The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AUTOMATIC DATA PROCESSING IN COM 053015103   5,099,480 21,889 SH   SOLE   21,889 0 0
AT&T INC COM 00206R102   1,694,512 100,984 SH   SOLE   100,984 0 0
ABBVIE INC COM 00287y109   60,707,793 391,739 SH   SOLE   391,739 0 0
ABBOTT LABS COM 002824100   31,689,263 287,901 SH   SOLE   287,901 0 0
ADOBE INC COM 00724f101   260,118 436 SH   SOLE   436 0 0
AIR PRODS & CHEMS INC COM 009158106   1,541,494 5,630 SH   SOLE   5,630 0 0
ALPHABET INC CAP STK CL A 02079k305   2,953,186 21,141 SH   SOLE   21,141 0 0
ALPHABET INC CAP STK CL C 02079k107   3,255,906 23,103 SH   SOLE   23,103 0 0
ALTRIA GROUP INC COM 02209s103   1,130,811 28,032 SH   SOLE   28,032 0 0
AMAZON COM INC COM 023135106   4,289,114 28,229 SH   SOLE   28,229 0 0
AMERICAN ELEC PWR CO INC COM 025537101   2,397,127 29,514 SH   SOLE   29,514 0 0
AMERICAN EXPRESS CO COM 025816109   1,624,612 8,672 SH   SOLE   8,672 0 0
AMERIPRISE FINL INC COM 03076c106   397,682 1,047 SH   SOLE   1,047 0 0
AMGEN INC COM 031162100   8,546,994 29,675 SH   SOLE   29,675 0 0
ANALOG DEVICES INC COM 032654105   558,152 2,811 SH   SOLE   2,811 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524a108   1,292,400 20,000 SH   SOLE   20,000 0 0
APPLE INC COM 037833100   53,334,661 277,020 SH   SOLE   277,020 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   291,119 4,031 SH   SOLE   4,031 0 0
GALLAGHER ARTHUR J & CO COM 363576109   286,272 1,273 SH   SOLE   1,273 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   711,553 10,565 SH   SOLE   10,565 0 0
AUTODESK INC COM 052769106   1,089,086 4,473 SH   SOLE   4,473 0 0
BP PLC SPONSORED ADR 055622104   266,173 7,519 SH   SOLE   7,519 0 0
BAKER HUGHES COMPANY CL A 05722g100   1,420,247 41,552 SH   SOLE   41,552 0 0
BANK AMERICA CORP COM 060505104   52,555,941 1,560,913 SH   SOLE   1,560,913 0 0
BECTON DICKINSON & CO COM 075887109   482,296 1,978 SH   SOLE   1,978 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,627,875 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,373,871 17,871 SH   SOLE   17,871 0 0
BEST BUY INC COM 086516101   587,100 7,500 SH   SOLE   7,500 0 0
BIOGEN INC COM 09062x103   537,465 2,077 SH   SOLE   2,077 0 0
BLACKROCK INC COM 09247x101   510,622 629 SH   SOLE   629 0 0
BLACKSTONE INC COM 09260D107   3,130,690 23,913 SH   SOLE   23,913 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   30,650,131 597,352 SH   SOLE   597,352 0 0
BROADCOM INC COM 11135F101   3,042,898 2,726 SH   SOLE   2,726 0 0
BROWN FORMAN CORP CL B 115637209   265,572 4,651 SH   SOLE   4,651 0 0
CSX CORP COM 126408103   276,459 7,974 SH   SOLE   7,974 0 0
CVS HEALTH CORP COM 126650100   335,501 4,249 SH   SOLE   4,249 0 0
CAESARS ENTERTAINMENT INC NE COM 12769g100   604,377 12,892 SH   SOLE   12,892 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300   294,712 15,896 SH   SOLE   15,896 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   370,782 6,454 SH   SOLE   6,454 0 0
CATERPILLAR INC COM 149123101   946,440 3,201 SH   SOLE   3,201 0 0
SCHWAB CHARLES CORP COM 808513105   710,360 10,325 SH   SOLE   10,325 0 0
CHEVRON CORP NEW COM 166764100   56,993,141 382,094 SH   SOLE   382,094 0 0
CHUBB LIMITED COM h1467J104   28,355,768 125,468 SH   SOLE   125,468 0 0
THE CIGNA GROUP COM 125523100   216,802 724 SH   SOLE   724 0 0
CISCO SYS INC COM 17275R102   43,354,597 858,167 SH   SOLE   858,167 0 0
CITIGROUP INC COM NEW 172967424   4,803,467 93,380 SH   SOLE   93,380 0 0
COCA COLA CO COM 191216100   8,596,944 145,884 SH   SOLE   145,884 0 0
COCA COLA CONS INC COM 191098102   371,360 400 SH   SOLE   400 0 0
COMCAST CORP NEW CL A 20030n101   1,711,378 39,028 SH   SOLE   39,028 0 0
COMMUNITY BK SYS INC COM 203607106   1,206,347 23,150 SH   SOLE   23,150 0 0
CONOCOPHILLIPS COM 20825c104   13,179,516 113,548 SH   SOLE   113,548 0 0
COSTCO WHSL CORP NEW COM 22160k105   360,404 546 SH   SOLE   546 0 0
DANAHER CORPORATION COM 235851102   276,220 1,194 SH   SOLE   1,194 0 0
DARDEN RESTAURANTS INC COM 237194105   340,758 2,074 SH   SOLE   2,074 0 0
DEERE & CO COM 244199105   25,180,614 62,972 SH   SOLE   62,972 0 0
DELL TECHNOLOGIES INC CL C 24703L202   2,072,921 27,097 SH   SOLE   27,097 0 0
DEVON ENERGY CORP NEW COM 25179m103   249,875 5,516 SH   SOLE   5,516 0 0
DISNEY WALT CO COM 254687106   7,670,136 84,950 SH   SOLE   84,950 0 0
DOLBY LABORATORIES INC COM CL A 25659t107   266,641 3,094 SH   SOLE   3,094 0 0
DUPONT DE NEMOURS INC COM 26614n102   309,182 4,019 SH   SOLE   4,019 0 0
EOG RES INC COM 26875P101   19,802,539 163,725 SH   SOLE   163,725 0 0
ELEVANCE HEALTH INC COM 036752103   273,505 580 SH   SOLE   580 0 0
EMERSON ELEC CO COM 291011104   30,180,086 310,080 SH   SOLE   310,080 0 0
SELECT SECTOR SPDR TR ENERGY 81369y506   534,145 6,371 SH   SOLE   6,371 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   473,740 34,329 SH   SOLE   34,329 0 0
EQUITRANS MIDSTREAM CORP COM 294600101   263,163 25,851 SH   SOLE   25,851 0 0
EXPEDIA GROUP INC COM NEW 30212p303   1,517,900 10,000 SH   SOLE   10,000 0 0
EXPEDITORS INTL WASH INC COM 302130109   267,756 2,105 SH   SOLE   2,105 0 0
EXXON MOBIL CORP COM 30231g102   3,084,383 30,850 SH   SOLE   30,850 0 0
FNCB BANCORP INC COM 302578109   582,317 85,761 SH   SOLE   85,761 0 0
FASTENAL CO COM 311900104   406,820 6,281 SH   SOLE   6,281 0 0
FEDEX CORP COM 31428x106   421,195 1,665 SH   SOLE   1,665 0 0
FIFTH THIRD BANCORP COM 316773100   689,800 20,000 SH   SOLE   20,000 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369y605   246,205 6,548 SH   SOLE   6,548 0 0
FLUOR CORP NEW COM 343412102   1,958,500 50,000 SH   SOLE   50,000 0 0
FORD MTR CO DEL COM 345370860   268,448 22,022 SH   SOLE   22,022 0 0
FREEPORT-MCMORAN INC CL B 35671d857   587,423 13,799 SH   SOLE   13,799 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266g107   399,744 5,170 SH   SOLE   5,170 0 0
GENERAC HLDGS INC COM 368736104   280,063 2,167 SH   SOLE   2,167 0 0
GENERAL DYNAMICS CORP COM 369550108   492,854 1,898 SH   SOLE   1,898 0 0
GENERAL ELECTRIC CO COM NEW 369604301   2,464,918 19,313 SH   SOLE   19,313 0 0
GENERAL MLS INC COM 370334104   27,470,124 421,709 SH   SOLE   421,709 0 0
GOLDMAN SACHS GROUP INC COM 38141g104   317,103 822 SH   SOLE   822 0 0
HERTZ GLOBAL HLDGS INC COM NEW 42806j700   702,260 67,590 SH   SOLE   67,590 0 0
HOME DEPOT INC COM 437076102   2,904,436 8,381 SH   SOLE   8,381 0 0
HONEYWELL INTL INC COM 438516106   32,772,850 156,277 SH   SOLE   156,277 0 0
HUBSPOT INC COM 443573100   293,173 505 SH   SOLE   505 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,211,906 7,410 SH   SOLE   7,410 0 0
LITMAN GREGORY FDS TR IMGP BERKSHIRE 53700t751   157,164 15,054 SH   SOLE   15,054 0 0
ILLINOIS TOOL WKS INC COM 452308109   1,539,683 5,878 SH   SOLE   5,878 0 0
INTEL CORP COM 458140100   6,594,006 131,224 SH   SOLE   131,224 0 0
INVESCO QQQ TR UNIT SER 1 46090e103   786,278 1,920 SH   SOLE   1,920 0 0
IONIS PHARMACEUTICALS INC COM 462222100   211,466 4,180 SH   SOLE   4,180 0 0
JPMORGAN CHASE & CO COM 46625H100   77,434,113 455,227 SH   SOLE   455,227 0 0
JOHNSON & JOHNSON COM 478160104   39,347,539 251,037 SH   SOLE   251,037 0 0
JOHNSON CTLS INTL PLC SHS g51502105   355,812 6,173 SH   SOLE   6,173 0 0
KLA CORP COM NEW 482480100   430,162 740 SH   SOLE   740 0 0
KELLANOVA COM 487836108   610,425 10,918 SH   SOLE   10,918 0 0
KIMBERLY-CLARK CORP COM 494368103   868,918 7,151 SH   SOLE   7,151 0 0
KINDER MORGAN INC DEL COM 49456B101   20,984,279 1,189,585 SH   SOLE   1,189,585 0 0
KRAFT HEINZ CO COM 500754106   6,954,385 188,058 SH   SOLE   188,058 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   742,225 3,524 SH   SOLE   3,524 0 0
LKQ CORP COM 501889208   266,381 5,574 SH   SOLE   5,574 0 0
LEGGETT & PLATT INC COM 524660107   20,643,419 788,820 SH   SOLE   788,820 0 0
ELI LILLY & CO COM 532457108   2,357,328 4,044 SH   SOLE   4,044 0 0
LINDE PLC SHS g54950103   304,336 741 SH   SOLE   741 0 0
LOCKHEED MARTIN CORP COM 539830109   37,876,814 83,569 SH   SOLE   83,569 0 0
LOWES COS INC COM 548661107   32,679,687 146,842 SH   SOLE   146,842 0 0
M & T BK CORP COM 55261F104   25,374,879 185,110 SH   SOLE   185,110 0 0
MGM RESORTS INTERNATIONAL COM 552953101   1,118,117 25,025 SH   SOLE   25,025 0 0
3M CO COM 88579Y101   322,822 2,953 SH   SOLE   2,953 0 0
MARTIN MARIETTA MATLS INC COM 573284106   377,675 757 SH   SOLE   757 0 0
MASTERCARD INCORPORATED CL A 57636q104   579,201 1,358 SH   SOLE   1,358 0 0
MCCORMICK & CO INC COM NON VTG 579780206   266,291 3,892 SH   SOLE   3,892 0 0
MCDONALDS CORP COM 580135101   35,047,779 118,201 SH   SOLE   118,201 0 0
MEDTRONIC PLC SHS g5960l103   5,560,238 67,495 SH   SOLE   67,495 0 0
MERCK & CO INC COM 58933Y105   36,099,357 331,126 SH   SOLE   331,126 0 0
META PLATFORMS INC CL A 30303m102   1,108,249 3,131 SH   SOLE   3,131 0 0
MICRON TECHNOLOGY INC COM 595112103   367,901 4,311 SH   SOLE   4,311 0 0
MICROSOFT CORP COM 594918104   84,257,403 224,065 SH   SOLE   224,065 0 0
MONDELEZ INTL INC CL A 609207105   42,434,709 585,872 SH   SOLE   585,872 0 0
MORGAN STANLEY COM NEW 617446448   1,102,402 11,822 SH   SOLE   11,822 0 0
NEXTERA ENERGY INC COM 65339f101   1,529,312 25,178 SH   SOLE   25,178 0 0
NORFOLK SOUTHN CORP COM 655844108   33,145,440 140,221 SH   SOLE   140,221 0 0
NUCOR CORP COM 670346105   59,689,455 342,964 SH   SOLE   342,964 0 0
NVIDIA CORPORATION COM 67066g104   2,983,701 6,025 SH   SOLE   6,025 0 0
OREILLY AUTOMOTIVE INC COM 67103h107   495,942 522 SH   SOLE   522 0 0
OMNICOM GROUP INC COM 681919106   332,631 3,845 SH   SOLE   3,845 0 0
ORACLE CORP COM 68389X105   2,203,592 20,901 SH   SOLE   20,901 0 0
PNC FINL SVCS GROUP INC COM 693475105   30,088,439 194,307 SH   SOLE   194,307 0 0
PPL CORP COM 69351T106   29,335,750 1,082,500 SH   SOLE   1,082,500 0 0
PARKER-HANNIFIN CORP COM 701094104   426,148 925 SH   SOLE   925 0 0
PAYCHEX INC COM 704326107   383,058 3,216 SH   SOLE   3,216 0 0
PENNS WOODS BANCORP INC COM 708430103   640,815 28,468 SH   SOLE   28,468 0 0
PEPSICO INC COM 713448108   27,725,870 163,247 SH   SOLE   163,247 0 0
PFIZER INC COM 717081103   19,732,378 685,390 SH   SOLE   685,390 0 0
PHILIP MORRIS INTL INC COM 718172109   1,218,148 12,948 SH   SOLE   12,948 0 0
PINNACLE FINL PARTNERS INC COM 72346q104   507,708 5,821 SH   SOLE   5,821 0 0
PIONEER NAT RES CO COM 723787107   447,286 1,989 SH   SOLE   1,989 0 0
PROCTER AND GAMBLE CO COM 742718109   32,248,911 220,069 SH   SOLE   220,069 0 0
PROFIRE ENERGY INC COM 74316X101   261,842 144,664 SH   SOLE   144,664 0 0
PROGRESSIVE CORP COM 743315103   1,017,799 6,390 SH   SOLE   6,390 0 0
PULTE GROUP INC COM 745867101   20,498,666 198,592 SH   SOLE   198,592 0 0
QUALCOMM INC COM 747525103   42,376,301 292,998 SH   SOLE   292,998 0 0
QUANTA SVCS INC COM 74762e102   241,912 1,121 SH   SOLE   1,121 0 0
QUEST DIAGNOSTICS INC COM 74834l100   204,614 1,484 SH   SOLE   1,484 0 0
RTX CORPORATION COM 75513E101   1,758,274 20,897 SH   SOLE   20,897 0 0
RELIANCE STEEL & ALUMINUM CO COM 759509102   533,070 1,906 SH   SOLE   1,906 0 0
RESIDEO TECHNOLOGIES INC COM 76118y104   1,213,307 64,469 SH   SOLE   64,469 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137v357   687,061 4,354 SH   SOLE   4,354 0 0
SPDR S&P 500 ETF TR TR UNIT 78462f103   10,030,467 21,103 SH   SOLE   21,103 0 0
SPDR GOLD TR GOLD SHS 78463v107   309,504 1,619 SH   SOLE   1,619 0 0
SPDR SER TR PORTFOLIO S&P600 78468r853   11,611,395 275,282 SH   SOLE   275,282 0 0
SPDR SER TR S&P BK ETF 78464a797   415,883 9,037 SH   SOLE   9,037 0 0
SANOFI SPONSORED ADR 80105n105   211,353 4,250 SH   SOLE   4,250 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,243,970 130,858 SH   SOLE   130,858 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,710,692 343,904 SH   SOLE   343,904 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,590,011 67,382 SH   SOLE   67,382 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,658,076 65,710 SH   SOLE   65,710 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,233,274 29,335 SH   SOLE   29,335 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,646,570 82,386 SH   SOLE   82,386 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   8,692,190 123,997 SH   SOLE   123,997 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,724,937 168,945 SH   SOLE   168,945 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,140,539 45,312 SH   SOLE   45,312 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS g7997r103   541,587 6,344 SH   SOLE   6,344 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189f676   329,805 1,886 SH   SOLE   1,886 0 0
SHELL PLC SPON ADS 780259305   404,604 6,149 SH   SOLE   6,149 0 0
SONY GROUP CORP SPONSORED ADR 835699307   210,685 2,225 SH   SOLE   2,225 0 0
SOUTHWEST AIRLS CO COM 844741108   1,427,798 49,439 SH   SOLE   49,439 0 0
SYSCO CORP COM 871829107   2,148,121 29,374 SH   SOLE   29,374 0 0
TE CONNECTIVITY LTD SHS H84989104   34,874,910 248,220 SH   SOLE   248,220 0 0
TJX COS INC NEW COM 872540109   584,249 6,228 SH   SOLE   6,228 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   407,264 3,916 SH   SOLE   3,916 0 0
TARGET CORP COM 87612e106   526,812 3,699 SH   SOLE   3,699 0 0
TETRA TECHNOLOGIES INC DEL COM 88162f105   1,901,225 420,625 SH   SOLE   420,625 0 0
TEXAS INSTRS INC COM 882508104   1,616,472 9,483 SH   SOLE   9,483 0 0
TOLL BROTHERS INC COM 889478103   1,877,768 18,268 SH   SOLE   18,268 0 0
TOTALENERGIES SE SPONSORED ADS 89151e109   246,139 3,653 SH   SOLE   3,653 0 0
US BANCORP DEL COM NEW 902973304   504,861 11,665 SH   SOLE   11,665 0 0
PROSHARES TR PSHS ULT S&P 500 74347r107   333,419 5,124 SH   SOLE   5,124 0 0
UNION PAC CORP COM 907818108   2,297,284 9,353 SH   SOLE   9,353 0 0
UNITED PARCEL SERVICE INC CL B 911312106   892,123 5,674 SH   SOLE   5,674 0 0
UNITEDHEALTH GROUP INC COM 91324p102   5,050,953 9,594 SH   SOLE   9,594 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369y886   463,956 7,326 SH   SOLE   7,326 0 0
VALERO ENERGY CORP COM 91913y100   294,710 2,267 SH   SOLE   2,267 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   396,350 2,326 SH   SOLE   2,326 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,650,461 88,819 SH   SOLE   88,819 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,059,829 126,510 SH   SOLE   126,510 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   2,938,547 45,573 SH   SOLE   45,573 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   635,439 2,044 SH   SOLE   2,044 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   302,741 2,712 SH   SOLE   2,712 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   514,608 1,983 SH   SOLE   1,983 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   17,610,848 75,700 SH   SOLE   75,700 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   502,121 6,971 SH   SOLE   6,971 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206c680   349,374 4,478 SH   SOLE   4,478 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206c714   529,977 7,306 SH   SOLE   7,306 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206c649   2,015,784 14,759 SH   SOLE   14,759 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   621,130 1,422 SH   SOLE   1,422 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   18,273,208 85,657 SH   SOLE   85,657 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   11,190,779 199,337 SH   SOLE   199,337 0 0
VERIZON COMMUNICATIONS INC COM 92343v104   1,695,520 44,974 SH   SOLE   44,974 0 0
VERTEX PHARMACEUTICALS INC COM 92532f100   1,979,927 4,866 SH   SOLE   4,866 0 0
VIATRIS INC COM 92556v106   1,088,740 100,530 SH   SOLE   100,530 0 0
VISA INC COM CL A 92826c839   1,407,973 5,408 SH   SOLE   5,408 0 0
WP CAREY INC COM 92936U109   21,095,137 325,492 SH   SOLE   325,492 0 0
WALMART INC COM 931142103   31,397,889 199,162 SH   SOLE   199,162 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104   995,022 87,436 SH   SOLE   87,436 0 0
WASTE MGMT INC DEL COM 94106L109   42,569,921 237,688 SH   SOLE   237,688 0 0
WELLS FARGO CO NEW COM 949746101   13,926,504 282,944 SH   SOLE   282,944 0 0
ZOETIS INC CL A 98978v103   367,108 1,860 SH   SOLE   1,860 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,545,111 5,575 SH   SOLE   5,575 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,001,997 8,548 SH   SOLE   8,548 0 0
ISHARES TR INTL DIV GRWTH 46435g524   2,672,229 41,385 SH   SOLE   41,385 0 0
ISHARES TR MSCI ACWI ETF 464288257   1,074,284 10,556 SH   SOLE   10,556 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,764,396 23,416 SH   SOLE   23,416 0 0
ISHARES INC MSCI JPN ETF NEW 46434g822   413,382 6,445 SH   SOLE   6,445 0 0
ISHARES TR MSCI UK ETF NEW 46435g334   322,238 9,750 SH   SOLE   9,750 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   7,698,093 25,392 SH   SOLE   25,392 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   1,935,243 11,711 SH   SOLE   11,711 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,077,286 15,332 SH   SOLE   15,332 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   368,746 1,462 SH   SOLE   1,462 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,303,063 8,389 SH   SOLE   8,389 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,251,813 4,573 SH   SOLE   4,573 0 0
ISHARES TR RUS MD CP GR ETF 464287481   448,760 4,296 SH   SOLE   4,296 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   360,615 3,101 SH   SOLE   3,101 0 0
ISHARES TR CORE S&P SCP ETF 464287804   808,844 7,472 SH   SOLE   7,472 0 0