| IVV iShares Core S&P 500 ETF | 17.81% | 79,850 | $42.0M | Add +3.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 8.65% | 125,173 | $20.4M | Add +4.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 8.63% | 59,073 | $20.3M | Add +2.6% |
| VEA Vanguard Ftse Developed ETF | 6.90% | 324,285 | $16.3M | Add +4.1% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 6.58% | 435,436 | $15.5M | Add +6.5% |
| SCHA Schwab US Small-Cap ETF | 6.20% | 296,624 | $14.6M | Add +4.0% |
| BNDX Vanguard Total Intl Bond ETF | 6.07% | 290,878 | $14.3M | Add +6.7% |
| BSV Vanguard Short-Term Bond ETF | 4.77% | 146,563 | $11.2M | Add +10.5% |
| SCHZ Schwab US Aggregate Bond ETF | 4.61% | 236,323 | $10.9M | Add +0.1% |
| VWO Vanguard Ftse Emerging Marke | 3.32% | 187,375 | $7.8M | Add +2.5% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 3.00% | 255,031 | $7.1M | Add +4.7% |
| MUB iShares National Muni Bond E | 2.90% | 63,603 | $6.8M | Add +3.5% |
| REET iShares Global REIT ETF | 2.54% | 253,009 | $6.0M | Add +5.4% |
| SCHF Schwab Intl Equity ETF | 2.18% | 131,546 | $5.1M | Reduce -2.3% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.08% | 26,232 | $4.9M | Reduce -3.3% |
| SCHV Schwab US Large-Cap Value | 1.63% | 50,703 | $3.9M | No change |
| RSP Invesco S&P 500 Equal Weight | 1.22% | 16,927 | $2.9M | Reduce -1.5% |
| IBDP iShares Ibonds Dec 2024 Term | 1.15% | 108,046 | $2.7M | Reduce -1.6% |
| CBU Community Financial System I | 0.91% | 44,863 | $2.2M | New |
| VNQ Vanguard Real Estate ETF | 0.80% | 21,828 | $1.9M | No change |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.66% | 61,308 | $1.5M | Reduce -20.0% |
| RTX RTX Corp. | 0.62% | 14,947 | $1.5M | No change |
| AAPL Apple Inc. | 0.61% | 8,349 | $1.4M | Reduce -1.1% |
| MSFT Microsoft Corp. | 0.46% | 2,597 | $1.1M | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.37% | 3,797 | $868K | No change |
| CARR Carrier Global Corp. | 0.33% | 13,381 | $778K | No change |
| BND Vanguard Total Bond Market | 0.31% | 10,209 | $738K | New |
| EFA iShares MSCI Eafe ETF | 0.29% | 8,460 | $676K | Reduce -2.3% |
| URTH iShares MSCI World ETF | 0.29% | 4,641 | $673K | No change |
| OTIS Otis Worldwide Corp. | 0.28% | 6,690 | $664K | No change |
| APH Amphenol Corp. Class A | 0.27% | 5,470 | $631K | New |
| NVDA Nvidia Corp. | 0.23% | 596 | $539K | No change |
| TOTL SS Doubleline TR Tact ETF | 0.22% | 13,041 | $522K | No change |
| HD Home Depot Inc. | 0.21% | 1,308 | $502K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.20% | 914 | $478K | No change |
| SCHB Schwab US Broad Market ETF | 0.20% | 7,648 | $467K | No change |
| META Meta Platforms Inc. Class A | 0.20% | 956 | $464K | Add +24.8% |
| IBMM iShares Ibonds Dec 2024 Term | 0.20% | 17,779 | $461K | No change |
| JPM JPMorgan Chase & Co. | 0.18% | 2,157 | $432K | Reduce -0.5% |
| MRK Merck & Co. Inc. | 0.18% | 3,208 | $423K | No change |
| SHW The Sherwin-Williams Co. | 0.15% | 993 | $345K | No change |
| V Visa Inc. Class A | 0.15% | 1,230 | $343K | No change |
| XOM Exxon Mobil Corp. | 0.14% | 2,802 | $326K | No change |
| CAT Caterpillar Inc. | 0.14% | 877 | $321K | No change |
| AMGN Amgen Inc. | 0.13% | 1,041 | $296K | Reduce -3.4% |
| SCHG Schwab US Large-Cap Growth | 0.12% | 3,145 | $292K | No change |
| IBDQ iShares Ibonds Dec 2025 Term | 0.12% | 11,751 | $292K | Reduce -9.2% |
| VOO Vanguard S&P 500 ETF | 0.12% | 591 | $284K | Reduce -46.8% |
| SCHD Schwab US DVD Equity ETF | 0.11% | 3,329 | $268K | No change |
| PG The Procter & Gamble Co. | 0.10% | 1,468 | $238K | No change |
| JNJ Johnson & Johnson | 0.10% | 1,437 | $227K | No change |
| SO The Southern Co. | 0.09% | 3,091 | $222K | Reduce -10.9% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.09% | 5,593 | $212K | New |
| EEM iShares MSCI Emerging Market | 0.09% | 5,042 | $207K | No change |
| PEP Pepsico Inc. | 0.09% | 1,183 | $207K | New |