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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100 654,640 19,108 SH SOLE 0 0 19,108
2023 ETF SERIES TRUST II GMO INTL VALUE 90139K407 1,120,158 38,368 SH SOLE 0 0 38,368
3M CO COM 88579Y101 200,957 1,320 SH SOLE 0 0 1,320
ABBOTT LABS COM 002824100 474,675 3,490 SH SOLE 0 0 3,490
ABBVIE INC COM 00287Y109 581,388 3,132 SH SOLE 0 0 3,132
ALPHABET INC CAP STK CL A 02079K305 757,965 4,301 SH SOLE 0 0 4,301
AMAZON COM INC COM 023135106 405,433 1,848 SH SOLE 0 0 1,848
AMERICAN CENTY ETF TR US QUALITY GROW 025072307 6,938,592 63,587 SH SOLE 0 0 63,587
APPLE INC COM 037833100 3,169,466 15,448 SH SOLE 0 0 15,448
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 363,356 748 SH SOLE 0 0 748
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 7,162,261 139,482 SH SOLE 0 0 139,482
BOEING CO COM 097023105 532,835 2,543 SH SOLE 0 0 2,543
BROADCOM INC COM 11135F101 815,924 2,960 SH SOLE 0 0 2,960
CATERPILLAR INC COM 149123101 1,048,299 2,700 SH SOLE 0 0 2,700
CHEVRON CORP NEW COM 166764100 260,892 1,822 SH SOLE 0 0 1,822
CHURCH & DWIGHT CO INC COM 171340102 2,189,962 22,786 SH SOLE 0 0 22,786
CLOUGH GLOBAL EQUITY FD COM 18914C100 215,195 30,207 SH SOLE 0 0 30,207
COCA COLA CO COM 191216100 318,640 4,504 SH SOLE 0 0 4,504
COLLIERS INTL GROUP INC SUB VTG SHS 194693107 587,430 4,500 SH SOLE 0 0 4,500
COMMUNITY FINANCIAL SYSTEM I COM 203607106 238,627 4,196 SH SOLE 0 0 4,196
DEERE & CO COM 244199105 1,223,427 2,406 SH SOLE 0 0 2,406
DISNEY WALT CO COM 254687106 217,018 1,750 SH SOLE 0 0 1,750
EA SERIES TRUST DISCIPLINE FUND 02072L748 2,033,391 86,564 SH SOLE 0 0 86,564
EMERSON ELEC CO COM 291011104 253,327 1,900 SH SOLE 0 0 1,900
EXXON MOBIL CORP COM 30231G102 418,717 3,884 SH SOLE 0 0 3,884
FLAHERTY & CRUMRINE PFD INCO COM 338480106 545,095 48,196 SH SOLE 0 0 48,196
FLEXSHARES TR MORNSTAR UPSTR 33939L407 13,126,364 327,259 SH SOLE 0 0 327,259
GALLAGHER ARTHUR J & CO COM 363576109 672,252 2,100 SH SOLE 0 0 2,100
GE AEROSPACE COM NEW 369604301 220,583 857 SH SOLE 0 0 857
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 119,820,938 1,196,415 SH SOLE 0 0 1,196,415
HECLA MNG CO COM 422704106 107,820 18,000 SH SOLE 0 0 18,000
HONEYWELL INTL INC COM 438516106 6,307,555 27,085 SH SOLE 0 0 27,085
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 1,976,418 48,335 SH SOLE 0 0 48,335
INTERNATIONAL BUSINESS MACHS COM 459200101 272,647 925 SH SOLE 0 0 925
INVESCO ACTIVELY MANAGED EXC TOTAL RETURN 46090A804 619,370 13,209 SH SOLE 0 0 13,209
INVESCO QQQ TR UNIT SER 1 46090E103 2,418,941 4,385 SH SOLE 0 0 4,385
ISHARES INC MSCI GERMANY ETF 464286806 740,425 17,500 SH SOLE 0 0 17,500
ISHARES INC CORE MSCI EMKT 46434G103 22,676,800 377,758 SH SOLE 0 0 377,758
ISHARES INC EM MKT SM-CP ETF 464286475 2,673,830 41,231 SH SOLE 0 0 41,231
ISHARES TR ESG AWARE MSCI 46435U663 281,912 6,821 SH SOLE 0 0 6,821
ISHARES TR 0-3 MNTH TREASRY 46436E718 856,872 8,510 SH SOLE 0 0 8,510
ISHARES TR ESG EAFE ETF 46436E759 385,301 5,176 SH SOLE 0 0 5,176
ISHARES TR ESG SELECT SCREE 46436E544 469,617 11,874 SH SOLE 0 0 11,874
ISHARES TR ESG SELECT SCRE 46436E551 438,199 10,559 SH SOLE 0 0 10,559
ISHARES TR CORE MSCI EAFE 46432F842 10,098,081 120,964 SH SOLE 0 0 120,964
ISHARES TR MSCI INTL QUALTY 46434V456 1,005,168 23,257 SH SOLE 0 0 23,257
ISHARES TR ESG AW MSCI EAFE 46435G516 227,422 2,549 SH SOLE 0 0 2,549
ISHARES TR MSCI EAFE MIN VL 46429B689 310,181 3,690 SH SOLE 0 0 3,690
ISHARES TR MSCI ACWI ETF 464288257 31,415,896 244,292 SH SOLE 0 0 244,292
ISHARES TR CORE S&P TTL STK 464287150 1,242,368 9,200 SH SOLE 0 0 9,200
ISHARES TR SHORT TREAS BD 464288679 1,267,732 11,481 SH SOLE 0 0 11,481
ISHARES TR GLOBAL MATER ETF 464288695 14,544,526 170,172 SH SOLE 0 0 170,172
ISHARES TR NATIONAL MUN ETF 464288414 745,151 7,132 SH SOLE 0 0 7,132
ISHARES TR RUS MID CAP ETF 464287499 3,067,659 33,355 SH SOLE 0 0 33,355
ISHARES TR RUS MD CP GR ETF 464287481 825,146 5,950 SH SOLE 0 0 5,950
ISHARES TR U.S. BAS MTL ETF 464287838 1,704,201 12,172 SH SOLE 0 0 12,172
ISHARES TR MSCI EAFE ETF 464287465 5,753,677 64,366 SH SOLE 0 0 64,366
ISHARES TR CORE S&P MCP ETF 464287507 232,062 3,742 SH SOLE 0 0 3,742
ISHARES TR CORE S&P SCP ETF 464287804 17,464,487 159,800 SH SOLE 0 0 159,800
ISHARES TR S&P SML 600 GWT 464287887 2,182,452 16,404 SH SOLE 0 0 16,404
ISHARES TR S&P 500 VAL ETF 464287408 5,718,380 29,262 SH SOLE 0 0 29,262
ISHARES TR CORE S&P500 ETF 464287200 932,334 1,502 SH SOLE 0 0 1,502
ISHARES TR S&P 500 GRWT ETF 464287309 3,319,515 30,150 SH SOLE 0 0 30,150
ISHARES TR RUS 1000 ETF 464287622 1,154,538 3,400 SH SOLE 0 0 3,400
ISHARES TR RUS 1000 VAL ETF 464287598 2,847,412 14,660 SH SOLE 0 0 14,660
ISHARES TR RUS 1000 GRW ETF 464287614 503,127 1,185 SH SOLE 0 0 1,185
ISHARES TR RUSSELL 2000 ETF 464287655 225,716 1,046 SH SOLE 0 0 1,046
ISHARES TR RUSSELL 3000 ETF 464287689 561,600 1,600 SH SOLE 0 0 1,600
ISHARES TR MSCI EMG MKT ETF 464287234 2,284,888 47,365 SH SOLE 0 0 47,365
ISHARES TR MSCI AC ASIA ETF 464288182 2,609,966 31,590 SH SOLE 0 0 31,590
ISHARES TR CORE US AGGBD ET 464287226 1,403,256 14,146 SH SOLE 0 0 14,146
ISHARES TR MRGSTR SM CP ETF 464288505 253,502 4,350 SH SOLE 0 0 4,350
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 202,305 3,973 SH SOLE 0 0 3,973
JOHNSON & JOHNSON COM 478160104 759,660 4,973 SH SOLE 0 0 4,973
JPMORGAN CHASE & CO. COM 46625H100 788,265 2,719 SH SOLE 0 0 2,719
LAVA THERAPEUTICS NV SHS N51517105 135,300 102,500 SH SOLE 0 0 102,500
MARATHON PETE CORP COM 56585A102 258,135 1,554 SH SOLE 0 0 1,554
MARSH & MCLENNAN COS INC COM 571748102 262,368 1,200 SH SOLE 0 0 1,200
MATTHEWS ASIA FDS EMERGING MKT DIS 577125743 2,253,512 86,078 SH SOLE 0 0 86,078
MATTHEWS INTL FDS PACIFIC TIGER AC 577130578 7,169,096 245,306 SH SOLE 0 0 245,306
MCDONALDS CORP COM 580135101 298,013 1,020 SH SOLE 0 0 1,020
MERCK & CO INC COM 58933Y105 205,488 2,596 SH SOLE 0 0 2,596
META PLATFORMS INC CL A 30303M102 585,305 793 SH SOLE 0 0 793
MICROSOFT CORP COM 594918104 3,124,232 6,281 SH SOLE 0 0 6,281
MOODYS CORP COM 615369105 300,954 600 SH SOLE 0 0 600
MORGAN STANLEY ETF TRUST CALVERT US LARCP 61774R205 917,255 11,984 SH SOLE 0 0 11,984
NORFOLK SOUTHN CORP COM 655844108 486,599 1,901 SH SOLE 0 0 1,901
NVIDIA CORPORATION COM 67066G104 3,534,451 22,371 SH SOLE 0 0 22,371
ORACLE CORP COM 68389X105 201,140 920 SH SOLE 0 0 920
OREILLY AUTOMOTIVE INC COM 67103H107 202,793 2,250 SH SOLE 0 0 2,250
PHILIP MORRIS INTL INC COM 718172109 707,029 3,882 SH SOLE 0 0 3,882
PROCTER AND GAMBLE CO COM 742718109 648,432 4,070 SH SOLE 0 0 4,070
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 651,685 29,488 SH SOLE 0 0 29,488
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 435,964 17,838 SH SOLE 0 0 17,838
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 339,703 13,427 SH SOLE 0 0 13,427
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 492,836 16,872 SH SOLE 0 0 16,872
SELECT SECTOR SPDR TR ENERGY 81369Y506 506,740 5,975 SH SOLE 0 0 5,975
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,418,594 5,602 SH SOLE 0 0 5,602
SERVICENOW INC COM 81762P102 321,789 313 SH SOLE 0 0 313
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202 270,486 7,115 SH SOLE 0 0 7,115
SPDR GOLD TR GOLD SHS 78463V107 210,333 690 SH SOLE 0 0 690
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 457,297 8,431 SH SOLE 0 0 8,431
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,050,208 24,359 SH SOLE 0 0 24,359
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 509,268 9,730 SH SOLE 0 0 9,730
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 977,921 33,991 SH SOLE 0 0 33,991
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 5,502,699 59,988 SH SOLE 0 0 59,988
SUN LIFE FINANCIAL INC. COM 866796105 288,327 4,339 SH SOLE 0 0 4,339
TESLA INC COM 88160R101 362,489 1,141 SH SOLE 0 0 1,141
THE BALDWIN INSURANCE GRP IN COM CL A 05589G102 6,025,636 140,753 SH SOLE 0 0 140,753
UNITED PARCEL SERVICE INC CL B 911312106 282,632 2,800 SH SOLE 0 0 2,800
VANECK ETF TRUST GOLD MINERS ETF 92189F106 286,330 5,500 SH SOLE 0 0 5,500
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,596,541 19,396 SH SOLE 0 0 19,396
VANGUARD INDEX FDS GROWTH ETF 922908736 76,148,412 173,696 SH SOLE 0 0 173,696
VANGUARD INDEX FDS VALUE ETF 922908744 75,680,856 428,204 SH SOLE 0 0 428,204
VANGUARD INDEX FDS MID CAP ETF 922908629 33,985,783 121,452 SH SOLE 0 0 121,452
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,951,086 15,133 SH SOLE 0 0 15,133
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,402,335 4,614 SH SOLE 0 0 4,614
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 919,162 1,618 SH SOLE 0 0 1,618
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,395,280 4,891 SH SOLE 0 0 4,891
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,951,153 11,864 SH SOLE 0 0 11,864
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 20,559,192 272,127 SH SOLE 0 0 272,127
VANGUARD INSTL INDEX FD ULTRA-SHORT TREA 922040852 22,233,552 294,387 SH SOLE 0 0 294,387
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 341,343 5,078 SH SOLE 0 0 5,078
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,606,531 32,481 SH SOLE 0 0 32,481
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 29,957,961 500,885 SH SOLE 0 0 500,885
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,389,042 40,988 SH SOLE 0 0 40,988
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 792,653 13,904 SH SOLE 0 0 13,904
VANGUARD WORLD FD MEGA CAP INDEX 921910873 574,671 2,555 SH SOLE 0 0 2,555
VANGUARD WORLD FD ESG INTL STK ETF 921910725 526,817 8,043 SH SOLE 0 0 8,043
VANGUARD WORLD FD MATERIALS ETF 92204A801 1,410,569 7,240 SH SOLE 0 0 7,240
VANGUARD WORLD FD INF TECH ETF 92204A702 1,891,675 2,852 SH SOLE 0 0 2,852
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527 16,968,723 360,500 SH SOLE 0 0 360,500
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,061,096 16,195 SH SOLE 0 0 16,195