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
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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
ISHARES TR IBONDS DEC 2032 46436E312 265,691 10,407 SH SOLE 0 0 10,407
ISHARES TR MSCI EMG MKT ETF 464287234 726,875 13,286 SH SOLE 0 0 13,286
ELI LILLY & CO COM 532457108 322,404 300 SH SOLE 0 0 300
ISHARES TR RUS 1000 GRW ETF 464287614 476,967 1,008 SH SOLE 0 0 1,008
INTEL CORP COM 458140100 236,844 6,419 SH SOLE 0 0 6,419
ISHARES TR S&P SML 600 GWT 464287887 207,788 1,472 SH SOLE 0 0 1,472
EXXON MOBIL CORP COM 30231G102 793,402 6,593 SH SOLE 0 0 6,593
PITNEY BOWES INC COM 724479100 236,831 22,406 SH SOLE 0 0 22,406
ALPHABET INC CAP STK CL C 02079K107 891,820 2,842 SH SOLE 0 0 2,842
MICROSOFT CORP COM 594918104 3,422,668 7,077 SH SOLE 0 0 7,077
VANGUARD INDEX FDS TOTAL STK MKT 922908769 411,376 1,227 SH SOLE 0 0 1,227
BROADCOM INC COM 11135F101 431,587 1,247 SH SOLE 0 0 1,247
ISHARES TR CORE MSCI TOTAL 46432F834 266,466 3,148 SH SOLE 0 0 3,148
ISHARES TR GLOBAL REIT ETF 46434V647 14,040,867 562,760 SH SOLE 0 0 562,760
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 459,593 8,549 SH SOLE 0 0 8,549
ISHARES TR IBONDS DEC 26 46435U259 256,370 10,000 SH SOLE 0 0 10,000
ISHARES TR CORE S&P500 ETF 464287200 19,378,031 28,292 SH SOLE 0 0 28,292
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 703,243 23,387 SH SOLE 0 0 23,387
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,379,392 194,110 SH SOLE 0 0 194,110
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 875,114 1,741 SH SOLE 0 0 1,741
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 494,121 3,371 SH SOLE 0 0 3,371
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,375,897 166,552 SH SOLE 0 0 166,552
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 358,039 7,295 SH SOLE 0 0 7,295
HONEYWELL INTL INC COM 438516106 206,921 1,061 SH SOLE 0 0 1,061
ISHARES TR IBONDS 27 ETF 46435UAA9 260,500 10,729 SH SOLE 0 0 10,729
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 38,846,242 1,186,145 SH SOLE 0 0 1,186,145
ISHARES TR CORE S&P TTL STK 464287150 974,812 6,556 SH SOLE 0 0 6,556
CONSTELLATION BRANDS INC CL A 21036P108 460,157 3,335 SH SOLE 0 0 3,335
WALMART INC COM 931142103 266,938 2,396 SH SOLE 0 0 2,396
ISHARES TR CORE S&P500 ETF 464287200 41,693 7,500 SH Put SOLE 0 0 7,500
TJX COS INC NEW COM 872540109 223,042 1,452 SH SOLE 0 0 1,452
ISHARES GOLD TR ISHARES NEW 464285204 531,501 6,548 SH SOLE 0 0 6,548
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 23,488,068 280,924 SH SOLE 0 0 280,924
EATON VANCE TAX ADVT DIV INC COM 27828G107 230,246 9,144 SH SOLE 0 0 9,144
VANGUARD INDEX FDS SMALL CP ETF 922908751 723,168 2,804 SH SOLE 0 0 2,804
CHEVRON CORP NEW COM 166764100 896,832 5,884 SH SOLE 0 0 5,884
STRYKER CORPORATION COM 863667101 277,310 789 SH SOLE 0 0 789
MERCK & CO INC COM 58933Y105 252,624 2,400 SH SOLE 0 0 2,400
NETFLIX INC COM 64110L106 205,803 2,195 SH SOLE 0 0 2,195
L3HARRIS TECHNOLOGIES INC COM 502431109 200,802 684 SH SOLE 0 0 684
AMAZON COM INC COM 023135106 2,467,697 10,691 SH SOLE 0 0 10,691
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 556,604 6,761 SH SOLE 0 0 6,761
INVESCO QQQ TR UNIT SER 1 46090E103 581,292 946 SH SOLE 0 0 946
SERVICENOW INC COM 81762P102 258,125 1,685 SH SOLE 0 0 1,685
COSTCO WHSL CORP NEW COM 22160K105 261,289 303 SH SOLE 0 0 303
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 15,342,710 324,028 SH SOLE 0 0 324,028
UNITEDHEALTH GROUP INC COM 91324P102 217,082 658 SH SOLE 0 0 658
NVIDIA CORPORATION COM 67066G104 2,146,654 11,510 SH SOLE 0 0 11,510
COCA COLA CO COM 191216100 404,182 5,781 SH SOLE 0 0 5,781
PAYCHEX INC COM 704326107 8,811,290 78,546 SH SOLE 0 0 78,546
USA TODAY CO INC COM 36472T109 107,264 20,828 SH SOLE 0 0 20,828
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 397,116 1,285 SH SOLE 0 0 1,285
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,441,555 147,264 SH SOLE 0 0 147,264
VANGUARD INDEX FDS GROWTH ETF 922908736 205,106 420 SH SOLE 0 0 420
VISA INC COM CL A 92826C839 647,838 1,847 SH SOLE 0 0 1,847
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,337,581 6,086 SH SOLE 0 0 6,086
GABELLI DIVID & INCOME TR COM 36242H104 410,552 14,784 SH SOLE 0 0 14,784
ORACLE CORP COM 68389X105 395,892 2,031 SH SOLE 0 0 2,031
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 279,867 3,163 SH SOLE 0 0 3,163
MASTERCARD INCORPORATED CL A 57636Q104 237,486 416 SH SOLE 0 0 416
DISNEY WALT CO COM 254687106 245,590 2,159 SH SOLE 0 0 2,159
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,395,422 48,997 SH SOLE 0 0 48,997
ABBVIE INC COM 00287Y109 620,928 2,718 SH SOLE 0 0 2,718
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,261,049 52,456 SH SOLE 0 0 52,456
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 397,203 9,669 SH SOLE 0 0 9,669
CORNING INC COM 219350105 642,866 7,342 SH SOLE 0 0 7,342
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,414,777 74,027 SH SOLE 0 0 74,027
GE AEROSPACE COM NEW 369604301 293,062 951 SH SOLE 0 0 951
BANK AMERICA CORP COM 060505104 483,265 8,787 SH SOLE 0 0 8,787
PEPSICO INC COM 713448108 487,032 3,393 SH SOLE 0 0 3,393
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 305,495 4,153 SH SOLE 0 0 4,153
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 3,879,935 146,856 SH SOLE 0 0 146,856
JPMORGAN CHASE & CO. COM 46625H100 1,087,793 3,376 SH SOLE 0 0 3,376
JOHNSON & JOHNSON COM 478160104 483,949 2,338 SH SOLE 0 0 2,338
ISHARES TR IBDS DEC28 ETF 46435U515 209,495 8,230 SH SOLE 0 0 8,230
NEUBERGER NEXT GENERATION COMMON STOCK 64133Q108 192,153 13,307 SH SOLE 0 0 13,307
ISHARES TR CORE MSCI EURO 46434V738 201,157 2,834 SH SOLE 0 0 2,834
PROCTER AND GAMBLE CO COM 742718109 425,046 2,966 SH SOLE 0 0 2,966
SPDR GOLD TR GOLD SHS 78463V107 256,413 647 SH SOLE 0 0 647
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,598,053 430,994 SH SOLE 0 0 430,994
ISHARES TR MSCI USA MIN VOL 46429B697 206,587 2,194 SH SOLE 0 0 2,194
ISHARES TR RUSSELL 2000 ETF 464287655 891,766 3,623 SH SOLE 0 0 3,623
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 434,289 14,667 SH SOLE 0 0 14,667
META PLATFORMS INC CL A 30303M102 871,523 1,320 SH SOLE 0 0 1,320
ISHARES TR IBONDS DEC2026 46435GAA0 307,866 12,706 SH SOLE 0 0 12,706
ABBOTT LABS COM 002824100 421,726 3,366 SH SOLE 0 0 3,366
ALPHABET INC CAP STK CL A 02079K305 1,097,306 3,506 SH SOLE 0 0 3,506
AMERICAN CENTY ETF TR US EQT ETF 025072885 1,569,827 14,044 SH SOLE 0 0 14,044
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 332,413 748 SH SOLE 0 0 748
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,032,811 4,447 SH SOLE 0 0 4,447
ISHARES TR DOW JONES US ETF 464287846 338,888 2,044 SH SOLE 0 0 2,044
BROADSTONE NET LEASE INC COM 11135E203 1,078,791 62,107 SH SOLE 0 0 62,107
B & G FOODS INC NEW COM 05508R106 361,097 83,976 SH SOLE 0 0 83,976
JONES LANG LASALLE INC COM 48020Q107 230,482 685 SH SOLE 0 0 685
EATON VANCE TAX-MANAGED GLOB COM 27829F108 140,529 14,746 SH SOLE 0 0 14,746
ISHARES TR MSCI EAFE ETF 464287465 231,722 2,413 SH SOLE 0 0 2,413
APPLE INC COM 037833100 6,188,567 22,764 SH SOLE 0 0 22,764
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,052,352 6,462 SH SOLE 0 0 6,462
CATERPILLAR INC COM 149123101 904,364 1,579 SH SOLE 0 0 1,579
INTERNATIONAL BUSINESS MACHS COM 459200101 852,281 2,877 SH SOLE 0 0 2,877