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
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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
MASTERCARD INCORPORATED CL A 57636Q104 204,413 398 SH SOLE 0 0 398
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 205,112 3,826 SH SOLE 0 0 3,826
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 205,381 2,494 SH SOLE 0 0 2,494
THERMO FISHER SCIENTIFIC INC COM 883556102 210,571 420 SH SOLE 0 0 420
ARROW FINL CORP COM 042744102 211,549 5,161 SH SOLE 0 0 5,161
FORTINET INC COM 34959E109 215,068 1,400 SH SOLE 0 0 1,400
TJX COS INC NEW COM 872540109 220,584 1,456 SH SOLE 0 0 1,456
VALERO ENERGY CORP COM 91913Y100 221,374 850 SH SOLE 0 0 850
PEPSICO INC COM 713448108 224,222 1,656 SH SOLE 0 0 1,656
QUANTA SVCS INC COM 74762E102 224,652 312 SH SOLE 0 0 312
VANGUARD WORLD FD ESG INTL STK ETF 921910725 225,694 2,741 SH SOLE 0 0 2,741
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 229,088 3,277 SH SOLE 0 0 3,277
PALO ALTO NETWORKS INC COM 697435105 230,871 677 SH SOLE 0 0 677
VANGUARD WORLD FD UTILITIES ETF 92204A876 232,919 1,190 SH SOLE 0 0 1,190
CHEVRON CORPORATION COM 166764100 236,871 1,429 SH SOLE 0 0 1,429
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 247,035 3,830 SH SOLE 0 0 3,830
HOME DEPOT INC COM 437076102 247,581 702 SH SOLE 0 0 702
LAM RESEARCH CORP COM NEW 512807306 249,165 575 SH SOLE 0 0 575
ISHARES TR 10-20 YR TRS ETF 464288653 254,086 2,532 SH SOLE 0 0 2,532
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 263,747 3,175 SH SOLE 0 0 3,175
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 263,937 1,072 SH SOLE 0 0 1,072
WASTE MGMT INC DEL COM 94106L109 266,119 1,194 SH SOLE 0 0 1,194
LOCKHEED MARTIN CORP COM 539830109 272,561 535 SH SOLE 0 0 535
CONOCOPHILLIPS COM 20825C104 277,677 2,671 SH SOLE 0 0 2,671
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 277,807 3,390 SH SOLE 0 0 3,390
PHILIP MORRIS INTL INC COM 718172109 282,581 1,562 SH SOLE 0 0 1,562
BLACKSTONE INC COM 09260D107 285,401 2,425 SH SOLE 0 0 2,425
CORNING INC COM 219350105 288,125 1,128 SH SOLE 0 0 1,128
ISHARES TR U.S. TECH ETF 464287721 288,551 1,144 SH SOLE 0 0 1,144
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 290,354 7,875 SH SOLE 0 0 7,875
ISHARES SILVER TR ISHARES 46428Q109 300,822 5,626 SH SOLE 0 0 5,626
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 300,823 2,565 SH SOLE 0 0 2,565
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 302,138 892 SH SOLE 0 0 892
ISHARES TR IBONDS DEC 29 46436E205 302,748 13,072 SH SOLE 0 0 13,072
MCKESSON CORP COM 58155Q103 304,369 403 SH SOLE 0 0 403
ISHARES TR RUSSELL 2000 ETF 464287655 307,027 1,022 SH SOLE 0 0 1,022
BANK OF AMER CORP COM 060505104 313,276 5,498 SH SOLE 0 0 5,498
MICRON TECHNOLOGY INC COM 595112103 317,430 275 SH SOLE 0 0 275
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 319,507 10,856 SH SOLE 0 0 10,856
ASML HLDG NV N Y REGISTRY SHS N07059210 324,279 163 SH SOLE 0 0 163
ISHARES INC MSCI EQUAL WEITE 464286681 333,777 2,923 SH SOLE 0 0 2,923
BLACKROCK INC COM 09290D101 344,719 358 SH SOLE 0 0 358
PROCTER & GAMBLE CO COM 742718109 346,657 2,364 SH SOLE 0 0 2,364
ABBOTT LABORATORIES COM 002824100 348,453 3,840 SH SOLE 0 0 3,840
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 352,447 738 SH SOLE 0 0 738
AMERICAN EXPRESS CO COM 025816109 369,369 1,092 SH SOLE 0 0 1,092
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 372,370 2,413 SH SOLE 0 0 2,413
MCDONALDS CORP COM 580135101 373,839 1,383 SH SOLE 0 0 1,383
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 374,369 8,174 SH SOLE 0 0 8,174
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 375,259 3,150 SH SOLE 0 0 3,150
FIRST TR EXCHANGE-TRADED FD NASDQ CLN EDGE 33737A108 378,706 1,975 SH SOLE 0 0 1,975
ISHARES TR CORE MSCI EAFE 46432F842 384,002 3,976 SH SOLE 0 0 3,976
ORACLE CORP COM 68389X105 385,280 2,629 SH SOLE 0 0 2,629
ISHARES TR ESG AWRE 1 5 YR 46435G243 414,309 16,579 SH SOLE 0 0 16,579
ISHARES TR ESG AWR MSCI USA 46435G425 425,542 2,600 SH SOLE 0 0 2,600
ISHARES GOLD TR ISHARES NEW 464285204 451,776 5,983 SH SOLE 0 0 5,983
PROSHARES TR S&P 500 DV ARIST 74348A467 465,229 8,284 SH SOLE 0 0 8,284
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 476,836 4,451 SH SOLE 0 0 4,451
TESLA INC COM 88160R101 490,420 1,166 SH SOLE 0 0 1,166
FASTENAL CO COM 311900104 499,800 10,406 SH SOLE 0 0 10,406
MERCK & CO INC COM 58933Y105 531,348 4,135 SH SOLE 0 0 4,135
CISCO SYS INC COM 17275R102 554,470 4,720 SH SOLE 0 0 4,720
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 565,132 6,078 SH SOLE 0 0 6,078
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 574,427 15,899 SH SOLE 0 0 15,899
ISHARES TR CORE MSCI INTL 46435G326 590,314 6,632 SH SOLE 0 0 6,632
CATERPILLAR INC COM 149123101 609,123 572 SH SOLE 0 0 572
RTX CORPORATION COM 75513E101 612,638 3,229 SH SOLE 0 0 3,229
INTERNATIONAL BUSINESS MACHS COM 459200101 614,163 2,184 SH SOLE 0 0 2,184
DEERE & CO COM 244199105 629,255 992 SH SOLE 0 0 992
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 637,931 7,205 SH SOLE 0 0 7,205
ISHARES TR S&P SML 600 GWT 464287887 653,528 3,659 SH SOLE 0 0 3,659
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 659,662 3,338 SH SOLE 0 0 3,338
ELI LILLY & CO COM 532457108 669,282 558 SH SOLE 0 0 558
VANGUARD INDEX FDS MID CAP ETF 922908629 689,518 8,558 SH SOLE 0 0 8,558
GE VERNOVA INC COM 36828A101 707,344 602 SH SOLE 0 0 602
SPDR SERIES TRUST ST STR SP DIV 78464A763 750,502 4,932 SH SOLE 0 0 4,932
ISHARES TR RUS 1000 VAL ETF 464287598 767,533 3,166 SH SOLE 0 0 3,166
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 786,532 23,243 SH SOLE 0 0 23,243
ABBVIE INC COM 00287Y109 790,905 3,143 SH SOLE 0 0 3,143
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 794,266 4,288 SH SOLE 0 0 4,288
ISHARES TR RUS MDCP VAL ETF 464287473 821,536 4,991 SH SOLE 0 0 4,991
APPLIED MATLS INC COM 038222105 863,262 1,194 SH SOLE 0 0 1,194
VANGUARD STAR FDS VG TL INTL STK F 921909768 867,382 10,146 SH SOLE 0 0 10,146
GE AEROSPACE COM NEW 369604301 934,013 2,499 SH SOLE 0 0 2,499
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 944,904 11,437 SH SOLE 0 0 11,437
ADVANCED MICRO DEVICES INC COM 007903107 956,759 1,647 SH SOLE 0 0 1,647
WALMART INC COM 931142103 960,789 8,483 SH SOLE 0 0 8,483
JOHNSON & JOHNSON COM 478160104 971,351 3,825 SH SOLE 0 0 3,825
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 972,338 11,610 SH SOLE 0 0 11,610
BROADCOM INC COM 11135F101 987,438 2,614 SH SOLE 0 0 2,614
SPDR GOLD TR GOLD SHS 78463V107 990,574 2,689 SH SOLE 0 0 2,689
META PLATFORMS INC CL A 30303M102 993,362 1,764 SH SOLE 0 0 1,764
ISHARES TR ESG AWARE MSCI 46435U663 996,393 17,815 SH SOLE 0 0 17,815
ISHARES INC CORE MSCI EMKT 46434G103 999,337 12,063 SH SOLE 0 0 12,063
EXXON MOBIL CORP COM 30231G102 1,095,374 8,012 SH SOLE 0 0 8,012
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,120,457 38,690 SH SOLE 0 0 38,690
COSTCO WHOLESALE CORPORATION COM 22160K105 1,140,975 1,220 SH SOLE 0 0 1,220
ISHARES TR CORE S&P TTL STK 464287150 1,183,401 7,204 SH SOLE 0 0 7,204
DUTCH BROS INC CL A 26701L100 1,193,769 16,624 SH SOLE 0 0 16,624
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,247,785 22,613 SH SOLE 0 0 22,613
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,277,242 40,279 SH SOLE 0 0 40,279
ISHARES TR IBDS DEC28 ETF 46435U515 1,307,596 51,786 SH SOLE 0 0 51,786
ISHARES TR S&P 500 GRWT ETF 464287309 1,382,940 10,056 SH SOLE 0 0 10,056
ISHARES TR CORE S&P US GWT 464287671 1,434,562 7,627 SH SOLE 0 0 7,627
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,505,440 6,195 SH SOLE 0 0 6,195
ISHARES TR CORE S&P US VLU 464287663 1,552,454 14,094 SH SOLE 0 0 14,094
ISHARES TR RUS MD CP GR ETF 464287481 1,587,377 10,842 SH SOLE 0 0 10,842
VISA INC COM CL A 92826C839 1,623,670 4,732 SH SOLE 0 0 4,732
JPMORGAN CHASE & CO COM 46625H100 1,635,413 4,996 SH SOLE 0 0 4,996
ISHARES TR US TREAS BD ETF 46429B267 1,739,754 76,372 SH SOLE 0 0 76,372
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,889,012 31,647 SH SOLE 0 0 31,647
ISHARES TR ESG AWR US AGRGT 46435U549 2,056,551 43,378 SH SOLE 0 0 43,378
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,174,695 4,346 SH SOLE 0 0 4,346
ISHARES TR RUS 1000 GRW ETF 464287614 2,226,741 17,933 SH SOLE 0 0 17,933
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 2,288,336 12,011 SH SOLE 0 0 12,011
VANGUARD INDEX FDS VALUE ETF 922908744 2,480,043 11,380 SH SOLE 0 0 11,380
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 2,707,658 54,164 SH SOLE 0 0 54,164
VANGUARD WORLD FD INF TECH ETF 92204A702 2,708,038 22,658 SH SOLE 0 0 22,658
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,924,240 30,325 SH SOLE 0 0 30,325
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,995,400 4 SH SOLE 0 0 4
ISHARES TR 3 7 YR TREAS BD 464288661 3,046,183 25,936 SH SOLE 0 0 25,936
ALPHABET INC CAP STK CL C 02079K107 3,163,363 8,953 SH SOLE 0 0 8,953
ALPHABET INC CAP STK CL A 02079K305 3,273,572 9,160 SH SOLE 0 0 9,160
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 3,545,959 11,859 SH SOLE 0 0 11,859
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 3,597,672 39,259 SH SOLE 0 0 39,259
AMAZON COM INC COM 023135106 3,694,508 15,501 SH SOLE 0 0 15,501
INVESCO QQQ TR UNIT SER 1 46090E103 3,702,924 5,028 SH SOLE 0 0 5,028
VANGUARD WORLD FD CONSUM STP ETF 92204A207 3,846,408 17,058 SH SOLE 0 0 17,058
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 3,935,879 24,807 SH SOLE 0 0 24,807
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 4,061,719 140,011 SH SOLE 0 0 140,011
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,146,344 58,194 SH SOLE 0 0 58,194
MICROSOFT CORP COM 594918104 4,450,937 11,932 SH SOLE 0 0 11,932
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 4,499,295 35,203 SH SOLE 0 0 35,203
ISHARES TR 1 3 YR TREAS BD 464287457 5,315,966 64,742 SH SOLE 0 0 64,742
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,418,270 17,875 SH SOLE 0 0 17,875
ISHARES TR CORE S&P MCP ETF 464287507 5,547,435 71,942 SH SOLE 0 0 71,942
NVIDIA CORPORATION COM 67066G104 7,150,747 35,738 SH SOLE 0 0 35,738
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,866,704 33,246 SH SOLE 0 0 33,246
SPDR SERIES TRUST ST STR P500GRW 78464A409 8,206,280 68,966 SH SOLE 0 0 68,966
ISHARES TR SP SMCP600VL ETF 464287879 8,673,964 63,462 SH SOLE 0 0 63,462
ISHARES TR TRUST ISHARE 0-1 464288679 8,737,813 79,183 SH SOLE 0 0 79,183
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 9,368,310 12,545 SH SOLE 0 0 12,545
INVESCO EXCH TRADED FD TR II SHORT TERM ETF 46138G888 10,687,379 101,235 SH SOLE 0 0 101,235
ISHARES TR RUSSELL 3000 ETF 464287689 11,688,050 27,411 SH SOLE 0 0 27,411
ISHARES TR 7-10 YR TRSY BD 464287440 13,073,262 138,239 SH SOLE 0 0 138,239
ISHARES TR CORE S&P500 ETF 464287200 13,164,406 17,579 SH SOLE 0 0 17,579
APPLE INC COM 037833100 14,030,503 48,488 SH SOLE 0 0 48,488
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,258,354 38,532 SH SOLE 0 0 38,532
ISHARES TR CORE US AGGBD ET 464287226 14,320,426 144,680 SH SOLE 0 0 144,680
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 14,729,271 125,537 SH SOLE 0 0 125,537
VANGUARD WORLD FD ESG US STK ETF 921910733 14,938,109 112,962 SH SOLE 0 0 112,962
ISHARES TR 20 YR TR BD ETF 464287432 16,314,454 188,781 SH SOLE 0 0 188,781
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 19,374,050 140,861 SH SOLE 0 0 140,861
SPDR SERIES TRUST ST STR SP600SM C 78464A300 23,767,835 217,834 SH SOLE 0 0 217,834
ISHARES TR 0-3 MTH TREASURY 46436E718 26,581,258 264,043 SH SOLE 0 0 264,043
SPDR SERIES TRUST ST STR BL 12 ETF 78468R523 32,731,862 329,361 SH SOLE 0 0 329,361
ISHARES TR CORE S&P SCP ETF 464287804 43,867,404 295,782 SH SOLE 0 0 295,782
SPDR SERIES TRUST ST STR SP600 SML 78468R853 46,395,195 804,494 SH SOLE 0 0 804,494
VANGUARD INDEX FDS SML CP GRW ETF 922908595 48,141,760 131,643 SH SOLE 0 0 131,643
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 69,113,478 324,827 SH SOLE 0 0 324,827
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 80,541,907 265,841 SH SOLE 0 0 265,841
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 100,434,604 3,828,998 SH SOLE 0 0 3,828,998
SPDR SERIES TRUST ST STR P500ETF 78464A854 100,900,075 1,148,157 SH SOLE 0 0 1,148,157
VANGUARD INDEX FDS GROWTH ETF 922908736 109,274,019 1,268,563 SH SOLE 0 0 1,268,563
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 112,207,347 163,375 SH SOLE 0 0 163,375
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 118,273,541 748,425 SH SOLE 0 0 748,425
SPDR SERIES TRUST ST INTER ETF 78464A672 162,976,620 5,740,635 SH SOLE 0 0 5,740,635