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
3M COMPANY COM 88579Y101 279,133 1,724 SH SOLE 1,724 0 0
ADVANCED MICRO DEVICES COM 007903107 14,523 25 SH SOLE 25 0 0
ALPHABET, INC CL A COM 02079K305 82,552 231 SH SOLE 231 0 0
AMAZON.COM, INC COM 023135106 73,647 309 SH SOLE 309 0 0
APPLE, INC COM 037833100 718,192 2,482 SH SOLE 2,482 0 0
ASA GOLD AND PRECIOUS METALS LIMITED COM G3156P103 26,020 500 SH SOLE 500 0 0
AT&T, INC COM 00206R102 24,509 1,184 SH SOLE 1,184 0 0
BARRICK MINING CORPORATION COM NPV COM 06849F108 91,752 2,498 SH SOLE 2,498 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 50,039 100 SH SOLE 100 0 0
CATERPILLAR, INC COM 149123101 151,216 142 SH SOLE 142 0 0
CISCOSYSTEMS COM 17275r102 24,432 208 SH SOLE 208 0 0
COCA COLA CO COM 191216100 17,067 210 SH SOLE 210 0 0
COMCAST CORP-CL A COM 20030N101 16,105 656 SH SOLE 656 0 0
CYCLERION THERAPEUTICS INC COM COM 23255M204 244 72 SH OTR 0 72 0
DEERE & CO COM 244199105 12,687 20 SH OTR 0 20 0
DISNEY (WALT) HOLDING CO COM 254687106 3,080 32 SH SOLE 32 0 0
ELI LILLY COM 532457108 26,387 22 SH SOLE 22 0 0
FRANCO NEV CORP COM ISIN #CA3518581051 COM 351858105 66,284 318 SH SOLE 318 0 0
FTAI AVIATION LTD SHS ISIN #KYG3730V1059 COM G3730V105 24,618 91 SH SOLE 91 0 0
GENERAL ELECTRIC CO COM 369604301 84,089 225 SH SOLE 225 0 0
HOWMET AEROSPACE INC. COM 443201108 21,509 80 SH SOLE 80 0 0
INVENTRUST PROPERTIES CORP COM 46124J201 10,337 292 SH SOLE 292 0 0
INVESCO SOLAR ETF ETF 18383M621 145,272 2,456 SH SOLE 2,456 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 28,522,221 38,086 SH SOLE 38,086 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 1,276,857 1,705 SH OTR 0 1,705 0
ISHARES CORE US AGGREGATE BOND FUND ETF 464287226 44,782,511 452,440 SH SOLE 452,440 0 0
ISHARES CORE US AGGREGATE BOND FUND ETF 464287226 3,113,515 31,456 SH OTR 0 31,456 0
ISHARES MSCI ACWI ETF 464288257 10,758,253 68,537 SH SOLE 68,537 0 0
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240 39,169,099 514,638 SH SOLE 514,638 0 0
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240 2,815,613 36,994 SH OTR 0 36,994 0
ISHARES MSCI EAFE INDEX FD ETF 464287465 199,450 1,920 SH SOLE 1,920 0 0
ISHARES MSCI KLD 400 SOCIAL INDEX FUND ETF ETF 464288570 1,748,549 12,280 SH SOLE 12,280 0 0
iShares MSCI USA ESG Select ETF ETF 464288802 1,543,000 10,000 SH SOLE 10,000 0 0
ISHARES RUSSELL 3000 INDEX FUND ETF 464287689 1,486,430 3,486 SH SOLE 3,486 0 0
ISHARES RUSSELL 3000 INDEX FUND ETF 464287689 5,941,884 13,935 SH OTR 0 13,935 0
ISHARES TR BARCLAYS 7 10 YR ETF 464287440 4,434,861 46,895 SH SOLE 46,895 0 0
ISHARES TR BARCLAYS 7 10 YR ETF 464287440 249,759 2,641 SH OTR 0 2,641 0
ISHARES TRUST 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,725,066 33,188 SH SOLE 33,188 0 0
ISHARES TRUST 1-3 YEAR TREASURY BOND ETF ETF 464287457 522,302 6,361 SH OTR 0 6,361 0
JP MORGAN CHASE & CO COM 46625H100 45,499 139 SH SOLE 139 0 0
KALARIS THERAPEUTICS INC COM COM 482929106 396,797 97,493 SH SOLE 97,493 0 0
KINDER MORGAN INC. COM 49456B101 17,743 555 SH SOLE 555 0 0
LOEWS CORP COM USD0.01 COM 540424108 73,360 648 SH SOLE 648 0 0
M &T BANK CORP COM USD0.50 COM 55261F104 23,801 100 SH SOLE 100 0 0
MARRIOTT INT'L COM 571903202 103,024 278 SH SOLE 278 0 0
META PLATFORMS INC COM 30303M102 16,335 29 SH SOLE 29 0 0
MICROSOFT COM 594918104 909,050 2,437 SH SOLE 2,437 0 0
NVIDIA CORPORATION COM 67066G104 119,854 599 SH SOLE 599 0 0
PALO ALTO NETWORKS, INC. COM 697435105 51,153 150 SH SOLE 150 0 0
PUBLIC STORAGE COM 74460D109 23,555 74 SH SOLE 74 0 0
S&P DEPOSITORY RECEIPTS ETF 78462F103 324,845 435 SH OTR 0 435 0
S&P GLOBAL INC COM 78409v104 10,589 26 SH SOLE 26 0 0
SHAKE SHACK COM 819047101 109,855 1,961 SH SOLE 1,961 0 0
SHAKE SHACK COM 819047101 82,070 1,465 SH OTR 0 1,465 0
SHOPIFY INC. COM 82509L107 9,134 80 SH SOLE 80 0 0
SOLVENTUM CORP COM SHS COM 83444M101 33,252 431 SH SOLE 431 0 0
SOURCE CAPITAL COM SHS OF BEN I COM 836144303 41,925 912 SH SOLE 912 0 0
SPDR SER TR S&P DIVID ETF ETF 78464A763 56,459 371 SH SOLE 371 0 0
T MOBILE US INC COM 872590104 33,546 200 SH SOLE 200 0 0
TESLA MOTORS, INC COM 88160R101 12,618 30 SH SOLE 30 0 0
TRAVELERS COMPANIES, INC COM 89417E109 733,527 2,222 SH SOLE 2,222 0 0
UBER TECHNOLOGIES INC. COM 90353T100 4,763 66 SH SOLE 66 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 129,431 547 SH SOLE 547 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF ETF 921946794 19,542 199 SH SOLE 199 0 0
VISA, INC COM 92826C839 51,464 150 SH SOLE 150 0 0
WILLIAMS COS INC COM 969457100 37,170 500 SH SOLE 500 0 0