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
Abbott Laboratories Com 002824100 1,033,169 10,454 SH SOLE 0 10,454 0 0
Abbvie Inc Com 00287Y109 696,876 2,664 SH SOLE 0 2,353 0 311
Advanced Micro Devices Com 007903107 518,161 847 SH SOLE 0 847 0 0
Air Products & Chemicals Inc Com 009158106 214,515 771 SH SOLE 0 771 0 0
Alphabet Inc Class C Com 02079K107 3,904,199 11,458 SH SOLE 0 9,788 0 1,670
Alphabet Inc Class A Com 02079K305 2,417,850 7,027 SH SOLE 0 6,127 0 900
Amazon Com Inc Com 023135106 3,946,287 15,839 SH SOLE 0 13,074 0 2,765
American Tower Com REIT Com 03027X100 982,631 6,003 SH SOLE 0 5,677 0 326
American Water Works Company Com 030420103 942,153 7,277 SH SOLE 0 7,277 0 0
Amgen Inc. Com 031162100 882,220 2,093 SH SOLE 0 1,894 0 199
Apple Inc Com 037833100 4,659,283 13,991 SH SOLE 0 11,774 0 2,217
Autodesk, Inc. Com 052769106 302,005 1,445 SH SOLE 0 1,445 0 0
Baker Hughes Company Com 05722G100 214,549 3,908 SH SOLE 0 3,908 0 0
Bank Amer Corp Com 060505104 628,231 11,542 SH SOLE 0 11,542 0 0
Berkshire Hathaway Inc Cl B Com 084670702 1,135,824 2,281 SH SOLE 0 1,880 0 401
iShares Securitized Income Active ETF Com 092528819 778,223 16,027 SH SOLE 0 10,982 0 5,045
BlackRock Inc. Com 09290D101 446,598 422 SH SOLE 0 422 0 0
Boeing Co Com 097023105 282,982 1,521 SH SOLE 0 1,381 0 140
Bristol-Myers Squibb Co. Com 110122108 394,493 6,322 SH SOLE 0 6,322 0 0
Broadstone Net Lease Inc Com 11135E203 1,225,736 66,256 SH SOLE 0 66,256 0 0
Broadcom Inc Com 11135F101 541,535 1,542 SH SOLE 0 1,497 0 45
Cigna Group Com 125523100 888,612 3,269 SH SOLE 0 3,165 0 104
Canadian Natl Ry Co Com 136375102 1,225,978 10,311 SH SOLE 0 9,626 0 685
Capital Group Growth ETF Com 14020G101 1,469,524 30,983 SH SOLE 0 30,983 0 0
Capital Group Global Equity ETF Com 14020R107 801,396 23,022 SH SOLE 0 23,022 0 0
Capital Group Conservative Equity ETF Com 14020U100 1,472,729 45,908 SH SOLE 0 45,908 0 0
Capital Group New Geography Equity ETF Com 14021N105 302,754 8,306 SH SOLE 0 8,306 0 0
Carlisle Cos Inc Com 142339100 653,683 2,029 SH SOLE 0 1,892 0 137
Caterpillar Inc Com 149123101 2,133,999 2,632 SH SOLE 0 2,632 0 0
Chevron Corporation Com 166764100 1,499,922 7,345 SH SOLE 0 7,153 0 192
Chipotle Mexican Grill Com 169656105 740,473 23,176 SH SOLE 0 23,176 0 0
Cisco Systems Com 17275R102 1,138,725 10,580 SH SOLE 0 10,580 0 0
Coca Cola Co Com 191216100 2,297,820 26,694 SH SOLE 0 26,694 0 0
Colgate Palmolive Co Com 194162103 648,261 7,598 SH SOLE 0 7,598 0 0
Comcast Corp New Cl A Com 20030N101 565,782 26,001 SH SOLE 0 26,001 0 0
Deere & Co Com 244199105 333,089 496 SH SOLE 0 496 0 0
Digital Rlty Tr Inc Com 253868103 357,906 2,039 SH SOLE 0 2,039 0 0
Dimensional World Ex US Core Equity 2 ETF Com 25434V880 1,225,066 33,092 SH SOLE 0 25,650 0 7,442
Eastman Chemical Co. Com 277432100 1,153,763 17,794 SH SOLE 0 17,794 0 0
Vivmark Residential Com 29476L107 670,487 11,035 SH SOLE 0 11,035 0 0
Meta Platforms Inc Com 30303M102 697,623 962 SH SOLE 0 962 0 0
General Dynamics Corp Com 369550108 294,665 888 SH SOLE 0 888 0 0
Goldman Sachs Group Inc. Com 38141G104 781,512 868 SH SOLE 0 868 0 0
HCA Healthcare Inc Com 40412C101 1,078,799 2,528 SH SOLE 0 2,528 0 0
Home Depot Inc Com 437076102 674,241 2,370 SH SOLE 0 1,970 0 400
Intercontinental Exchange Inc Com 45866F104 220,291 1,449 SH SOLE 0 1,449 0 0
Intl Business Machines Corp Com 459200101 279,091 1,269 SH SOLE 0 1,269 0 0
Invesco QQQ Tr Series 1 Com 46090E103 400,216 541 SH SOLE 0 541 0 0
Intuitive Surgical Com 46120E602 497,715 1,224 SH SOLE 0 1,224 0 0
iShares Core S&P Total US Stock Mkt ETF Com 464287150 623,217 3,748 SH SOLE 0 3,003 0 745
iShares Select Dividend ETF Com 464287168 272,053 1,789 SH SOLE 0 1,789 0 0
iShares Core S P 500 ETF Com 464287200 530,734 693 SH SOLE 0 658 0 35
iShares MSCI Emerging Markets Com 464287234 772,159 11,561 SH SOLE 0 11,561 0 0
iShares 20 Year Treasury Bond ETF Com 464287432 202,228 2,600 SH SOLE 0 2,600 0 0
iShares 1-3 Year Treasury Bond ETF Com 464287457 1,283,447 15,806 SH SOLE 0 11,502 0 4,304
iShares MSCI EAFE Index Fund Com 464287465 3,370,815 32,446 SH SOLE 0 32,446 0 0
iShares Russell Midcap Growth Index Fund Com 464287481 1,142,193 8,296 SH SOLE 0 8,296 0 0
iShares Russell MidCap Index Fund Com 464287499 536,324 5,026 SH SOLE 0 5,026 0 0
iShares TR Core S&P Mid-Cap ETF Com 464287507 650,788 9,045 SH SOLE 0 375 0 8,670
iShares Russell 2000 Value Com 464287630 250,293 1,195 SH SOLE 0 520 0 675
iShares Tr Russell 2000 Index Com 464287655 674,161 2,426 SH SOLE 0 2,061 0 365
iShares Core S&P US Value ETF Com 464287663 8,011,401 72,646 SH SOLE 0 72,646 0 0
iShares MSCI EAFE Small Cap Index Com 464288273 215,271 2,550 SH SOLE 0 1,500 0 1,050
iShares Tr Natl Mun Bd ETF Com 464288414 499,333 4,939 SH SOLE 0 4,939 0 0
iShares Core US REIT ETF Com 464288521 680,213 11,046 SH SOLE 0 11,046 0 0
iShares 3-7 YR Treas Bond ETF Com 464288661 592,951 5,227 SH SOLE 0 3,187 0 2,040
iShares MCSI EAFE Value Index Fund Com 464288877 204,577 2,585 SH SOLE 0 735 0 1,850
Ishares Tr/0-5 Yr Tips Bd ETF Com 46429B747 1,039,771 10,429 SH SOLE 0 10,429 0 0
iShares Tr MSCI USA Momentum Factor Com 46432F396 336,063 1,059 SH SOLE 0 539 0 520
iShares Core MSCI Total Instl Stk ETF Com 46432F834 3,271,171 34,437 SH SOLE 0 25,510 0 8,927
iShares Core MSCI EAFE ETF Com 46432F842 399,146 4,120 SH SOLE 0 2,885 0 1,235
iShares Core MSCI Emerging Markets ETF Com 46434G103 890,812 10,976 SH SOLE 0 6,539 0 4,437
JP Morgan Chase & Co Com 46625H100 1,961,160 5,928 SH SOLE 0 5,453 0 475
Johnson & Johnson Com 478160104 925,531 3,496 SH SOLE 0 3,216 0 280
KKR & Co Inc Com 48251W104 608,423 6,664 SH SOLE 0 6,664 0 0
Liberty Media Corp Liberty Formula One Ser C Com 531229755 217,048 2,349 SH SOLE 0 2,349 0 0
Lilly Eli & Co Com 532457108 19,155,459 16,555 SH SOLE 0 16,555 0 0
Lockheed Martin Corp Com Com 539830109 1,123,915 2,207 SH SOLE 0 2,170 0 37
Markel Corp Com 570535104 501,748 293 SH SOLE 0 179 0 114
Marsh Com 571748102 595,506 3,488 SH SOLE 0 3,488 0 0
Mastercard Inc Cl A Com 57636Q104 449,448 815 SH SOLE 0 815 0 0
McCormick & Co Inc Com 579780206 599,766 12,926 SH SOLE 0 12,926 0 0
McDonalds Corp Com 580135101 488,669 2,116 SH SOLE 0 2,116 0 0
Merck & Co Inc New Com 58933Y105 1,673,245 11,515 SH SOLE 0 11,515 0 0
Microsoft Corporation Com 594918104 5,410,069 10,548 SH SOLE 0 9,614 0 934
Microchip Technology Inc. Com 595017104 375,629 4,830 SH SOLE 0 4,830 0 0
Moody's Corp Com 615369105 398,272 877 SH SOLE 0 597 0 280
Morgan Stanley Dean Witter & Co. Com 617446448 361,302 1,921 SH SOLE 0 1,921 0 0
NBT Bancorp Inc. Com 628778102 468,043 9,331 SH SOLE 0 9,331 0 0
NOV Inc Com 62955J103 926,592 49,471 SH SOLE 0 49,471 0 0
Netflix Com Inc Com 64110L106 640,136 9,200 SH SOLE 0 9,200 0 0
NextEra Energy Inc Com 65339F101 598,119 7,897 SH SOLE 0 7,897 0 0
Norfolk Southern Corp Com 655844108 311,781 1,009 SH SOLE 0 784 0 225
Nvidia Corp. Com 67066G104 3,532,810 15,469 SH SOLE 0 13,914 0 1,555
O'Reilly Automotive Inc New Com Com 67103H107 203,703 2,385 SH SOLE 0 1,905 0 480
Oracle Corporation Com 68389X105 245,767 1,790 SH SOLE 0 1,790 0 0
Otis Worldwide Corp Com 68902V107 800,655 12,448 SH SOLE 0 12,356 0 92
Palo Alto Network Com 697435105 1,351,251 3,401 SH SOLE 0 3,401 0 0
Paychex Inc. Com 704326107 219,852 2,232 SH SOLE 0 2,232 0 0
Pepsico Inc Com 713448108 981,573 7,746 SH SOLE 0 7,746 0 0
Pfizer Inc. Com 717081103 1,211,473 42,478 SH SOLE 0 42,108 0 370
Procter & Gamble Co Com 742718109 856,716 5,897 SH SOLE 0 5,897 0 0
RTX Corp Com 75513E101 850,648 4,582 SH SOLE 0 4,397 0 185
Republic Services Inc Com 760759100 316,064 1,506 SH SOLE 0 964 0 542
State Street SPDR S&P 500 ETF Trust Com 78462F103 10,993,311 14,415 SH SOLE 0 12,329 0 2,086
Spdr Gold Trust Com 78463V107 218,602 574 SH SOLE 0 574 0 0
State Street SPDR S&P 600 Small Cap Value ETF Com 78464A300 2,693,593 26,369 SH SOLE 0 26,369 0 0
State Street SPDR S&P 500 Growth ETF Com 78464A409 7,644,006 62,106 SH SOLE 0 62,106 0 0
State Street SPDR S&P 400 Mid Cap Value ETF Com 78464A839 3,197,247 36,123 SH SOLE 0 36,123 0 0
Salesforce.Com Com 79466L302 1,277,557 5,565 SH SOLE 0 5,295 0 270
SLB Limited Com 806857108 1,015,666 20,847 SH SOLE 0 20,847 0 0
Schwab Charles Corp Com 808513105 981,798 10,045 SH SOLE 0 10,045 0 0
Schwab Strategic Large Cap ETF Com 808524201 214,950 7,165 SH SOLE 0 7,165 0 0
Schwab Fundamental Intl Equity ETF Com 808524755 6,960,034 129,489 SH SOLE 0 129,489 0 0
Schwab Fundamental US Large ETF Com 808524771 766,609 24,360 SH SOLE 0 10,440 0 13,920
Servicenow Inc Com 81762P102 1,122,870 8,379 SH SOLE 0 8,379 0 0
Sirius XM Holdings Inc. Com 829933100 335,586 12,967 SH SOLE 0 12,967 0 0
Snap-On Inc. Com 833034101 342,276 942 SH SOLE 0 942 0 0
TJX Companies Inc Com 872540109 798,623 6,036 SH SOLE 0 5,623 0 413
T-Mobile US Com 872590104 969,674 5,946 SH SOLE 0 5,946 0 0
Texas Instruments Inc Com 882508104 387,084 1,382 SH SOLE 0 1,382 0 0
Thermo Fisher Scientific, Inc. Com 883556102 745,255 1,104 SH SOLE 0 1,104 0 0
Travelers Cos Inc. Com 89417E109 591,807 1,660 SH SOLE 0 1,660 0 0
Truist Finl Corp Com 89832Q109 346,509 7,484 SH SOLE 0 7,484 0 0
United Parcel Service Inc Com 911312106 254,250 2,721 SH SOLE 0 2,721 0 0
Unitedhealth Group Inc Com 91324P102 286,689 781 SH SOLE 0 481 0 300
Unum Group Com 91529Y106 212,307 2,420 SH SOLE 0 2,420 0 0
Vanguard FTSE Developed Markets ETF Com 921943858 913,764 12,941 SH SOLE 0 9,747 0 3,194
Vanguard FTSE Emerging Mkt MFC Com 922042858 821,859 13,857 SH SOLE 0 11,916 0 1,941
Vanguard MSCI Europe ETF Com 922042874 211,532 2,437 SH SOLE 0 2,437 0 0
Vanguard Index Funds S & P 500 ETF Com 922908363 546,671 780 SH SOLE 0 780 0 0
Vanguard REIT ETF Com 922908553 368,738 4,114 SH SOLE 0 4,114 0 0
Vanguard Morningstar Mid-Cap ETF Com 922908629 420,645 5,364 SH SOLE 0 5,364 0 0
Vanguard Extended Mkt Fd Com 922908652 925,825 3,997 SH SOLE 0 3,234 0 763
Vanguard Morningstar Small Cap ETF Com 922908751 2,200,530 7,735 SH SOLE 0 7,525 0 210
Visa Com 92826C839 1,244,719 3,464 SH SOLE 0 2,326 0 1,138
Walmart Inc Com 931142103 531,343 5,113 SH SOLE 0 5,113 0 0
Warner Bros Discovery Inc Com 934423104 349,364 11,288 SH SOLE 0 11,288 0 0
Wells Fargo & Company Com 949746101 457,646 5,717 SH SOLE 0 5,717 0 0
WisdomTree Emerging Markets ETF Com 97717W315 2,240,442 40,507 SH SOLE 0 40,507 0 0
Xylem Inc Com 98419M100 652,483 6,443 SH SOLE 0 6,443 0 0
Astrazeneca PLC Common Stock Com G0593M107 891,198 5,473 SH SOLE 0 5,473 0 0
Eaton Corp PLC Com G29183103 287,046 668 SH SOLE 0 668 0 0