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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   263,651 2,580 SH   SOLE   2,580 0 0
ABBOTT LABS COM 002824100   882,196 8,490 SH   SOLE   8,490 0 0
ABBVIE INC COM 00287Y109   1,900,099 11,078 SH   SOLE   11,078 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   648,388 2,137 SH   SOLE   2,137 0 0
ADOBE INC COM 00724F101   15,144,576 27,261 SH   SOLE   25,662 0 1,599
ADVANCED MICRO DEVICES INC COM 007903107   476,061 2,935 SH   SOLE   2,935 0 0
AFLAC INC COM 001055102   417,882 4,679 SH   SOLE   4,489 0 190
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   247,320 3,435 SH   SOLE   3,265 0 170
ALLSTATE CORP COM 020002101   496,383 3,109 SH   SOLE   3,109 0 0
ALPHABET INC CAP STK CL A 02079K305   13,514,984 74,197 SH   SOLE   73,446 0 751
ALPHABET INC CAP STK CL C 02079K107   46,588,526 253,999 SH   SOLE   241,649 0 12,350
ALTRIA GROUP INC COM 02209S103   371,141 8,148 SH   SOLE   8,147 0 1
AMAZON COM INC COM 023135106   53,997,336 279,417 SH   SOLE   266,067 0 13,350
AMERICAN CENTY ETF TR AVANTIS ALL INT 025072174   437,466 7,820 SH   SOLE   7,820 0 0
AMERICAN ELEC PWR CO INC COM 025537101   405,886 4,626 SH   SOLE   4,626 0 0
AMERICAN EXPRESS CO COM 025816109   19,797,594 85,500 SH   SOLE   82,197 0 3,303
AMERICAN INTL GROUP INC COM NEW 026874784   377,362 5,083 SH   SOLE   4,944 0 139
AMERICAN TOWER CORP NEW COM 03027X100   11,558,893 59,465 SH   SOLE   55,821 0 3,644
AMGEN INC COM 031162100   412,434 1,320 SH   SOLE   1,320 0 0
ANALOG DEVICES INC COM 032654105   419,086 1,836 SH   SOLE   1,836 0 0
AON PLC SHS CL A G0403H108   278,314 948 SH   SOLE   948 0 0
APPLE INC COM 037833100   65,954,826 313,146 SH   SOLE   306,218 0 6,928
ASTRAZENECA PLC SPONSORED ADR 046353108   275,227 3,529 SH   SOLE   3,529 0 0
AT&T INC COM 00206R102   259,992 13,605 SH   SOLE   13,605 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   534,427 2,239 SH   SOLE   2,239 0 0
BANK AMERICA CORP COM 060505104   2,516,033 63,265 SH   SOLE   57,895 0 5,370
BANK MONTREAL QUE COM 063671101   251,550 3,000 SH   SOLE   3,000 0 0
BANK NEW YORK MELLON CORP COM 064058100   1,603,435 26,773 SH   SOLE   26,773 0 0
BARINGS BDC INC COM 06759L103   197,704 20,319 SH   SOLE   20,319 0 0
BERKLEY W R CORP COM 084423102   540,631 6,880 SH   SOLE   6,880 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   35,788,637 87,976 SH   SOLE   83,920 0 4,056
BIGBEAR AI HLDGS INC *W EXP 12/08/202 08975B117   9,751 61,906 SH   SOLE   61,906 0 0
BLACKROCK INC COM 09247X101   844,008 1,072 SH   SOLE   1,072 0 0
BOEING CO COM 097023105   1,247,171 6,852 SH   SOLE   6,852 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   869,966 20,948 SH   SOLE   20,790 0 158
BROADCOM INC COM 11135F101   767,444 478 SH   SOLE   478 0 0
BROADSTONE NET LEASE INC COM 11135E203   15,423,502 971,865 SH   SOLE   971,865 0 0
BROOKFIELD CORP CL A LTD VT SH 11271J107   19,816,357 477,043 SH   SOLE   451,266 0 25,777
CANADIAN NATL RY CO COM 136375102   19,489,290 164,982 SH   SOLE   156,968 0 8,014
CARRIER GLOBAL CORPORATION COM 14448C104   372,299 5,902 SH   SOLE   5,902 0 0
CATERPILLAR INC COM 149123101   1,424,336 4,276 SH   SOLE   4,026 0 250
CHEVRON CORP NEW COM 166764100   4,339,153 27,740 SH   SOLE   27,534 0 206
CINCINNATI FINL CORP COM 172062101   256,277 2,170 SH   SOLE   2,170 0 0
CISCO SYS INC COM 17275R102   1,330,376 28,002 SH   SOLE   28,002 0 0
CITIZENS FINL GROUP INC COM 174610105   400,467 11,115 SH   SOLE   10,790 0 325
COCA COLA CO COM 191216100   2,099,925 32,992 SH   SOLE   32,771 0 221
COLGATE PALMOLIVE CO COM 194162103   441,727 4,552 SH   SOLE   4,552 0 0
COMCAST CORP NEW CL A 20030N101   1,647,819 42,079 SH   SOLE   41,827 0 252
CONOCOPHILLIPS COM 20825C104   426,752 3,731 SH   SOLE   3,731 0 0
CONSOLIDATED EDISON INC COM 209115104   466,505 5,217 SH   SOLE   5,217 0 0
CONSTELLATION BRANDS INC CL A 21036P108   2,175,366 8,455 SH   SOLE   8,455 0 0
COPART INC COM 217204106   14,433,640 266,500 SH   SOLE   251,559 0 14,941
CORNING INC COM 219350105   207,155 5,332 SH   SOLE   5,332 0 0
COSTAR GROUP INC COM 22160N109   309,609 4,176 SH   SOLE   4,176 0 0
COSTCO WHSL CORP NEW COM 22160K105   18,584,579 21,864 SH   SOLE   20,750 0 1,114
CRESCENT CAP BDC INC COM 225655109   1,149,937 61,232 SH   SOLE   61,232 0 0
CROWN HLDGS INC COM 228368106   692,720 9,312 SH   SOLE   9,312 0 0
CSX CORP COM 126408103   656,624 19,630 SH   SOLE   19,630 0 0
CVS HEALTH CORP COM 126650100   7,790,071 131,901 SH   SOLE   124,889 0 7,012
DANAHER CORPORATION COM 235851102   246,602 987 SH   SOLE   987 0 0
DBX ETF TR XTRACKERS S&P MD 233051127   509,106 17,696 SH   SOLE   17,696 0 0
DEERE & CO COM 244199105   777,898 2,082 SH   SOLE   2,082 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   15,668,668 124,276 SH   SOLE   117,238 0 7,038
DICKS SPORTING GOODS INC COM 253393102   1,728,684 8,046 SH   SOLE   8,046 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   227,421 7,665 SH   SOLE   7,665 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   62,258,692 2,449,201 SH   SOLE   2,402,831 0 46,370
DISNEY WALT CO COM 254687106   16,407,129 165,245 SH   SOLE   155,992 0 9,253
DOMINION ENERGY INC COM 25746U109   371,960 7,591 SH   SOLE   7,401 0 190
DOVER CORP COM 260003108   466,644 2,586 SH   SOLE   2,530 0 56
DOW INC COM 260557103   561,293 10,580 SH   SOLE   10,338 0 242
DUKE ENERGY CORP NEW COM NEW 26441C204   622,167 6,207 SH   SOLE   6,096 0 111
EASTMAN CHEM CO COM 277432100   248,746 2,539 SH   SOLE   2,539 0 0
EATON CORP PLC SHS G29183103   1,207,168 3,850 SH   SOLE   3,790 0 60
ELI LILLY & CO COM 532457108   1,705,736 1,884 SH   SOLE   1,884 0 0
EMERSON ELEC CO COM 291011104   1,689,638 15,338 SH   SOLE   15,338 0 0
ENBRIDGE INC COM 29250N105   530,825 14,915 SH   SOLE   14,760 0 155
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   2,085,471 128,574 SH   SOLE   128,574 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   2,818,483 97,256 SH   SOLE   97,256 0 0
EXXON MOBIL CORP COM 30231G102   5,586,116 48,524 SH   SOLE   48,474 0 50
FINANCIAL INSTNS INC COM 317585404   231,840 12,000 SH   SOLE   12,000 0 0
GE AEROSPACE COM NEW 369604301   1,139,974 7,171 SH   SOLE   7,171 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   250,513 3,215 SH   SOLE   3,215 0 0
GE VERNOVA INC COM 36828A101   306,146 1,785 SH   SOLE   1,785 0 0
GENERAL DYNAMICS CORP COM 369550108   281,726 971 SH   SOLE   971 0 0
GILAT SATELLITE NETWORKS LTD SHS NEW M51474118   58,598 13,109 SH   SOLE   13,109 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   662,649 1,465 SH   SOLE   1,465 0 0
GRAHAM CORP COM 384556106   5,288,139 187,789 SH   SOLE   187,789 0 0
HCA HEALTHCARE INC COM 40412C101   455,897 1,419 SH   SOLE   1,419 0 0
HENRY JACK & ASSOC INC COM 426281101   16,420,921 98,909 SH   SOLE   93,300 0 5,609
HOME DEPOT INC COM 437076102   1,322,183 3,841 SH   SOLE   3,760 0 81
HONEYWELL INTL INC COM 438516106   1,247,261 5,841 SH   SOLE   5,841 0 0
IDEX CORP COM 45167R104   203,615 1,012 SH   SOLE   1,012 0 0
IDEXX LABS INC COM 45168D104   11,809,923 24,240 SH   SOLE   22,392 0 1,848
ILLINOIS TOOL WKS INC COM 452308109   655,906 2,768 SH   SOLE   2,768 0 0
INTEL CORP COM 458140100   590,505 19,067 SH   SOLE   18,867 0 200
INTERNATIONAL BUSINESS MACHS COM 459200101   1,002,765 5,798 SH   SOLE   5,798 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   545,387 1,226 SH   SOLE   1,226 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G565   1,286,385 51,721 SH   SOLE   48,746 0 2,975
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   467,355 12,315 SH   SOLE   12,315 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   301,497 7,905 SH   SOLE   7,905 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   686,086 1,432 SH   SOLE   1,432 0 0
ISHARES GOLD TR ISHARES NEW 464285204   3,037,760 69,150 SH   SOLE   69,150 0 0
ISHARES INC CORE MSCI EMKT 46434G103   36,816,952 687,782 SH   SOLE   677,394 0 10,388
ISHARES INC ESG AWR MSCI EM 46434G863   392,000 11,691 SH   SOLE   11,691 0 0
ISHARES SILVER TR ISHARES 46428Q109   329,628 12,406 SH   SOLE   12,406 0 0
ISHARES TR COHEN STEER REIT 464287564   963,905 16,825 SH   SOLE   16,825 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   689,158 6,340 SH   SOLE   6,340 0 0
ISHARES TR CORE MSCI EAFE 46432F842   686,884 9,456 SH   SOLE   9,456 0 0
ISHARES TR CORE MSCI INTL 46435G326   2,253,093 34,325 SH   SOLE   34,325 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   141,576,419 2,095,566 SH   SOLE   2,051,150 0 44,416
ISHARES TR CORE S&P MCP ETF 464287507   923,739 15,785 SH   SOLE   15,785 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,442,579 13,525 SH   SOLE   13,251 0 274
ISHARES TR CORE S&P TTL STK 464287150   129,947,795 1,094,021 SH   SOLE   1,086,471 0 7,550
ISHARES TR CORE S&P US GWT 464287671   202,184 1,586 SH   SOLE   1,586 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,480,165 4,532 SH   SOLE   4,532 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,810,468 28,953 SH   SOLE   28,166 0 787
ISHARES TR EAFE SML CP ETF 464288273   286,626 4,650 SH   SOLE   4,650 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,151,213 14,613 SH   SOLE   14,613 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   1,047,915 46,123 SH   SOLE   46,123 0 0
ISHARES TR IBOXX INV CP ETF 464287242   5,571,419 52,011 SH   SOLE   52,011 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   3,116,776 60,827 SH   SOLE   60,827 0 0
ISHARES TR MBS ETF 464288588   2,221,894 24,201 SH   SOLE   21,389 0 2,812
ISHARES TR MSCI ACWI EX US 464288240   2,243,040 42,218 SH   SOLE   42,218 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,441,586 18,404 SH   SOLE   18,404 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   600,945 14,110 SH   SOLE   14,110 0 0
ISHARES TR MSCI KLD400 SOC 464288570   793,414 7,640 SH   SOLE   7,640 0 0
ISHARES TR MSCI USA ESG SLC 464288802   3,559,096 31,673 SH   SOLE   31,673 0 0
ISHARES TR MSCI USA MMENTM 46432F396   26,640,334 136,708 SH   SOLE   135,387 0 1,321
ISHARES TR RUS 1000 GRW ETF 464287614   322,592 885 SH   SOLE   885 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   350,860 2,011 SH   SOLE   2,011 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   1,689,906 6,437 SH   SOLE   6,437 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,038,991 6,822 SH   SOLE   6,822 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   6,008,994 29,617 SH   SOLE   28,461 0 1,156
ISHARES TR RUSSELL 3000 ETF 464287689   716,732 2,322 SH   SOLE   2,322 0 0
ISHARES TR S&P MC 400GR ETF 464287606   578,695 6,568 SH   SOLE   6,568 0 0
ISHARES TR S&P MC 400VL ETF 464287705   528,621 4,659 SH   SOLE   4,659 0 0
ISHARES TR SELECT DIVID ETF 464287168   278,859 2,305 SH   SOLE   2,305 0 0
ISHARES TR U.S. FIN SVC ETF 464287770   1,167,912 17,910 SH   SOLE   17,910 0 0
ISHARES TR US TREAS BD ETF 46429B267   93,923,810 4,161,445 SH   SOLE   4,080,045 0 81,400
ISHARES TR USD INV GRDE ETF 464288620   2,113,390 42,091 SH   SOLE   34,000 0 8,091
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   322,670 5,837 SH   SOLE   5,837 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,466,280 147,935 SH   SOLE   147,935 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   47,704,835 1,167,234 SH   SOLE   1,156,307 0 10,927
JOHNSON & JOHNSON COM 478160104   4,607,937 31,527 SH   SOLE   31,001 0 526
JPMORGAN CHASE & CO. COM 46625H100   3,968,948 19,623 SH   SOLE   18,623 0 1,000
KENVUE INC COM 49177J102   1,014,406 55,798 SH   SOLE   55,150 0 648
KIMBERLY-CLARK CORP COM 494368103   1,076,369 7,788 SH   SOLE   7,788 0 0
KOPIN CORP COM 500600101   16,278 19,380 SH   SOLE   19,380 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   528,437 2,353 SH   SOLE   2,353 0 0
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102   1,713,259 62,024 SH   SOLE   57,144 0 4,880
LINDE PLC SHS G54950103   1,433,154 3,266 SH   SOLE   3,266 0 0
LOCKHEED MARTIN CORP COM 539830109   1,897,361 4,062 SH   SOLE   4,044 0 18
LOWES COS INC COM 548661107   665,790 3,020 SH   SOLE   3,020 0 0
M & T BK CORP COM 55261F104   314,829 2,080 SH   SOLE   1,880 0 200
MARATHON PETE CORP COM 56585A102   280,171 1,615 SH   SOLE   1,615 0 0
MARKEL GROUP INC COM 570535104   28,771,552 18,260 SH   SOLE   17,206 0 1,054
MASTERCARD INCORPORATED CL A 57636Q104   1,744,890 3,955 SH   SOLE   3,955 0 0
MCDONALDS CORP COM 580135101   2,019,306 7,924 SH   SOLE   7,924 0 0
MCKESSON CORP COM 58155Q103   922,784 1,580 SH   SOLE   1,560 0 20
MEDTRONIC PLC SHS G5960L103   329,166 4,182 SH   SOLE   4,109 0 73
MERCK & CO INC COM 58933Y105   4,641,933 37,495 SH   SOLE   36,587 0 908
META PLATFORMS INC CL A 30303M102   1,596,865 3,167 SH   SOLE   3,167 0 0
METLIFE INC COM 59156R108   228,469 3,255 SH   SOLE   3,255 0 0
MICROSOFT CORP COM 594918104   55,294,455 123,715 SH   SOLE   118,435 0 5,280
MONDELEZ INTL INC CL A 609207105   207,940 3,178 SH   SOLE   3,178 0 0
MONROE CAP CORP COM 610335101   186,613 24,522 SH   SOLE   24,522 0 0
MOODYS CORP COM 615369105   24,211,604 57,519 SH   SOLE   53,913 0 3,606
MORINGA ACQUISITION CORP *W EXP 02/22/202 G6S23K124   690 10,000 SH   SOLE   10,000 0 0
MPLX LP COM UNIT REP LTD 55336V100   212,950 5,000 SH   SOLE   5,000 0 0
NATIONAL FUEL GAS CO COM 636180101   2,627,999 48,496 SH   SOLE   48,496 0 0
NETFLIX INC COM 64110L106   435,298 645 SH   SOLE   645 0 0
NEW YORK CMNTY BANCORP INC COM 649445103   32,200 10,000 SH   SOLE   10,000 0 0
NEXTERA ENERGY INC COM 65339F101   1,684,924 23,795 SH   SOLE   23,795 0 0
NIKE INC CL B 654106103   684,788 9,086 SH   SOLE   9,086 0 0
NORFOLK SOUTHN CORP COM 655844108   279,097 1,300 SH   SOLE   1,300 0 0
NOVARTIS AG SPONSORED ADR 66987V109   210,259 1,975 SH   SOLE   1,975 0 0
NOVO-NORDISK A S ADR 670100205   507,584 3,556 SH   SOLE   3,556 0 0
NVIDIA CORPORATION COM 67066G104   40,096,263 324,561 SH   SOLE   308,689 0 15,872
OLD REP INTL CORP COM 680223104   203,137 6,574 SH   SOLE   6,284 0 290
ORACLE CORP COM 68389X105   1,799,171 12,742 SH   SOLE   12,572 0 170
OREILLY AUTOMOTIVE INC COM 67103H107   1,346,477 1,275 SH   SOLE   1,275 0 0
OTIS WORLDWIDE CORP COM 68902V107   238,051 2,473 SH   SOLE   2,473 0 0
PALO ALTO NETWORKS INC COM 697435105   291,549 860 SH   SOLE   860 0 0
PAYCHEX INC COM 704326107   6,780,210 57,188 SH   SOLE   57,188 0 0
PAYLOCITY HLDG CORP COM 70438V106   261,723 1,985 SH   SOLE   1,985 0 0
PAYPAL HLDGS INC COM 70450Y103   210,533 3,628 SH   SOLE   3,478 0 150
PEPSICO INC COM 713448108   18,338,597 111,190 SH   SOLE   104,583 0 6,607
PFIZER INC COM 717081103   1,127,843 40,309 SH   SOLE   40,119 0 190
PHILIP MORRIS INTL INC COM 718172109   418,144 4,127 SH   SOLE   4,017 0 110
PHILLIPS 66 COM 718546104   2,464,757 17,459 SH   SOLE   17,387 0 72
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,600,946 15,906 SH   SOLE   15,906 0 0
PNC FINL SVCS GROUP INC COM 693475105   298,367 1,919 SH   SOLE   1,919 0 0
PPG INDS INC COM 693506107   231,638 1,840 SH   SOLE   1,840 0 0
PPL CORP COM 69351T106   400,925 14,500 SH   SOLE   14,500 0 0
PROCTER AND GAMBLE CO COM 742718109   9,098,040 55,166 SH   SOLE   54,559 0 607
QUALCOMM INC COM 747525103   1,998,800 10,035 SH   SOLE   9,952 0 83
READY CAPITAL CORP COM 75574U101   942,696 115,244 SH   SOLE   115,244 0 0
REGENERON PHARMACEUTICALS COM 75886F107   315,309 300 SH   SOLE   300 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   205,410 10,250 SH   SOLE   10,250 0 0
REPUBLIC SVCS INC COM 760759100   7,629,206 39,257 SH   SOLE   36,753 0 2,504
ROCKWELL AUTOMATION INC COM 773903109   367,499 1,335 SH   SOLE   1,335 0 0
ROYAL BK CDA COM 780087102   507,220 4,768 SH   SOLE   4,768 0 0
RTX CORPORATION COM 75513E101   1,019,260 10,153 SH   SOLE   10,153 0 0
SALESFORCE INC COM 79466L302   378,195 1,471 SH   SOLE   1,471 0 0
SCHLUMBERGER LTD COM STK 806857108   200,468 4,249 SH   SOLE   4,164 0 85
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,669,652 100,514 SH   SOLE   98,195 0 2,319
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   10,040,593 149,904 SH   SOLE   148,619 0 1,285
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   208,544 5,428 SH   SOLE   5,428 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,371,267 28,117 SH   SOLE   28,117 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,235,446 46,446 SH   SOLE   46,446 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   655,301 14,377 SH   SOLE   14,367 0 10
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   19,793,347 314,830 SH   SOLE   306,214 0 8,616
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   529,018 6,803 SH   SOLE   6,803 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   12,356,201 192,314 SH   SOLE   189,527 0 2,787
SCHWAB STRATEGIC TR US REIT ETF 808524847   387,618 19,410 SH   SOLE   18,160 0 1,250
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,449,891 51,631 SH   SOLE   51,631 0 0
SERVICENOW INC COM 81762P102   259,602 330 SH   SOLE   330 0 0
SHOPIFY INC CL A 82509L107   15,580,139 235,884 SH   SOLE   223,547 0 12,337
SOUTHERN CO COM 842587107   903,838 11,652 SH   SOLE   11,502 0 150
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   14,892,336 526,045 SH   SOLE   511,837 0 14,208
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,889,467 34,709 SH   SOLE   34,709 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   1,680,519 77,910 SH   SOLE   77,910 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144   1,667,614 58,105 SH   SOLE   58,105 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   3,056,446 105,869 SH   SOLE   105,869 0 0
SPDR SER TR S&P BK ETF 78464A797   561,319 12,100 SH   SOLE   12,100 0 0
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   526,844 23,893 SH   SOLE   23,893 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   396,399 21,949 SH   SOLE   21,949 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,094,088 27,545 SH   SOLE   22,411 0 5,134
STARBUCKS CORP COM 855244109   572,485 7,354 SH   SOLE   7,294 0 60
STATE STR CORP COM 857477103   213,120 2,880 SH   SOLE   2,880 0 0
STRYKER CORPORATION COM 863667101   1,684,238 4,950 SH   SOLE   4,950 0 0
SYSCO CORP COM 871829107   297,340 4,165 SH   SOLE   4,165 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   419,230 2,412 SH   SOLE   2,412 0 0
TE CONNECTIVITY LTD SHS H84989104   274,008 1,821 SH   SOLE   1,767 0 54
TEGNA INC COM 87901J105   406,867 29,187 SH   SOLE   29,187 0 0
TELUS CORPORATION COM 87971M103   293,489 19,385 SH   SOLE   18,896 0 489
TEXAS INSTRS INC COM 882508104   256,197 1,317 SH   SOLE   1,317 0 0
THE CIGNA GROUP COM 125523100   224,458 679 SH   SOLE   679 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   377,699 683 SH   SOLE   683 0 0
TJX COS INC NEW COM 872540109   13,844,946 125,749 SH   SOLE   120,000 0 5,749
TOMPKINS FINL CORP COM 890110109   381,274 7,797 SH   SOLE   7,797 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   922,999 16,794 SH   SOLE   16,794 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   481,225 1,463 SH   SOLE   1,463 0 0
TRAVELERS COMPANIES INC COM 89417E109   235,265 1,157 SH   SOLE   1,157 0 0
TRUIST FINL CORP COM 89832Q109   532,463 13,706 SH   SOLE   13,396 0 310
UNION PAC CORP COM 907818108   518,865 2,293 SH   SOLE   2,274 0 19
UNITED PARCEL SERVICE INC CL B 911312106   332,546 2,430 SH   SOLE   2,430 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,753,383 3,443 SH   SOLE   3,443 0 0
UNUM GROUP COM 91529Y106   228,360 4,468 SH   SOLE   4,468 0 0
UR-ENERGY INC COM 91688R108   26,670 19,050 SH   SOLE   19,050 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,809,182 38,989 SH   SOLE   38,934 0 55
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   37,623,291 222,900 SH   SOLE   218,182 0 4,718
VANGUARD INDEX FDS LARGE CAP ETF 922908637   304,038 1,218 SH   SOLE   1,218 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   225,153 930 SH   SOLE   930 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   383,370 4,577 SH   SOLE   4,577 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,960,830 17,917 SH   SOLE   17,888 0 29
VANGUARD INDEX FDS SMALL CP ETF 922908751   598,520 2,745 SH   SOLE   2,745 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   26,373,730 98,590 SH   SOLE   97,295 0 1,295
VANGUARD INDEX FDS VALUE ETF 922908744   841,191 5,244 SH   SOLE   5,244 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,998,276 34,077 SH   SOLE   31,022 0 3,055
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,313,819 30,023 SH   SOLE   28,243 0 1,780
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,600,473 14,210 SH   SOLE   14,210 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,074,286 18,449 SH   SOLE   18,449 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,533,612 33,780 SH   SOLE   33,780 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,175,670 19,497 SH   SOLE   19,497 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   961,368 19,453 SH   SOLE   19,453 0 0
VANGUARD WELLINGTON FD US QUALITY 921935706   247,406 1,845 SH   SOLE   1,845 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   352,296 8,543 SH   SOLE   8,543 0 0
VISA INC COM CL A 92826C839   31,516,343 120,076 SH   SOLE   113,562 0 6,514
WALMART INC COM 931142103   560,030 8,271 SH   SOLE   8,271 0 0
WASTE MGMT INC DEL COM 94106L109   1,256,146 5,888 SH   SOLE   5,888 0 0
WD 40 CO COM 929236107   300,029 1,366 SH   SOLE   1,366 0 0
WEBSTER FINL CORP COM 947890109   736,363 16,893 SH   SOLE   16,575 0 318
WELLS FARGO CO NEW COM 949746101   24,283,327 408,879 SH   SOLE   390,110 0 18,769
WHEATON PRECIOUS METALS CORP COM 962879102   971,595 18,535 SH   SOLE   18,535 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,282,453 25,491 SH   SOLE   25,491 0 0
YUM BRANDS INC COM 988498101   1,469,420 11,093 SH   SOLE   11,093 0 0
YUM CHINA HLDGS INC COM 98850P109   385,840 12,511 SH   SOLE   12,511 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   378,770 3,490 SH   SOLE   3,490 0 0