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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   1,950,257 8,370 SH   SOLE   0 0 8,370
AMGEN INC COM 031162100   335,421 1,041 SH   SOLE   0 0 1,041
AMAZON COM INC COM 023135106   211,857 1,137 SH   SOLE   0 0 1,137
AMPHENOL CORP NEW CL A 032095101   670,105 10,284 SH   SOLE   0 0 10,284
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,974,977 106,093 SH   SOLE   0 0 106,093
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,716,434 148,894 SH   SOLE   0 0 148,894
CARRIER GLOBAL CORPORATION COM 14448C104   1,077,037 13,381 SH   SOLE   0 0 13,381
CATERPILLAR INC COM 149123101   343,012 877 SH   SOLE   0 0 877
COMMUNITY FINANCIAL SYSTEM I COM 203607106   2,605,194 44,863 SH   SOLE   0 0 44,863
ISHARES TR MSCI EMG MKT ETF 464287234   227,787 4,967 SH   SOLE   0 0 4,967
ISHARES TR MSCI EAFE ETF 464287465   634,919 7,592 SH   SOLE   0 0 7,592
HOME DEPOT INC COM 437076102   530,002 1,308 SH   SOLE   0 0 1,308
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,822,101 111,944 SH   SOLE   0 0 111,944
ISHARES TR IBONDS DEC25 ETF 46434VBD1   472,644 18,830 SH   SOLE   0 0 18,830
ISHARES TR IBONDS DEC 46435U697   353,331 13,538 SH   SOLE   0 0 13,538
ISHARES TR CORE S&P500 ETF 464287200   47,627,776 82,570 SH   SOLE   0 0 82,570
JOHNSON & JOHNSON COM 478160104   233,794 1,443 SH   SOLE   0 0 1,443
JPMORGAN CHASE & CO. COM 46625H100   475,911 2,257 SH   SOLE   0 0 2,257
META PLATFORMS INC CL A 30303M102   263,322 460 SH   SOLE   0 0 460
VANGUARD WORLD FD MEGA CAP INDEX 921910873   5,444,386 26,347 SH   SOLE   0 0 26,347
MERCK & CO INC COM 58933Y105   364,300 3,208 SH   SOLE   0 0 3,208
MICROSOFT CORP COM 594918104   1,124,017 2,612 SH   SOLE   0 0 2,612
ISHARES TR NATIONAL MUN ETF 464288414   4,414,615 40,639 SH   SOLE   0 0 40,639
NATIONAL FUEL GAS CO COM 636180101   405,481 6,690 SH   SOLE   0 0 6,690
NVIDIA CORPORATION COM 67066G104   766,327 6,310 SH   SOLE   0 0 6,310
OTIS WORLDWIDE CORP COM 68902V107   695,359 6,690 SH   SOLE   0 0 6,690
PROCTER AND GAMBLE CO COM 742718109   221,413 1,278 SH   SOLE   0 0 1,278
ISHARES TR GLOBAL REIT ETF 46434V647   7,197,459 269,669 SH   SOLE   0 0 269,669
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,922,399 16,312 SH   SOLE   0 0 16,312
RTX CORPORATION COM 75513E101   1,810,979 14,947 SH   SOLE   0 0 14,947
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   508,745 7,648 SH   SOLE   0 0 7,648
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   281,400 3,329 SH   SOLE   0 0 3,329
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,612,815 55,271 SH   SOLE   0 0 55,271
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,269,355 128,146 SH   SOLE   0 0 128,146
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   327,646 3,145 SH   SOLE   0 0 3,145
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,968,806 49,382 SH   SOLE   0 0 49,382
SHERWIN WILLIAMS CO COM 824348106   333,198 873 SH   SOLE   0 0 873
SOUTHERN CO COM 842587107   240,871 2,671 SH   SOLE   0 0 2,671
SPDR S&P 500 ETF TR TR UNIT 78462F103   524,417 914 SH   SOLE   0 0 914
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   539,897 13,041 SH   SOLE   0 0 13,041
ISHARES INC MSCI WORLD ETF 464286392   578,684 3,688 SH   SOLE   0 0 3,688
VISA INC COM CL A 92826C839   358,810 1,305 SH   SOLE   0 0 1,305
VANGUARD INDEX FDS SMALL CP ETF 922908751   900,686 3,797 SH   SOLE   0 0 3,797
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,886,086 338,687 SH   SOLE   0 0 338,687
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,077,823 21,329 SH   SOLE   0 0 21,329
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   312,388 592 SH   SOLE   0 0 592
VANGUARD INDEX FDS VALUE ETF 922908744   22,797,414 130,592 SH   SOLE   0 0 130,592
VANGUARD INDEX FDS GROWTH ETF 922908736   22,689,387 59,098 SH   SOLE   0 0 59,098
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,607,085 179,876 SH   SOLE   0 0 179,876
EXXON MOBIL CORP COM 30231G102   328,505 2,802 SH   SOLE   0 0 2,802