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   273,661 2,580 SH   SOLE   2,580 0 0
ABBOTT LABS COM 002824100   964,974 8,490 SH   SOLE   8,490 0 0
ABBVIE INC COM 00287Y109   2,035,150 11,176 SH   SOLE   11,176 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   718,870 2,074 SH   SOLE   2,074 0 0
ADOBE INC COM 00724F101   13,868,427 27,484 SH   SOLE   25,901 0 1,583
ADVANCED MICRO DEVICES INC COM 007903107   596,491 3,305 SH   SOLE   3,305 0 0
AFLAC INC COM 001055102   401,739 4,679 SH   SOLE   4,489 0 190
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   212,377 2,935 SH   SOLE   2,765 0 170
ALLSTATE CORP COM 020002101   537,889 3,109 SH   SOLE   3,109 0 0
ALPHABET INC CAP STK CL A 02079K305   11,451,965 75,876 SH   SOLE   75,125 0 751
ALPHABET INC CAP STK CL C 02079K107   38,809,345 254,889 SH   SOLE   242,724 0 12,165
ALTRIA GROUP INC COM 02209S103   381,368 8,743 SH   SOLE   8,742 0 1
AMAZON COM INC COM 023135106   50,180,093 278,191 SH   SOLE   265,040 0 13,151
AMERICAN CENTY ETF TR AVANTIS ALL INT 025072174   418,885 7,450 SH   SOLE   7,450 0 0
AMERICAN ELEC PWR CO INC COM 025537101   415,863 4,830 SH   SOLE   4,830 0 0
AMERICAN EXPRESS CO COM 025816109   22,382,723 98,303 SH   SOLE   94,114 0 4,189
AMERICAN INTL GROUP INC COM NEW 026874784   360,208 4,608 SH   SOLE   4,479 0 129
AMERICAN TOWER CORP NEW COM 03027X100   11,743,060 59,431 SH   SOLE   55,842 0 3,589
AMGEN INC COM 031162100   375,303 1,320 SH   SOLE   1,320 0 0
ANALOG DEVICES INC COM 032654105   397,756 2,011 SH   SOLE   2,011 0 0
AON PLC SHS CL A G0403H108   302,017 905 SH   SOLE   905 0 0
APPLE INC COM 037833100   56,874,909 331,671 SH   SOLE   323,669 0 8,002
ASTRAZENECA PLC SPONSORED ADR 046353108   228,657 3,375 SH   SOLE   3,375 0 0
AT&T INC COM 00206R102   242,968 13,805 SH   SOLE   13,805 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   566,661 2,269 SH   SOLE   2,269 0 0
BANK AMERICA CORP COM 060505104   2,442,564 64,414 SH   SOLE   57,664 0 6,750
BANK MONTREAL QUE COM 063671101   293,040 3,000 SH   SOLE   3,000 0 0
BANK NEW YORK MELLON CORP COM 064058100   1,542,661 26,773 SH   SOLE   26,773 0 0
BARINGS BDC INC COM 06759L103   188,976 20,320 SH   SOLE   20,320 0 0
BERKLEY W R CORP COM 084423102   645,878 7,303 SH   SOLE   7,303 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   36,037,303 85,697 SH   SOLE   81,716 0 3,981
BIGBEAR AI HLDGS INC *W EXP 12/08/202 08975B117   20,751 61,906 SH   SOLE   61,906 0 0
BLACKROCK INC COM 09247X101   893,727 1,072 SH   SOLE   1,072 0 0
BOEING CO COM 097023105   1,201,210 6,224 SH   SOLE   6,224 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,179,609 21,752 SH   SOLE   21,600 0 152
BROADCOM INC COM 11135F101   600,411 453 SH   SOLE   453 0 0
BROADSTONE NET LEASE INC COM 11135E203   18,893,266 1,205,697 SH   SOLE   1,205,697 0 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   257,121 6,119 SH   SOLE   6,119 0 0
BROOKFIELD CORP CL A LTD VT SH 11271J107   19,816,262 473,281 SH   SOLE   447,964 0 25,317
CANADIAN NATL RY CO COM 136375102   21,526,341 163,437 SH   SOLE   155,573 0 7,864
CARDINAL HEALTH INC COM 14149Y108   218,205 1,950 SH   SOLE   1,950 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   343,084 5,902 SH   SOLE   5,902 0 0
CATERPILLAR INC COM 149123101   1,695,106 4,626 SH   SOLE   4,026 0 600
CHEVRON CORP NEW COM 166764100   4,352,225 27,591 SH   SOLE   27,389 0 202
CINCINNATI FINL CORP COM 172062101   350,160 2,820 SH   SOLE   2,820 0 0
CISCO SYS INC COM 17275R102   1,406,675 28,184 SH   SOLE   28,184 0 0
CITIZENS FINL GROUP INC COM 174610105   396,238 10,919 SH   SOLE   10,610 0 309
COCA COLA CO COM 191216100   2,014,850 32,933 SH   SOLE   32,717 0 216
COLGATE PALMOLIVE CO COM 194162103   418,193 4,644 SH   SOLE   4,644 0 0
COMCAST CORP NEW CL A 20030N101   1,794,322 41,392 SH   SOLE   41,146 0 246
CONOCOPHILLIPS COM 20825C104   474,882 3,731 SH   SOLE   3,731 0 0
CONSOLIDATED EDISON INC COM 209115104   473,756 5,217 SH   SOLE   5,217 0 0
CONSTELLATION BRANDS INC CL A 21036P108   2,297,194 8,453 SH   SOLE   8,453 0 0
COPART INC COM 217204106   15,402,608 265,929 SH   SOLE   251,258 0 14,671
COSTAR GROUP INC COM 22160N109   1,091,484 11,299 SH   SOLE   10,749 0 550
COSTCO WHSL CORP NEW COM 22160K105   15,920,376 21,730 SH   SOLE   20,634 0 1,096
CRESCENT CAP BDC INC COM 225655109   1,063,769 61,632 SH   SOLE   61,632 0 0
CROWN HLDGS INC COM 228368106   738,070 9,312 SH   SOLE   9,312 0 0
CSX CORP COM 126408103   727,685 19,630 SH   SOLE   19,630 0 0
CVS HEALTH CORP COM 126650100   10,065,499 126,197 SH   SOLE   119,290 0 6,907
DANAHER CORPORATION COM 235851102   233,239 934 SH   SOLE   934 0 0
DBX ETF TR XTRACKERS S&P MD 233051127   518,387 17,262 SH   SOLE   17,262 0 0
DEERE & CO COM 244199105   855,161 2,082 SH   SOLE   2,082 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   12,214,529 82,120 SH   SOLE   77,684 0 4,436
DICKS SPORTING GOODS INC COM 253393102   1,809,224 8,046 SH   SOLE   8,046 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   231,637 7,665 SH   SOLE   7,665 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   61,147,382 2,403,592 SH   SOLE   2,359,931 0 43,661
DISNEY WALT CO COM 254687106   20,151,165 164,688 SH   SOLE   155,600 0 9,088
DOMINION ENERGY INC COM 25746U109   372,131 7,565 SH   SOLE   7,386 0 179
DOVER CORP COM 260003108   457,859 2,584 SH   SOLE   2,530 0 54
DOW INC COM 260557103   618,082 10,669 SH   SOLE   10,438 0 231
DUKE ENERGY CORP NEW COM NEW 26441C204   654,758 6,770 SH   SOLE   6,664 0 106
EASTMAN CHEM CO COM 277432100   230,607 2,301 SH   SOLE   2,301 0 0
EATON CORP PLC SHS G29183103   1,208,196 3,864 SH   SOLE   3,805 0 59
ELI LILLY & CO COM 532457108   1,359,875 1,748 SH   SOLE   1,748 0 0
EMERSON ELEC CO COM 291011104   1,802,015 15,888 SH   SOLE   15,888 0 0
ENBRIDGE INC COM 29250N105   521,173 14,405 SH   SOLE   14,260 0 145
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   2,022,470 128,574 SH   SOLE   128,574 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   2,837,587 97,244 SH   SOLE   97,244 0 0
EOS ENERGY ENTERPRISES INC COM CL A 29415C101   10,672 10,361 SH   SOLE   10,361 0 0
EXXON MOBIL CORP COM 30231G102   5,594,399 48,128 SH   SOLE   48,081 0 47
FINANCIAL INSTNS INC COM 317585404   225,840 12,000 SH   SOLE   12,000 0 0
FISERV INC COM 337738108   205,209 1,284 SH   SOLE   1,284 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   290,458 3,195 SH   SOLE   3,195 0 0
GENERAL DYNAMICS CORP COM 369550108   288,140 1,020 SH   SOLE   1,020 0 0
GENERAL ELECTRIC CO COM NEW 369604301   1,302,609 7,421 SH   SOLE   7,421 0 0
GILAT SATELLITE NETWORKS LTD SHS NEW M51474118   71,182 13,109 SH   SOLE   13,109 0 0
GLOBE LIFE INC COM 37959E102   372,966 3,205 SH   SOLE   3,205 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   611,916 1,465 SH   SOLE   1,465 0 0
GRAHAM CORP COM 384556106   5,122,884 187,789 SH   SOLE   187,789 0 0
HCA HEALTHCARE INC COM 40412C101   473,280 1,419 SH   SOLE   1,419 0 0
HENRY JACK & ASSOC INC COM 426281101   16,825,362 96,848 SH   SOLE   91,339 0 5,509
HOME DEPOT INC COM 437076102   1,480,706 3,860 SH   SOLE   3,781 0 79
HONEYWELL INTL INC COM 438516106   1,209,102 5,891 SH   SOLE   5,891 0 0
IDEX CORP COM 45167R104   246,949 1,012 SH   SOLE   1,012 0 0
IDEXX LABS INC COM 45168D104   13,195,998 24,440 SH   SOLE   22,559 0 1,881
ILLINOIS TOOL WKS INC COM 452308109   742,738 2,768 SH   SOLE   2,768 0 0
INTEL CORP COM 458140100   864,098 19,563 SH   SOLE   19,363 0 200
INTERNATIONAL BUSINESS MACHS COM 459200101   1,182,234 6,191 SH   SOLE   6,191 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   429,421 1,076 SH   SOLE   1,076 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G565   1,261,004 48,952 SH   SOLE   46,928 0 2,024
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   473,759 12,315 SH   SOLE   12,315 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   310,509 7,905 SH   SOLE   7,905 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   640,263 1,442 SH   SOLE   1,442 0 0
ISHARES GOLD TR ISHARES NEW 464285204   2,967,755 70,644 SH   SOLE   70,644 0 0
ISHARES INC CORE MSCI EMKT 46434G103   33,730,979 653,701 SH   SOLE   644,163 0 9,538
ISHARES INC ESG AWR MSCI EM 46434G863   374,416 11,617 SH   SOLE   11,617 0 0
ISHARES SILVER TR ISHARES 46428Q109   232,050 10,200 SH   SOLE   10,200 0 0
ISHARES TR COHEN STEER REIT 464287564   970,803 16,825 SH   SOLE   16,825 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   698,732 6,340 SH   SOLE   6,340 0 0
ISHARES TR CORE MSCI EAFE 46432F842   701,825 9,456 SH   SOLE   9,456 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   139,674,102 2,058,269 SH   SOLE   2,015,976 0 42,293
ISHARES TR CORE S&P MCP ETF 464287507   905,634 14,910 SH   SOLE   14,910 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,501,194 13,583 SH   SOLE   13,310 0 273
ISHARES TR CORE S&P TTL STK 464287150   128,782,850 1,116,937 SH   SOLE   1,109,116 0 7,821
ISHARES TR CORE S&P500 ETF 464287200   2,430,038 4,622 SH   SOLE   4,622 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,954,948 30,171 SH   SOLE   29,384 0 787
ISHARES TR EAFE SML CP ETF 464288273   294,485 4,650 SH   SOLE   4,650 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   1,171,241 14,657 SH   SOLE   14,657 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   1,023,860 44,535 SH   SOLE   44,535 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,589,356 23,773 SH   SOLE   23,773 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   3,105,363 60,557 SH   SOLE   60,557 0 0
ISHARES TR MBS ETF 464288588   1,910,692 20,674 SH   SOLE   19,159 0 1,515
ISHARES TR MSCI ACWI EX US 464288240   2,271,826 42,552 SH   SOLE   42,552 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,512,070 18,934 SH   SOLE   18,934 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   586,746 14,283 SH   SOLE   14,283 0 0
ISHARES TR MSCI KLD400 SOC 464288570   770,189 7,640 SH   SOLE   7,640 0 0
ISHARES TR MSCI USA ESG SLC 464288802   3,444,205 31,549 SH   SOLE   31,549 0 0
ISHARES TR MSCI USA MMENTM 46432F396   25,299,639 135,039 SH   SOLE   133,701 0 1,338
ISHARES TR RUS 1000 GRW ETF 464287614   347,162 1,030 SH   SOLE   1,030 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   477,508 2,666 SH   SOLE   2,666 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   1,743,140 6,437 SH   SOLE   6,437 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,085,626 6,836 SH   SOLE   6,836 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   6,290,915 29,914 SH   SOLE   29,008 0 906
ISHARES TR RUSSELL 3000 ETF 464287689   697,086 2,323 SH   SOLE   2,323 0 0
ISHARES TR S&P MC 400GR ETF 464287606   602,147 6,599 SH   SOLE   6,568 0 31
ISHARES TR S&P MC 400VL ETF 464287705   554,436 4,687 SH   SOLE   4,659 0 28
ISHARES TR SELECT DIVID ETF 464287168   405,879 3,295 SH   SOLE   3,295 0 0
ISHARES TR U.S. FIN SVC ETF 464287770   1,187,433 17,910 SH   SOLE   17,910 0 0
ISHARES TR US TREAS BD ETF 46429B267   89,143,453 3,914,952 SH   SOLE   3,839,174 0 75,778
ISHARES TR USD INV GRDE ETF 464288620   1,980,995 39,019 SH   SOLE   34,203 0 4,816
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   337,023 5,983 SH   SOLE   5,983 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,767,756 173,791 SH   SOLE   173,791 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   47,351,155 1,137,702 SH   SOLE   1,126,610 0 11,092
JOHNSON & JOHNSON COM 478160104   5,052,931 31,942 SH   SOLE   31,416 0 526
JPMORGAN CHASE & CO COM 46625H100   4,048,664 20,213 SH   SOLE   19,213 0 1,000
KENVUE INC COM 49177J102   1,264,215 58,910 SH   SOLE   57,945 0 965
KIMBERLY-CLARK CORP COM 494368103   1,005,121 7,771 SH   SOLE   7,771 0 0
KOPIN CORP COM 500600101   34,884 19,380 SH   SOLE   19,380 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   501,425 2,353 SH   SOLE   2,353 0 0
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102   1,603,168 57,256 SH   SOLE   54,395 0 2,861
LINDE PLC SHS G54950103   1,519,256 3,272 SH   SOLE   3,272 0 0
LOCKHEED MARTIN CORP COM 539830109   1,912,729 4,205 SH   SOLE   4,187 0 18
LOWES COS INC COM 548661107   769,285 3,020 SH   SOLE   3,020 0 0
M & T BK CORP COM 55261F104   317,060 2,180 SH   SOLE   1,980 0 200
MARATHON PETE CORP COM 56585A102   325,423 1,615 SH   SOLE   1,615 0 0
MARKEL GROUP INC COM 570535104   27,736,581 18,230 SH   SOLE   17,194 0 1,036
MASTERCARD INCORPORATED CL A 57636Q104   1,904,721 3,955 SH   SOLE   3,955 0 0
MCDONALDS CORP COM 580135101   2,248,219 7,974 SH   SOLE   7,974 0 0
MCKESSON CORP COM 58155Q103   821,381 1,530 SH   SOLE   1,510 0 20
MEDTRONIC PLC SHS G5960L103   371,521 4,263 SH   SOLE   4,194 0 69
MERCK & CO INC COM 58933Y105   5,095,803 38,619 SH   SOLE   37,714 0 905
META PLATFORMS INC CL A 30303M102   1,729,636 3,562 SH   SOLE   3,562 0 0
METLIFE INC COM 59156R108   241,229 3,255 SH   SOLE   3,255 0 0
MICROSOFT CORP COM 594918104   52,263,405 124,224 SH   SOLE   119,005 0 5,219
MONDELEZ INTL INC CL A 609207105   221,848 3,169 SH   SOLE   3,169 0 0
MONROE CAP CORP COM 610335101   176,566 24,523 SH   SOLE   24,523 0 0
MOODYS CORP COM 615369105   22,791,862 57,990 SH   SOLE   54,414 0 3,576
MORINGA ACQUISITION CORP *W EXP 02/22/202 G6S23K124   450 10,000 SH   SOLE   10,000 0 0
MPLX LP COM UNIT REP LTD 55336V100   233,277 5,613 SH   SOLE   5,613 0 0
NATIONAL FUEL GAS CO COM 636180101   2,605,206 48,496 SH   SOLE   48,496 0 0
NETFLIX INC COM 64110L106   391,728 645 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   1,520,739 23,795 SH   SOLE   23,795 0 0
NIKE INC CL B 654106103   848,405 9,028 SH   SOLE   9,028 0 0
NORFOLK SOUTHN CORP COM 655844108   336,429 1,320 SH   SOLE   1,320 0 0
NOVO-NORDISK A S ADR 670100205   456,591 3,556 SH   SOLE   3,556 0 0
NVIDIA CORPORATION COM 67066G104   31,921,053 35,328 SH   SOLE   33,534 0 1,794
ORACLE CORP COM 68389X105   1,600,523 12,742 SH   SOLE   12,572 0 170
OREILLY AUTOMOTIVE INC COM 67103H107   1,439,322 1,275 SH   SOLE   1,275 0 0
OTIS WORLDWIDE CORP COM 68902V107   245,495 2,473 SH   SOLE   2,473 0 0
PAYCHEX INC COM 704326107   7,453,592 60,697 SH   SOLE   60,697 0 0
PAYLOCITY HLDG CORP COM 70438V106   341,143 1,985 SH   SOLE   1,985 0 0
PAYPAL HLDGS INC COM 70450Y103   230,379 3,439 SH   SOLE   3,289 0 150
PEPSICO INC COM 713448108   19,341,788 110,518 SH   SOLE   104,006 0 6,512
PFIZER INC COM 717081103   1,118,435 40,304 SH   SOLE   40,119 0 185
PHILIP MORRIS INTL INC COM 718172109   382,792 4,178 SH   SOLE   4,072 0 106
PHILLIPS 66 COM 718546104   3,118,210 19,090 SH   SOLE   19,021 0 69
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   3,408,414 33,901 SH   SOLE   33,901 0 0
PNC FINL SVCS GROUP INC COM 693475105   310,111 1,919 SH   SOLE   1,919 0 0
PPG INDS INC COM 693506107   266,616 1,840 SH   SOLE   1,840 0 0
PPL CORP COM 69351T106   399,185 14,500 SH   SOLE   14,500 0 0
PROCTER AND GAMBLE CO COM 742718109   8,933,064 55,057 SH   SOLE   54,454 0 603
QUALCOMM INC COM 747525103   1,704,857 10,070 SH   SOLE   9,987 0 83
READY CAPITAL CORP COM 75574U101   1,052,178 115,244 SH   SOLE   115,244 0 0
REGENERON PHARMACEUTICALS COM 75886F107   216,561 225 SH   SOLE   225 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   215,660 10,250 SH   SOLE   10,250 0 0
REPUBLIC SVCS INC COM 760759100   392,261 2,049 SH   SOLE   2,049 0 0
ROCKET PHARMACEUTICALS INC COM 77313F106   242,460 9,000 SH   SOLE   9,000 0 0
ROCKWELL AUTOMATION INC COM 773903109   355,423 1,220 SH   SOLE   1,220 0 0
ROYAL BK CDA COM 780087102   480,996 4,768 SH   SOLE   4,768 0 0
RTX CORPORATION COM 75513E101   990,710 10,158 SH   SOLE   10,158 0 0
SALESFORCE INC COM 79466L302   443,036 1,471 SH   SOLE   1,471 0 0
SCHLUMBERGER LTD COM STK 806857108   240,233 4,383 SH   SOLE   4,298 0 85
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,595,776 102,803 SH   SOLE   100,463 0 2,340
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   211,801 5,428 SH   SOLE   5,428 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   709,116 14,457 SH   SOLE   14,457 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   10,343,108 153,481 SH   SOLE   152,196 0 1,285
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   220,598 3,868 SH   SOLE   3,868 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,262,351 46,927 SH   SOLE   46,927 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   286,575 6,230 SH   SOLE   6,230 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   21,023,713 344,369 SH   SOLE   334,388 0 9,981
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   617,079 7,653 SH   SOLE   7,653 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   16,523,314 266,247 SH   SOLE   263,180 0 3,067
SCHWAB STRATEGIC TR US REIT ETF 808524847   358,701 17,670 SH   SOLE   16,420 0 1,250
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,585,100 52,500 SH   SOLE   52,500 0 0
SERVICENOW INC COM 81762P102   251,592 330 SH   SOLE   330 0 0
SHOPIFY INC CL A 82509L107   17,658,734 228,829 SH   SOLE   216,697 0 12,132
SMUCKER J M CO COM NEW 832696405   224,678 1,785 SH   SOLE   1,785 0 0
SOUTHERN CO COM 842587107   811,842 11,316 SH   SOLE   11,177 0 139
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   15,298,554 538,681 SH   SOLE   524,420 0 14,261
SPDR S&P 500 ETF TR TR UNIT 78462F103   19,469,539 37,222 SH   SOLE   37,222 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   4,345,278 150,252 SH   SOLE   150,252 0 0
SPDR SER TR S&P BK ETF 78464A797   569,910 12,100 SH   SOLE   12,100 0 0
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   485,987 23,893 SH   SOLE   23,893 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   408,851 23,633 SH   SOLE   23,633 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,167,258 29,145 SH   SOLE   26,086 0 3,059
STARBUCKS CORP COM 855244109   716,548 7,841 SH   SOLE   7,784 0 57
STATE STR CORP COM 857477103   222,682 2,880 SH   SOLE   2,880 0 0
STRYKER CORPORATION COM 863667101   1,735,670 4,850 SH   SOLE   4,850 0 0
SYSCO CORP COM 871829107   332,838 4,100 SH   SOLE   4,100 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   279,855 2,057 SH   SOLE   2,057 0 0
TARGET CORP COM 87612E106   217,260 1,226 SH   SOLE   1,226 0 0
TC ENERGY CORP COM 87807B107   200,598 4,990 SH   SOLE   4,990 0 0
TE CONNECTIVITY LTD SHS H84989104   270,062 1,859 SH   SOLE   1,807 0 52
TEGNA INC COM 87901J105   436,054 29,187 SH   SOLE   29,187 0 0
TELUS CORPORATION COM 87971M103   303,710 18,970 SH   SOLE   18,481 0 489
TEXAS INSTRS INC COM 882508104   219,331 1,259 SH   SOLE   1,259 0 0
THE CIGNA GROUP COM 125523100   246,607 679 SH   SOLE   679 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   383,018 659 SH   SOLE   659 0 0
TJX COS INC NEW COM 872540109   12,903,685 127,230 SH   SOLE   121,565 0 5,665
TOMPKINS FINL CORP COM 890110109   392,112 7,797 SH   SOLE   7,797 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   1,004,120 16,630 SH   SOLE   16,630 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   439,193 1,463 SH   SOLE   1,463 0 0
TRAVELERS COMPANIES INC COM 89417E109   266,272 1,157 SH   SOLE   1,157 0 0
TRUIST FINL CORP COM 89832Q109   525,616 13,484 SH   SOLE   13,196 0 288
UNION PAC CORP COM 907818108   563,710 2,292 SH   SOLE   2,274 0 18
UNITED PARCEL SERVICE INC CL B 911312106   361,171 2,430 SH   SOLE   2,430 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,723,535 3,484 SH   SOLE   3,484 0 0
UNUM GROUP COM 91529Y106   239,753 4,468 SH   SOLE   4,468 0 0
UR-ENERGY INC COM 91688R108   30,480 19,050 SH   SOLE   19,050 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,647,516 36,452 SH   SOLE   36,407 0 45
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   38,056,726 217,132 SH   SOLE   212,749 0 4,383
VANGUARD INDEX FDS GROWTH ETF 922908736   256,774 746 SH   SOLE   746 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   313,127 1,306 SH   SOLE   1,306 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   232,370 930 SH   SOLE   930 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   421,763 4,877 SH   SOLE   4,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,623,998 7,539 SH   SOLE   7,510 0 29
VANGUARD INDEX FDS SM CP VAL ETF 922908611   205,504 1,071 SH   SOLE   1,071 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   627,480 2,745 SH   SOLE   2,745 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,305,487 97,366 SH   SOLE   96,071 0 1,295
VANGUARD INDEX FDS VALUE ETF 922908744   900,616 5,530 SH   SOLE   5,530 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,076,914 35,412 SH   SOLE   32,357 0 3,055
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,257,039 30,094 SH   SOLE   28,299 0 1,795
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,600,040 14,480 SH   SOLE   14,480 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,080,189 18,449 SH   SOLE   18,449 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   316,899 6,948 SH   SOLE   6,948 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,033,362 17,137 SH   SOLE   17,125 0 12
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   975,958 19,453 SH   SOLE   19,453 0 0
VANGUARD WELLINGTON FD US QUALITY 921935706   290,977 2,125 SH   SOLE   2,125 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   443,205 10,563 SH   SOLE   10,563 0 0
VISA INC COM CL A 92826C839   33,714,996 120,808 SH   SOLE   114,364 0 6,444
WALMART INC COM 931142103   497,667 8,271 SH   SOLE   8,271 0 0
WASTE MGMT INC DEL COM 94106L109   1,255,028 5,888 SH   SOLE   5,888 0 0
WD 40 CO COM 929236107   346,022 1,366 SH   SOLE   1,366 0 0
WEBSTER FINL CORP COM 947890109   858,269 16,905 SH   SOLE   16,600 0 305
WELLS FARGO CO NEW COM 949746101   30,561,045 527,278 SH   SOLE   499,595 0 27,683
WHEATON PRECIOUS METALS CORP COM 962879102   865,740 18,369 SH   SOLE   18,369 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,144,349 22,755 SH   SOLE   22,755 0 0
YUM BRANDS INC COM 988498101   1,510,495 10,894 SH   SOLE   10,894 0 0
YUM CHINA HLDGS INC COM 98850P109   497,813 12,511 SH   SOLE   12,511 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   460,611 3,490 SH   SOLE   3,490 0 0