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
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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
ALPHABET INC CAP STK CL A 02079K305   215,120 1,181 SH   SOLE   1,181 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   20,196,519 330,603 SH   SOLE   330,603 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   19,153,821 213,484 SH   SOLE   213,484 0 0
APPLE INC COM 037833100   885,383 4,204 SH   SOLE   4,204 0 0
AVALONBAY CMNTYS INC COM 053484101   501,295 2,423 SH   SOLE   2,423 0 0
BROADSTONE NET LEASE INC COM 11135E203   2,763,793 174,152 SH   SOLE   174,152 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   449,838 8,672 SH   SOLE   8,672 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   260,973 6,646 SH   SOLE   6,646 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   41,842,802 1,307,996 SH   SOLE   1,307,996 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   993,305 30,810 SH   SOLE   30,810 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   37,080,510 1,408,834 SH   SOLE   1,408,834 0 0
EATON CORP PLC SHS G29183103   384,413 1,226 SH   SOLE   1,226 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   12,104,376 197,397 SH   SOLE   197,397 0 0
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782   20,988,141 364,478 SH   SOLE   364,478 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602   7,705,581 121,626 SH   SOLE   121,626 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   39,242,979 1,166,210 SH   SOLE   1,166,210 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   394,360 3,940 SH   SOLE   3,940 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   91,505,637 855,593 SH   SOLE   855,593 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   276,485 2,750 SH   SOLE   2,750 0 0
HOME DEPOT INC COM 437076102   267,322 777 SH   SOLE   777 0 0
INDEPENDENCE RLTY TR INC COM 45378A106   311,926 16,645 SH   SOLE   16,645 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   1,067,059 6,116 SH   SOLE   6,116 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,598,933 5,180 SH   SOLE   5,180 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   28,576,691 340,361 SH   SOLE   340,361 0 0
ISHARES TR NEW YORK MUN ETF 464288323   19,506,833 365,365 SH   SOLE   365,365 0 0
ISHARES TR INTRM GOV CR ETF 464288612   1,859,893 17,930 SH   SOLE   17,930 0 0
ISHARES TR MSCI USA MMENTM 46432F396   52,863,350 271,275 SH   SOLE   271,275 0 0
ISHARES TR MSCI ACWI EX US 464288240   845,171 15,908 SH   SOLE   15,908 0 0
ISHARES TR CORE S&P SCP ETF 464287804   419,072 3,929 SH   SOLE   3,929 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   15,576,289 369,106 SH   SOLE   369,106 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   12,442,562 453,446 SH   SOLE   453,446 0 0
ISHARES TR RESIDENTIAL MULT 464288562   1,981,648 25,739 SH   SOLE   25,739 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   27,540,112 238,504 SH   SOLE   238,504 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   664,465 3,275 SH   SOLE   3,275 0 0
ISHARES TR MSCI ACWI ETF 464288257   365,608 3,253 SH   SOLE   3,253 0 0
ISHARES TR S&P 100 ETF 464287101   425,523 1,610 SH   SOLE   1,610 0 0
ISHARES TR CORE S&P US VLU 464287663   12,393,632 140,629 SH   SOLE   140,629 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   201,832 1,930 SH   SOLE   1,930 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   1,497,123 22,160 SH   SOLE   22,160 0 0
MICROSOFT CORP COM 594918104   732,552 1,639 SH   SOLE   1,639 0 0
MID-AMER APT CMNTYS INC COM 59522J103   330,592 2,318 SH   SOLE   2,318 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   28,026,392 582,306 SH   SOLE   582,306 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   11,000,707 316,476 SH   SOLE   316,476 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   209,729 4,420 SH   SOLE   4,420 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   265,017 4,215 SH   SOLE   4,215 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,602,308 2,944 SH   SOLE   2,944 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   5,028,419 184,732 SH   SOLE   184,732 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   19,238,464 590,862 SH   SOLE   590,862 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   2,530,291 39,536 SH   SOLE   39,536 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   606,358 11,820 SH   SOLE   11,820 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   447,345 1,360 SH   SOLE   1,360 0 0
UNITEDHEALTH GROUP INC COM 91324P102   259,214 509 SH   SOLE   509 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   368,913 1,379 SH   SOLE   1,379 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,504,526 69,937 SH   SOLE   69,937 0 0