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
3M CO COM 88579Y101 BBG001S5T7X2 2,120,901 15,515 SH   SOLE   15,515 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 857,355 7,520 SH   SOLE   7,520 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 3,708,340 7,162 SH   SOLE   7,162 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 16,829,357 102,568 SH   SOLE   102,568 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 223,600 2,000 SH   SOLE   2,000 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 42,556,349 256,595 SH   SOLE   256,595 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 215,842 1,291 SH   SOLE   1,291 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 17,742,156 95,219 SH   SOLE   95,219 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 352,560 1,300 SH   SOLE   1,300 0 0
APPLE INC COM 037833100 BBG001S5N8V8 49,316,518 211,659 SH   SOLE   211,659 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 7,358,432 185,444 SH   SOLE   185,444 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 9,243,402 20,083 SH   SOLE   20,083 0 0
BOEING CO COM 097023105 BBG001S5P0V3 4,484,572 29,496 SH   SOLE   29,496 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 296,315 5,727 SH   SOLE   5,727 0 0
CANADIAN NATL RY CO COM 136375102 BBG001S8WVQ7 535,961 4,575 SH   SOLE   4,575 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 608,192 1,555 SH   SOLE   1,555 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 10,351,326 70,288 SH   SOLE   70,288 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 BBG001SP50B3 384,902 6,680 SH   SOLE   6,680 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 624,918 8,696 SH   SOLE   8,696 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 370,334 10,725 SH   SOLE   10,725 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 757,871 1,816 SH   SOLE   1,816 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 1,226,296 10,345 SH   SOLE   10,345 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 3,754,103 39,028 SH   SOLE   39,028 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 366,320 3,177 SH   SOLE   3,177 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 295,107 4,472 SH   SOLE   4,472 0 0
ENPHASE ENERGY INC COM 29355A107 BBG001V28NC6 3,330,134 29,465 SH   SOLE   29,465 0 0
EQUINIX INC COM 29444U700 BBG001SKBNS9 1,827,279 2,059 SH   SOLE   2,059 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,570,261 38,989 SH   SOLE   38,989 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 7,718,050 28,201 SH   SOLE   28,201 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 BBG00FZ4KG74 3,892,314 86,037 SH   SOLE   86,037 0 0
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 3,660,034 145,644 SH   SOLE   145,644 0 0
FORTINET INC COM 34959E109 BBG001S77BL6 4,402,281 56,767 SH   SOLE   56,767 0 0
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 1,144,920 6,071 SH   SOLE   6,071 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 2,161,835 23,035 SH   SOLE   23,035 0 0
GE VERNOVA INC COM 36828A101 BBG013G17W77 267,474 1,049 SH   SOLE   1,049 0 0
GRAYSCALE BITCOIN MINI TR BT SHS 389930108 BBG01NX636V7 356,886 63,390 SH   SOLE   63,390 0 0
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109 BBG008748J97 3,084,288 61,075 SH   SOLE   61,075 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,008,745 4,880 SH   SOLE   4,880 0 0
IDEX CORP COM 45167R104 BBG001S67N14 722,865 3,370 SH   SOLE   3,370 0 0
INTEL CORP COM 458140100 BBG001S5SF65 445,130 18,974 SH   SOLE   18,974 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 424,474 1,920 SH   SOLE   1,920 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 BBG001STKGB3 558,453 20,256 SH   SOLE   20,256 0 0
INVESCO EXCHANGE TRADED FD T DORSEY WRGT INDS 46137V845 BBG001SRNLL2 627,259 4,100 SH   SOLE   4,100 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 473,428 970 SH   SOLE   970 0 0
IONQ INC COM 46222L108 BBG00XZP0LC3 111,313 12,736 SH   SOLE   12,736 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 462,610 802 SH   SOLE   802 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 10,666,158 105,324 SH   SOLE   105,324 0 0
ISHARES TR GLOBAL 100 ETF 464287572 BBG001SGL748 4,276,675 43,129 SH   SOLE   43,129 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 BBG00RYR47N8 7,291,164 322,119 SH   SOLE   322,119 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825 BBG00RYR4R90 5,935,120 268,497 SH   SOLE   268,497 0 0
ISHARES TR IBONDS DEC 2031 46436E460 BBG011R6KC59 4,549,555 218,518 SH   SOLE   218,518 0 0
ISHARES TR IBONDS DEC 2033 46436E148 BBG01H7B1FH6 1,623,548 64,660 SH   SOLE   64,660 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 2,169,596 65,290 SH   SOLE   65,290 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,583,873 7,170 SH   SOLE   7,170 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 820,196 6,072 SH   SOLE   6,072 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 BBG018R2GN27 274,000 3,564 SH   SOLE   3,564 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 BBG012NLLCC9 964,894 15,060 SH   SOLE   15,060 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 5,026,126 104,190 SH   SOLE   104,190 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 13,240,689 222,495 SH   SOLE   222,495 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 4,820,712 87,761 SH   SOLE   87,761 0 0
J P MORGAN EXCHANGE TRADED F U S TECH LEADERS 46654Q732 BBG01J9W2923 6,345,177 92,401 SH   SOLE   92,401 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 8,502,563 52,466 SH   SOLE   52,466 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 13,425,777 63,672 SH   SOLE   63,672 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 22,023,405 81,312 SH   SOLE   81,312 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 11,434,655 23,156 SH   SOLE   23,156 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 318,863 1,047 SH   SOLE   1,047 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 272,203 2,397 SH   SOLE   2,397 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 5,290,596 9,242 SH   SOLE   9,242 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 40,269,269 93,584 SH   SOLE   93,584 0 0
NBT BANCORP INC COM 628778102 BBG001S6XCS0 268,211 6,064 SH   SOLE   6,064 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 2,324,278 3,277 SH   SOLE   3,277 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 4,068,852 48,135 SH   SOLE   48,135 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 5,501,027 62,229 SH   SOLE   62,229 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 335,475 1,350 SH   SOLE   1,350 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 20,456,783 168,452 SH   SOLE   168,452 0 0
OCCIDENTAL PETE CORP COM 674599105 BBG001S5TZG9 4,614,402 89,530 SH   SOLE   89,530 0 0
OLD REP INTL CORP COM 680223104 BBG001S6M9Y2 205,436 5,800 SH   SOLE   5,800 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 3,076,913 18,057 SH   SOLE   18,057 0 0
PACER FDS TR US CASH COWS 100 69374H881 BBG00FJQN752 4,594,941 79,456 SH   SOLE   79,456 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 9,664,188 259,790 SH   SOLE   259,790 0 0
PEPSICO INC COM 713448108 BBG001S695T1 587,141 3,453 SH   SOLE   3,453 0 0
PFIZER INC COM 717081103 BBG001S5V466 4,108,684 141,973 SH   SOLE   141,973 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 227,261 1,872 SH   SOLE   1,872 0 0
PIONEER BANCORP INC MD COM 723561106 BBG00PFB4RS9 186,490 17,000 SH   SOLE   17,000 0 0
PLUG POWER INC COM NEW 72919P202 BBG001S6GJB2 71,396 31,591 SH   SOLE   31,591 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 436,887 2,522 SH   SOLE   2,522 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 9,290,066 87,018 SH   SOLE   87,018 0 0
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 9,556,823 9,091 SH   SOLE   9,091 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 4,283,494 66,093 SH   SOLE   66,093 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 917,634 22,316 SH   SOLE   22,316 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 600,356 11,865 SH   SOLE   11,865 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 6,368,525 95,739 SH   SOLE   95,739 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,093,095 60,252 SH   SOLE   60,252 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 3,751,528 36,010 SH   SOLE   36,010 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 2,509,828 31,228 SH   SOLE   31,228 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 3,160,853 46,586 SH   SOLE   46,586 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 1,724,533 20,755 SH   SOLE   20,755 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 323,832 6,288 SH   SOLE   6,288 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 8,042,509 91,600 SH   SOLE   91,600 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 3,340,889 73,718 SH   SOLE   73,718 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 1,081,648 7,986 SH   SOLE   7,986 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 440,814 2,200 SH   SOLE   2,200 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,467,601 16,021 SH   SOLE   16,021 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 2,760,504 12,228 SH   SOLE   12,228 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 361,749 4,011 SH   SOLE   4,011 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 747,230 1,766 SH   SOLE   1,766 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,571,430 6,225 SH   SOLE   6,225 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 635,851 1,116 SH   SOLE   1,116 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 6,027,986 65,657 SH   SOLE   65,657 0 0
SPDR SER TR GLB DOW ETF 78464A706 BBG001SG4257 5,453,154 39,556 SH   SOLE   39,556 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 315,932 2,224 SH   SOLE   2,224 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 2,134,641 21,896 SH   SOLE   21,896 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 2,576,271 9,847 SH   SOLE   9,847 0 0
TILRAY BRANDS INC COM 88688T100 BBG00L7XTPY9 35,457 20,146 SH   SOLE   20,146 0 0
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 6,473,982 86,136 SH   SOLE   86,136 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 3,503,403 5,992 SH   SOLE   5,992 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,339,581 17,093 SH   SOLE   17,093 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 2,279,984 30,355 SH   SOLE   30,355 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 637,264 12,674 SH   SOLE   12,674 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 238,804 622 SH   SOLE   622 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 335,483 636 SH   SOLE   636 0 0
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 BBG01KG1P4G1 7,469,802 94,173 SH   SOLE   94,173 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 1,769,484 29,286 SH   SOLE   29,286 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 8,845,882 105,622 SH   SOLE   105,622 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 3,427,831 43,161 SH   SOLE   43,161 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 207,010 1,045 SH   SOLE   1,045 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 848,882 11,562 SH   SOLE   11,562 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 12,289,739 26,425 SH   SOLE   26,425 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 10,309,427 37,496 SH   SOLE   37,496 0 0