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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
ABBOTT LABS COM 002824100   267,379 2,435 SH   OTR   2,435 0 0
ABBVIE INC COM 00287Y109   202,336 1,252 SH   OTR   1,252 0 0
ALLSTATE CORP COM 020002101   596,911 4,402 SH   OTR   4,402 0 0
ALPHABET INC CAP STK CL A 02079K305   265,131 3,005 SH   OTR   3,005 0 0
ALPHABET INC CAP STK CL C 02079K107   216,501 2,440 SH   OTR   2,440 0 0
AMAZON COM INC COM 023135106   396,480 4,720 SH   OTR   4,720 0 0
APPLE INC COM 037833100   2,263,877 17,424 SH   OTR   16,397 0 1,027
AUTOMATIC DATA PROCESSING IN COM 053015103   307,174 1,286 SH   OTR   1,286 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,427,027 7,857 SH   OTR   7,857 0 0
BOEING CO COM 097023105   245,732 1,290 SH   OTR   1,290 0 0
BROADSTONE NET LEASE INC COM 11135E203   3,261,776 201,220 SH   OTR   201,220 0 0
CATERPILLAR INC COM 149123101   334,186 1,395 SH   OTR   1,395 0 0
CHEMUNG FINL CORP COM 164024101   606,126 13,214 SH   OTR   13,214 0 0
CIGNA CORP NEW COM 125523100   241,547 729 SH   OTR   729 0 0
CONSTELLATION BRANDS INC CL A 21036P108   408,044 1,761 SH   OTR   1,761 0 0
DEERE & CO COM 244199105   304,420 710 SH   SOLE   710 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   527,744 17,360 SH   SOLE   17,360 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,127,619 52,423 SH   SOLE   51,558 0 865
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   1,629,225 72,058 SH   OTR   71,841 0 217
DISNEY WALT CO COM 254687106   314,461 3,619 SH   OTR   3,619 0 0
EMERSON ELEC CO COM 291011104   211,332 2,200 SH   OTR   2,200 0 0
EVOQUA WATER TECHNOLOGIES CO COM 30057T105   639,896 16,159 SH   OTR   16,159 0 0
EXXON MOBIL CORP COM 30231G102   1,589,864 14,414 SH   OTR   14,414 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   1,369,900 29,448 SH   SOLE   29,448 0 0
GLOBAL X FDS S&P EX US ETF 37954Y368   349,915 13,570 SH   SOLE   13,570 0 0
HOME DEPOT INC COM 437076102   249,214 789 SH   OTR   789 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   792,688 10,165 SH   SOLE   10,165 0 0
ISHARES GOLD TR ISHARES NEW 464285204   657,625 19,012 SH   SOLE   19,012 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   4,843,525 161,075 SH   SOLE   152,380 0 8,695
ISHARES INC MSCI EMRG CHN 46434G764   522,170 11,000 SH   SOLE   0 0 11,000
ISHARES INC MSCI GBL MIN VOL 464286525   992,104 10,441 SH   SOLE   10,441 0 0
ISHARES INC CORE MSCI EMKT 46434G103   129,516,262 2,773,367 SH   SOLE   2,688,810 0 84,557
ISHARES TR CORE MSCI EAFE 46432F842   283,529,322 4,599,762 SH   SOLE   4,446,075 0 153,687
ISHARES TR FLTG RATE NT ETF 46429B655   2,023,669 40,208 SH   SOLE   40,018 0 190
ISHARES TR MSCI USA MIN VOL 46429B697   241,535 3,350 SH   SOLE   3,350 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   251,161 3,950 SH   SOLE   3,950 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8   2,475,968 98,920 SH   SOLE   98,920 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,197,556 89,990 SH   SOLE   89,990 0 0
ISHARES TR MSCI INTL MOMENT 46434V449   364,565 11,825 SH   SOLE   11,825 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   382,202 11,800 SH   SOLE   11,800 0 0
ISHARES TR IBONDS MAR23 ETF 46432FAZ0   1,198,159 45,205 SH   SOLE   45,205 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   9,514,899 232,695 SH   SOLE   232,695 0 0
ISHARES TR ESG AWARE MSCI 46435U663   5,885,388 178,996 SH   SOLE   175,486 0 3,510
ISHARES TR ESG AWR US AGRGT 46435U549   26,169,492 559,895 SH   SOLE   536,655 0 23,240
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,735,426 17,330 SH   SOLE   17,330 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   9,399,045 142,973 SH   SOLE   137,238 0 5,735
ISHARES TR CORE MSCI INTL 46435G326   491,225 8,775 SH   SOLE   8,775 0 0
ISHARES TR IBONDS DEC2023 46435G318   1,191,070 46,985 SH   SOLE   46,985 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   31,217,917 368,353 SH   SOLE   361,258 0 7,095
ISHARES TR ESG AWRE 1 5 YR 46435G243   6,659,047 280,145 SH   SOLE   277,645 0 2,500
ISHARES TR MBS ETF 464288588   3,356,159 36,185 SH   SOLE   36,185 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   3,062,508 26,656 SH   SOLE   26,656 0 0
ISHARES TR NATIONAL MUN ETF 464288414   11,424,439 108,268 SH   SOLE   94,036 0 14,232
ISHARES TR JPMORGAN USD EMG 464288281   644,914 7,624 SH   SOLE   7,624 0 0
ISHARES TR EAFE SML CP ETF 464288273   11,051,258 195,667 SH   SOLE   178,558 0 17,109
ISHARES TR NEW YORK MUN ETF 464288323   11,777,896 224,769 SH   SOLE   201,249 0 23,520
ISHARES TR SHRT NAT MUN ETF 464288158   8,742,310 83,843 SH   SOLE   78,564 0 5,279
ISHARES TR 0-5 YR TIPS ETF 46429B747   9,608,286 99,095 SH   SOLE   97,383 0 1,712
ISHARES TR MICRO-CAP ETF 464288869   17,837,630 165,424 SH   SOLE   154,951 0 10,473
ISHARES TR SHORT TREAS BD 464288679   1,138,661 10,359 SH   SOLE   10,359 0 0
ISHARES TR USD INV GRDE ETF 464288620   257,336 5,240 SH   SOLE   4,300 0 940
ISHARES TR ISHS 1-5YR INVS 464288646   2,581,174 51,810 SH   SOLE   51,640 0 170
ISHARES TR EAFE VALUE ETF 464288877   69,316,719 1,510,826 SH   SOLE   1,450,178 0 60,648
ISHARES TR 1 3 YR TREAS BD 464287457   1,014,219 12,495 SH   SOLE   12,495 0 0
ISHARES TR 20 YR TR BD ETF 464287432   856,216 8,600 SH   SOLE   8,600 0 0
ISHARES TR IBOXX INV CP ETF 464287242   558,779 5,300 SH   SOLE   5,300 0 0
ISHARES TR CORE US AGGBD ET 464287226   3,300,599 34,030 SH   SOLE   32,755 0 1,275
ISHARES TR TIPS BD ETF 464287176   3,363,737 31,602 SH   SOLE   30,818 0 784
ISHARES TR MSCI EAFE ETF 464287465   3,516,860 53,578 SH   SOLE   52,873 0 705
ISHARES TR RUS MID CAP ETF 464287499   438,425 6,500 SH   SOLE   6,500 0 0
ISHARES TR RUS MD CP GR ETF 464287481   1,195,480 14,300 SH   SOLE   11,834 0 2,466
ISHARES TR RUS MDCP VAL ETF 464287473   530,914 5,040 SH   SOLE   5,040 0 0
ISHARES TR GLOBAL 100 ETF 464287572   647,866 10,115 SH   SOLE   10,115 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   643,560 3,000 SH   SOLE   3,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507   235,538,103 973,741 SH   SOLE   937,779 0 35,962
ISHARES TR S&P MC 400VL ETF 464287705   25,559,119 253,563 SH   SOLE   240,898 0 12,665
ISHARES TR S&P MC 400GR ETF 464287606   1,676,902 24,552 SH   SOLE   21,686 0 2,866
ISHARES TR CORE S&P SCP ETF 464287804   229,299,979 2,422,865 SH   SOLE   2,337,566 0 85,299
ISHARES TR SP SMCP600VL ETF 464287879   1,397,465 15,305 SH   SOLE   15,305 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,341,689 12,415 SH   SOLE   9,882 0 2,533
ISHARES TR S&P 500 VAL ETF 464287408   17,011,420 117,264 SH   SOLE   106,050 0 11,214
ISHARES TR CORE S&P500 ETF 464287200   550,153,376 1,431,908 SH   SOLE   1,377,458 0 54,450
ISHARES TR S&P 500 GRWT ETF 464287309   1,329,237 22,722 SH   SOLE   22,722 0 0
ISHARES TR RUS 1000 ETF 464287622   247,361 1,175 SH   SOLE   1,175 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   3,743,416 17,473 SH   SOLE   6,140 0 11,333
ISHARES TR RUSSELL 2000 ETF 464287655   1,925,806 11,045 SH   SOLE   11,045 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   464,545 3,350 SH   SOLE   3,350 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   1,083,097 4,908 SH   SOLE   4,908 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   297,432 8,975 SH   SOLE   775 0 8,200
JOHNSON & JOHNSON COM 478160104   986,237 5,583 SH   OTR   5,583 0 0
JPMORGAN CHASE & CO COM 46625H100   1,020,903 7,613 SH   OTR   7,613 0 0
LOWES COS INC COM 548661107   1,242,660 6,237 SH   OTR   6,237 0 0
MCDONALDS CORP COM 580135101   262,739 997 SH   OTR   997 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   337,802 4,809 SH   OTR   4,809 0 0
MICROSOFT CORP COM 594918104   2,279,181 9,504 SH   OTR   9,504 0 0
ORACLE CORP COM 68389X105   410,580 5,023 SH   OTR   5,023 0 0
PAYCHEX INC COM 704326107   8,764,106 75,840 SH   OTR   75,840 0 0
PEPSICO INC COM 713448108   528,431 2,925 SH   OTR   2,925 0 0
PFIZER INC COM 717081103   286,944 5,600 SH   OTR   5,600 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   820,860 16,460 SH   OTR   16,460 0 0
PROCTER AND GAMBLE CO COM 742718109   359,349 2,371 SH   OTR   2,371 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,219,250 37,853 SH   SOLE   37,478 0 375
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,829,877 62,677 SH   SOLE   58,109 0 4,568
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   285,312 7,043 SH   SOLE   6,327 0 716
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,220,361 18,485 SH   SOLE   15,989 0 2,496
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   392,536 12,473 SH   SOLE   12,017 0 456
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   459,343 19,406 SH   SOLE   19,406 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,101,959 57,126 SH   SOLE   26,726 0 30,400
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,111,630 16,943 SH   SOLE   16,704 0 239
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   45,227,302 937,548 SH   SOLE   924,156 0 13,392
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   707,435 14,370 SH   SOLE   14,370 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   112,350,980 2,169,357 SH   SOLE   2,122,399 0 46,958
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   4,500,676 154,822 SH   SOLE   134,411 0 20,411
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,919,172 42,041 SH   SOLE   41,731 0 310
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   296,043 2,379 SH   SOLE   2,379 0 0
SHERWIN WILLIAMS CO COM 824348106   286,932 1,209 SH   OTR   1,209 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   300,516 907 SH   SOLE   907 0 0
SPDR GOLD TR GOLD SHS 78463V107   370,663 2,185 SH   SOLE   2,185 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   964,510 19,708 SH   SOLE   19,708 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,067,201 36,287 SH   SOLE   35,787 0 500
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   203,452 7,600 SH   SOLE   0 0 7,600
SPDR S&P 500 ETF TR TR UNIT 78462F103   94,774,864 247,823 SH   SOLE   243,324 0 4,499
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   729,718 1,648 SH   SOLE   1,648 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839   43,615,924 673,917 SH   SOLE   650,892 0 23,025
SPDR SER TR PRTFLO S&P500 VL 78464A508   113,001,466 2,905,669 SH   SOLE   2,817,590 0 88,079
SPDR SER TR NUVEEN BLMBRG MU 78468R721   923,075 20,234 SH   SOLE   15,596 0 4,638
SPDR SER TR PORTFOLIO S&P500 78464A854   1,610,914 35,814 SH   SOLE   23,549 0 12,265
SPDR SER TR PORT MTG BK ETF 78464A383   1,856,435 85,550 SH   SOLE   85,550 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   17,552,595 577,578 SH   SOLE   576,943 0 635
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   11,969,168 648,735 SH   SOLE   566,523 0 82,212
SPDR SER TR SPDR S&P 500 ETF 78468R796   860,687 9,220 SH   SOLE   855 0 8,365
THERMO FISHER SCIENTIFIC INC COM 883556102   240,101 436 SH   OTR   436 0 0
TOMPKINS FINL CORP COM 890110109   294,494 3,796 SH   OTR   3,796 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   292,477 1,740 SH   OTR   1,740 0 0
UNITEDHEALTH GROUP INC COM 91324P102   249,715 471 SH   OTR   471 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   713,797 15,650 SH   SOLE   15,650 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,669,298 48,742 SH   SOLE   48,742 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,243,002 16,725 SH   SOLE   16,725 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   91,488,508 1,273,504 SH   SOLE   1,232,621 0 40,883
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,687,371 55,611 SH   SOLE   55,611 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   784,388 5,588 SH   SOLE   5,588 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,652,132 17,919 SH   SOLE   17,919 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,026,642 6,465 SH   SOLE   6,465 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   303,032 3,674 SH   SOLE   3,674 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,537,851 13,827 SH   SOLE   12,427 0 1,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769   522,331 2,732 SH   SOLE   2,732 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   8,980,961 66,408 SH   SOLE   62,118 0 4,290
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   695,318 1,979 SH   SOLE   1,860 0 119
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   323,858 7,834 SH   SOLE   4,934 0 2,900
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   24,076,145 617,654 SH   SOLE   576,982 0 40,672
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   79,999,353 1,712,681 SH   SOLE   1,662,959 0 49,722
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,075,007 82,340 SH   SOLE   82,340 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   4,562,998 26,185 SH   SOLE   26,185 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   512,616 9,300 SH   SOLE   9,300 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   649,608 11,235 SH   SOLE   11,235 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   33,932,354 451,288 SH   SOLE   434,182 0 17,106
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   496,064 6,400 SH   SOLE   6,400 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   44,487,566 1,059,985 SH   SOLE   961,961 0 98,024
VANGUARD WELLINGTON FD US VALUE FACTR 921935805   224,474 2,275 SH   SOLE   2,275 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,069,656 9,885 SH   SOLE   9,885 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   452,488 2,362 SH   SOLE   2,362 0 0
VISA INC COM CL A 92826C839   338,649 1,630 SH   OTR   1,630 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   619,326 12,320 SH   SOLE   12,320 0 0