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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 330 2,344 SH   OTR   2,344 0 0
ALLSTATE CORP COM 020002101 577 4,902 SH   OTR   4,902 0 0
ALPHABET INC CAP STK CL A 02079K305 432 149 SH   OTR   149 0 0
ALPHABET INC CAP STK CL C 02079K107 353 122 SH   OTR   122 0 0
AMAZON COM INC COM 023135106 487 146 SH   OTR   146 0 0
APPLE INC COM 037833100 3,019 17,004 SH   OTR   15,977 0 1,027
AUTOMATIC DATA PROCESSING IN COM 053015103 329 1,334 SH   OTR   1,334 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,886 6,309 SH   OTR   6,309 0 0
BOEING CO COM 097023105 232 1,154 SH   OTR   1,154 0 0
BROADSTONE NET LEASE INC COM 11135E203 2,403 96,802 SH   OTR   96,802 0 0
CATERPILLAR INC COM 149123101 224 1,084 SH   OTR   1,084 0 0
CHEMUNG FINL CORP COM 164024101 412 8,870 SH   OTR   8,870 0 0
CONSTELLATION BRANDS INC CL A 21036p108 383 1,526 SH   OTR   1,526 0 0
DEERE & CO COM 244199105 206 600 SH   OTR   600 0 0
EMERSON ELEC CO COM 291011104 205 2,200 SH   OTR   2,200 0 0
EXXON MOBIL CORP COM 30231g102 891 14,564 SH   OTR   14,564 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 1,302 22,100 SH   OTR   22,100 0 0
GLOBAL X FDS S&P EX US ETF 37954Y368 376 11,850 SH   OTR   11,850 0 0
HOME DEPOT INC COM 437076102 267 643 SH   OTR   643 0 0
INTEL CORP COM 458140100 333 6,473 SH   OTR   6,473 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 561 6,939 SH   SOLE   6,939 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 11,487 253,585 SH   SOLE   253,585 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,292 23,975 SH   SOLE   23,975 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 12,641 119,387 SH   SOLE   117,624 0 1,763
ISHARES TR 1 3 YR TREAS BD 464287457 1,130 13,215 SH   SOLE   13,215 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,574 27,780 SH   SOLE   27,780 0 0
ISHARES TR MBS ETF 464288588 3,912 36,410 SH   SOLE   36,410 0 0
ISHARES TR SHORT TREAS BD 464288679 1,348 12,205 SH   SOLE   12,205 0 0
ISHARES TR CORE MSCI EAFE 46432F842 326,664 4,376,531 SH   SOLE   4,243,209 0 133,322
ISHARES INC CORE MSCI EMKT 46434G103 144,896 2,420,590 SH   SOLE   2,349,417 0 71,173
ISHARES TR CORE MSCI INTL 46435G326 597 8,843 SH   SOLE   8,843 0 0
ISHARES TR CORE S&P500 ETF 464287200 709,807 1,488,095 SH   SOLE   1,431,060 0 57,035
ISHARES TR CORE S&P MCP ETF 464287507 275,286 972,466 SH   SOLE   937,229 0 35,237
ISHARES TR CORE S&P SCP ETF 464287804 226,727 1,979,973 SH   SOLE   1,974,713 0 5,260
ISHARES TR CORE US AGGBD ET 464287226 6,586 57,733 SH   SOLE   56,458 0 1,275
ISHARES TR CORE S&P US GWT 464287671 278 2,400 SH   SOLE   2,400 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 6,982 272,220 SH   SOLE   266,720 0 5,500
ISHARES TR ESG AW MSCI EAFE 46435G516 9,968 125,445 SH   SOLE   118,095 0 7,350
ISHARES INC ESG AWR MSCI EM 46434G863 5,153 129,636 SH   SOLE   129,636 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 41,386 383,555 SH   SOLE   376,455 0 7,100
ISHARES TR ESG AWARE MSCI 46435U663 5,331 132,220 SH   SOLE   129,720 0 2,500
ISHARES TR ESG AWR US AGRGT 46435U549 26,485 479,805 SH   SOLE   459,405 0 20,400
ISHARES TR FLTG RATE NT ETF 46429B655 4,073 80,280 SH   SOLE   73,485 0 6,795
ISHARES GOLD TR ISHARES NEW 464285204 278 7,989 SH   SOLE   7,989 0 0
ISHARES TR IBOXX INV CP ETF 464287242 702 5,300 SH   SOLE   5,300 0 0
ISHARES TR JPMORGAN USD EMG 464288281 705 6,460 SH   SOLE   6,460 0 0
ISHARES TR MICRO-CAP ETF 464288869 15,152 108,441 SH   SOLE   100,958 0 7,483
ISHARES TR MSCI EAFE ETF 464287465 4,618 58,697 SH   SOLE   57,992 0 705
ISHARES TR EAFE SML CP ETF 464288273 10,940 149,673 SH   SOLE   144,259 0 5,414
ISHARES TR EAFE VALUE ETF 464288877 78,077 1,549,461 SH   SOLE   1,482,512 0 66,949
ISHARES TR MSCI EMG MKT ETF 464287234 230 4,703 SH   SOLE   4,703 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,439 17,798 SH   SOLE   17,798 0 0
ISHARES TR RUS 1000 ETF 464287622 579 2,189 SH   SOLE   2,189 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 879 3,000 SH   SOLE   3,000 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,229 5,525 SH   SOLE   5,525 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 560 3,375 SH   SOLE   3,375 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,648 14,300 SH   SOLE   14,300 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 617 5,040 SH   SOLE   5,040 0 0
ISHARES TR S&P MC 400GR ETF 464287606 2,162 25,353 SH   SOLE   25,353 0 0
ISHARES TR S&P MC 400VL ETF 464287705 35,442 320,221 SH   SOLE   307,009 0 13,212
ISHARES TR S&P 500 GRWT ETF 464287309 1,979 23,655 SH   SOLE   23,655 0 0
ISHARES TR S&P 500 VAL ETF 464287408 20,555 131,234 SH   SOLE   120,327 0 10,907
ISHARES TR S&P SML 600 GWT 464287887 1,875 13,506 SH   SOLE   13,506 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,608 15,390 SH   SOLE   15,390 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,758 40,918 SH   SOLE   39,180 0 1,738
ISHARES TR NEW YORK MUN ETF 464288323 7,180 123,877 SH   SOLE   107,862 0 16,015
ISHARES TR PFD AND INCM SEC 464288687 213 5,400 SH   SOLE   5,400 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 7,101 66,134 SH   SOLE   63,907 0 2,227
ISHARES TR TIPS BD ETF 464287176 11,600 89,780 SH   SOLE   80,865 0 8,915
JOHNSON & JOHNSON COM 478160104 995 5,818 SH   OTR   5,818 0 0
JPMORGAN CHASE & CO COM 46625h100 1,045 6,600 SH   OTR   6,600 0 0
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 369 9,600 SH   OTR   800 0 8,800
LOWES COS INC COM 548661107 1,672 6,470 SH   OTR   6,470 0 0
MCDONALDS CORP COM 580135101 251 938 SH   OTR   938 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 419 4,809 SH   OTR   4,809 0 0
MICROSOFT CORP COM 594918104 3,243 9,642 SH   OTR   9,642 0 0
ORACLE CORP COM 68389X105 429 4,923 SH   OTR   4,923 0 0
PAYCHEX INC COM 704326107 10,461 76,634 SH   OTR   76,634 0 0
PEPSICO INC COM 713448108 568 3,269 SH   OTR   3,269 0 0
PFIZER INC COM 717081103 251 4,250 SH   OTR   4,250 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 2,172 39,370 SH   SOLE   39,370 0 0
PROCTER AND GAMBLE CO COM 742718109 316 1,931 SH   OTR   1,931 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 698 23,579 SH   SOLE   23,579 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 326 10,507 SH   SOLE   10,507 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 906 27,871 SH   SOLE   26,271 0 1,600
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 854 15,206 SH   SOLE   15,206 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,811 46,602 SH   SOLE   45,422 0 1,180
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 546 13,341 SH   SOLE   13,341 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 84,284 1,657,498 SH   SOLE   1,626,446 0 31,052
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,789 70,291 SH   SOLE   69,981 0 310
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,816 42,310 SH   SOLE   42,308 0 2
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 630 8,607 SH   SOLE   8,607 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 901 11,199 SH   SOLE   11,197 0 2
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,522 28,887 SH   SOLE   13,687 0 15,200
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 420 4,101 SH   SOLE   4,101 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 125,806 2,000,420 SH   SOLE   1,945,717 0 54,703
SHERWIN WILLIAMS CO COM 824348106 423 1,200 SH   OTR   1,200 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 30,483 996,505 SH   SOLE   981,846 0 14,659
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 380 1,045 SH   SOLE   1,045 0 0
SPDR GOLD TR GOLD SHS 78463V107 303 1,770 SH   SOLE   1,770 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 987 19,087 SH   SOLE   19,078 0 9
SPDR SER TR NUVEEN BLMBRG SH 78468R739 289 5,884 SH   SOLE   5,884 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 281 9,493 SH   SOLE   8,493 0 1,000
SPDR SER TR PORTFLI MORTGAGE 78464A383 1,495 58,900 SH   SOLE   58,900 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 2,057 36,836 SH   SOLE   24,421 0 12,415
SPDR SER TR PRTFLO S&P500 VL 78464A508 136,801 3,257,163 SH   SOLE   3,159,259 0 97,904
SPDR SER TR PORTFLI TIPS ETF 78464A656 985 31,279 SH   SOLE   30,499 0 780
SPDR SER TR S&P 400 MDCP VAL 78464A839 48,626 683,912 SH   SOLE   660,643 0 23,269
SPDR S&P 500 ETF TR TR UNIT 78462F103 127,954 269,400 SH   SOLE   264,140 0 5,260
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,470 24,781 SH   SOLE   24,781 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796 1,198 10,175 SH   SOLE   860 0 9,315
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,372 36,314 SH   SOLE   35,814 0 500
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 910 1,758 SH   SOLE   1,758 0 0
TESLA INC COM 88160R101 206 195 SH   OTR   195 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 289 433 SH   OTR   433 0 0
TOMPKINS FINL CORP COM 890110109 317 3,796 SH   OTR   3,796 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 349 1,725 SH   OTR   1,725 0 0
UNITEDHEALTH GROUP INC COM 91324P102 228 455 SH   OTR   455 0 0
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 1,484 59,000 SH   SOLE   59,000 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 846 16,500 SH   SOLE   16,500 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 44,177 865,206 SH   SOLE   779,416 0 85,790
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 18,900 382,119 SH   SOLE   341,209 0 40,910
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 653 12,101 SH   SOLE   4,301 0 7,800
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 289 2,575 SH   SOLE   2,575 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,206 64,276 SH   SOLE   64,276 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,212 16,532 SH   SOLE   16,532 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 9,769 64,986 SH   SOLE   60,154 0 4,832
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 348 6,594 SH   SOLE   6,594 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 374 3,225 SH   SOLE   3,225 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 337 773 SH   SOLE   679 0 94
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,920 48,502 SH   SOLE   48,502 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 44,504 547,677 SH   SOLE   527,827 0 19,850
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 771 12,670 SH   SOLE   12,670 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 83,176 1,618,220 SH   SOLE   1,565,570 0 52,650
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,566 11,352 SH   SOLE   9,952 0 1,400
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,500 27,325 SH   SOLE   27,325 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 91,061 1,074,463 SH   SOLE   1,045,613 0 28,850
VANGUARD INDEX FDS TOTAL STK MKT 922908769 693 2,872 SH   SOLE   2,872 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 250 2,326 SH   SOLE   2,326 0 0
VISA INC COM CL A 92826C839 351 1,621 SH   OTR   1,621 0 0
DISNEY WALT CO COM 254687106 343 2,214 SH   OTR   2,214 0 0