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 227 2,344 SH   OTR   2,344 0 0
ALLSTATE CORP COM 020002101 548 4,402 SH   OTR   4,402 0 0
ALPHABET INC CAP STK CL A 02079K305 324 3,387 SH   OTR   3,387 0 0
ALPHABET INC CAP STK CL C 02079K107 263 2,740 SH   OTR   2,740 0 0
AMAZON COM INC COM 023135106 667 5,903 SH   OTR   5,903 0 0
APPLE INC COM 037833100 2,378 17,205 SH   OTR   16,178 0 1,027
AUTOMATIC DATA PROCESSING IN COM 053015103 293 1,296 SH   OTR   1,296 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,098 7,857 SH   OTR   7,857 0 0
BROADSTONE NET LEASE INC COM 097023105 2,892 186,220 SH   OTR   186,220 0 0
CATERPILLAR INC COM 149123101 227 1,384 SH   OTR   1,384 0 0
CHEMUNG FINL CORP COM 164024101 371 8,870 SH   OTR   8,870 0 0
CIGNA CORP NEW COM 125523100 202 729 SH   OTR   729 0 0
CONSTELLATION BRANDS INC CL A 21036P108 404 1,761 SH   OTR   1,761 0 0
DEERE & CO COM 244199105 237 710 SH   OTR   710 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 373 14,465 SH   SOLE   14,465 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 600 32,487 SH   SOLE   32,192 0 295
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 1,030 50,158 SH   SOLE   49,941 0 217
DISNEY WALT CO COM 254687106 343 3,634 SH   OTR   3,634 0 0
EXXON MOBIL CORP COM 30231G102 1,258 14,414 SH   OTR   14,414 0 0
GLOBAL X FDS S&P EX US ETF 37954Y368 303 13,570 SH   SOLE   13,570 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 893 20,453 SH   SOLE   20,453 0 0
HOME DEPOT INC COM 437076102 216 783 SH   OTR   783 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 571 8,172 SH   SOLE   8,172 0 0
ISHARES GOLD TR ISHARES NEW 464285204 391 12,387 SH   SOLE   12,387 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 4,434 160,241 SH   SOLE   151,796 0 8,445
ISHARES INC MSCI EMRG CHN 46434G764 487 11,000 SH   SOLE   11,000 0 0
ISHARES INC CORE MSCI EMKT 46434G103 118,557 2,758,434 SH   SOLE   2,682,180 0 76,254
ISHARES TR CORE MSCI EAFE 46432F842 251,518 4,775,353 SH   SOLE   4,631,673 0 143,680
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,889 102,892 SH   SOLE   101,015 0 1,877
ISHARES TR FLTG RATE NT ETF 46429B655 4,706 93,616 SH   SOLE   86,981 0 6,635
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,468 98,920 SH   SOLE   98,920 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,435 99,990 SH   SOLE   99,990 0 0
ISHARES TR IBONDS MAR23 ETF 46432FAZ0 1,196 45,205 SH   SOLE   45,205 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 9,309 233,065 SH   SOLE   233,065 0 0
ISHARES TR ESG AWARE MSCI 46435U663 5,588 182,186 SH   SOLE   179,436 0 2,750
ISHARES TR ESG AWR US AGRGT 46435U549 25,138 541,300 SH   SOLE   520,995 0 20,305
ISHARES TR ESG AW MSCI EAFE 46435G516 8,211 146,293 SH   SOLE   140,733 0 5,560
ISHARES TR CORE MSCI INTL 46435G326 424 8,775 SH   SOLE   8,775 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,186 46,985 SH   SOLE   46,985 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 29,807 375,354 SH   SOLE   367,819 0 7,535
ISHARES TR ESG AWRE 1 5 YR 46435G243 6,616 281,670 SH   SOLE   276,545 0 5,125
ISHARES TR MBS ETF 464288588 3,390 37,015 SH   SOLE   37,015 0 0
ISHARES TR PFD AND INCM SEC 464288687 202 6,390 SH   SOLE   6,390 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,077 26,926 SH   SOLE   26,926 0 0
ISHARES TR MICRO-CAP ETF 464288869 15,631 151,187 SH   SOLE   142,663 0 8,524
ISHARES TR NATIONAL MUN ETF 464288414 8,386 81,753 SH   SOLE   80,196 0 1,557
ISHARES TR JPMORGAN USD EMG 464288281 570 7,180 SH   SOLE   7,180 0 0
ISHARES TR EAFE SML CP ETF 464288273 8,149 167,059 SH   SOLE   160,204 0 6,855
ISHARES TR SHRT NAT MUN ETF 464288158 7,067 68,837 SH   SOLE   66,628 0 2,209
ISHARES TR NEW YORK MUN ETF 464288323 8,435 166,730 SH   SOLE   149,090 0 17,640
ISHARES TR EAFE VALUE ETF 464288877 61,054 1,584,589 SH   SOLE   1,516,817 0 67,772
ISHARES TR SHORT TREAS BD 464288679 1,132 10,295 SH   SOLE   10,295 0 0
ISHARES TR USD INV GRDE ETF 464288620 252 5,240 SH   SOLE   4,300 0 940
ISHARES TR ISHS 1-5YR INVS 464288646 1,061 21,525 SH   SOLE   21,355 0 170
ISHARES TR 1 3 YR TREAS BD 464287457 1,014 12,490 SH   SOLE   12,490 0 0
ISHARES TR IBOXX INV CP ETF 464287242 543 5,300 SH   SOLE   5,300 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,135 42,925 SH   SOLE   40,184 0 2,741
ISHARES TR TIPS BD ETF 464287176 9,430 89,891 SH   SOLE   80,583 0 9,308
ISHARES TR MSCI EAFE ETF 464287465 3,249 58,012 SH   SOLE   57,307 0 705
ISHARES TR RUS MID CAP ETF 464287499 404 6,500 SH   SOLE   6,500 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,122 14,300 SH   SOLE   14,300 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 484 5,040 SH   SOLE   5,040 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 620 3,000 SH   SOLE   3,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 226,213 1,031,712 SH   SOLE   995,420 0 36,292
ISHARES TR S&P MC 400VL ETF 464287705 25,862 287,358 SH   SOLE   274,088 0 13,270
ISHARES TR S&P MC 400GR ETF 464287606 1,566 24,852 SH   SOLE   24,852 0 0
ISHARES TR CORE S&P SCP ETF 464287804 205,092 2,352,242 SH   SOLE   2,274,231 0 78,011
ISHARES TR SP SMCP600VL ETF 464287879 1,255 15,221 SH   SOLE   15,221 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,262 12,415 SH   SOLE   12,415 0 0
ISHARES TR S&P 500 VAL ETF 464287408 16,437 127,896 SH   SOLE   116,667 0 11,229
ISHARES TR CORE S&P500 ETF 464287200 536,283 1,495,283 SH   SOLE   1,438,388 0 56,895
ISHARES TR S&P 500 GRWT ETF 464287309 1,392 24,070 SH   SOLE   24,070 0 0
ISHARES TR RUS 1000 ETF 464287622 248 1,255 SH   SOLE   1,255 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,692 17,548 SH   SOLE   17,548 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,033 6,265 SH   SOLE   6,265 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 435 3,375 SH   SOLE   3,375 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 414 2,000 SH   SOLE   2,000 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 285 9,575 SH   SOLE   775 0 8,800
JOHNSON & JOHNSON COM 478160104 963 5,893 SH   OTR   5,893 0 0
JPMORGAN CHASE & CO COM 46625H100 848 8,118 SH   OTR   8,118 0 0
LOWES COS INC COM 548661107 1,172 6,240 SH   OTR   6,240 0 0
MCDONALDS CORP COM 580135101 228 986 SH   OTR   986 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 293 4,809 SH   OTR   4,809 0 0
MICROSOFT CORP COM 594918104 2,310 9,920 SH   OTR   9,920 0 0
ORACLE CORP COM 68389X105 301 4,923 SH   OTR   4,923 0 0
PAYCHEX INC COM 704326107 8,525 75,976 SH   OTR   75,976 0 0
PEPSICO INC COM 713448108 501 3,069 SH   OTR   3,069 0 0
PFIZER INC COM 717081103 250 5,716 SH   OTR   5,716 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,742 35,260 SH   SOLE   35,260 0 0
PROCTER AND GAMBLE CO COM 742718109 298 2,359 SH   OTR   2,359 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,119 39,768 SH   SOLE   39,393 0 375
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,367 79,499 SH   SOLE   74,794 0 4,705
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 305 8,072 SH   SOLE   7,494 0 578
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 682 11,658 SH   SOLE   11,496 0 162
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 56,270 1,165,972 SH   SOLE   1,146,800 0 19,172
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 676 13,760 SH   SOLE   13,760 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 106,526 2,056,482 SH   SOLE   2,002,704 0 53,778
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 368 13,243 SH   SOLE   12,788 0 455
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 478 21,361 SH   SOLE   21,361 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,123 46,859 SH   SOLE   46,549 0 310
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,110 59,365 SH   SOLE   28,925 0 30,440
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 921 15,213 SH   SOLE   14,971 0 242
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 212 9,063 SH   SOLE   8,708 0 355
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,076 42,786 SH   SOLE   40,502 0 2,284
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 283 2,379 SH   SOLE   2,379 0 0
SHERWIN WILLIAMS CO COM 824348106 246 1,200 SH   OTR   1,200 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 257 895 SH   SOLE   895 0 0
SPDR GOLD TR GOLD SHS 78463V107 274 1,770 SH   SOLE   1,770 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,043 22,886 SH   SOLE   22,886 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 967 37,105 SH   SOLE   36,605 0 500
SPDR S&P 500 ETF TR TR UNIT 78462F103 92,163 258,028 SH   SOLE   253,424 0 4,604
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 690 1,718 SH   SOLE   1,718 0 0
SPDR SER TR DJ REIT ETF 78464A607 822 9,750 SH   SOLE   9,750 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 38,923 673,181 SH   SOLE   650,061 0 23,120
SPDR SER TR PRTFLO S&P500 VL 78464A508 104,679 3,035,052 SH   SOLE   2,941,775 0 93,277
SPDR SER TR NUVEEN BLMBRG MU 78468R721 861 19,566 SH   SOLE   18,009 0 1,557
SPDR SER TR PORTFLI TIPS ETF 78464A656 902 35,563 SH   SOLE   34,783 0 780
SPDR SER TR PORTFOLIO S&P500 78464A854 1,498 35,677 SH   SOLE   23,262 0 12,415
SPDR SER TR PORTFOLIO AGRGTE 78464A649 236 9,448 SH   SOLE   9,448 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 1,763 82,200 SH   SOLE   82,200 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 25,962 856,823 SH   SOLE   840,706 0 16,117
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 1,178 64,677 SH   SOLE   63,961 0 716
SPDR SER TR SPDR S&P 500 ETF 78468R796 797 9,150 SH   SOLE   785 0 8,365
THERMO FISHER SCIENTIFIC INC COM 883556102 238 470 SH   OTR   470 0 0
TOMPKINS FINL CORP COM 890110109 276 3,796 SH   OTR   3,796 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 250 1,725 SH   OTR   1,725 0 0
UNITEDHEALTH GROUP INC COM 91324P102 230 455 SH   OTR   455 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 672 15,425 SH   SOLE   15,425 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,685 62,612 SH   SOLE   62,612 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 85,338 1,196,386 SH   SOLE   1,160,457 0 35,929
VANGUARD INDEX FDS LARGE CAP ETF 922908637 9,219 56,366 SH   SOLE   56,366 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,716 63,363 SH   SOLE   58,783 0 4,580
VANGUARD INDEX FDS MID CAP ETF 922908629 3,011 16,017 SH   SOLE   16,017 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 269 3,353 SH   SOLE   3,353 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,919 11,226 SH   SOLE   9,826 0 1,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769 498 2,774 SH   SOLE   2,774 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 303 922 SH   SOLE   810 0 112
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 517 13,561 SH   SOLE   5,761 0 7,800
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,181 416,028 SH   SOLE   382,720 0 33,308
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 81,986 1,704,136 SH   SOLE   1,654,499 0 49,637
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,323 89,800 SH   SOLE   89,800 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,176 7,195 SH   SOLE   7,195 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 634 10,970 SH   SOLE   10,970 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 32,938 443,425 SH   SOLE   429,228 0 14,197
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 33,745 928,085 SH   SOLE   842,940 0 85,145
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 244 2,575 SH   SOLE   2,575 0 0
VISA INC COM CL A 92826C839 328 1,846 SH   OTR   1,846 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 617 12,280 SH   SOLE   12,280 0 0