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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Alnylam Pharmaceuticals Corp 02043Q107 310 2,126 SH   SOLE   126 0 2,000
Alphabet Inc Cap STK Class A 02079K305 5,394 2,475 SH   SOLE   2,468 0 7
Alphabet Inc Cap STK CL C Class C 02079K107 2,356 1,077 SH   SOLE   1,077 0 0
Amazon.Com Corp 023135106 1,574 14,820 SH   SOLE   11,480 0 3,340
Apple Corp 037833100 23,493 171,832 SH   SOLE   170,203 0 1,629
Archer Aviation Inc Corp 03945R102 88 28,501 SH   SOLE   28,501 0 0
Ascendas Real Esta Ordf Ord Y0205X103 25 12,000 SH   SOLE   12,000 0 0
Berkshire Hathaway 'B' Corp 084670702 425 1,558 SH   SOLE   1,058 0 500
Blackstone Group Inc CL A Class A 09260D107 209 2,292 SH   SOLE   2,292 0 0
Charles Schwab Corp 808513105 526 8,329 SH   SOLE   8,329 0 0
Coca Cola Corp 191216100 554 8,751 SH   SOLE   8,751 0 0
Cytodyn Inc Com Corp 23283M101 10 24,000 SH   SOLE   24,000 0 0
Dimensional ETF TR US Marketwide Value ETF ETF 25434V724 23,145 732,438 SH   SOLE   721,611 0 10,827
Dimensional International Value ETF ETF 25434V807 5,827 201,679 SH   SOLE   201,679 0 0
Dimensional U S Core Equity 2 ETF ETF 25434V708 101,823 4,370,095 SH   SOLE   4,344,914 0 25,181
Dimensional U S Small Cap ETF ETF 25434V500 9,994 208,203 SH   SOLE   208,203 0 0
Dimensional U S Targeted Value ETF ETF 25434V609 15,150 376,682 SH   SOLE   356,828 0 19,854
Dimensional World ex US Core Equity ETF ETF 25434V880 96,384 4,495,524 SH   SOLE   4,417,408 0 78,116
Eaton Vance Tax MG Cef ETF 27828N102 207 18,251 SH   SOLE   18,251 0 0
Endeavor Group HLDGS Corp 29260Y109 428 20,833 SH   SOLE   20,833 0 0
Facebook Class A Class A 30303M102 2,392 14,835 SH   SOLE   14,835 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407 328 8,265 SH   SOLE   8,265 0 0
Grom Social Corp 39878L100 11 44,387 SH   SOLE   44,387 0 0
Industrial Select Sector SPDR Fund ETF ETF 81369Y704 252 2,887 SH   SOLE   2,887 0 0
International Bus.MCHS. Corp 459200101 264 1,873 SH   SOLE   969 0 904
Intuit Inc Corp 461202103 2,934 7,611 SH   SOLE   7,611 0 0
Invesco QQQ TR Unit (ser 1) ETF 46090E103 211 753 SH   SOLE   753 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357 536 3,991 SH   SOLE   3,991 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282 209 884 SH   SOLE   884 0 0
iShares Core MSCI Emerging Market ETF ETF 46434G103 236 4,809 SH   SOLE   4,809 0 0
iShares Core S&P 500 ETF 464287200 286 754 SH   SOLE   754 0 0
iShares Core S&P Mid-Cap ETF 464287507 242 1,070 SH   SOLE   1,070 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556 494 4,200 SH   SOLE   4,200 0 0
iShares RS 2000 Value ETF 464287630 416 3,054 SH   SOLE   3,054 0 0
iShares Russell (1000 Growth Etf) ETF 464287614 1,905 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598 1,539 10,618 SH   SOLE   10,618 0 0
iShares Russell 2000 ETF 464287655 292 1,725 SH   SOLE   1,725 0 0
iShares Russell 2000 Growth ETF ETF 464287648 205 993 SH   SOLE   993 0 0
iShares S&P 100 ETF ETF 464287101 1,161 6,730 SH   SOLE   6,730 0 0
iShares S&P 500 ETF ETF 464287408 730 5,312 SH   SOLE   5,312 0 0
iShares S&P 500 Growth ETF ETF 464287309 378 6,256 SH   SOLE   6,256 0 0
iShares S&P Small Cap 600 ETF ETF 464287879 342 3,842 SH   SOLE   3,842 0 0
iShares TR U.S. PFD ETF 464288687 1,070 32,556 SH   SOLE   32,556 0 0
Johnson & Johnson Corp 478160104 814 4,588 SH   SOLE   4,588 0 0
Kayne Anderson Real Estate Debt Fund Fund 564992998 1,280 1,279,762 SH   SOLE   0 0 1,279,762
Korn Ferry Intl. Corp 500643200 390 6,717 SH   SOLE   6,717 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting Class B 535919500 94 10,698 SH   SOLE   10,698 0 0
Lockheed Martin Corp Corp 539830109 730 1,699 SH   SOLE   1,699 0 0
Microchip Technology Corp 595017104 697 12,000 SH   SOLE   12,000 0 0
Microsoft Corp 594918104 708 2,758 SH   SOLE   2,626 0 132
Nuveen California Closed End 670651108 156 12,050 SH   SOLE   12,050 0 0
Nvidia Corp 67066G104 1,382 9,115 SH   SOLE   9,112 0 3
Pathfinder Bancp Inc Corp 70319R109 793 39,778 SH   SOLE   39,778 0 0
Pfizer Corp 717081103 945 18,032 SH   SOLE   16,186 0 1,846
Phillips Edison & Co Inc Corp 71844V201 222 6,638 SH   SOLE   6,638 0 0
Proterra Inc Com Corp 74374T109 1,205 259,651 SH   SOLE   259,651 0 0
Schwab International Equity ETF ETF 808524805 489 15,563 SH   SOLE   15,563 0 0
Schwab U.S. Broad Market ETF ETF 808524102 266 6,026 SH   SOLE   6,026 0 0
Schwab US Large Cap Value ETF ETF 808524409 1,119 17,928 SH   SOLE   17,928 0 0
Sector SPDR TR SHS ETF 81369Y605 490 15,577 SH   SOLE   15,577 0 0
SPDR Dow Jones Indl ETF 78467X109 1,401 4,541 SH   SOLE   4,541 0 0
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848 1,181 49,665 SH   SOLE   49,665 0 0
SPDR S&P 500 ETF ETF 78462F103 683 1,803 SH   SOLE   1,803 0 0
SPDR S&P Midcap 400 ETF 78467Y107 346 835 SH   SOLE   835 0 0
Star Gas Partners MLP 85512C105 276 30,114 SH   SOLE   0 0 30,114
Target Corp 87612E106 393 2,782 SH   SOLE   2,782 0 0
Tesla Motors Corp 88160R101 473 702 SH   SOLE   92 0 610
Thermo Fisher Scientific Corp 883556102 3,959 7,283 SH   SOLE   7,283 0 0
Vanguard FTSE All-World ex-US ETF ETF 922042775 1,899 38,015 SH   SOLE   37,999 0 16
Vanguard FTSE Developed Markets ETF ETF 921943858 489 11,992 SH   SOLE   11,992 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858 396 9,520 SH   SOLE   9,520 0 0
Vanguard Group DIV (app Etf) ETF 921908844 1,662 11,583 SH   SOLE   11,583 0 0
Vanguard REIT Index ETF ETF 922908553 3,158 34,656 SH   SOLE   24,810 0 9,846
Vanguard S&P 500 ETF ETF 922908363 1,140 3,272 SH   SOLE   3,272 0 0
Vanguard S&P 500 Growth ETF ETF 921932505 425 1,955 SH   SOLE   1,955 0 0
Vanguard Small-Cap Value ETF ETF 922908611 4,555 30,404 SH   SOLE   28,326 0 2,078
Vanguard Total Market Index ETF ETF 922908769 5,581 29,586 SH   SOLE   29,516 0 70
Vitasoy Intl HLDGS Ordf ADR Y93794108 42 23,800 SH   SOLE   23,800 0 0
Walt Disney Corp 254687106 394 4,175 SH   SOLE   4,161 0 14