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

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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
DFA Emerging Markets Core Equity 2 ETF ETF 25434V732   11,445,096 490,995 SH   SOLE   489,870 0 1,125
DFA US Small Cap Value ETF ETF 25434V815   1,122,035 44,279 SH   SOLE   44,276 0 3
DFA US Core Equity 2 ETF ETF 25434V708   153,319,559 5,851,892 SH   SOLE   5,759,297 0 92,595
DFA World ex US Core Equity 2 ETF ETF 25434V880   106,298,859 4,720,198 SH   SOLE   4,600,318 0 119,880
DFA US Marketwide Value ETF ETF 25434V724   24,356,253 715,939 SH   SOLE   705,112 0 10,827
DFA US Small Cap ETF ETF 25434V500   10,620,781 202,339 SH   SOLE   202,339 0 0
DFA US Targeted Value ETF ETF 25434V609   27,677,619 605,770 SH   SOLE   584,615 0 21,155
Amazon.Com COM 023135106   2,573,163 20,242 SH   SOLE   19,542 0 700
Apple COM 037833100   23,513,969 137,340 SH   SOLE   137,200 0 140
Alphabet Inc Cap STK COM 02079K305   7,176,886 54,844 SH   SOLE   54,844 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   502,616 11,496 SH   SOLE   11,496 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   375,023 9,564 SH   SOLE   9,564 0 0
Vanguard REIT Index ETF ETF 922908553   2,702,129 35,380 SH   SOLE   34,350 0 1,030
DFA Intl Value ETF ETF 25434V807   6,414,248 196,635 SH   SOLE   196,635 0 0
iShares RS 2000 Value ETF 464287630   416,933 3,055 SH   SOLE   3,055 0 0
iShares Russell (1000 Growth Etf) ETF 464287614   2,321,955 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598   1,622,450 10,618 SH   SOLE   10,618 0 0
iShares Russell 2000 Growth ETF ETF 464287648   223,099 993 SH   SOLE   993 0 0
DFA International Small Cap Value ETF ETF 25434V781   14,048,618 590,775 SH   SOLE   589,506 0 1,269
Star Gas Partners UNIT LTD PARTNR 85512C105   362,271 30,114 SH   SOLE   0 0 30,114
Vanguard Small-Cap Value ETF ETF 922908611   4,849,777 30,408 SH   SOLE   28,420 0 1,988
Alphabet Inc Cap STK CL C COM 02079K107   4,663,666 35,371 SH   SOLE   35,371 0 0
Chevron COM 166764100   1,589,882 9,429 SH   SOLE   9,429 0 0
Vanguard FTSE All-World ex-US ETF ETF 922042775   1,689,147 32,565 SH   SOLE   32,549 0 16
Vanguard Group DIV (app Etf) ETF 921908844   1,421,496 9,103 SH   SOLE   9,103 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   565,427 3,991 SH   SOLE   3,991 0 0
iShares Core S&P Mid-Cap ETF 464287507   280,112 1,118 SH   SOLE   1,118 0 0
Berkshire Hathaway 'B' COM 084670702   3,602,836 10,285 SH   SOLE   9,785 0 500
Comcast 'a' CL A 20030N101   576,339 12,998 SH   SOLE   12,998 0 0
Meta Platforms, Inc COM 30303M102   3,541,878 11,798 SH   SOLE   11,798 0 0
Coca Cola COM 191216100   539,228 9,554 SH   SOLE   9,554 0 0
Microsoft COM 594918104   4,032,162 12,770 SH   SOLE   12,681 0 89
Walt Disney COM 254687106   338,256 4,173 SH   SOLE   4,159 0 14
Danaher Corp COM 235851102   1,677,420 6,761 SH   SOLE   6,761 0 0
Devon Energy Corp New Com COM 25179M103   221,321 4,640 SH   SOLE   4,640 0 0
Home Depot COM 437076102   266,276 881 SH   SOLE   881 0 0
Nvidia COM 67066G104   2,689,114 6,182 SH   SOLE   6,182 0 0
Thermo Fisher Scientific COM 883556102   3,688,994 7,283 SH   SOLE   7,283 0 0
Visa 'a' COM CL A 92826C839   1,037,838 4,512 SH   SOLE   4,512 0 0
Sector SPDR TR SHS ETF 81369Y605   516,685 15,577 SH   SOLE   15,577 0 0
Vanguard Total Market Index ETF ETF 922908769   6,681,896 31,458 SH   SOLE   31,458 0 0
DFA Intl Core Equity 2 ETF ETF 25434V799   280,147 11,998 SH   SOLE   11,998 0 0
Industrial Select Sector SPDR Fund ETF ETF 81369Y704   292,684 2,887 SH   SOLE   2,887 0 0
iShares Core S&P 500 ETF 464287200   619,946 1,437 SH   SOLE   1,437 0 0
iShares S&P 500 ETF ETF 464287408   821,910 5,314 SH   SOLE   5,314 0 0
iShares S&P 500 Growth ETF ETF 464287309   429,429 6,256 SH   SOLE   6,256 0 0
Vanguard S&P 500 Growth ETF ETF 921932505   484,041 1,955 SH   SOLE   1,955 0 0
Invesco QQQ TR Unit (ser 1) ETF 46090E103   597,764 1,666 SH   SOLE   1,666 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556   515,489 4,210 SH   SOLE   4,210 0 0
JP Morgan Chase & Co. COM 46625H100   2,471,089 17,040 SH   SOLE   17,040 0 0
Vanguard S&P 500 ETF ETF 922908363   6,049,291 15,346 SH   SOLE   15,346 0 0
Intuit Inc COM 461202103   3,888,764 7,611 SH   SOLE   7,611 0 0
Microchip Technology COM 595017104   936,600 12,000 SH   SOLE   12,000 0 0
Pfizer COM 717081103   632,950 19,082 SH   SOLE   17,236 0 1,846
SPDR Dow Jones Indl ETF 78467X109   2,029,128 6,041 SH   SOLE   6,041 0 0
Korn Ferry Intl. COM 500643200   319,864 6,717 SH   SOLE   6,717 0 0
Corteva Inc Com COM 22052L104   215,281 4,208 SH   SOLE   4,208 0 0
Dow Inc Com COM 260557103   214,129 4,153 SH   SOLE   4,153 0 0
DuPont De Nemours COM 26614N102   305,073 4,090 SH   SOLE   4,090 0 0
International Bus.MCHS. COM 459200101   329,872 2,351 SH   SOLE   2,351 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   344,793 3,842 SH   SOLE   3,842 0 0
Schwab US Large Cap Value ETF ETF 808524409   1,155,639 17,928 SH   SOLE   17,928 0 0
SPDR S&P 500 ETF ETF 78462F103   1,582,778 3,689 SH   SOLE   3,689 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407   334,237 8,265 SH   SOLE   8,265 0 0
Tesla Motors COM 88160R101   821,222 3,282 SH   SOLE   1,482 0 1,800
Target COM 87612E106   311,938 2,821 SH   SOLE   2,821 0 0
Vanguard Small-Cap ETF ETF 922908751   318,689 1,686 SH   SOLE   1,686 0 0
Pathfinder Bancorp, Inc. COM 70319R109   415,736 29,611 SH   SOLE   29,611 0 0
Schwab U.S. Broad Market ETF ETF 808524102   300,396 6,026 SH   SOLE   6,026 0 0
Alnylam Pharmaceuticals COM 02043Q107   376,515 2,126 SH   SOLE   2,126 0 0
Discover Financial S COM 254709108   286,745 3,310 SH   SOLE   3,310 0 0
Exxon Mobil COM 30231G102   250,445 2,130 SH   SOLE   2,130 0 0
Johnson & Johnson COM 478160104   1,030,754 6,618 SH   SOLE   6,618 0 0
Morgan Stanley COM 617446448   540,655 6,620 SH   SOLE   6,620 0 0
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848   1,236,162 49,665 SH   SOLE   49,665 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting COM 535919500   84,193 10,698 SH   SOLE   10,698 0 0
Blackstone Group Inc CL A COM 09260D107   250,124 2,335 SH   SOLE   2,335 0 0
Brown-Forman 'B' CL A 115637209   434,216 7,500 SH   SOLE   7,500 0 0
Church & Dwight Co. COM 171340102   412,335 4,500 SH   SOLE   4,500 0 0
Deere & Co COM 244199105   1,363,428 3,600 SH   SOLE   3,600 0 0
iShares MSCI India Index ETF 46429B598   205,014 4,636 SH   SOLE   4,636 0 0
Mondelez International CL.A CL A 609207105   3,058,335 43,800 SH   SOLE   43,800 0 0
Starbucks COM 855244109   903,573 9,900 SH   SOLE   9,900 0 0
The Hershey Company COM 427866108   210,084 1,050 SH   SOLE   1,050 0 0
CSX COM 126408103   830,250 27,000 SH   SOLE   27,000 0 0
Emerson Electric COM 291011104   289,710 3,000 SH   SOLE   3,000 0 0
Lockheed Martin Corp COM 539830109   870,947 2,130 SH   SOLE   2,130 0 0
Nike 'B' COM 654106103   1,107,474 11,541 SH   SOLE   11,541 0 0
Pepsico COM 713448108   614,220 3,625 SH   SOLE   3,625 0 0
Archer-Danls.-Midl. COM 039483102   478,653 6,347 SH   SOLE   6,347 0 0
BP PLC ADR (CNV Into SPONSORED ADR 055622104   1,163,492 30,049 SH   SOLE   30,049 0 0
Bristol Myers Squibb COM 110122108   3,083,665 53,130 SH   SOLE   53,130 0 0
Brookfield CL A LTD VT SH 11271J107   211,073 6,750 SH   SOLE   6,750 0 0
Constellation Brands 'a' CL A 21036P108   1,130,985 4,500 SH   SOLE   4,500 0 0
Envista HLDGS Corp COM 29415F104   418,200 15,000 SH   SOLE   15,000 0 0
Ferrari N V COM N3167Y103   443,310 1,500 SH   SOLE   1,500 0 0
General Mills Inc COM 370334104   748,683 11,700 SH   SOLE   11,700 0 0
Honeywell Intl. COM 438516106   1,110,657 6,012 SH   SOLE   6,012 0 0
Markel COM 570535104   662,621 450 SH   SOLE   450 0 0
Paypal HLDGS Inc Com COM 70450Y103   328,838 5,625 SH   SOLE   5,625 0 0
Procter & Gamble COM 742718109   3,817,302 26,171 SH   SOLE   26,171 0 0
SPDR S&P Dividend ETF IV ETF 78464A763   862,575 7,500 SH   SOLE   7,500 0 0
Textron COM 883203101   769,094 9,840 SH   SOLE   9,840 0 0
Wec Energy Group Inc Com COM 92939U106   236,092 2,931 SH   SOLE   2,931 0 0
Zimmer HDG. COM 98956P102   856,270 7,614 SH   SOLE   7,614 0 0
Schwab International Equity ETF ETF 808524805   528,901 15,574 SH   SOLE   15,574 0 0
Cisco Systems COM 17275R102   210,444 3,915 SH   SOLE   3,863 0 52
Phillips Edison & Co Inc COM 71844V201   223,286 6,638 SH   SOLE   6,638 0 0
iShares TR U.S. PFD ETF 464288687   981,563 32,556 SH   SOLE   32,556 0 0
Charles Schwab COM 808513105   428,989 7,814 SH   SOLE   7,814 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282   248,846 8,840 SH   SOLE   8,840 0 0
Eaton Vance Tax MG Cef ETF 27828N102   210,792 18,266 SH   SOLE   18,266 0 0
Siren ETF TR Divcon Leaders Divid ETF ETF 829658301   219,181 4,000 SH   SOLE   4,000 0 0
iShares Russell 2000 ETF 464287655   255,221 1,437 SH   SOLE   1,437 0 0
Vanguard Large-Cap ETF ETF 922908637   213,889 1,093 SH   SOLE   1,093 0 0
SPDR S&P Midcap 400 ETF 78467Y107   382,593 835 SH   SOLE   835 0 0
Union Pacific COM 907818108   261,665 1,285 SH   SOLE   1,285 0 0
iShares MSCI Europe Financials ETF ETF 464289180   455,273 24,076 SH   SOLE   24,076 0 0
Mawson COM 57778N307   47,614 86,650 SH   SOLE   86,650 0 0
Grom Social COM 39878L100   10,653 44,387 SH   SOLE   44,387 0 0
Nikola Corp COM 654110105   48,199 30,700 SH   SOLE   30,700 0 0
iShares S&P 100 ETF ETF 464287101   1,369,055 6,799 SH   SOLE   6,799 0 0
Archer Aviation Inc COM 03945R102   144,215 28,501 SH   SOLE   28,501 0 0
Getaround Inc Com COM 37427G101   16,360 46,876 SH   SOLE   46,876 0 0
ProShares Ultra Euro ETF 74347W874   163,929 15,105 SH   SOLE   0 0 15,105