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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DFA Emerging Markets Core Equity 2 ETF ETF 25434V732   14,100,413 553,174 SH   SOLE   543,625 0 9,549
DFA US Small Cap Value ETF ETF 25434V815   1,421,448 47,224 SH   SOLE   47,221 0 3
Vanguard REIT Index ETF ETF 922908553   4,168,209 48,199 SH   SOLE   39,965 0 8,234
DFA US Core Equity 2 ETF ETF 25434V708   204,440,462 6,398,762 SH   SOLE   6,260,308 0 138,454
DFA World ex US Core Equity 2 ETF ETF 25434V880   131,406,832 5,165,363 SH   SOLE   5,110,029 0 55,334
DFA US Core Equity 1 ETF ETF 25434V625   18,146,838 309,409 SH   SOLE   304,814 0 4,595
DFA US Large Cap Value ETF ETF 25434V666   7,693,185 256,525 SH   SOLE   256,525 0 0
DFA US Targeted Value ETF ETF 25434V609   35,892,407 659,423 SH   SOLE   627,213 0 32,210
Amazon.Com COM 023135106   2,895,099 16,050 SH   SOLE   15,350 0 700
Apple COM 037833100   20,426,420 119,118 SH   SOLE   118,978 0 140
Alphabet Inc Cap STK COM 02079K305   8,133,014 53,886 SH   SOLE   53,886 0 0
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   5,820,333 113,501 SH   SOLE   110,616 0 2,885
Vanguard FTSE Developed Markets ETF ETF 921943858   751,078 14,971 SH   SOLE   14,971 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   510,682 12,226 SH   SOLE   12,226 0 0
DFA Intl Value ETF ETF 25434V807   7,180,381 195,385 SH   SOLE   190,689 0 4,696
AT&T COM 00206R102   613,659 34,867 SH   SOLE   34,867 0 0
iShares RS 2000 Value ETF 464287630   485,194 3,055 SH   SOLE   3,055 0 0
iShares Russell (1000 Growth Etf) ETF 464287614   2,936,599 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598   2,333,757 13,030 SH   SOLE   13,030 0 0
iShares Russell 2000 Growth ETF ETF 464287648   268,985 993 SH   SOLE   993 0 0
DFA International Small Cap Value ETF ETF 25434V781   19,071,140 701,403 SH   SOLE   689,422 0 11,981
Star Gas Partners UNIT LTD PARTNR 85512C105   301,742 30,114 SH   SOLE   0 0 30,114
Alphabet Inc Cap STK CL C COM 02079K107   5,953,518 39,101 SH   SOLE   39,101 0 0
Chevron COM 166764100   484,189 3,070 SH   SOLE   3,070 0 0
DFA US Marketwide Value ETF ETF 25434V724   23,910,987 584,621 SH   SOLE   573,794 0 10,827
Vanguard FTSE All-World ex-US ETF ETF 922042775   1,909,937 32,565 SH   SOLE   32,549 0 16
Vanguard Group DIV (app Etf) ETF 921908844   1,234,027 6,758 SH   SOLE   6,758 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   625,922 3,696 SH   SOLE   3,696 0 0
Berkshire Hathaway 'B' COM 084670702   1,024,387 2,436 SH   SOLE   1,936 0 500
Coca Cola COM 191216100   749,476 12,154 SH   SOLE   12,154 0 0
Microsoft COM 594918104   9,298,132 22,101 SH   SOLE   22,012 0 89
Walt Disney COM 254687106   1,061,410 8,674 SH   SOLE   8,660 0 14
Kimberly-Clark COM 494368103   9,399,343 71,987 SH   SOLE   71,987 0 0
Abbvie Inc Com COM 00287Y109   1,147,994 6,304 SH   SOLE   6,304 0 0
Home Depot COM 437076102   338,074 881 SH   SOLE   881 0 0
Nvidia COM 67066G104   9,088,928 10,059 SH   SOLE   10,059 0 0
Thermo Fisher Scientific COM 883556102   5,020,967 8,633 SH   SOLE   8,633 0 0
Visa 'a' COM CL A 92826C839   840,641 3,012 SH   SOLE   3,012 0 0
Wal Mart Stores COM 931142103   418,531 6,932 SH   SOLE   6,932 0 0
iShares Edge MSCI ETF 46432F339   422,380 2,570 SH   SOLE   2,570 0 0
iShares Russell 2000 ETF 464287655   940,526 4,472 SH   SOLE   4,472 0 0
Pacer FDS TR US Cash (cows 100) ETF 69374H881   590,979 10,170 SH   SOLE   10,170 0 0
SPDR S&P 500 ETF ETF 78462F103   3,047,734 5,809 SH   SOLE   5,809 0 0
Vanguard Mid-Cap ETF ETF 922908629   1,106,013 4,427 SH   SOLE   4,427 0 0
Vanguard Total Market Index ETF ETF 922908769   11,382,940 43,797 SH   SOLE   43,797 0 0
DFA Intl Core Equity 2 ETF ETF 25434V799   1,138,353 42,555 SH   SOLE   42,555 0 0
Industrial Select Sector SPDR Fund ETF ETF 81369Y704   363,647 2,887 SH   SOLE   2,887 0 0
iShares Core S&P 500 ETF 464287200   755,474 1,437 SH   SOLE   1,437 0 0
iShares S&P 500 ETF ETF 464287408   992,814 5,315 SH   SOLE   5,315 0 0
iShares S&P 500 Growth ETF ETF 464287309   528,257 6,256 SH   SOLE   6,256 0 0
Sector SPDR TR SHS ETF 81369Y605   604,206 14,345 SH   SOLE   14,345 0 0
Vanguard S&P 500 Growth ETF ETF 921932505   595,708 1,955 SH   SOLE   1,955 0 0
Altria Group COM 02209S103   1,223,333 27,429 SH   SOLE   27,429 0 0
BHP Billiton LTD Sponsored ADS 088606108   1,104,475 19,145 SH   SOLE   19,145 0 0
Blackstone Group Inc CL A COM 09260D107   700,801 5,335 SH   SOLE   5,335 0 0
BP PLC ADR (CNV Into SPONSORED ADR 055622104   1,553,677 41,233 SH   SOLE   41,233 0 0
Brookfield Renewable C F Class A CL A LMT VTG SHS 11284V105   245,700 10,000 SH   SOLE   10,000 0 0
Comerica Incorporate COM 200340107   557,000 10,000 SH   SOLE   10,000 0 0
Firstenergy Corp COM 337932107   656,810 17,007 SH   SOLE   17,007 0 0
Ford Motor COM 345370860   458,372 34,516 SH   SOLE   34,516 0 0
General Mills Inc COM 370334104   958,589 13,700 SH   SOLE   13,700 0 0
Gilead Sciences COM 375558103   2,683,514 36,635 SH   SOLE   36,635 0 0
Waste Man. COM 94106L109   3,192,380 14,977 SH   SOLE   14,977 0 0
Aflac COM 001055102   686,880 8,000 SH   SOLE   8,000 0 0
Agnc Invt Corp Com COM 00123Q104   200,400 20,000 SH   SOLE   20,000 0 0
Arbor Realty TR REIT COM 038923108   267,597 20,196 SH   SOLE   20,196 0 0
Archer-Danls.-Midl. COM 039483102   210,037 3,344 SH   SOLE   3,344 0 0
Ares Cap. COM 04010L103   453,855 21,799 SH   SOLE   21,799 0 0
Astrazeneca PLC F COM 046353108   887,292 13,097 SH   SOLE   13,097 0 0
Atmos Energy COM 049560105   1,158,983 9,750 SH   SOLE   9,750 0 0
Banco De Chile Spon ADR Sponsored ADS 059520106   942,455 39,423 SH   SOLE   39,423 0 0
Bank Montreal Quebec F BIG OIL 3X LEV 063671101   603,565 6,179 SH   SOLE   6,179 0 0
Bank Of America COM 060505104   877,090 23,130 SH   SOLE   23,130 0 0
Bank Of NY Mellon Co COM 064058100   921,920 16,000 SH   SOLE   16,000 0 0
Bristol Myers Squibb COM 110122108   479,936 8,850 SH   SOLE   8,850 0 0
Carlyle Group Inc COM 14316J108   336,579 7,175 SH   SOLE   7,175 0 0
Cisco Systems COM 17275R102   1,116,001 22,360 SH   SOLE   22,308 0 52
Conagra Foods COM 205887102   513,365 17,320 SH   SOLE   17,320 0 0
Eagle Bulk Shipping COM Y2187A150   332,091 5,316 SH   SOLE   5,316 0 0
Emerson Electric COM 291011104   1,361,040 12,000 SH   SOLE   12,000 0 0
Entergy Corp New COM 29364G103   2,233,018 21,130 SH   SOLE   21,130 0 0
First Trust Dow Jones ETF 33733E302   307,635 1,500 SH   SOLE   1,500 0 0
Gladstone Inv. COM 376546107   142,300 10,000 SH   SOLE   10,000 0 0
GSK PLC Spon Ads Sponsored ADR 37733W204   867,315 20,042 SH   SOLE   20,042 0 0
H&e Equipment SVCS Inc COM 404030108   641,800 10,000 SH   SOLE   10,000 0 0
Intel COM 458140100   465,437 10,537 SH   SOLE   10,503 0 34
International Bus.MCHS. COM 459200101   2,551,864 13,363 SH   SOLE   13,363 0 0
Johnson & Johnson COM 478160104   819,582 5,181 SH   SOLE   5,181 0 0
JP Morgan Chase & Co. COM 46625H100   1,166,390 5,823 SH   SOLE   5,823 0 0
Merck & Co. COM 58933Y105   1,378,032 10,383 SH   SOLE   10,383 0 0
Mondelez International CL.A CL A 609207105   415,508 5,900 SH   SOLE   5,900 0 0
Novartis AG ADR COM 66987V109   502,348 5,000 SH   SOLE   5,000 0 0
Old Republic Intl. COM 680223104   952,320 31,000 SH   SOLE   31,000 0 0
Procter & Gamble COM 742718109   1,408,492 8,681 SH   SOLE   8,681 0 0
Starwood Property Trust COM 85571B105   624,300 30,000 SH   SOLE   30,000 0 0
Turkcell Iletisim Sponsored ADR 900111204   207,600 40,000 SH   SOLE   40,000 0 0
Wells Fargo & Co COM 949746101   260,820 4,500 SH   SOLE   4,500 0 0
Whitestone REIT Com COM 966084204   376,500 30,000 SH   SOLE   30,000 0 0
Invesco QQQ TR Unit (ser 1) ETF 46090E103   407,465 917 SH   SOLE   917 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556   577,703 4,210 SH   SOLE   4,210 0 0
Vanguard S&P 500 ETF ETF 922908363   2,395,918 4,984 SH   SOLE   4,984 0 0
Intuit Inc COM 461202103   4,234,100 6,514 SH   SOLE   6,514 0 0
Meta Platforms, Inc COM 30303M102   4,930,179 10,153 SH   SOLE   10,153 0 0
Microchip Technology COM 595017104   1,076,520 12,000 SH   SOLE   12,000 0 0
Pfizer COM 717081103   850,177 30,637 SH   SOLE   28,791 0 1,846
SPDR Dow Jones Indl ETF 78467X109   2,209,300 5,541 SH   SOLE   5,541 0 0
Korn Ferry Intl. COM 500643200   273,480 4,138 SH   SOLE   4,138 0 0
Vanguard Small-Cap Value ETF ETF 922908611   6,083,700 31,706 SH   SOLE   29,797 0 1,909
DFA Inflation Protected Securities ETF ETF 25434V856   664,331 16,105 SH   SOLE   16,105 0 0
iShares Gold ETF ETF 464285204   219,796 5,232 SH   SOLE   5,232 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   394,804 3,842 SH   SOLE   3,842 0 0
Schwab US Large Cap Value ETF ETF 808524409   1,362,169 17,928 SH   SOLE   17,928 0 0
Schwab International Equity ETF ETF 808524805   625,411 16,028 SH   SOLE   16,028 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407   351,354 8,555 SH   SOLE   8,555 0 0
Target COM 87612E106   500,044 2,822 SH   SOLE   2,822 0 0
Netflix COM 64110L106   266,011 438 SH   SOLE   288 0 150
Tesla Motors COM 88160R101   540,027 3,072 SH   SOLE   1,272 0 1,800
Vanguard Small-Cap ETF ETF 922908751   282,437 1,236 SH   SOLE   1,236 0 0
Pathfinder Bancorp, Inc. COM 70319R109   372,266 29,663 SH   SOLE   29,663 0 0
Schwab U.S. Broad Market ETF ETF 808524102   658,485 10,786 SH   SOLE   10,786 0 0
Alnylam Pharmaceuticals COM 02043Q107   317,731 2,126 SH   SOLE   2,126 0 0
Exxon Mobil COM 30231G102   247,591 2,130 SH   SOLE   2,130 0 0
DFA US Small Cap ETF ETF 25434V500   9,838,000 157,812 SH   SOLE   157,812 0 0
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848   1,410,486 49,665 SH   SOLE   49,665 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting COM 535919500   99,598 10,698 SH   SOLE   10,698 0 0
Brown-Forman 'B' CL A 115637209   259,189 5,000 SH   SOLE   5,000 0 0
Church & Dwight Co. COM 171340102   312,930 3,000 SH   SOLE   3,000 0 0
Deere & Co COM 244199105   783,199 1,900 SH   SOLE   1,900 0 0
Starbucks COM 855244109   237,614 2,600 SH   SOLE   2,600 0 0
Lockheed Martin Corp COM 539830109   520,483 1,144 SH   SOLE   1,144 0 0
Nike 'B' COM 654106103   310,506 3,291 SH   SOLE   3,291 0 0
Pepsico COM 713448108   462,722 2,625 SH   SOLE   2,625 0 0
Phillips Edison & Co Inc COM 71844V201   238,752 6,638 SH   SOLE   6,638 0 0
iShares TR U.S. PFD ETF 464288687   874,045 27,119 SH   SOLE   27,119 0 0
Charles Schwab COM 808513105   420,874 5,818 SH   SOLE   5,818 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282   311,080 8,840 SH   SOLE   8,840 0 0
Eaton Vance Tax MG Cef ETF 27828N102   244,115 18,272 SH   SOLE   18,272 0 0
Siren ETF TR Divcon Leaders Divid ETF ETF 829658301   264,320 4,000 SH   SOLE   4,000 0 0
Ardelyx Inc Com COM 039697107   365,000 50,000 SH   SOLE   50,000 0 0
Asml Holding N V N Y N Y REGISTRY SHS N07059210   4,052,683 4,176 SH   SOLE   4,176 0 0
3M COM 88579Y101   491,422 4,633 SH   SOLE   4,633 0 0
Blackstone MTG Trust Inc CL A COM CL A 09257W100   205,300 10,000 SH   SOLE   10,000 0 0
Citigroup COM 172967424   632,400 10,000 SH   SOLE   10,000 0 0
Dte Energy Company COM 233331107   367,770 3,250 SH   SOLE   3,250 0 0
Eli Lilly COM 532457108   506,452 651 SH   SOLE   651 0 0
Oge Energy Corp COM 670837103   343,000 10,000 SH   SOLE   10,000 0 0
Xerox Holdings Corp COM 98421M106   907,917 50,023 SH   SOLE   50,023 0 0
Vanguard Large-Cap ETF ETF 922908637   262,058 1,093 SH   SOLE   1,093 0 0
SPDR S&P Midcap 400 ETF 78467Y107   465,441 835 SH   SOLE   835 0 0
Union Pacific COM 907818108   316,020 1,285 SH   SOLE   1,285 0 0
Nikola Corp COM 654110105   31,928 30,700 SH   SOLE   30,700 0 0
iShares S&P 100 ETF ETF 464287101   1,692,996 6,843 SH   SOLE   6,843 0 0
Archer Aviation Inc COM 03945R102   131,675 28,501 SH   SOLE   28,501 0 0
Getaround Inc Com COM 37427G101   14,391 46,876 SH   SOLE   46,876 0 0