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   22,391,619 795,439 SH   SOLE   738,428 0 57,011
DFA US Small Cap Value ETF ETF 25434V815   1,721,617 55,897 SH   SOLE   55,894 0 3
Vanguard REIT Index ETF ETF 922908553   3,981,116 40,527 SH   SOLE   32,293 0 8,234
DFA US Core Equity 2 ETF ETF 25434V708   229,762,460 6,700,568 SH   SOLE   6,572,952 0 127,616
DFA World ex US Core Equity 2 ETF ETF 25434V880   152,152,156 5,633,179 SH   SOLE   5,554,402 0 78,777
DFA US Core Equity 1 ETF ETF 25434V625   29,141,404 460,079 SH   SOLE   451,644 0 8,435
DFA US Large Cap Value ETF ETF 25434V666   9,114,830 295,840 SH   SOLE   295,840 0 0
DFA US Small Cap ETF ETF 25434V500   10,938,963 168,655 SH   SOLE   168,655 0 0
DFA US Targeted Value ETF ETF 25434V609   44,995,891 808,842 SH   SOLE   766,316 0 42,526
Amazon.Com COM 023135106   3,076,308 16,510 SH   SOLE   15,810 0 700
Apple COM 037833100   22,712,738 97,480 SH   SOLE   97,323 0 157
Alphabet Inc Cap STK COM 02079K305   8,675,779 52,311 SH   SOLE   52,311 0 0
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   16,927,032 321,440 SH   SOLE   312,887 0 8,553
Vanguard FTSE Developed Markets ETF ETF 921943858   790,830 14,975 SH   SOLE   11,595 0 3,380
Vanguard FTSE Emerging Markets ETF ETF 922042858   608,028 12,707 SH   SOLE   9,531 0 3,176
DFA Intl Value ETF ETF 25434V807   10,682,327 280,523 SH   SOLE   280,523 0 0
iShares RS 2000 Value ETF 464287630   509,666 3,055 SH   SOLE   3,055 0 0
iShares Russell (1000 Growth Etf) ETF 464287614   3,270,555 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598   2,473,045 13,030 SH   SOLE   10,618 0 2,412
iShares Russell 2000 Growth ETF ETF 464287648   282,096 993 SH   SOLE   993 0 0
DFA International Small Cap Value ETF ETF 25434V781   23,877,678 821,668 SH   SOLE   806,647 0 15,021
Star Gas Partners UNIT LTD PARTNR 85512C105   353,538 30,114 SH   SOLE   0 0 30,114
Alphabet Inc Cap STK CL C COM 02079K107   6,468,780 38,691 SH   SOLE   38,691 0 0
DFA US Marketwide Value ETF ETF 25434V724   27,048,179 648,793 SH   SOLE   637,966 0 10,827
Vanguard FTSE All-World ex-US ETF ETF 922042775   2,051,595 32,565 SH   SOLE   32,549 0 16
Vanguard Group DIV (app Etf) ETF 921908844   1,344,945 6,762 SH   SOLE   6,762 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   441,556 2,465 SH   SOLE   2,465 0 0
iShares Core S&P Mid-Cap ETF 464287507   201,376 3,231 SH   SOLE   3,231 0 0
Berkshire Hathaway 'B' COM 084670702   845,037 1,836 SH   SOLE   1,336 0 500
Coca Cola COM 191216100   633,308 8,754 SH   SOLE   8,754 0 0
Microsoft COM 594918104   10,974,379 25,504 SH   SOLE   25,415 0 89
Walt Disney COM 254687106   1,077,188 11,199 SH   SOLE   11,184 0 15
Kimberly-Clark COM 494368103   9,915,560 69,095 SH   SOLE   69,095 0 0
Nvidia COM 67066G104   15,252,771 125,590 SH   SOLE   125,590 0 0
Thermo Fisher Scientific COM 883556102   5,343,501 8,633 SH   SOLE   8,633 0 0
Unitedhealth GP. COM 91324P102   649,719 1,111 SH   SOLE   1,111 0 0
DFA US Real Estate ETF ETF 25434V823   783,124 30,543 SH   SOLE   30,543 0 0
iShares Edge MSCI ETF 46432F339   1,347,440 7,515 SH   SOLE   7,515 0 0
iShares Russell 2000 ETF 464287655   987,888 4,472 SH   SOLE   4,472 0 0
Pacer FDS TR US Cash (cows 100) ETF 69374H881   590,652 10,170 SH   SOLE   10,170 0 0
SPDR S&P 500 ETF ETF 78462F103   3,382,773 5,878 SH   SOLE   5,878 0 0
Vanguard Mid-Cap ETF ETF 922908629   1,843,647 6,988 SH   SOLE   6,988 0 0
Vanguard Total Market Index ETF ETF 922908769   10,506,581 36,991 SH   SOLE   36,991 0 0
Avanos Med Inc Com COM 05350V106   237,945 9,902 SH   SOLE   9,902 0 0
DFA Inflation Protected Securities ETF ETF 25434V856   4,228,052 100,001 SH   SOLE   100,001 0 0
DFA Intl Core Equity 2 ETF ETF 25434V799   1,501,110 53,344 SH   SOLE   53,344 0 0
Industrial Select Sector SPDR Fund ETF ETF 81369Y704   391,015 2,887 SH   SOLE   2,887 0 0
iShares Core S&P 500 ETF 464287200   2,790,078 4,837 SH   SOLE   4,837 0 0
iShares S&P 500 ETF ETF 464287408   1,047,873 5,315 SH   SOLE   5,315 0 0
iShares S&P 500 Growth ETF ETF 464287309   599,012 6,256 SH   SOLE   6,256 0 0
Sector SPDR TR SHS ETF 81369Y605   650,110 14,345 SH   SOLE   14,345 0 0
Vanguard S&P 500 Growth ETF ETF 921932505   676,061 1,955 SH   SOLE   1,955 0 0
Vanguard Sector (index FDS Vanguard Information Technology Vipers) ETF 92204A702   431,179 734 SH   SOLE   734 0 0
Invesco QQQ TR Unit (ser 1) ETF 46090E103   448,190 917 SH   SOLE   917 0 0
Vanguard S&P 500 ETF ETF 922908363   2,638,194 4,984 SH   SOLE   4,984 0 0
Vanguard Small-Cap ETF ETF 922908751   303,951 1,278 SH   SOLE   1,278 0 0
Waste Man. COM 94106L109   2,792,044 13,449 SH   SOLE   13,449 0 0
Intuit Inc COM 461202103   4,045,194 6,514 SH   SOLE   6,514 0 0
Meta Platforms, Inc COM 30303M102   5,812,274 10,154 SH   SOLE   10,154 0 0
Microchip Technology COM 595017104   963,480 12,000 SH   SOLE   12,000 0 0
Pfizer COM 717081103   515,856 17,825 SH   SOLE   15,979 0 1,846
SPDR Dow Jones Indl ETF 78467X109   1,927,204 4,541 SH   SOLE   4,541 0 0
Korn Ferry Intl. COM 500643200   312,874 4,138 SH   SOLE   4,138 0 0
Vanguard Small-Cap Value ETF ETF 922908611   6,365,881 31,706 SH   SOLE   27,381 0 4,325
International Bus.MCHS. COM 459200101   644,728 2,916 SH   SOLE   2,916 0 0
iShares Gold ETF ETF 464285204   260,030 5,232 SH   SOLE   5,232 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556   611,520 4,200 SH   SOLE   4,200 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   413,630 3,842 SH   SOLE   3,842 0 0
Schwab US Large Cap Value ETF ETF 808524409   1,440,873 17,928 SH   SOLE   17,928 0 0
Schwab International Equity ETF ETF 808524805   659,070 16,028 SH   SOLE   16,028 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407   352,894 8,555 SH   SOLE   8,555 0 0
Target COM 87612E106   439,892 2,822 SH   SOLE   2,822 0 0
Netflix COM 64110L106   243,280 343 SH   SOLE   193 0 150
Tesla Motors COM 88160R101   1,043,119 3,987 SH   SOLE   2,187 0 1,800
Pathfinder Bancorp, Inc. COM 70319R109   474,614 29,719 SH   SOLE   29,719 0 0
Schwab U.S. Broad Market ETF ETF 808524102   717,485 10,786 SH   SOLE   10,786 0 0
Alnylam Pharmaceuticals COM 02043Q107   584,714 2,126 SH   SOLE   2,126 0 0
Exxon Mobil COM 30231G102   249,679 2,130 SH   SOLE   2,130 0 0
Johnson & Johnson COM 478160104   664,284 4,099 SH   SOLE   4,099 0 0
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848   1,511,803 49,665 SH   SOLE   49,665 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting COM 535919500   74,030 10,698 SH   SOLE   10,698 0 0
Blackstone Group Inc CL A COM 09260D107   357,491 2,335 SH   SOLE   2,335 0 0
Costco Wholesale COM 22160K105   236,756 267 SH   SOLE   70 0 197
Caterpillar COM 149123101   1,234,766 3,157 SH   SOLE   3,157 0 0
Deere & Co COM 244199105   1,453,655 3,471 SH   SOLE   3,471 0 0
Fastenal COM 311900104   1,242,708 17,400 SH   SOLE   17,400 0 0
Honeywell Intl. COM 438516106   350,167 1,694 SH   SOLE   1,694 0 0
Phillips Edison & Co Inc COM 71844V201   250,999 6,638 SH   SOLE   6,638 0 0
iShares TR U.S. PFD ETF 464288687   901,164 27,119 SH   SOLE   27,119 0 0
Charles Schwab COM 808513105   377,065 5,818 SH   SOLE   5,818 0 0
Life 360, Inc COM 532206109   2,551,218 64,834 SH   SOLE   64,834 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282   333,268 8,840 SH   SOLE   8,840 0 0
First Trust Dow Jones ETF 33733E302   233,013 1,100 SH   SOLE   1,100 0 0
Vanguard Health Care ETF ETF 92204A504   708,417 2,500 SH   SOLE   2,500 0 0
Dimensional Emerging Markts Valu ETF ETF 25434V740   987,135 34,685 SH   SOLE   34,685 0 0
Eaton Vance Tax MG Cef ETF 27828N102   267,783 18,279 SH   SOLE   18,279 0 0
Siren ETF TR Divcon Leaders Divid ETF ETF 829658301   277,116 4,000 SH   SOLE   4,000 0 0
Asml Holding N V N Y N Y REGISTRY SHS N07059210   2,564,744 3,078 SH   SOLE   3,078 0 0
Ishs MSCI Intl Quality Fact ETF ETF 46434V456   586,295 14,131 SH   SOLE   14,131 0 0
Technology Select Sector SPDR ETF ETF 81369Y803   400,272 1,773 SH   SOLE   1,773 0 0
Lockheed Martin Corp COM 539830109   529,129 905 SH   SOLE   905 0 0
Vanguard Large-Cap ETF ETF 922908637   288,649 1,093 SH   SOLE   1,093 0 0
SPDR S&P Midcap 400 ETF 78467Y107   477,043 835 SH   SOLE   835 0 0
NRG Energy Inc COM 629377508   383,186 4,206 SH   SOLE   4,206 0 0
Associated Banc-Corp COM 045487105   200,133 9,291 SH   SOLE   9,291 0 0
iShares S&P 100 ETF ETF 464287101   1,900,773 6,868 SH   SOLE   6,868 0 0
Archer Aviation Inc COM 03945R102   86,358 28,501 SH   SOLE   28,501 0 0