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
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108   167,637 14,402 SH   SOLE   0 0 14,402
BLACKROCK ENHANCED EQUITY DI COM 09251A104   9,993,832 1,281,260 SH   SOLE   0 0 1,281,260
LISATA THERAPEUTICS INC COM 128058302   33,481 12,175 SH   SOLE   0 0 12,175
IQVIA HLDGS INC COM 46266C105   204,578 961 SH   SOLE   0 0 961
COCA COLA CO COM 191216100   212,076 3,600 SH   SOLE   0 0 3,600
CATERPILLAR INC COM 149123101   235,160 809 SH   SOLE   0 0 809
DUKE ENERGY CORP NEW COM NEW 26441C204   237,768 2,515 SH   SOLE   0 0 2,515
VISA INC COM CL A 92826C839   260,784 960 SH   SOLE   0 0 960
ADVANCED MICRO DEVICES INC COM 007903107   279,380 1,567 SH   SOLE   0 0 1,567
INTERNATIONAL BUSINESS MACHS COM 459200101   281,335 1,618 SH   SOLE   0 0 1,618
EXXON MOBIL CORP COM 30231G102   286,944 2,881 SH   SOLE   0 0 2,881
ALPHABET INC CAP STK CL C 02079K107   325,808 2,167 SH   SOLE   0 0 2,167
NBT BANCORP INC COM 628778102   410,668 10,827 SH   SOLE   0 0 10,827
BOEING CO COM 097023105   439,400 2,052 SH   SOLE   0 0 2,052
PROCTER AND GAMBLE CO COM 742718109   508,537 3,343 SH   SOLE   0 0 3,343
JPMORGAN CHASE & CO COM 46625H100   562,650 3,300 SH   SOLE   0 0 3,300
GSK PLC SPONSORED ADR 37733W204   592,905 15,191 SH   SOLE   0 0 15,191
AMAZON COM INC COM 023135106   613,675 3,912 SH   SOLE   0 0 3,912
SIMULATIONS PLUS INC COM 829214105   616,211 15,624 SH   SOLE   0 0 15,624
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   714,768 1,898 SH   SOLE   0 0 1,898
ALPHABET INC CAP STK CL A 02079K305   848,928 5,709 SH   SOLE   0 0 5,709
FIRST CTZNS BANCSHARES INC N CL A 31946M103   1,190,146 836 SH   SOLE   0 0 836
JOHNSON & JOHNSON COM 478160104   1,241,319 7,809 SH   SOLE   0 0 7,809
NVIDIA CORPORATION COM 67066G104   1,540,186 2,510 SH   SOLE   0 0 2,510
APPLE INC COM 037833100   1,588,453 8,167 SH   SOLE   0 0 8,167
MICROSOFT CORP COM 594918104   3,069,117 7,624 SH   SOLE   0 0 7,624
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   223,983 5,087 SH   SOLE   0 0 5,087
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   224,993 14,591 SH   SOLE   0 0 14,591
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   235,374 5,877 SH   SOLE   0 0 5,877
ISHARES TR ESG AWARE MSCI 46435U663   457,135 12,335 SH   SOLE   0 0 12,335
VANGUARD STAR FDS VG TL INTL STK F 921909768   508,353 8,942 SH   DFND 1 0 8,942 8,942
ISHARES TR HIGH YLD BD FCTR 46435G250   540,358 11,691 SH   SOLE   0 0 11,691
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   558,286 11,485 SH   DFND 1 0 1,252 11,485
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   710,701 15,086 SH   SOLE   0 0 15,086
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   904,164 29,635 SH   SOLE   0 0 29,635
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   908,162 28,780 SH   SOLE   0 0 28,780
ISHARES TR EAFE GRWTH ETF 464288885   965,132 10,043 SH   SOLE   0 0 10,043
ISHARES INC CORE MSCI EMKT 46434G103   1,094,806 22,407 SH   SOLE   0 0 22,407
ISHARES TR ESG AWR MSCI USA 46435G425   1,522,791 14,249 SH   SOLE   0 0 14,249
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,009,050 8,337 SH   DFND 1 0 3,157 8,337
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   2,096,502 45,057 SH   SOLE   0 0 45,057
VANGUARD INDEX FDS MID CAP ETF 922908629   8,590,288 37,532 SH   SOLE   0 0 37,532
ISHARES TR NATIONAL MUN ETF 464288414   10,407,506 96,805 SH   SOLE   0 0 96,805
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   10,660,832 209,200 SH   SOLE   0 0 209,200
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   10,973,096 619,599 SH   SOLE   0 0 619,599
ISHARES TR MSCI INTL QUALTY 46434V456   13,685,458 370,077 SH   SOLE   0 0 370,077
ISHARES TR MSCI USA QLT FCT 46432F339   14,184,621 93,770 SH   SOLE   0 0 93,770
ISHARES TR US TREAS BD ETF 46429B267   17,829,533 785,442 SH   SOLE   0 0 785,442
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   30,518,562 68,429 SH   SOLE   0 0 68,429
WASTE MGMT INC DEL COM 94106L109   305,843 1,664 SH   SOLE   0 0 1,664
THERMO FISHER SCIENTIFIC INC COM 883556102   255,415 473 SH   SOLE   0 0 473
SPDR GOLD TR GOLD SHS 78463V107   348,754 1,871 SH   SOLE   0 0 1,871
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   592,803 14,111 SH   SOLE   0 0 14,111