Securities ▲▼ | Shares | Value ($K) | |||||
|---|---|---|---|---|---|---|---|
Q3 2025 ▲▼ | Q4 2025 ▲▼ | Change ▲▼ | Q3 2025 ▲▼ | Q4 2025 ▲▼ | Weight (%) ▲▼ | Change ▲▼ | |
| ISHARES TR INTL EQTY FACTOR | 8,598,454 | 8,690,116 | +91,662 | 308,770 | 352,297 | 16.25% | +43,527 |
| VANGUARD SCOTTSDALE FDS SHORT TERM TREAS | 0 | 533,529 | +533,529 | 0 | 31,345 | 1.45% | +31,345 |
| ISHARES TR US SML CAP EQT | 3,745,097 | 3,810,840 | +65,743 | 278,448 | 302,962 | 13.98% | +24,514 |
| VANGUARD SCOTTSDALE FDS INTER TERM TREAS | 2,333,044 | 2,653,141 | +320,097 | 140,053 | 158,923 | 7.33% | +18,870 |
| ISHARES INC EMNG MKTS EQT | 1,873,012 | 1,888,930 | +15,918 | 105,975 | 120,060 | 5.54% | +14,085 |
| ISHARES TR U S EQUITY FACTR | 3,808,047 | 3,912,625 | +104,578 | 263,060 | 272,788 | 12.58% | +9,728 |
| VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD | 1,056,698 | 1,166,674 | +109,976 | 84,462 | 93,182 | 4.30% | +8,720 |
| DIMENSIONAL ETF TRUST INTERNATNAL VAL | 851,030 | 843,698 | -7,332 | 39,250 | 45,998 | 2.12% | +6,749 |
| VANGUARD WELLINGTON FD | 280,279 | 284,153 | +3,874 | 53,700 | 58,496 | 2.70% | +4,796 |
| ISHARES INC | 350,890 | 376,631 | +25,741 | 36,131 | 40,420 | 1.86% | +4,289 |
| SPDR SERIES TRUST ST STR SP BIOT | 285,137 | 260,924 | -24,213 | 28,571 | 32,749 | 1.51% | +4,178 |
| VANGUARD SCOTTSDALE FDS LONG TERM TREAS | 1,186,149 | 1,273,353 | +87,204 | 67,444 | 71,206 | 3.28% | +3,761 |
| LAM RESEARCH CORP(LRCX) | 38,629 | 37,744 | -885 | 5,172 | 8,719 | 0.40% | +3,547 |
| GOLDMAN SACHS ETF TR | 927,844 | 903,394 | -24,450 | 38,144 | 41,095 | 1.90% | +2,952 |
| VANGUARD SCOTTSDALE FDS INT-TERM CORP | 818,802 | 853,990 | +35,188 | 68,869 | 71,624 | 3.30% | +2,755 |
| ALPHABET INC(GOOG) | 34,912 | 34,035 | -877 | 8,503 | 10,997 | 0.51% | +2,494 |
| VANGUARD MALVERN FDS | 777,530 | 829,148 | +51,618 | 39,366 | 41,209 | 1.90% | +1,842 |
| KLA CORP(KLAC) | 5,050 | 4,954 | -96 | 5,447 | 7,148 | 0.33% | +1,701 |
| MCKESSON CORP(MCK) | 6,877 | 6,790 | -87 | 5,313 | 6,442 | 0.30% | +1,129 |
| GE VERNOVA INC(GEV) | 2,297 | 3,146 | +849 | 1,412 | 2,452 | 0.11% | +1,039 |
| ISHARES TR | 0 | 17,880 | +17,880 | 0 | 1,036 | 0.05% | +1,036 |
| BROADCOM INC(AVGO) | 1,744 | 4,234 | +2,490 | 575 | 1,410 | 0.07% | +834 |
| VANGUARD WHITEHALL FDS | 211,666 | 220,844 | +9,178 | 14,160 | 14,925 | 0.69% | +764 |
| ISHARES TR MSCI USA SZE FT | 102,372 | 102,077 | -295 | 16,459 | 17,171 | 0.79% | +712 |
| APPLE INC(AAPL) | 71,604 | 68,104 | -3,500 | 18,233 | 18,941 | 0.87% | +709 |
| GE AEROSPACE(GE) | 10,966 | 12,458 | +1,492 | 3,299 | 3,999 | 0.18% | +700 |
| MERCK & CO INC(MRK) | 19,309 | 19,006 | -303 | 1,621 | 2,317 | 0.11% | +697 |
| EXXON MOBIL CORP | 20,666 | 20,080 | -586 | 2,330 | 2,993 | 0.14% | +663 |
| GOLDMAN SACHS ETF TR | 236,749 | 224,267 | -12,482 | 9,643 | 10,264 | 0.47% | +621 |
| ALPHABET INC(GOOG) | 8,873 | 8,507 | -366 | 2,157 | 2,747 | 0.13% | +590 |
| ISHARES TR | 6,392 | 11,713 | +5,321 | 683 | 1,256 | 0.06% | +573 |
| JOHNSON & JOHNSON(JNJ) | 8,950 | 8,995 | +45 | 1,660 | 2,159 | 0.10% | +499 |
| M & T BK CORP(MTB) | 14,140 | 13,609 | -531 | 2,794 | 3,239 | 0.15% | +445 |
| CISCO SYS INC(CSCO) | 25,244 | 24,749 | -495 | 1,727 | 2,099 | 0.10% | +372 |
| GOLDMAN SACHS ETF TR | 101,865 | 99,739 | -2,126 | 7,629 | 7,986 | 0.37% | +357 |
| NEXTERA ENERGY INC(NEE) | 34,207 | 32,166 | -2,041 | 2,582 | 2,878 | 0.13% | +296 |
| ULTA BEAUTY INC(ULTA) | 2,234 | 2,183 | -51 | 1,221 | 1,507 | 0.07% | +286 |
| BOEING CO(BA) | 0 | 1,160 | +1,160 | 0 | 282 | 0.01% | +282 |
| BANK NEW YORK MELLON CORP | 0 | 1,842 | +1,842 | 0 | 229 | 0.01% | +229 |
| ALPS ETF TR MED BREAKTHGH | 37,593 | 33,103 | -4,490 | 1,461 | 1,688 | 0.08% | +227 |
| NBT BANCORP INC(NBTB) | 0 | 4,700 | +4,700 | 0 | 219 | 0.01% | +219 |
| INTEL CORP(INTC) | 0 | 4,289 | +4,289 | 0 | 217 | 0.01% | +217 |
| CORNING INC(GLW) | 3,511 | 4,111 | +600 | 288 | 502 | 0.02% | +214 |
| PPG INDS INC(PPG) | 0 | 1,674 | +1,674 | 0 | 212 | 0.01% | +212 |
| BANK AMERICA CORP | 0 | 3,597 | +3,597 | 0 | 203 | 0.01% | +203 |
| DEERE & CO(DE) | 1,511 | 1,511 | 0 | 691 | 881 | 0.04% | +190 |
| COSTCO WHSL CORP NEW(COST) | 3,022 | 2,983 | -39 | 2,797 | 2,986 | 0.14% | +189 |
| WALMART INC(WMT) | 6,710 | 6,710 | 0 | 692 | 880 | 0.04% | +189 |
| VANGUARD INDEX FDS | 8,366 | 8,598 | +232 | 2,746 | 2,932 | 0.14% | +186 |
| ISHARES TR MSCI USA MMENTM | 219,222 | 222,511 | +3,289 | 56,219 | 56,404 | 2.60% | +185 |
| INTERNATIONAL BUSINESS MACHS(IBM) | 3,983 | 4,369 | +386 | 1,124 | 1,306 | 0.06% | +182 |
| VANGUARD STAR FDS | 26,000 | 25,725 | -275 | 1,910 | 2,085 | 0.10% | +175 |
| ASML HOLDING N V N Y REGISTRY SHS | 343 | 343 | 0 | 332 | 485 | 0.02% | +153 |
| VANGUARD MUN BD FDS | 27,162 | 29,650 | +2,488 | 1,360 | 1,502 | 0.07% | +142 |
| TJX COS INC NEW(TJX) | 13,428 | 13,358 | -70 | 1,941 | 2,082 | 0.10% | +141 |
| CATERPILLAR INC(CAT) | 563 | 563 | 0 | 269 | 409 | 0.02% | +140 |
| ELI LILLY & CO(LLY) | 504 | 494 | -10 | 385 | 523 | 0.02% | +138 |
| GOLDMAN SACHS GROUP INC(GS) | 1,035 | 1,035 | 0 | 824 | 961 | 0.04% | +137 |
| VANGUARD SCOTTSDALE FDS VNG RUS2000IDX | 14,035 | 14,035 | 0 | 1,373 | 1,503 | 0.07% | +130 |
| NORWOOD FINANCIAL CORP(NWFL) | 19,846 | 19,846 | 0 | 504 | 633 | 0.03% | +128 |
| MCDONALDS CORP(MCD) | 1,932 | 2,178 | +246 | 587 | 713 | 0.03% | +125 |
| VANGUARD SPECIALIZED FUNDS | 5,242 | 5,458 | +216 | 1,131 | 1,253 | 0.06% | +122 |
| VANGUARD TAX-MANAGED FDS | 15,355 | 15,355 | 0 | 920 | 1,034 | 0.05% | +114 |
| PHILLIPS 66(PSX) | 5,997 | 5,857 | -140 | 816 | 924 | 0.04% | +109 |
| MORGAN STANLEY(MS) | 5,125 | 5,125 | 0 | 815 | 922 | 0.04% | +108 |
| CHUBB LIMITED COM | 2,053 | 2,053 | 0 | 579 | 679 | 0.03% | +100 |
| VANGUARD INTL EQUITY INDEX F | 3,873 | 4,700 | +827 | 276 | 372 | 0.02% | +96 |
| TOMPKINS FINL CORP(TMP) | 5,095 | 5,095 | 0 | 337 | 430 | 0.02% | +92 |
| VANGUARD INTL EQUITY INDEX F | 12,177 | 13,122 | +945 | 660 | 751 | 0.03% | +92 |
| ISHARES TR MSCI USA VALUE | 3,390 | 3,390 | 0 | 424 | 515 | 0.02% | +91 |
| DIMENSIONAL ETF TRUST US TARGETED VLU | 10,658 | 10,658 | 0 | 620 | 711 | 0.03% | +91 |
| VANGUARD INDEX FDS | 1,165 | 1,405 | +240 | 243 | 326 | 0.02% | +83 |
| VANGUARD INDEX FDS | 1,242 | 1,408 | +166 | 370 | 445 | 0.02% | +76 |
| PEPSICO INC(PEP) | 11,122 | 9,553 | -1,569 | 1,562 | 1,629 | 0.08% | +67 |
| COMMUNITY FINANCIAL SYSTEM I(CBU) | 8,812 | 8,686 | -126 | 517 | 577 | 0.03% | +60 |
| SCHWAB CHARLES CORP(SCHW) | 6,199 | 6,199 | 0 | 592 | 651 | 0.03% | +60 |
| CSX CORP(CSX) | 11,606 | 11,606 | 0 | 412 | 471 | 0.02% | +59 |
| DIMENSIONAL ETF TRUST US MKTWIDE VALUE | 9,875 | 9,875 | 0 | 441 | 499 | 0.02% | +57 |
| HERSHEY CO(HSY) | 1,244 | 1,244 | 0 | 233 | 288 | 0.01% | +55 |
| GOLDMAN SACHS ETF TR | 98,740 | 96,907 | -1,833 | 12,864 | 12,913 | 0.60% | +49 |
| VANECK ETF TRUST BIOTECH ETF | 1,334 | 1,334 | 0 | 221 | 266 | 0.01% | +45 |
| J P MORGAN EXCHANGE TRADED F US MOMENTUM | 50,403 | 49,099 | -1,304 | 3,423 | 3,463 | 0.16% | +40 |
| ROCKWELL AUTOMATION INC(ROK) | 610 | 610 | 0 | 213 | 253 | 0.01% | +40 |
| COLGATE PALMOLIVE CO(CL) | 2,710 | 2,710 | 0 | 217 | 256 | 0.01% | +39 |
| ISHARES INC CORE MSCI EMKT | 7,665 | 7,340 | -325 | 505 | 541 | 0.02% | +35 |
| CONOCOPHILLIPS(COP) | 2,270 | 2,270 | 0 | 215 | 244 | 0.01% | +30 |
| TRAVELERS COMPANIES INC(TRV) | 1,333 | 1,330 | -3 | 372 | 401 | 0.02% | +29 |
| RTX CORPORATION(RTX) | 2,756 | 2,453 | -303 | 461 | 487 | 0.02% | +26 |
| SCHWAB STRATEGIC TR | 7,864 | 7,864 | 0 | 219 | 243 | 0.01% | +24 |
| SCHWAB STRATEGIC TR | 8,722 | 8,722 | 0 | 203 | 227 | 0.01% | +23 |
| HONEYWELL INTL INC(HON) | 1,206 | 1,160 | -46 | 254 | 277 | 0.01% | +23 |
| ISHARES TR | 969 | 969 | 0 | 234 | 257 | 0.01% | +22 |
| ILLINOIS TOOL WKS INC(ITW) | 1,456 | 1,367 | -89 | 380 | 401 | 0.02% | +22 |
| AMERICAN EXPRESS CO(AXP) | 628 | 628 | 0 | 209 | 226 | 0.01% | +17 |
| VANGUARD SCOTTSDALE FDS VNG RUS1000IDX | 1,425 | 1,425 | 0 | 431 | 447 | 0.02% | +16 |
| ISHARES TR | 4,348 | 4,436 | +88 | 414 | 429 | 0.02% | +15 |
| VANGUARD INDEX FDS | 2,426 | 2,512 | +86 | 1,164 | 1,177 | 0.05% | +14 |
| VANGUARD INDEX FDS | 2,362 | 2,582 | +220 | 694 | 707 | 0.03% | +13 |
| COCA COLA CO(KO) | 6,721 | 5,774 | -947 | 446 | 456 | 0.02% | +11 |
| VANGUARD INDEX FDS | 1,290 | 1,290 | 0 | 379 | 388 | 0.02% | +10 |