Q2 2025 Holdings
Filed 2025-08-14 | 53 holdings | $270.8M | 13F-HR | View on SEC ↗ · Holdings Table ↗
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| Issuer | Class | CUSIP | Value ↓ | Shares | % Portfolio |
|---|---|---|---|---|---|
| Ishares TR(IVV) | CORE S&P500 ETF | 464287200 | $55.6M | 3,208 | 20.5% |
| Vanguard Index FDS(VUG) | GROWTH ETF | 922908736 | $28.1M | 1,280 | 10.4% |
| Vanguard Index FDS(VTV) | VALUE ETF | 922908744 | $25.6M | 3,709 | 9.4% |
| Vanguard Tax-Managed FDS(VEA) | VAN FTSE DEV MKT | 921943858 | $21.8M | 873 | 8.1% |
| Schwab Strategic TR(SCHA) | US SML CAP ETF | 808524607 | $16.9M | 40,803 | 6.3% |
| Vanguard Charlotte FDS(BNDX) | TOTAL INT BD ETF | 92203J407 | $16.6M | 2,671 | 6.1% |
| Vanguard BD Index FDS(BSV) | SHORT TRM BOND | 921937827 | $13.2M | 4,967 | 4.9% |
| Vanguard Intl Equity Index F(VWO) | FTSE EMR MKT ETF | 922042858 | $9.8M | 1,357 | 3.6% |
| Vanguard BD Index FDS(BLV) | LONG TERM BOND | 921937793 | $9.7M | 44,863 | 3.6% |
| Schwab Strategic TR(FNDE) | FUNDAMENTAL EMER | 808524730 | $9.1M | 213,080 | 3.4% |
| Schwab Strategic TR(SCHZ) | US AGGREGATE B | 808524839 | $8.2M | 13,381 | 3.0% |
| Ishares TR(REET) | GLOBAL REIT ETF | 46434V647 | $7.5M | 34,411 | 2.8% |
| Vanguard World FD(MGC) | MEGA CAP INDEX | 921910873 | $5.5M | 877 | 2.0% |
| Schwab Strategic TR(SCHF) | INTL EQTY ETF | 808524805 | $4.7M | 167,951 | 1.7% |
| Schwab Strategic TR(SCHV) | US LCAP VA ETF | 808524409 | $4.1M | 336,201 | 1.5% |
| Ishares TR(MUB) | NATIONAL MUN ETF | 464288414 | $3.6M | 1,044 | 1.3% |
| Community Financial System I(CBU) | COM | 203607106 | $2.6M | 64,107 | 0.9% |
| Invesco Exchange Traded FD T(RSP) | S&P500 EQL WGT | 46137V357 | $2.5M | 762 | 0.9% |
| Berkshire Hathaway Inc del(BRK/A) | CL A | 084670108 | $2.2M | 529,664 | 0.8% |
| RTX Corporation(RTX) | COM | 75513E101 | $2.2M | 669,263 | 0.8% |
| Progressive Corp(PGR) | COM | 743315103 | $1.9M | 199,090 | 0.7% |
| Vanguard Index FDS(VNQ) | REAL ESTATE ETF | 922908553 | $1.9M | 3,688 | 0.7% |
| Apple Inc(AAPL) | COM | 037833100 | $1.7M | 276,491 | 0.6% |
| Microsoft Corp(MSFT) | COM | 594918104 | $1.4M | 1,268 | 0.5% |
| Schwab Strategic TR(SCHE) | EMRG MKTEQ ETF | 808524706 | $1.2M | 3 | 0.5% |
| Carrier Global Corporation(CARR) | COM | 14448C104 | $979.4K | 1,308 | 0.4% |
| Nvidia Corporation(NVDA) | COM | 67066G104 | $928.3K | 14,018 | 0.3% |
| Vanguard Index FDS(VB) | SMALL CP ETF | 922908751 | $879.0K | 382,721 | 0.3% |
| Spdr S&P 500 ETF TR(SPY) | TR UNIT | 78462F103 | $838.4K | 22,944 | 0.3% |
| Ishares TR(EFA) | MSCI EAFE ETF | 464287465 | $826.5K | 2,778 | 0.3% |
| Otis Worldwide Corp(OTIS) | COM | 68902V107 | $662.4K | 14,947 | 0.2% |
| JPMorgan Chase & Co.(JPM) | COM | 46625H100 | $625.3K | 5,876 | 0.2% |
| Ishares Inc(URTH) | MSCI WORLD ETF | 464286392 | $624.7K | 24,250 | 0.2% |
| Amphenol Corp New(APH) | CL A | 032095101 | $620.5K | 144,576 | 0.2% |
| Meta Platforms Inc(META) | CL A | 30303M102 | $562.4K | 89,543 | 0.2% |
| Schwab Strategic TR(SCHB) | US BRD MKT ETF | 808524102 | $546.8K | 139,009 | 0.2% |
| Home Depot Inc(HD) | COM | 437076102 | $479.6K | 2,157 | 0.2% |
| Visa Inc(V) | COM CL A | 92826C839 | $454.5K | 20,908 | 0.2% |
| Ishares TR(IBDQ) | IBONDS DEC25 ETF | 46434VBD1 | $429.5K | 3,133 | 0.2% |
| Schwab Strategic TR(SCHG) | US LCAP GR ETF | 808524300 | $367.5K | 9,987 | 0.1% |
| Caterpillar Inc(CAT) | COM | 149123101 | $340.5K | 8,316 | 0.1% |
| Sherwin Williams Co(SHW) | COM | 824348106 | $299.8K | 149,374 | 0.1% |
| Exxon Mobil Corp(XOM) | COM | 30231G102 | $291.3K | 17,058 | 0.1% |
| Amgen Inc(AMGN) | COM | 031162100 | $290.7K | 459 | 0.1% |
| National Fuel Gas Co(NFG) | COM | 636180101 | $265.4K | 302,717 | 0.1% |
| Schwab Strategic TR(SCHD) | US DIVIDEND EQ | 808524797 | $264.7K | 12,580 | 0.1% |
| Vanguard Index FDS(VOO) | S&P 500 ETF SHS | 922908363 | $260.7K | 722 | 0.1% |
| Merck & Co Inc(MRK) | COM | 58933Y105 | $253.9K | 6,690 | 0.1% |
| Southern Co(SO) | COM | 842587107 | $245.3K | 351,703 | 0.1% |
| Ishares TR(EEM) | MSCI EMG MKT ETF | 464287234 | $239.6K | 1,041 | 0.1% |