Cobblestone Capital Advisors 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	282,046	2,580	SH		SOLE		2,580	0	0
ABBOTT LABS	COM	002824100	868,453	7,890	SH		SOLE		7,890	0	0
ABBVIE INC	COM	00287Y109	1,671,972	10,789	SH		SOLE		10,789	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	727,788	2,074	SH		SOLE		2,074	0	0
ADOBE INC	COM	00724F101	16,410,677	27,507	SH		SOLE		25,894	0	1,613
ADVANCED MICRO DEVICES INC	COM	007903107	487,167	3,305	SH		SOLE		3,305	0	0
AFLAC INC	COM	001055102	530,723	6,433	SH		SOLE		6,243	0	190
ALLSTATE CORP	COM	020002101	295,218	2,109	SH		SOLE		2,109	0	0
ALPHABET INC	CAP STK CL A	02079K305	11,201,043	80,185	SH		SOLE		78,734	0	1,451
ALPHABET INC	CAP STK CL C	02079K107	36,265,326	257,329	SH		SOLE		244,773	0	12,556
ALTRIA GROUP INC	COM	02209S103	404,164	10,019	SH		SOLE		10,018	0	1
AMAZON COM INC	COM	023135106	42,368,014	278,847	SH		SOLE		265,173	0	13,674
AMERICAN CENTY ETF TR	AVANTIS ALL INT	025072174	1,668,200	31,051	SH		SOLE		31,051	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	392,293	4,830	SH		SOLE		4,830	0	0
AMERICAN EXPRESS CO	COM	025816109	18,549,677	99,016	SH		SOLE		94,644	0	4,372
AMERICAN INTL GROUP INC	COM NEW	026874784	296,203	4,372	SH		SOLE		4,246	0	126
AMERICAN TOWER CORP NEW	COM	03027X100	12,993,284	60,188	SH		SOLE		56,458	0	3,730
AMGEN INC	COM	031162100	380,187	1,320	SH		SOLE		1,320	0	0
ANALOG DEVICES INC	COM	032654105	309,953	1,561	SH		SOLE		1,561	0	0
AON PLC	SHS CL A	G0403H108	263,374	905	SH		SOLE		905	0	0
APPLE INC	COM	037833100	64,881,055	336,992	SH		SOLE		327,943	0	9,049
ASTRAZENECA PLC	SPONSORED ADR	046353108	227,307	3,375	SH		SOLE		3,375	0	0
AT&T INC	COM	00206R102	201,444	12,005	SH		SOLE		12,005	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	547,713	2,351	SH		SOLE		2,351	0	0
BANK AMERICA CORP	COM	060505104	2,201,971	65,399	SH		SOLE		58,214	0	7,185
BANK MONTREAL QUE	COM	063671101	296,820	3,000	SH		SOLE		3,000	0	0
BANK NEW YORK MELLON CORP	COM	064058100	1,393,535	26,773	SH		SOLE		26,773	0	0
BARINGS BDC INC	COM	06759L103	174,346	20,320	SH		SOLE		20,320	0	0
BERKLEY W R CORP	COM	084423102	516,469	7,303	SH		SOLE		7,303	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	30,573,966	85,723	SH		SOLE		81,586	0	4,137
BIGBEAR AI HLDGS INC	*W EXP 12/08/202	08975B117	20,931	61,906	SH		SOLE		61,906	0	0
BLACKROCK INC	COM	09247X101	870,250	1,072	SH		SOLE		1,072	0	0
BOEING CO	COM	097023105	1,548,896	5,942	SH		SOLE		5,942	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,175,365	22,907	SH		SOLE		22,751	0	156
BROADCOM INC	COM	11135F101	505,662	453	SH		SOLE		453	0	0
BROADSTONE NET LEASE INC	COM	11135E203	22,019,407	1,278,711	SH		SOLE		1,278,711	0	0
BROOKFIELD ASSET MANAGMT LTD	CL A LMT VTG SHS	113004105	277,937	6,919	SH		SOLE		6,895	0	24
BROOKFIELD CORP	CL A LTD VT SH	11271J107	18,980,378	473,090	SH		SOLE		446,751	0	26,339
CANADIAN NATL RY CO	COM	136375102	20,770,688	165,332	SH		SOLE		157,132	0	8,200
CARDINAL HEALTH INC	COM	14149Y108	257,040	2,550	SH		SOLE		2,550	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	316,090	5,502	SH		SOLE		5,502	0	0
CATERPILLAR INC	COM	149123101	1,338,203	4,526	SH		SOLE		3,926	0	600
CHEVRON CORP NEW	COM	166764100	4,166,017	27,930	SH		SOLE		27,744	0	186
CINCINNATI FINL CORP	COM	172062101	379,699	3,670	SH		SOLE		3,670	0	0
CISCO SYS INC	COM	17275R102	1,427,128	28,249	SH		SOLE		28,249	0	0
CITIZENS FINL GROUP INC	COM	174610105	331,941	10,016	SH		SOLE		9,709	0	307
COCA COLA CO	COM	191216100	1,932,795	32,798	SH		SOLE		32,564	0	234
COLGATE PALMOLIVE CO	COM	194162103	370,174	4,644	SH		SOLE		4,644	0	0
COMCAST CORP NEW	CL A	20030N101	1,798,815	41,022	SH		SOLE		40,776	0	246
CONOCOPHILLIPS	COM	20825C104	845,919	7,288	SH		SOLE		7,288	0	0
CONSOLIDATED EDISON INC	COM	209115104	474,591	5,217	SH		SOLE		5,217	0	0
CONSTELLATION BRANDS INC	CL A	21036P108	2,043,029	8,451	SH		SOLE		8,451	0	0
COPART INC	COM	217204106	12,994,604	265,196	SH		SOLE		249,975	0	15,221
COSTAR GROUP INC	COM	22160N109	1,562,272	17,877	SH		SOLE		17,327	0	550
COSTCO WHSL CORP NEW	COM	22160K105	14,381,880	21,788	SH		SOLE		20,653	0	1,135
CRESCENT CAP BDC INC	COM	225655109	1,069,948	61,562	SH		SOLE		61,562	0	0
CROWN HLDGS INC	COM	228368106	857,543	9,312	SH		SOLE		9,312	0	0
CSX CORP	COM	126408103	680,573	19,630	SH		SOLE		19,630	0	0
CVS HEALTH CORP	COM	126650100	9,552,112	120,974	SH		SOLE		113,961	0	7,013
DANAHER CORPORATION	COM	235851102	216,072	934	SH		SOLE		934	0	0
DBX ETF TR	XTRACKERS S&P MD	233051127	463,731	16,622	SH		SOLE		16,622	0	0
DEERE & CO	COM	244199105	772,549	1,932	SH		SOLE		1,932	0	0
DIAGEO PLC	SPON ADR NEW	25243Q205	11,555,063	79,329	SH		SOLE		74,683	0	4,646
DICKS SPORTING GOODS INC	COM	253393102	1,255,835	8,546	SH		SOLE		8,546	0	0
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	219,526	7,665	SH		SOLE		7,665	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	55,265,129	2,263,109	SH		SOLE		2,220,110	0	42,999
DISNEY WALT CO	COM	254687106	13,707,947	151,821	SH		SOLE		142,905	0	8,916
DOMINION ENERGY INC	COM	25746U109	313,554	6,671	SH		SOLE		6,498	0	173
DOVER CORP	COM	260003108	353,456	2,298	SH		SOLE		2,255	0	43
DOW INC	COM	260557103	556,874	10,155	SH		SOLE		9,929	0	226
DUKE ENERGY CORP NEW	COM NEW	26441C204	633,083	6,524	SH		SOLE		6,418	0	106
EASTMAN CHEM CO	COM	277432100	226,976	2,527	SH		SOLE		2,527	0	0
EATON CORP PLC	SHS	G29183103	972,913	4,040	SH		SOLE		3,976	0	64
ELI LILLY & CO	COM	532457108	1,018,945	1,748	SH		SOLE		1,748	0	0
EMERSON ELEC CO	COM	291011104	1,568,759	16,118	SH		SOLE		16,118	0	0
ENBRIDGE INC	COM	29250N105	501,003	13,909	SH		SOLE		13,754	0	155
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	1,770,182	128,274	SH		SOLE		128,274	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	2,543,610	96,532	SH		SOLE		96,532	0	0
EOS ENERGY ENTERPRISES INC	COM CL A	29415C101	11,294	10,361	SH		SOLE		10,361	0	0
EXXON MOBIL CORP	COM	30231G102	4,709,524	47,105	SH		SOLE		47,059	0	46
FINANCIAL INSTNS INC	COM	317585404	255,600	12,000	SH		SOLE		12,000	0	0
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	247,424	3,200	SH		SOLE		3,200	0	0
GENERAL DYNAMICS CORP	COM	369550108	264,864	1,020	SH		SOLE		1,020	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	923,404	7,235	SH		SOLE		7,235	0	0
GENERAL MLS INC	COM	370334104	205,191	3,150	SH		SOLE		3,150	0	0
GILAT SATELLITE NETWORKS LTD	SHS NEW	M51474118	80,096	13,109	SH		SOLE		13,109	0	0
GLOBE LIFE INC	COM	37959E102	684,797	5,626	SH		SOLE		5,626	0	0
GOLDMAN SACHS GROUP INC	COM	38141G104	565,154	1,465	SH		SOLE		1,465	0	0
GRAHAM CORP	COM	384556106	3,542,705	186,753	SH		SOLE		186,753	0	0
HCA HEALTHCARE INC	COM	40412C101	384,095	1,419	SH		SOLE		1,419	0	0
HENRY JACK & ASSOC INC	COM	426281101	15,709,301	96,134	SH		SOLE		90,416	0	5,718
HOME DEPOT INC	COM	437076102	1,421,649	4,102	SH		SOLE		4,022	0	80
HONEYWELL INTL INC	COM	438516106	1,235,375	5,891	SH		SOLE		5,891	0	0
IDEX CORP	COM	45167R104	219,716	1,012	SH		SOLE		1,012	0	0
IDEXX LABS INC	COM	45168D104	13,569,974	24,448	SH		SOLE		22,541	0	1,907
ILLINOIS TOOL WKS INC	COM	452308109	739,195	2,822	SH		SOLE		2,822	0	0
INTEL CORP	COM	458140100	972,991	19,363	SH		SOLE		19,163	0	200
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,019,081	6,231	SH		SOLE		6,231	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	363,000	1,076	SH		SOLE		1,076	0	0
INVESCO EXCH TRADED FD TR II	S&P SMALLCAP 600	46138G565	1,076,389	42,884	SH		SOLE		40,884	0	2,000
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	433,488	12,315	SH		SOLE		12,315	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	296,359	7,905	SH		SOLE		7,905	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	596,262	1,456	SH		SOLE		1,456	0	0
ISHARES GOLD TR	ISHARES NEW	464285204	2,784,440	71,341	SH		SOLE		71,341	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	31,387,983	620,561	SH		SOLE		611,253	0	9,308
ISHARES INC	ESG AWR MSCI EM	46434G863	361,541	11,277	SH		SOLE		11,277	0	0
ISHARES SILVER TR	ISHARES	46428Q109	222,156	10,200	SH		SOLE		10,200	0	0
ISHARES TR	COHEN STEER REIT	464287564	988,133	16,825	SH		SOLE		16,825	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	646,617	6,340	SH		SOLE		6,340	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	665,230	9,456	SH		SOLE		9,456	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	130,370,578	2,007,864	SH		SOLE		1,966,134	0	41,730
ISHARES TR	CORE S&P MCP ETF	464287507	835,331	3,014	SH		SOLE		3,014	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,757,028	16,231	SH		SOLE		15,049	0	1,182
ISHARES TR	CORE S&P TTL STK	464287150	113,369,937	1,077,354	SH		SOLE		1,069,512	0	7,842
ISHARES TR	CORE S&P500 ETF	464287200	2,313,265	4,843	SH		SOLE		4,843	0	0
ISHARES TR	CORE US AGGBD ET	464287226	18,739,591	188,812	SH		SOLE		188,025	0	787
ISHARES TR	EAFE SML CP ETF	464288273	287,835	4,650	SH		SOLE		4,650	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,083,999	14,350	SH		SOLE		14,350	0	0
ISHARES TR	ESG AWRE USD ETF	46435G193	919,445	39,512	SH		SOLE		39,512	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	9,078,547	82,040	SH		SOLE		82,040	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	2,963,747	57,801	SH		SOLE		57,801	0	0
ISHARES TR	MBS ETF	464288588	2,870,664	30,513	SH		SOLE		29,738	0	775
ISHARES TR	MSCI ACWI EX US	464288240	2,207,679	43,254	SH		SOLE		43,254	0	0
ISHARES TR	MSCI EAFE ETF	464287465	1,461,037	19,390	SH		SOLE		19,390	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	618,913	15,392	SH		SOLE		15,392	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	650,097	7,140	SH		SOLE		7,140	0	0
ISHARES TR	MSCI USA ESG SLC	464288802	3,070,782	30,552	SH		SOLE		30,552	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	20,885,569	133,122	SH		SOLE		131,768	0	1,354
ISHARES TR	RUS 1000 GRW ETF	464287614	268,306	885	SH		SOLE		885	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	1,436,898	5,697	SH		SOLE		5,697	0	0
ISHARES TR	RUS 2000 VAL ETF	464287630	1,123,968	7,236	SH		SOLE		7,236	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	6,034,547	30,066	SH		SOLE		29,164	0	902
ISHARES TR	RUSSELL 3000 ETF	464287689	635,899	2,323	SH		SOLE		2,323	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	520,303	6,568	SH		SOLE		6,568	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	531,313	4,659	SH		SOLE		4,659	0	0
ISHARES TR	SELECT DIVID ETF	464287168	386,240	3,295	SH		SOLE		3,295	0	0
ISHARES TR	SHORT TREAS BD	464288679	1,338,631	12,155	SH		SOLE		12,155	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	1,069,884	5,970	SH		SOLE		5,970	0	0
ISHARES TR	US TREAS BD ETF	46429B267	63,051,236	2,736,599	SH		SOLE		2,680,477	0	56,122
ISHARES TR	USD INV GRDE ETF	464288620	1,721,721	33,588	SH		SOLE		28,693	0	4,895
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	236,247	4,518	SH		SOLE		4,518	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN INT EQ	46641Q209	864,938	15,923	SH		SOLE		15,923	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	8,555,174	170,320	SH		SOLE		170,320	0	0
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	42,655,336	1,105,633	SH		SOLE		1,094,361	0	11,272
JOHNSON & JOHNSON	COM	478160104	5,059,065	32,277	SH		SOLE		31,751	0	526
JPMORGAN CHASE & CO	COM	46625H100	3,438,232	20,213	SH		SOLE		19,213	0	1,000
KENVUE INC	COM	49177J102	1,336,785	62,089	SH		SOLE		61,129	0	960
KIMBERLY-CLARK CORP	COM	494368103	945,045	7,778	SH		SOLE		7,778	0	0
KOPIN CORP	COM	500600101	39,342	19,380	SH		SOLE		19,380	0	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	495,589	2,353	SH		SOLE		2,353	0	0
LATTICE STRATEGIES TR	HARTFORD MLT ETF	518416102	1,463,049	53,357	SH		SOLE		50,506	0	2,851
LINDE PLC	SHS	G54950103	1,343,844	3,272	SH		SOLE		3,272	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,944,400	4,290	SH		SOLE		4,272	0	18
LOWES COS INC	COM	548661107	672,101	3,020	SH		SOLE		3,020	0	0
M & T BK CORP	COM	55261F104	298,835	2,180	SH		SOLE		1,980	0	200
MARATHON PETE CORP	COM	56585A102	239,602	1,615	SH		SOLE		1,615	0	0
MARKEL GROUP INC	COM	570535104	26,127,580	18,401	SH		SOLE		17,330	0	1,071
MASTERCARD INCORPORATED	CL A	57636Q104	1,918,967	4,499	SH		SOLE		4,499	0	0
MCDONALDS CORP	COM	580135101	2,230,888	7,524	SH		SOLE		7,524	0	0
MCKESSON CORP	COM	58155Q103	699,100	1,510	SH		SOLE		1,510	0	0
MEDTRONIC PLC	SHS	G5960L103	351,104	4,262	SH		SOLE		4,193	0	69
MERCK & CO INC	COM	58933Y105	4,242,184	38,912	SH		SOLE		38,007	0	905
META PLATFORMS INC	CL A	30303M102	1,216,561	3,437	SH		SOLE		3,437	0	0
METLIFE INC	COM	59156R108	254,932	3,855	SH		SOLE		3,855	0	0
MICROSOFT CORP	COM	594918104	47,875,650	127,315	SH		SOLE		121,893	0	5,422
MONDELEZ INTL INC	CL A	609207105	229,001	3,162	SH		SOLE		3,162	0	0
MONROE CAP CORP	COM	610335101	169,758	24,028	SH		SOLE		24,028	0	0
MOODYS CORP	COM	615369105	22,872,736	58,564	SH		SOLE		54,887	0	3,677
MORINGA ACQUISITION CORP	*W EXP 02/22/202	G6S23K124	194	10,000	SH		SOLE		10,000	0	0
MPLX LP	COM UNIT REP LTD	55336V100	206,110	5,613	SH		SOLE		5,613	0	0
NATIONAL FUEL GAS CO	COM	636180101	2,433,045	48,496	SH		SOLE		48,496	0	0
NETFLIX INC	COM	64110L106	277,522	570	SH		SOLE		570	0	0
NEXTERA ENERGY INC	COM	65339F101	1,456,971	23,987	SH		SOLE		23,987	0	0
NIKE INC	CL B	654106103	1,045,241	9,627	SH		SOLE		9,627	0	0
NORFOLK SOUTHN CORP	COM	655844108	312,022	1,320	SH		SOLE		1,320	0	0
NOVO-NORDISK A S	ADR	670100205	367,869	3,556	SH		SOLE		3,556	0	0
NVIDIA CORPORATION	COM	67066G104	17,495,178	35,328	SH		SOLE		33,484	0	1,844
ORACLE CORP	COM	68389X105	1,381,344	13,102	SH		SOLE		12,932	0	170
OREILLY AUTOMOTIVE INC	COM	67103H107	1,211,352	1,275	SH		SOLE		1,275	0	0
OTIS WORLDWIDE CORP	COM	68902V107	203,366	2,273	SH		SOLE		2,273	0	0
PAYCHEX INC	COM	704326107	7,325,027	61,498	SH		SOLE		61,498	0	0
PAYLOCITY HLDG CORP	COM	70438V106	327,228	1,985	SH		SOLE		1,985	0	0
PAYPAL HLDGS INC	COM	70450Y103	241,894	3,939	SH		SOLE		3,789	0	150
PEPSICO INC	COM	713448108	18,865,689	111,079	SH		SOLE		104,347	0	6,732
PFIZER INC	COM	717081103	1,239,150	43,041	SH		SOLE		42,857	0	184
PHILIP MORRIS INTL INC	COM	718172109	426,990	4,539	SH		SOLE		4,435	0	104
PHILLIPS 66	COM	718546104	2,362,584	17,745	SH		SOLE		17,666	0	79
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	4,137,700	41,464	SH		SOLE		41,464	0	0
PNC FINL SVCS GROUP INC	COM	693475105	285,544	1,844	SH		SOLE		1,844	0	0
PPG INDS INC	COM	693506107	275,172	1,840	SH		SOLE		1,840	0	0
PPL CORP	COM	69351T106	392,950	14,500	SH		SOLE		14,500	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,881,221	40,134	SH		SOLE		39,532	0	602
QUALCOMM INC	COM	747525103	1,523,806	10,536	SH		SOLE		10,446	0	90
READY CAPITAL CORP	COM	75574U101	1,181,251	115,244	SH		SOLE		115,244	0	0
REGIONS FINANCIAL CORP NEW	COM	7591EP100	198,645	10,250	SH		SOLE		10,250	0	0
REPUBLIC SVCS INC	COM	760759100	337,901	2,049	SH		SOLE		2,049	0	0
ROCKET PHARMACEUTICALS INC	COM	77313F106	269,730	9,000	SH		SOLE		9,000	0	0
ROCKWELL AUTOMATION INC	COM	773903109	378,786	1,220	SH		SOLE		1,220	0	0
ROYAL BK CDA	COM	780087102	482,188	4,768	SH		SOLE		4,768	0	0
RTX CORPORATION	COM	75513E101	825,835	9,815	SH		SOLE		9,815	0	0
SALESFORCE INC	COM	79466L302	387,079	1,471	SH		SOLE		1,471	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,850,335	114,979	SH		SOLE		112,639	0	2,340
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	224,263	6,068	SH		SOLE		6,068	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	1,379,134	27,738	SH		SOLE		27,738	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	9,615,359	155,237	SH		SOLE		153,942	0	1,295
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	214,099	3,868	SH		SOLE		3,868	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	4,450,375	91,855	SH		SOLE		90,110	0	1,745
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	296,690	6,364	SH		SOLE		6,364	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	19,522,030	350,674	SH		SOLE		340,506	0	10,168
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	575,057	7,554	SH		SOLE		7,554	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	11,909,502	211,161	SH		SOLE		208,031	0	3,130
SCHWAB STRATEGIC TR	US REIT ETF	808524847	379,410	18,320	SH		SOLE		17,070	0	1,250
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	2,505,468	53,037	SH		SOLE		53,037	0	0
SHOPIFY INC	CL A	82509L107	17,884,984	229,589	SH		SOLE		217,147	0	12,442
SOUTHERN CO	COM	842587107	776,367	11,072	SH		SOLE		10,940	0	132
SPDR GOLD TR	GOLD SHS	78463V107	2,461,314	12,875	SH		SOLE		12,875	0	0
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	14,812,146	547,786	SH		SOLE		533,367	0	14,419
SPDR S&P 500 ETF TR	TR UNIT	78462F103	18,456,370	38,830	SH		SOLE		38,828	0	2
SPDR SER TR	PORTFOLIO SH TSR	78468R101	48,199,253	1,659,183	SH		SOLE		1,627,274	0	31,909
SPDR SER TR	S&P BK ETF	78464A797	556,842	12,100	SH		SOLE		12,100	0	0
SPROTT PHYSICAL GOLD & SILVE	TR UNIT	85208R101	457,554	23,893	SH		SOLE		23,893	0	0
SPROTT PHYSICAL GOLD TR	UNIT	85207H104	400,019	25,111	SH		SOLE		25,111	0	0
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	1,013,697	25,185	SH		SOLE		22,070	0	3,115
STARBUCKS CORP	COM	855244109	734,327	7,648	SH		SOLE		7,590	0	58
STATE STR CORP	COM	857477103	331,529	4,280	SH		SOLE		4,280	0	0
STRYKER CORPORATION	COM	863667101	1,452,381	4,850	SH		SOLE		4,850	0	0
SYSCO CORP	COM	871829107	299,833	4,100	SH		SOLE		4,100	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	213,928	2,057	SH		SOLE		2,057	0	0
TE CONNECTIVITY LTD	SHS	H84989104	252,808	1,799	SH		SOLE		1,747	0	52
TEGNA INC	COM	87901J105	446,562	29,187	SH		SOLE		29,187	0	0
TELUS CORPORATION	COM	87971M103	358,327	20,142	SH		SOLE		19,526	0	616
TESLA INC	COM	88160R101	441,052	1,775	SH		SOLE		1,721	0	54
TEXAS INSTRS INC	COM	882508104	214,610	1,259	SH		SOLE		1,259	0	0
THE CIGNA GROUP	COM	125523100	203,327	679	SH		SOLE		679	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	349,791	659	SH		SOLE		659	0	0
TJX COS INC NEW	COM	872540109	11,968,332	127,581	SH		SOLE		121,664	0	5,917
TOMPKINS FINL CORP	COM	890110109	469,614	7,797	SH		SOLE		7,797	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	1,074,631	16,630	SH		SOLE		16,630	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	356,826	1,463	SH		SOLE		1,463	0	0
TRAVELERS COMPANIES INC	COM	89417E109	220,397	1,157	SH		SOLE		1,157	0	0
TRUIST FINL CORP	COM	89832Q109	353,577	9,577	SH		SOLE		9,290	0	287
UNION PAC CORP	COM	907818108	374,855	1,526	SH		SOLE		1,509	0	17
UNITED PARCEL SERVICE INC	CL B	911312106	392,447	2,496	SH		SOLE		2,496	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	1,950,045	3,704	SH		SOLE		3,704	0	0
UNUM GROUP	COM	91529Y106	256,307	5,668	SH		SOLE		5,668	0	0
UR-ENERGY INC	COM	91688R108	29,337	19,050	SH		SOLE		19,050	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	4,716,244	64,123	SH		SOLE		64,089	0	34
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	35,135,897	213,696	SH		SOLE		209,408	0	4,288
VANGUARD INDEX FDS	GROWTH ETF	922908736	246,528	793	SH		SOLE		793	0	0
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	319,154	1,463	SH		SOLE		1,463	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	216,356	930	SH		SOLE		930	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	430,932	4,877	SH		SOLE		4,877	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,429,317	7,851	SH		SOLE		7,822	0	29
VANGUARD INDEX FDS	SMALL CP ETF	922908751	585,591	2,745	SH		SOLE		2,745	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	23,163,351	97,645	SH		SOLE		96,350	0	1,295
VANGUARD INDEX FDS	VALUE ETF	922908744	833,463	5,575	SH		SOLE		5,575	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	1,988,030	35,412	SH		SOLE		32,357	0	3,055
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,257,836	30,604	SH		SOLE		28,809	0	1,795
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	1,497,933	14,560	SH		SOLE		14,560	0	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	1,994,873	33,629	SH		SOLE		33,629	0	0
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	1,298,822	28,016	SH		SOLE		28,016	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	1,000,912	17,269	SH		SOLE		17,257	0	12
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	931,799	19,453	SH		SOLE		19,453	0	0
VANGUARD WELLINGTON FD	US QUALITY	921935706	278,234	2,200	SH		SOLE		2,200	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	543,293	14,411	SH		SOLE		14,190	0	221
VISA INC	COM CL A	92826C839	31,596,157	121,360	SH		SOLE		114,708	0	6,652
WALMART INC	COM	931142103	403,112	2,557	SH		SOLE		2,557	0	0
WASTE MGMT INC DEL	COM	94106L109	1,054,541	5,888	SH		SOLE		5,888	0	0
WD 40 CO	COM	929236107	326,570	1,366	SH		SOLE		1,366	0	0
WEBSTER FINL CORP	COM	947890109	824,251	16,238	SH		SOLE		15,942	0	296
WELLS FARGO CO NEW	COM	949746101	25,908,934	526,390	SH		SOLE		497,618	0	28,772
WHEATON PRECIOUS METALS CORP	COM	962879102	908,803	18,419	SH		SOLE		18,419	0	0
WISDOMTREE TR	FLOATNG RAT TREA	97717Y527	1,077,297	21,443	SH		SOLE		21,443	0	0
YUM BRANDS INC	COM	988498101	1,405,411	10,756	SH		SOLE		10,756	0	0
YUM CHINA HLDGS INC	COM	98850P109	526,684	12,413	SH		SOLE		12,413	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	424,733	3,490	SH		SOLE		3,490	0	0