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
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
Dimensional ETF (trust US Small Cap Val) ETF 25434V815 402 18,443 SH   SOLE   18,440 0 3
Dimensional World ex US Core Equity ETF ETF 25434V880 69,238 3,665,339 SH   SOLE   3,552,647 0 112,692
Dimensional ETF TR US Marketwide Value ETF ETF 25434V724 20,418 689,549 SH   SOLE   678,722 0 10,827
Dimensional U S Small Cap ETF ETF 25434V500 8,618 185,257 SH   SOLE   185,257 0 0
Dimensional U S Core Equity 2 ETF ETF 25434V708 100,901 4,536,925 SH   SOLE   4,363,387 0 173,538
Dimensional U S Targeted Value ETF ETF 25434V609 15,477 397,152 SH   SOLE   369,316 0 27,836
Vanguard FTSE Developed Markets ETF ETF 921943858 414 11,399 SH   SOLE   11,399 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858 347 9,522 SH   SOLE   9,522 0 0
Vanguard REIT Index ETF ETF 922908553 2,487 31,016 SH   SOLE   21,170 0 9,846
Dimensional International Value ETF ETF 25434V807 5,198 201,782 SH   SOLE   197,626 0 4,156
iShares RS 2000 Value ETF 464287630 394 3,054 SH   SOLE   3,054 0 0
iShares Russell (1000 Growth Etf) ETF 464287614 1,833 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598 1,444 10,618 SH   SOLE   10,618 0 0
iShares Russell 2000 Growth ETF ETF 464287648 205 993 SH   SOLE   993 0 0
Star Gas Partners Common Stock 85512C105 245 30,114 SH   SOLE   0 0 30,114
Alphabet Inc Cap STK Common Stock 02079K305 4,591 48,000 SH   SOLE   48,000 0 0
Alphabet Inc Cap STK CL C Common Stock 02079K107 2,071 21,540 SH   SOLE   21,540 0 0
Amazon.Com Common Stock 023135106 1,537 13,600 SH   SOLE   12,880 0 720
Apple Common Stock 037833100 22,682 164,121 SH   SOLE   163,975 0 146
Chevron Common Stock 166764100 1,511 10,518 SH   SOLE   10,518 0 0
DFA International Small Cap Value ETF ETF 25434V781 2,986 160,895 SH   SOLE   160,895 0 0
Dimensional ETF (trust Emerging Markets Core Equity 2 Etf) ETF 25434V732 3,651 178,626 SH   SOLE   178,626 0 0
Vanguard FTSE All-World ex-US ETF ETF 922042775 1,445 32,565 SH   SOLE   32,549 0 16
Vanguard Group DIV (app Etf) ETF 921908844 1,566 11,588 SH   SOLE   11,588 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357 508 3,991 SH   SOLE   3,991 0 0
iShares Core S&P Mid-Cap ETF 464287507 235 1,070 SH   SOLE   1,070 0 0
Berkshire Hathaway 'B' Common Stock 084670702 416 1,558 SH   SOLE   1,058 0 500
Facebook Class A Common Stock 30303M102 1,396 10,289 SH   SOLE   10,289 0 0
Coca Cola Common Stock 191216100 494 8,751 SH   SOLE   8,751 0 0
Microsoft Common Stock 594918104 643 2,762 SH   SOLE   2,670 0 92
Walt Disney Common Stock 254687106 394 4,179 SH   SOLE   4,165 0 14
Devon Energy Corp New Com Common Stock 25179M103 712 11,836 SH   SOLE   11,836 0 0
Nvidia Common Stock 67066G104 742 6,115 SH   SOLE   6,112 0 3
Thermo Fisher Scientific Common Stock 883556102 2,389 4,708 SH   SOLE   4,708 0 0
Sector SPDR TR SHS ETF 81369Y605 473 15,577 SH   SOLE   15,577 0 0
Vanguard Total Market Index ETF ETF 922908769 5,531 30,819 SH   SOLE   30,749 0 70
Industrial Select Sector SPDR Fund ETF ETF 81369Y704 239 2,887 SH   SOLE   2,887 0 0
iShares Core S&P 500 ETF 464287200 270 754 SH   SOLE   754 0 0
iShares S&P 500 ETF ETF 464287408 683 5,312 SH   SOLE   5,312 0 0
iShares S&P 500 Growth ETF ETF 464287309 362 6,256 SH   SOLE   6,256 0 0
Vanguard S&P 500 Growth ETF ETF 921932505 409 1,955 SH   SOLE   1,955 0 0
Invesco QQQ TR Unit (ser 1) ETF 46090E103 208 778 SH   SOLE   778 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556 492 4,210 SH   SOLE   4,210 0 0
Vanguard S&P 500 ETF ETF 922908363 1,087 3,296 SH   SOLE   3,296 0 0
Intuit Inc Common Stock 461202103 2,056 5,307 SH   SOLE   5,307 0 0
Microchip Technology Common Stock 595017104 488 8,000 SH   SOLE   8,000 0 0
Pfizer Common Stock 717081103 570 13,032 SH   SOLE   11,186 0 1,846
SPDR Dow Jones Indl ETF 78467X109 934 3,241 SH   SOLE   3,241 0 0
Korn Ferry Intl. Common Stock 500643200 316 6,717 SH   SOLE   6,717 0 0
International Bus.MCHS. Common Stock 459200101 224 1,884 SH   SOLE   1,884 0 0
iShares S&P Small Cap 600 ETF ETF 464287879 317 3,842 SH   SOLE   3,842 0 0
Schwab US Large Cap Value ETF ETF 808524409 1,049 17,928 SH   SOLE   17,928 0 0
SPDR S&P 500 ETF ETF 78462F103 647 1,803 SH   SOLE   1,803 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407 311 8,265 SH   SOLE   8,265 0 0
Tesla Motors Common Stock 88160R101 559 2,106 SH   SOLE   306 0 1,800
Pathfinder Bancp Inc Common Stock 70319R109 601 29,526 SH   SOLE   29,526 0 0
Schwab U.S. Broad Market ETF ETF 808524102 253 6,026 SH   SOLE   6,026 0 0
Alnylam Pharmaceuticals Common Stock 02043Q107 426 2,126 SH   SOLE   2,126 0 0
Johnson & Johnson Common Stock 478160104 749 4,588 SH   SOLE   4,588 0 0
Target Common Stock 87612E106 416 2,782 SH   SOLE   2,782 0 0
Vanguard Small-Cap Value ETF ETF 922908611 4,360 30,404 SH   SOLE   28,325 0 2,079
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848 1,053 49,665 SH   SOLE   49,665 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting ETF 535919500 74 10,698 SH   SOLE   10,698 0 0
Schwab International Equity ETF ETF 808524805 438 15,563 SH   SOLE   15,563 0 0
iShares TR U.S. PFD ETF 464288687 1,031 32,556 SH   SOLE   32,556 0 0
Charles Schwab Common Stock 808513105 599 8,329 SH   SOLE   8,329 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282 200 884 SH   SOLE   884 0 0
Cytodyn Inc Com Common Stock 23283M101 10 24,000 SH   SOLE   24,000 0 0