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
ABB LTD COM 000375204 1,240 40,700 SH   SOLE   0 0 40,700
ALPHABET INC CLASS A COM 02079K305 9,882 4,791 SH   SOLE   0 0 4,791
ALPHABET INC CLASS C COM 02079K107 339 164 SH   SOLE   0 0 164
ALTRIA GROUP INC COM 02209S103 1,564 30,578 SH   SOLE   0 0 30,578
AMAZON COM INC COM 023135106 24,434 7,897 SH   SOLE   0 0 7,897
APPLE INC COM 037833100 17,856 146,184 SH   SOLE   0 0 146,184
APPLIED MATERIALS INC COM 038222105 668 5,000 SH   SOLE   0 0 5,000
BRITISH AMERICAN TOBACCO PLC COM 110448107 7,204 185,951 SH   SOLE   0 0 185,951
CARETRUST REIT INC COM 14174T107 3,020 129,700 SH   SOLE   0 0 129,700
CHEVRON CORP COM 166764100 6,293 60,055 SH   SOLE   0 0 60,055
CISCO SYSTEMS INC COM 17275R102 312 6,043 SH   SOLE   0 0 6,043
COCA-COLA CO COM 191216100 6,453 122,427 SH   SOLE   0 0 122,427
CORNING INC COM 219350105 6,553 150,598 SH   SOLE   0 0 150,586
CVS CORP COM 126650100 3,580 47,583 SH   SOLE   0 0 47,583
DISCOVER FINANCIAL SVCS COM 254709108 6,658 70,090 SH   SOLE   0 0 70,090
ELMIRA SAVINGS BANK COM 289660102 1,488 110,251 SH   SOLE   0 0 110,251
EXXON MOBIL CORP COM 30231G102 759 13,601 SH   SOLE   0 0 13,601
FLIR SYSTEMS INC COM 302445101 5,366 95,020 SH   SOLE   0 0 95,020
GARMIN LTD COM H2906T109 3,970 30,112 SH   SOLE   0 0 30,112
GENERAL ELECTRIC CO COM 369604103 234 17,802 SH   SOLE   0 0 17,802
GOLDMAN SACHS GROUP INC COM 38141G104 2,228 6,812 SH   SOLE   0 0 6,812
INTEL CORP COM 458140100 342 5,340 SH   SOLE   0 0 5,340
INTL BUSINESS MACHINES COM 459200101 1,360 10,207 SH   SOLE   0 0 10,207
INTUITIVE SURGICAL COM 46120E602 9,269 12,543 SH   SOLE   0 0 12,543
J.P. MORGAN CHASE & CO COM 46625H100 9,741 63,986 SH   SOLE   0 0 63,986
JOHNSON & JOHNSON COM 478160104 224 1,362 SH   SOLE   0 0 1,362
KEYCORP INC COM 493267108 3,191 159,711 SH   SOLE   0 0 159,711
LOWES COMPANIES INC COM 548661107 9,649 50,735 SH   SOLE   0 0 50,735
LYONDELLBASELL INDUSTRIES COM N53745100 4,782 45,956 SH   SOLE   0 0 45,956
MEDTRONIC COM G5960L103 9,577 81,070 SH   SOLE   0 0 81,070
MERCK & CO INC COM 58933Y105 225 2,914 SH   SOLE   0 0 2,914
MICROSOFT CORP COM 594918104 10,584 44,890 SH   SOLE   0 0 44,890
MONDELEZ INTERNATIONAL INC COM 609207105 629 10,750 SH   SOLE   0 0 10,750
NEWMONT MINING CORP COM 651639106 6,248 103,670 SH   SOLE   0 0 103,670
NEXTERA ENERGY INC COM 65339F101 6,033 79,785 SH   SOLE   0 0 79,785
NORTHROP GRUMMAN CORP COM 666807102 5,670 17,521 SH   SOLE   0 0 17,521
PEPSICO INC COM 713448108 4,236 29,946 SH   SOLE   0 0 29,946
PHILIP MORRIS INTERNATIONAL IN COM 718172109 990 11,157 SH   SOLE   0 0 11,157
RAYTHEON TECHNOLOGIES CO COM 75513E101 6,788 87,846 SH   SOLE   0 0 87,846
SPLUNK INC COM 848637104 6,194 45,720 SH   SOLE   0 0 45,720
TARGET CORP COM 87612E106 703 3,550 SH   SOLE   0 0 3,550
TC ENERGY CORP COM 87807B107 3,857 84,300 SH   SOLE   0 0 84,300
ULTA BEAUTY INC COM 90384S303 3,055 9,880 SH   SOLE   0 0 9,880
UNION PACIFIC CORP COM 907818108 3,241 14,705 SH   SOLE   0 0 14,705
VERISIGN INC COM 92343E102 387 1,945 SH   SOLE   0 0 1,945
VERIZON COMMUNICATIONS COM 92343V104 10,645 183,067 SH   SOLE   0 0 183,067
VISA INC CL A COM 92826c839 3,723 17,585 SH   SOLE   0 0 17,585
WALT DISNEY CO COM 254687106 599 3,245 SH   SOLE   0 0 3,245
XILINX INC COM 983919101 7,267 58,656 SH   SOLE   0 0 58,656
ZOETIS INC COM 98978v103 3,868 24,559 SH   SOLE   0 0 24,559
FINANCIAL SPDR COM 81369Y605 2,745 80,615 SH   SOLE   0 0 80,615
GRANITESHARES GOLD TRUST COM 38748G101 1,294 76,191 SH   SOLE   0 0 76,191
INVESCO DEFENSIVE EQUITY ETF COM 46138J775 339 5,554 SH   SOLE   0 0 5,554
INVESCO KBW BANK ETF COM 46138E628 4,019 64,935 SH   SOLE   0 0 64,935
INVESCO PREFERRED ETF COM 46138E511 4,299 286,622 SH   SOLE   0 0 286,622
INVESCO S&P 500 EQ WEIGHT HC COM 46137V332 255 950 SH   SOLE   0 0 950
INVESCO S&P 500 LOW VOLATILIY COM 46138E354 3,775 64,914 SH   SOLE   0 0 64,914
ISHARES NASDAQ BIOTECH INDX COM 464287556 9,693 64,381 SH   SOLE   0 0 64,381
ISHARES RUSSELL TOP 200 ETF COM 464289446 2,206 23,288 SH   SOLE   0 0 23,288
JPMORGAN DIVERSIFIED RETURN IN COM 46641Q209 1,131 18,545 SH   SOLE   0 0 18,545
SCHWAB INTERNATIONAL EQUITY COM 808524805 2,285 60,749 SH   SOLE   0 0 60,749
SCHWAB U.S. LARGE-CAP GROWTH E COM 808524300 1,005 7,746 SH   SOLE   0 0 7,746
SCHWAB US LARGE-CAP COM 808524201 21,723 226,211 SH   SOLE   0 0 226,153
SCHWAB US SMALL-CAP COM 808524607 1,771 17,773 SH   SOLE   0 0 17,773
SECTOR SPDR ENERGY SELECT SHAR COM 81369Y506 2,911 59,330 SH   SOLE   0 0 59,330
SELECT SECTOR SPDR MATERIALS F COM 81369Y100 2,258 28,660 SH   SOLE   0 0 28,660
SPDR S&P 500 ETF COM 78462F103 1,334 3,367 SH   SOLE   0 0 3,367
INVESCO BULLETSHARES 2021 CORP COM 46138J700 222 10,506 SH   SOLE   0 0 10,506
ISHARES AAA - A RATED CORPORAT COM 46429b291 9,484 171,100 SH   SOLE   0 0 171,100
ISHARES CORE US AGGREGATE BOND COM 464287226 3,842 33,749 SH   SOLE   0 0 33,749
ISHARES ULTRA SHORT-TERM BOND COM 46434V878 758 15,005 SH   SOLE   0 0 15,005
PIMCO ETF TRUST COM 72201R783 1,965 19,812 SH   SOLE   0 0 19,812
PIMCO INVESTMENT GRADE CORP BO COM 72201R817 4,956 44,480 SH   SOLE   0 0 44,480
PIMCO TOTAL RETURN ETF COM 72201R775 216 1,975 SH   SOLE   0 0 1,975
SCHWAB US AGGREGATE BOND COM 808524839 4,408 81,709 SH   SOLE   0 0 81,709
SCHWAB US TIPS ETF COM 808524870 4,469 73,065 SH   SOLE   0 0 73,065
ISHARES TR COMEX GOLD COM 464285105 625 38,419 SH   SOLE   0 0 38,419