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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB LTD COM 000375204   1,379 42,635 SH   SOLE   0 0 42,635
ADVANCED MICRO DEVICES COM 007903107   10,842 99,161 SH   SOLE   0 0 99,161
ALPHABET INC CLASS A COM 02079K305   12,321 4,430 SH   SOLE   0 0 4,430
ALPHABET INC CLASS C COM 02079K107   455 163 SH   SOLE   0 0 163
ALTRIA GROUP INC COM 02209S103   1,603 30,681 SH   SOLE   0 0 30,681
AMAZON COM INC COM 023135106   24,782 7,602 SH   SOLE   0 0 7,602
APPLE INC COM 037833100   23,674 135,584 SH   SOLE   0 0 135,584
APPLIED MATERIALS INC COM 038222105   659 5,000 SH   SOLE   0 0 5,000
ASTEC INDUSTRIES INC COM 046224101   3,162 73,528 SH   SOLE   0 0 73,528
BRITISH AMERICAN TOBACCO PLC COM 110448107   5,872 139,272 SH   SOLE   0 0 139,272
CARETRUST REIT INC COM 14174T107   2,811 145,636 SH   SOLE   0 0 145,636
CHEVRON CORP COM 166764100   7,687 47,207 SH   SOLE   0 0 47,207
CISCO SYSTEMS INC COM 17275R102   343 6,153 SH   SOLE   0 0 6,153
COCA-COLA CO COM 191216100   6,941 111,954 SH   SOLE   0 0 111,954
CORNING INC COM 219350105   5,362 145,281 SH   SOLE   0 0 145,269
DELL INC COM 24703L202   3,462 68,984 SH   SOLE   0 0 68,984
DISCOVER FINANCIAL SVCS COM 254709108   7,279 66,062 SH   SOLE   0 0 66,062
ELMIRA SAVINGS BANK COM 289660102   2,532 110,444 SH   SOLE   0 0 110,444
EXXON MOBIL CORP COM 30231G102   983 11,901 SH   SOLE   0 0 11,901
F.N.B. CORP COM 302520101   187 15,000 SH   SOLE   0 0 15,000
GARMIN LTD COM H2906T109   5,456 45,998 SH   SOLE   0 0 45,998
GOLDMAN SACHS GROUP INC COM 38141G104   1,499 4,542 SH   SOLE   0 0 4,542
INTEL CORP COM 458140100   2,986 60,250 SH   SOLE   0 0 60,250
INTL BUSINESS MACHINES COM 459200101   5,422 41,702 SH   SOLE   0 0 41,702
INTUITIVE SURGICAL COM 46120E602   10,209 33,841 SH   SOLE   0 0 33,841
J.P. MORGAN CHASE & CO COM 46625H100   8,522 62,512 SH   SOLE   0 0 62,512
JOHNSON & JOHNSON COM 478160104   223 1,260 SH   SOLE   0 0 1,260
KEYCORP INC COM 493267108   3,020 134,942 SH   SOLE   0 0 134,942
LOWES COMPANIES INC COM 548661107   8,203 40,569 SH   SOLE   0 0 40,569
MEDTRONIC COM G5960L103   8,318 74,973 SH   SOLE   0 0 74,973
MERCK & CO INC COM 58933Y105   214 2,606 SH   SOLE   0 0 2,606
MICROSOFT CORP COM 594918104   15,403 49,959 SH   SOLE   0 0 49,959
MONDELEZ INTERNATIONAL INC COM 609207105   634 10,100 SH   SOLE   0 0 10,100
NEWMONT MINING CORP COM 651639106   9,460 119,071 SH   SOLE   0 0 119,071
NEXTERA ENERGY INC COM 65339F101   7,191 84,889 SH   SOLE   0 0 84,889
NIKE INC COM 654106103   1,473 10,945 SH   SOLE   0 0 10,945
NORTHROP GRUMMAN CORP COM 666807102   4,958 11,086 SH   SOLE   0 0 11,086
PARK HOTELS & RESORTS INC COM 700517105   3,460 177,181 SH   SOLE   0 0 177,181
PAYPAL HOLDINGS INC COM 70450Y103   4,992 43,165 SH   SOLE   0 0 43,165
PEPSICO INC COM 713448108   4,818 28,783 SH   SOLE   0 0 28,783
PHILIP MORRIS INTERNATIONAL IN COM 718172109   961 10,235 SH   SOLE   0 0 10,235
RAYTHEON TECHNOLOGIES CO COM 75513E101   8,073 81,484 SH   SOLE   0 0 81,484
TARGET CORP COM 87612E106   605 2,850 SH   SOLE   0 0 2,850
TC ENERGY CORP COM 87807B107   3,202 56,745 SH   SOLE   0 0 56,745
TELEDYNE TECHNOLOGIES INC COM 879360105   5,309 11,232 SH   SOLE   0 0 11,232
UNION PACIFIC CORP COM 907818108   5,032 18,417 SH   SOLE   0 0 18,417
VERISIGN INC COM 92343E102   433 1,945 SH   SOLE   0 0 1,945
VERIZON COMMUNICATIONS COM 92343V104   9,719 190,800 SH   SOLE   0 0 190,800
VISA INC CL A COM 92826c839   9,249 41,705 SH   SOLE   0 0 41,705
VMWARE INC COM 928563402   4,340 38,111 SH   SOLE   0 0 38,111
WALT DISNEY CO COM 254687106   4,030 29,385 SH   SOLE   0 0 29,385
ZOETIS INC COM 98978v103   4,447 23,581 SH   SOLE   0 0 23,581
FINANCIAL SPDR COM 81369Y605   2,782 72,601 SH   SOLE   0 0 72,601
INVESCO KBW BANK ETF COM 46138E628   3,964 62,194 SH   SOLE   0 0 62,194
INVESCO PREFERRED ETF COM 46138E511   2,242 165,197 SH   SOLE   0 0 165,197
INVESCO QQQ TRUST COM 46090E103   254 700 SH   SOLE   0 0 700
INVESCO S&P 500 EQ WEIGHT HC COM 46137V332   256 837 SH   SOLE   0 0 837
INVESCO S&P 500 LOW VOLATILIY COM 46138E354   2,966 44,202 SH   SOLE   0 0 44,202
ISHARES GLOBAL HEALTHCARE ETF COM 464287325   1,973 22,515 SH   SOLE   0 0 22,515
ISHARES NASDAQ BIOTECH INDX COM 464287556   8,423 64,642 SH   SOLE   0 0 64,642
ISHARES RUSSELL TOP 200 ETF COM 464289446   201 1,862 SH   SOLE   0 0 1,862
JPMORGAN DIVERSIFIED RETURN IN COM 46641Q209   1,289 22,809 SH   SOLE   0 0 22,809
NUVEEN ESG LARGE-CAP GROWTH ET COM 67092P201   5,243 86,330 SH   SOLE   0 0 86,330
SCHWAB INTERNATIONAL EQUITY COM 808524805   2,693 73,344 SH   SOLE   0 0 73,344
SCHWAB U.S. LARGE-CAP GROWTH E COM 808524300   716 9,572 SH   SOLE   0 0 9,572
SCHWAB US BROAD MARKET ETF COM 808524102   5,949 111,424 SH   SOLE   0 0 111,424
SCHWAB US DIVIDEND EQUITY ETF COM 808524797   255 3,227 SH   SOLE   0 0 3,227
SCHWAB US LARGE-CAP COM 808524201   26,275 487,923 SH   SOLE   0 0 487,807
SCHWAB US SMALL-CAP COM 808524607   441 9,308 SH   SOLE   0 0 9,308
SECTOR SPDR ENERGY SELECT SHAR COM 81369Y506   3,677 48,105 SH   SOLE   0 0 48,105
SELECT SECTOR SPDR MATERIALS F COM 81369Y100   2,147 24,356 SH   SOLE   0 0 24,356
SPDR S&P 500 ETF COM 78462F103   1,437 3,182 SH   SOLE   0 0 3,182
SPDR S&P 600 SMALL CAP ETF COM 78468R853   1,358 32,268 SH   SOLE   0 0 32,268
INVESCO INSURED NY MUNI BOND P COM 46138E529   404 16,900 SH   SOLE   0 0 16,900
ISHARES AAA - A RATED CORPORAT COM 46429b291   5,836 112,596 SH   SOLE   0 0 112,596
ISHARES CORE US AGGREGATE BOND COM 464287226   4,884 45,598 SH   SOLE   0 0 45,598
ISHARES ULTRA SHORT-TERM BOND COM 46434V878   1,166 23,249 SH   SOLE   0 0 23,249
PIMCO ETF TRUST COM 72201R783   667 6,931 SH   SOLE   0 0 6,931
PIMCO INVESTMENT GRADE CORP BO COM 72201R817   1,908 18,321 SH   SOLE   0 0 18,321
SCHWAB US AGGREGATE BOND COM 808524839   2,746 54,307 SH   SOLE   0 0 54,307
SCHWAB US TIPS ETF COM 808524870   1,780 29,314 SH   SOLE   0 0 29,314
SPDR BLMB BARCL SHORT TERM HIG COM 78468R408   1,595 60,798 SH   SOLE   0 0 60,798
ISHARES TR COMEX GOLD COM 464285105   707 19,209 SH   SOLE   0 0 19,209