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
ISHARES TR MSCI EMG MKT ETF 464287234 907 20,214 SH   SOLE 0 20,214 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 223 3,455 SH   SOLE 0 3,455 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 7,144 31,068 SH   SOLE 0 30,788 0 280
DIAGEO P L C SPON ADR NEW 25243Q205 323 1,920 SH   SOLE 0 1,920 0 0
3M CO COM 88579Y101 1,406 7,971 SH   SOLE 0 7,971 0 0
MOODYS CORP COM 615369105 312 1,313 SH   SOLE 0 1,313 0 0
LINDE PLC SHS G5494J103 201 942 SH   SOLE 0 942 0 0
SYSCO CORP COM 871829107 554 6,471 SH   SOLE 0 6,471 0 0
INTEL CORP COM 458140100 208 3,481 SH   SOLE 0 3,481 0 0
MCDONALDS CORP COM 580135101 1,064 5,383 SH   SOLE 0 5,308 0 75
ISHARES TR TIPS BD ETF 464287176 233 2,000 SH   SOLE 0 2,000 0 0
FRANKLIN TEMPLETON ETF TR LIBERTY US ETF 35473P504 335 8,750 SH   SOLE 0 8,750 0 0
STARBUCKS CORP COM 855244109 12,534 142,565 SH   SOLE 0 141,290 0 1,275
WASTE MGMT INC DEL COM 94106L109 297 2,604 SH   SOLE 0 2,604 0 0
MICROSOFT CORP COM 594918104 30,748 194,979 SH   SOLE 0 193,479 0 1,500
UNION PACIFIC CORP COM 907818108 948 5,241 SH   SOLE 0 5,241 0 0
EXXON MOBIL CORP COM 30231G102 3,250 46,575 SH   SOLE 0 46,575 0 0
LILLY ELI & CO COM 532457108 10,910 83,009 SH   SOLE 0 82,200 0 809
CISCO SYS INC COM 17275R102 1,121 23,372 SH   SOLE 0 22,947 0 425
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,530 26,423 SH   SOLE 0 26,123 0 300
ALPHABET INC CAP STK CL C 02079K107 22,239 16,633 SH   SOLE 0 16,503 0 130
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 298 6,710 SH   SOLE 0 6,710 0 0
S&P GLOBAL INC COM 78409V104 7,574 27,740 SH   SOLE 0 27,445 0 295
HOME DEPOT INC COM 437076102 2,213 10,134 SH   SOLE 0 10,059 0 75
NOVARTIS A G SPONSORED ADR 66987V109 217 2,290 SH   SOLE 0 2,290 0 0
GMS INC COM 36251C103 1,611 59,500 SH   SOLE 0 59,500 0 0
ISHARES TR CORE S&P500 ETF 464287200 268 829 SH   SOLE 0 829 0 0
MEDTRONIC PLC SHS G5960L103 10,258 90,416 SH   SOLE 0 89,606 0 810
UNITED TECHNOLOGIES CORP COM 913017109 523 3,494 SH   SOLE 0 3,494 0 0
KIMBERLY CLARK CORP COM 494368103 442 3,210 SH   SOLE 0 3,210 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,201 5,303 SH   SOLE 0 5,303 0 0
HONEYWELL INTL INC COM 438516106 11,387 64,333 SH   SOLE 0 63,708 0 625
STRYKER CORP COM 863667101 656 3,125 SH   SOLE 0 3,125 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103 5,302 180,029 SH   SOLE 0 179,254 0 775
DISNEY WALT CO COM DISNEY 254687106 837 5,785 SH   SOLE 0 5,785 0 0
CONSTELLATION BRANDS INC CL A 21036P108 6,275 33,068 SH   SOLE 0 33,003 0 65
ARROW FINL CORP COM 042744102 445 11,769 SH   SOLE 0 11,769 0 0
TJX COS INC NEW COM 872540109 15,151 248,139 SH   SOLE 0 246,464 0 1,675
WALMART INC COM 931142103 207 1,744 SH   SOLE 0 1,744 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 324 11,826 SH   SOLE 0 11,826 0 0
CF INDS HLDGS INC COM 125269100 10,106 211,692 SH   SOLE 0 209,542 0 2,150
NIKE INC CL B 654106103 7,290 71,961 SH   SOLE 0 71,611 0 350
CHEVRON CORP NEW COM 166764100 8,691 72,115 SH   SOLE 0 71,430 0 685
SHERWIN WILLIAMS CO COM 824348106 674 1,155 SH   SOLE 0 1,155 0 0
METLIFE INC COM 59156R108 312 6,125 SH   SOLE 0 6,125 0 0
AFLAC INC COM 001055102 288 5,436 SH   SOLE 0 5,436 0 0
KELLY SVCS INC CL A 488152208 1,088 48,200 SH   SOLE 0 48,200 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,097 17,097 SH   SOLE 0 17,097 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 9,046 147,329 SH   SOLE 0 146,529 0 800
MERCK & CO INC COM 58933Y105 2,155 23,689 SH   SOLE 0 22,839 0 850
LAMB WESTON HLDGS INC COM 513272104 249 2,891 SH   SOLE 0 2,891 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,290 15,385 SH   SOLE 0 15,385 0 0
AMAZON COM INC COM 023135106 13,035 7,054 SH   SOLE 0 6,989 0 65
JPMORGAN CHASE & CO COM 46625H100 2,782 19,960 SH   SOLE 0 19,835 0 125
ROCKWELL AUTOMATION INC COM 773903109 222 1,097 SH   SOLE 0 1,097 0 0
DISCOVER FINL SVCS COM 254709108 8,674 102,266 SH   SOLE 0 101,121 0 1,145
UNITEDHEALTH GROUP INC COM 91324P102 11,625 39,543 SH   SOLE 0 39,160 0 383
SOUTHERN CO COM 842587107 256 4,015 SH   SOLE 0 3,515 0 500
COSTCO WHSL CORP NEW COM 22160K105 14,680 49,947 SH   SOLE 0 49,447 0 500
BOEING CO COM 097023105 7,242 22,230 SH   SOLE 0 22,110 0 120
ILLINOIS TOOL WKS INC COM 452308109 311 1,731 SH   SOLE 0 1,731 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 15,304 72,680 SH   SOLE 0 72,110 0 570
LIBERTY PPTY TR SH BEN INT 531172104 1,651 27,498 SH   SOLE 0 26,648 0 850
COCA COLA CO COM 191216100 835 15,087 SH   SOLE 0 15,087 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 728 3,424 SH   SOLE 0 3,424 0 0
ISHARES TR RUS MID CAP ETF 464287499 477 8,000 SH   SOLE 0 8,000 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 243 4,542 SH   SOLE 0 4,542 0 0
IQVIA HLDGS INC COM 46266C105 351 2,270 SH   SOLE 0 2,270 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 6,303 7,530 SH   SOLE 0 7,421 0 109
TEXAS INSTRS INC COM 882508104 11,197 87,282 SH   SOLE 0 86,722 0 560
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 657 8,149 SH   SOLE 0 7,984 0 165
PFIZER INC COM 717081103 1,171 29,898 SH   SOLE 0 29,898 0 0
MARATHON PETE CORP COM 56585A102 3,855 63,978 SH   SOLE 0 63,153 0 825
PNC FINL SVCS GROUP INC COM 693475105 14,332 89,780 SH   SOLE 0 88,975 0 805
BANK AMER CORP COM 060505104 11,507 326,730 SH   SOLE 0 323,430 0 3,300
W P CAREY INC COM 92936U109 1,089 13,600 SH   SOLE 0 13,250 0 350
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 604 24,225 SH   SOLE 0 24,225 0 0
ISHARES TR SP SMCP600VL ETF 464287879 824 5,125 SH   SOLE 0 5,125 0 0
PROCTER & GAMBLE CO COM 742718109 2,725 21,818 SH   SOLE 0 21,818 0 0
SUN CMNTYS INC COM 866674104 1,174 7,823 SH   SOLE 0 7,823 0 0
HORMEL FOODS CORP COM 440452100 316 7,000 SH   SOLE 0 7,000 0 0
CME GROUP INC COM 12572Q105 9,143 45,550 SH   SOLE 0 45,220 0 330
FORD MTR CO DEL COM 345370860 417 44,806 SH   SOLE 0 44,806 0 0
JOHNSON & JOHNSON COM 478160104 14,752 101,134 SH   SOLE 0 100,291 0 843
ROPER TECHNOLOGIES INC COM 776696106 14,517 40,981 SH   SOLE 0 40,577 0 404
VULCAN MATLS CO COM 929160109 284 1,975 SH   SOLE 0 1,975 0 0
DUPONT DE NEMOURS INC COM 26614N102 3,701 57,647 SH   SOLE 0 57,415 0 232
PEPSICO INC COM 713448108 12,780 93,509 SH   SOLE 0 92,674 0 835
AIR PRODS & CHEMS INC COM 009158106 452 1,922 SH   SOLE 0 1,747 0 175
RAYTHEON CO COM NEW 755111507 271 1,234 SH   SOLE 0 1,234 0 0
BIOGEN INC COM 09062X103 232 781 SH   SOLE 0 781 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 243 1,464 SH   SOLE 0 1,464 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 579 4,243 SH   SOLE 0 4,243 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 537 1,654 SH   SOLE 0 1,654 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 909 7,067 SH   SOLE 0 7,066 0 1
LAUDER ESTEE COS INC CL A 518439104 350 1,695 SH   SOLE 0 1,695 0 0
FACEBOOK INC CL A 30303M102 334 1,625 SH   SOLE 0 1,525 0 100
AUTOMATIC DATA PROCESSING IN COM 053015103 1,387 8,137 SH   SOLE 0 8,137 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 221 2,871 SH   SOLE 0 2,871 0 0
MASTERCARD INC CL A 57636Q104 20,492 68,628 SH   SOLE 0 67,978 0 650
NEXTERA ENERGY INC COM 65339F101 921 3,805 SH   SOLE 0 3,805 0 0
NORFOLK SOUTHERN CORP COM 655844108 226 1,164 SH   SOLE 0 1,164 0 0
MCCORMICK & CO INC COM NON VTG 579780206 11,525 67,899 SH   SOLE 0 67,349 0 550
ABBOTT LABS COM 002824100 16,703 192,294 SH   SOLE 0 190,458 0 1,836
ALPHABET INC CAP STK CL A 02079K305 384 287 SH   SOLE 0 287 0 0
FIFTH THIRD BANCORP COM 316773100 422 13,736 SH   SOLE 0 13,736 0 0
PROSHARES TR LARGE CAP CRE 74347R248 264 3,420 SH   SOLE 0 3,420 0 0
DANAHER CORPORATION COM 235851102 13,437 87,551 SH   SOLE 0 86,741 0 810
GENERAL ELECTRIC CO COM 369604103 151 13,573 SH   SOLE 0 13,573 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 343 1,064 SH   SOLE 0 1,064 0 0
BRISTOL MYERS SQUIBB CO RIGHT 99/99/9999 110122157 32 10,624 SH   SOLE 0 10,624 0 0
QUALCOMM INC COM 747525103 930 10,536 SH   SOLE 0 10,536 0 0
LOCKHEED MARTIN CORP COM 539830109 1,376 3,534 SH   SOLE 0 3,459 0 75
APPLE INC COM 037833100 25,197 85,807 SH   SOLE 0 85,187 0 620
KEYCORP NEW COM 493267108 283 13,962 SH   SOLE 0 13,962 0 0
DOLLAR TREE INC COM 256746108 10,330 109,832 SH   SOLE 0 108,782 0 1,050
GLOBAL PMTS INC COM 37940X102 739 4,050 SH   SOLE 0 4,050 0 0
ISHARES TR CORE S&P MCP ETF 464287507 367 1,781 SH   SOLE 0 1,781 0 0
TRUIST FINL CORP COM 89832Q109 647 11,483 SH   SOLE 0 11,483 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 8,236 61,443 SH   SOLE 0 61,033 0 410
ISHARES TR MSCI EAFE ETF 464287465 3,800 54,723 SH   SOLE 0 54,723 0 0
AT&T INC COM 00206R102 1,313 33,605 SH   SOLE 0 33,605 0 0