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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ISHARES TRMSCI USA MULTIFT46434V282146,2464,405,012SH SOLE04,286,2960118,716
GENERAL ELECTRIC COCOM36960410319731,601SH SOLE031,60100
ISHARES TREXPND TEC SC ETF46428754921,58269,831SH SOLE068,17401,657
SPDR S&P 500 ETF TRTR UNIT78462F10303,000SHPutSOLE03,00000
SPDR SER TRBLOMBERG BRC INV78468R2001,76457,688SH SOLE057,616072
SPDR S&P 500 ETF TRTR UNIT78462F1036972,082SH SOLE02,08200
BECTON DICKINSON & COCOM0758871093091,330SH SOLE01,33000
AMPIO PHARMACEUTICALS INCCOM03209T109163170,000SH SOLE0170,00000
COGNIZANT TECHNOLOGY SOLUTIOCL A1924461022,81240,501SH SOLE037,94602,555
UNION PAC CORPCOM9078181083,13315,913SH SOLE015,1630750
ARK ETF TRINNOVATION ETF00214Q1042452,660SH SOLE02,66000
PRUDENTIAL FINL INCCOM7443201021,10517,392SH SOLE016,4470945
QUALCOMM INCCOM7475251034,11935,005SH SOLE033,16501,840
APPLE INCCOM03783310015,717135,712SH SOLE0131,05204,660
ISHARES INCMSCI EMERG MKT46434G88954,7571,247,870SH SOLE01,211,357036,513
PHILIP MORRIS INTL INCCOM7181721095617,475SH SOLE07,47500
VANGUARD INDEX FDSGROWTH ETF9229087363451,516SH SOLE01,51600
NORWOOD FINANCIAL CORPCOM6695491071,00941,497SH SOLE041,49700
COMMUNITY BK SYS INCCOM2036071065259,634SH SOLE09,63400
INTEL CORPCOM4581401003,51367,847SH SOLE065,00702,840
JPMORGAN CHASE & COCOM46625H1004,89850,873SH SOLE048,48402,389
COMCAST CORP NEWCL A20030N1013156,811SH SOLE06,81100
EXXON MOBIL CORPCOM30231G1021,04030,296SH SOLE030,29600
CHEVRON CORP NEWCOM1667641001,56621,748SH SOLE020,52801,220
VANGUARD INTL EQUITY INDEX FALLWRLD EX US9220427753486,895SH SOLE06,89500
ISHARES TRMSCI EAFE MIN VL46429B6896699,815SH SOLE09,0260789
ISHARES INCCORE MSCI EMKT46434G10356310,668SH SOLE010,66800
VANGUARD STAR FDSVG TL INTL STK F92190976878315,000SH SOLE015,00000
VANGUARD SPECIALIZED FUNDSDIV APP ETF9219088444,13632,148SH SOLE032,14800
NXP SEMICONDUCTORS N VCOMN6596X1093,52428,235SH SOLE026,83101,404
AUTOMATIC DATA PROCESSING INCOM0530151035203,731SH SOLE03,5860145
VANGUARD SCOTTSDALE FDSVNG RUS2000IDX92206C6646055,000SH SOLE05,00000
SPDR SER TRS&P BIOTECH78464A87015,057135,129SH SOLE0129,73705,392
TJX COS INC NEWCOM8725401092,42043,483SH SOLE041,17302,310
PUBLIC STORAGECOM74460D1094111,845SH SOLE01,84500
SKYWORKS SOLUTIONS INCCOM83088M1024,17328,683SH SOLE027,17801,505
COCA COLA COCOM1912161002374,801SH SOLE04,80100
VANGUARD WELLINGTON FDUS MINIMUM92193540916,813203,917SH SOLE0199,96203,955
VENTAS INCCOM92276F1002,22453,007SH SOLE049,83003,177
VERIZON COMMUNICATIONS INCCOM92343V1042,83847,698SH SOLE045,33302,365
NVIDIA CORPORATIONCOM67066G104207382SH SOLE038200
TESLA INCCOM88160R1011,1372,650SH SOLE02,65000
DOLLAR TREE INCCOM2567461082,84631,155SH SOLE029,51001,645
CSX CORPCOM1264081035987,705SH SOLE07,70500
GOLDMAN SACHS ETF TRACTIVEBETA INT38143010719,303685,711SH SOLE0673,498012,213
RAYTHEON TECHNOLOGIES CORPCOM75513E1012,27839,592SH SOLE037,68501,907
ISHARES TRMSCI USA SML CP46434V290110,1642,955,830SH SOLE02,867,811088,019
MICROSOFT CORPCOM5949181046,52731,031SH SOLE029,53101,500
ALPHABET INCCAP STK CL A02079K305473323SH SOLE032300
BOOKING HOLDINGS INCCOM09857L1083,6752,148SH SOLE02,0450103
VANGUARD SCOTTSDALE FDSSHORT TERM TREAS92206C1026,225100,260SH SOLE0100,26000
CATERPILLAR INC DELCOM1491231011,2838,605SH SOLE08,2000405
VANGUARD WELLINGTON FDUS MOMENTUM92193550818,325192,934SH SOLE0188,13004,804
MORGAN STANLEYCOM NEW6174464482785,752SH SOLE05,75200
BLACKROCK INCCOM09247X1013,9306,973SH SOLE06,6230350
VANGUARD MUN BD FDSTAX EXEMPT BD92290774623,670434,791SH SOLE0430,79104,000
MEDTRONIC PLCSHSG5960L1032,70526,029SH SOLE024,75401,275
PACIFIC BIOSCIENCES CALIF INCOM69404D10812813,000SH SOLE013,00000
JOHNSON & JOHNSONCOM4781601043,53923,770SH SOLE023,0800690
M & T BK CORPCOM55261F1043,00832,659SH SOLE031,39501,264
DISNEY WALT COCOM DISNEY2546871063,31926,751SH SOLE025,52201,229
PFIZER INCCOM7170811032,49067,836SH SOLE064,95102,885
DEERE & COCOM2441991051,4446,517SH SOLE06,1770340
PEPSICO INCCOM7134481083,61726,100SH SOLE025,1300970
ABBOTT LABSCOM0028241003723,421SH SOLE03,42100
ISHARES TRTIPS BD ETF46428717619,735156,007SH SOLE0154,11701,890
IPG PHOTONICS CORPCOM44980X1092891,700SH SOLE01,70000
COSTCO WHSL CORP NEWCOM22160K1052,4746,968SH SOLE06,6730295
VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF92194385854213,264SH SOLE013,26400
CVS HEALTH CORPCOM1266501001,72429,520SH SOLE027,94001,580
NEXTERA ENERGY INCCOM65339F1014,58916,533SH SOLE015,7230810
TRAVELERS COMPANIES INCCOM89417E1091,36512,615SH SOLE011,8900725
AMAZON COM INCCOM0231351061,203382SH SOLE037705
AT&T INCCOM00206R10235312,375SH SOLE012,37500
MERCK & CO. INCCOM58933Y1053,43141,360SH SOLE039,17002,190
BOEING COCOM0970231052351,423SH SOLE01,42300
VANGUARD BD INDEX FDSSHORT TRM BOND9219378274885,878SH SOLE05,87800
ORACLE CORPCOM68389X1053,47358,180SH SOLE055,12503,055
COLGATE PALMOLIVE COCOM1941621033534,580SH SOLE04,58000
WORLD GOLD TRSPDR GLD MINIS98149E20425,5651,359,838SH SOLE01,330,109029,729
ISHARES TRMSCI INTL MULTFT46434V274112,5714,632,545SH SOLE04,490,6680141,877
PROCTER AND GAMBLE COCOM7427181097455,361SH SOLE05,36100
ISHARES TRJPMORGAN USD EMG4642882816,78161,149SH SOLE060,7590390
NIKE INCCL B6541061036955,538SH SOLE05,53800
ULTA BEAUTY INCCOM90384S3033,00113,398SH SOLE012,7140684
COHERENT INCCOM1924791033242,925SH SOLE02,92500
US BANCORP DELCOM NEW9029733042,23562,334SH SOLE058,56703,767
ISHARES TRINTRM GOV CR ETF46428861282,840703,580SH SOLE0694,93508,645
CISCO SYS INCCOM17275R1022,20555,982SH SOLE053,34602,636
BRISTOL-MYERS SQUIBB COCOM1101221082353,890SH SOLE03,89000
BERKSHIRE HATHAWAY INC DELCL B NEW0846707027813,668SH SOLE03,66800
ABBVIE INCCOM00287Y1093764,298SH SOLE04,29800
VANGUARD INDEX FDSSML CP GRW ETF9229085952661,238SH SOLE01,23800
VISA INCCOM CL A92826C8395,63728,190SH SOLE026,53001,660
MONDELEZ INTL INCCL A6092071053,10754,076SH SOLE051,56602,510
KLA CORPCOM NEW4824801002,80114,455SH SOLE013,7300725
FACEBOOK INCCL A30303M1025,22819,962SH SOLE018,95101,011
VANGUARD INDEX FDSSMALL CP ETF9229087513542,302SH SOLE02,30200
ALTRIA GROUP INCCOM02209S1032797,210SH SOLE07,21000
HOME DEPOT INCCOM4370761023421,232SH SOLE01,23200
VANGUARD INDEX FDSTOTAL STK MKT9229087691,4928,760SH SOLE08,76000
VANGUARD SCOTTSDALE FDSLONG TERM TREAS92206C8476236,250SH SOLE06,25000
MCKESSON CORPCOM58155Q1032,84819,120SH SOLE018,07001,050
INTERNATIONAL BUSINESS MACHSCOM4592001016605,428SH SOLE05,42800
UNITEDHEALTH GROUP INCCOM91324P1024,31213,831SH SOLE013,0460785
VANGUARD SCOTTSDALE FDSSHRT TRM CORP BD92206C40964,919783,567SH SOLE0771,097012,470
NOVOCURE LTDORD SHSG6674U1084223,790SH SOLE03,79000
NOKIA CORPSPONSORED ADR65490220416442,003SH SOLE042,00300
BERKSHIRE HILLS BANCORP INCCOM08468010710310,146SH SOLE010,14600
ISHARES TRRUS 1000 GRW ETF4642876146,57430,312SH SOLE030,31200
ISHARES TRRUSSELL 2000 ETF4642876554793,200SH SOLE03,20000
CONMED CORPCOM2074101013985,065SH SOLE05,06500
VANGUARD WHITEHALL FDSEMERG MKT BD ETF92194688511,012139,565SH SOLE0137,35902,206
SPDR GOLD TRGOLD SHS78463V10713,07273,802SH SOLE073,4880314
VANGUARD SCOTTSDALE FDSLG-TERM COR BD92206C8132,68225,095SH SOLE025,09500
ANTHEM INCCOM0367521031,9007,074SH SOLE06,6740400
PHILLIPS 66COM7185461042,10740,648SH SOLE038,16402,484
ALPHABET INCCAP STK CL C02079K1074,9603,375SH SOLE03,1850190
HONEYWELL INTL INCCOM4385161063,52521,413SH SOLE020,30101,112
SPDR SER TRNUVEEN BLMBRG SR78468R7396,915138,660SH SOLE0137,41001,250
TOMPKINS FINANCIAL CORPORATICOM8901101093015,295SH SOLE05,29500
IMMUCELL CORPCOM PAR45252530616330,028SH SOLE030,02800
LAM RESEARCH CORPCOM5128071083,1039,354SH SOLE08,8540500
THERMO FISHER SCIENTIFIC INCCOM883556102217491SH SOLE049100
VANGUARD INDEX FDSMCAP GR IDXVIP9229085384072,261SH SOLE02,26100
PPG INDS INCCOM6935061072552,092SH SOLE02,09200