The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it 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 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 |
PFIZER INC | COM | 717081103 | 2,212 | 61,047 | SH | SOLE | 0 | 61,047 | 0 | 0 | |
DISNEY WALT CO | COM | 254687106 | 4,411 | 23,908 | SH | SOLE | 0 | 23,693 | 0 | 215 | |
SPDR SER TR | BLOMBERG BRC INV | 78468R200 | 1,209 | 39,447 | SH | SOLE | 0 | 39,447 | 0 | 0 | |
BECTON DICKINSON & CO | COM | 075887109 | 316 | 1,300 | SH | SOLE | 0 | 1,300 | 0 | 0 | |
DEERE & CO | COM | 244199105 | 2,135 | 5,706 | SH | SOLE | 0 | 5,706 | 0 | 0 | |
SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | 207 | 5,044 | SH | SOLE | 0 | 5,044 | 0 | 0 | |
ISHARES TR | MSCI USA MULTIFT | 46434V282 | 186,911 | 4,599,178 | SH | SOLE | 0 | 4,341,576 | 0 | 257,602 | |
GENERAL ELECTRIC CO | COM | 369604103 | 394 | 29,971 | SH | SOLE | 0 | 29,971 | 0 | 0 | |
ISHARES TR | EXPND TEC SC ETF | 464287549 | 9,584 | 26,560 | SH | SOLE | 0 | 25,436 | 0 | 1,124 | |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 825 | 2,082 | SH | SOLE | 0 | 2,082 | 0 | 0 | |
ABBOTT LABS | COM | 002824100 | 391 | 3,260 | SH | SOLE | 0 | 3,260 | 0 | 0 | |
ISHARES TR | TIPS BD ETF | 464287176 | 31,832 | 253,638 | SH | SOLE | 0 | 247,113 | 0 | 6,525 | |
PEPSICO INC | COM | 713448108 | 3,394 | 23,996 | SH | SOLE | 0 | 23,996 | 0 | 0 | |
INTUITIVE SURGICAL INC | COM NEW | 46120E602 | 231 | 313 | SH | SOLE | 0 | 313 | 0 | 0 | |
AMPIO PHARMACEUTICALS INC | COM | 03209T109 | 321 | 190,000 | SH | SOLE | 0 | 190,000 | 0 | 0 | |
IPG PHOTONICS CORP | COM | 44980X109 | 359 | 1,700 | SH | SOLE | 0 | 1,700 | 0 | 0 | |
VANGUARD TAX-MANAGED INTL FD | FTSE DEV MKT ETF | 921943858 | 651 | 13,264 | SH | SOLE | 0 | 13,264 | 0 | 0 | |
COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 | 2,786 | 35,663 | SH | SOLE | 0 | 35,463 | 0 | 200 | |
CVS HEALTH CORP | COM | 126650100 | 1,911 | 25,407 | SH | SOLE | 0 | 25,407 | 0 | 0 | |
NEXTERA ENERGY INC | COM | 65339F101 | 4,204 | 55,604 | SH | SOLE | 0 | 55,604 | 0 | 0 | |
COSTCO WHSL CORP NEW | COM | 22160K105 | 2,239 | 6,353 | SH | SOLE | 0 | 6,313 | 0 | 40 | |
UNION PAC CORP | COM | 907818108 | 3,147 | 14,278 | SH | SOLE | 0 | 14,203 | 0 | 75 | |
PRUDENTIAL FINL INC | COM | 744320102 | 1,317 | 14,455 | SH | SOLE | 0 | 14,355 | 0 | 100 | |
VERIFYME INC | COM NEW | 92346X206 | 82 | 20,000 | SH | SOLE | 0 | 20,000 | 0 | 0 | |
CATERPILLAR INC | COM | 149123101 | 1,796 | 7,745 | SH | SOLE | 0 | 7,700 | 0 | 45 | |
APPLE INC | COM | 037833100 | 12,576 | 102,958 | SH | SOLE | 0 | 102,833 | 0 | 125 | |
AT&T INC | COM | 00206R102 | 313 | 10,336 | SH | SOLE | 0 | 10,336 | 0 | 0 | |
ARK ETF TR | INNOVATION ETF | 00214Q104 | 319 | 2,660 | SH | SOLE | 0 | 2,660 | 0 | 0 | |
AMAZON COM INC | COM | 023135106 | 1,327 | 429 | SH | SOLE | 0 | 426 | 0 | 3 | |
TRAVELCENTERS OF AMERICA INC | COM NEW | 89421B109 | 345 | 12,700 | SH | SOLE | 0 | 12,700 | 0 | 0 | |
MERCK & CO. INC | COM | 58933Y105 | 2,824 | 36,634 | SH | SOLE | 0 | 36,634 | 0 | 0 | |
ISHARES INC | MSCI EMERG MKT | 46434G889 | 66,628 | 1,280,567 | SH | SOLE | 0 | 1,226,692 | 0 | 53,875 | |
QUALCOMM INC | COM | 747525103 | 3,521 | 26,556 | SH | SOLE | 0 | 26,509 | 0 | 47 | |
NBT BANCORP INC | COM | 628778102 | 270 | 6,774 | SH | SOLE | 0 | 6,774 | 0 | 0 | |
PHILIP MORRIS INTL INC | COM | 718172109 | 665 | 7,497 | SH | SOLE | 0 | 7,497 | 0 | 0 | |
TOMPKINS FINL CORP | COM | 890110109 | 421 | 5,095 | SH | SOLE | 0 | 5,095 | 0 | 0 | |
ORACLE CORP | COM | 68389X105 | 3,585 | 51,085 | SH | SOLE | 0 | 50,835 | 0 | 250 | |
COLGATE PALMOLIVE CO | COM | 194162103 | 341 | 4,320 | SH | SOLE | 0 | 4,320 | 0 | 0 | |
VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 413 | 5,028 | SH | SOLE | 0 | 5,028 | 0 | 0 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 212 | 2,128 | SH | SOLE | 0 | 2,128 | 0 | 0 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 726 | 5,361 | SH | SOLE | 0 | 5,361 | 0 | 0 | |
NORFOLK SOUTHN CORP | COM | 655844108 | 209 | 780 | SH | SOLE | 0 | 780 | 0 | 0 | |
ISHARES TR | MSCI INTL MULTFT | 46434V274 | 141,882 | 4,941,912 | SH | SOLE | 0 | 4,696,986 | 0 | 244,926 | |
VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 364 | 1,418 | SH | SOLE | 0 | 1,418 | 0 | 0 | |
WORLD GOLD TR | SPDR GLD MINIS | 98149E204 | 29,612 | 1,741,853 | SH | SOLE | 0 | 1,671,227 | 0 | 70,626 | |
MODERNA INC | COM | 60770K107 | 220 | 1,680 | SH | SOLE | 0 | 1,680 | 0 | 0 | |
NIKE INC | CL B | 654106103 | 701 | 5,278 | SH | SOLE | 0 | 5,278 | 0 | 0 | |
COMMUNITY BK SYS INC | COM | 203607106 | 831 | 10,829 | SH | SOLE | 0 | 10,829 | 0 | 0 | |
ISHARES TR | MSCI USA VALUE | 46432F388 | 19,488 | 190,201 | SH | SOLE | 0 | 178,919 | 0 | 11,282 | |
ISHARES TR | JPMORGAN USD EMG | 464288281 | 6,565 | 60,297 | SH | SOLE | 0 | 59,557 | 0 | 740 | |
ULTA BEAUTY INC | COM | 90384S303 | 3,497 | 11,310 | SH | SOLE | 0 | 11,255 | 0 | 55 | |
COHERENT INC | COM | 192479103 | 474 | 1,875 | SH | SOLE | 0 | 1,875 | 0 | 0 | |
INTEL CORP | COM | 458140100 | 3,777 | 59,015 | SH | SOLE | 0 | 59,015 | 0 | 0 | |
US BANCORP DEL | COM NEW | 902973304 | 2,771 | 50,098 | SH | SOLE | 0 | 50,098 | 0 | 0 | |
ISHARES TR | INTRM GOV CR ETF | 464288612 | 98,711 | 859,404 | SH | SOLE | 0 | 838,273 | 0 | 21,131 | |
COMCAST CORP NEW | CL A | 20030N101 | 366 | 6,765 | SH | SOLE | 0 | 6,765 | 0 | 0 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 6,064 | 39,833 | SH | SOLE | 0 | 39,833 | 0 | 0 | |
CISCO SYS INC | COM | 17275R102 | 2,577 | 49,842 | SH | SOLE | 0 | 49,842 | 0 | 0 | |
BRISTOL-MYERS SQUIBB CO | COM | 110122108 | 201 | 3,188 | SH | SOLE | 0 | 3,188 | 0 | 0 | |
EXXON MOBIL CORP | COM | 30231G102 | 1,498 | 26,830 | SH | SOLE | 0 | 26,830 | 0 | 0 | |
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 390 | 6,420 | SH | SOLE | 0 | 6,420 | 0 | 0 | |
ABBVIE INC | COM | 00287Y109 | 451 | 4,170 | SH | SOLE | 0 | 4,170 | 0 | 0 | |
CHEVRON CORP NEW | COM | 166764100 | 1,680 | 16,031 | SH | SOLE | 0 | 16,031 | 0 | 0 | |
GENERAC HLDGS INC | COM | 368736104 | 327 | 1,000 | SH | SOLE | 0 | 1,000 | 0 | 0 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 890 | 3,482 | SH | SOLE | 0 | 3,482 | 0 | 0 | |
ISHARES INC | CORE MSCI EMKT | 46434G103 | 655 | 10,178 | SH | SOLE | 0 | 10,178 | 0 | 0 | |
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 941 | 15,000 | SH | SOLE | 0 | 15,000 | 0 | 0 | |
VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 340 | 1,238 | SH | SOLE | 0 | 1,238 | 0 | 0 | |
VISA INC | COM CL A | 92826C839 | 4,861 | 22,958 | SH | SOLE | 0 | 22,828 | 0 | 130 | |
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 3,221 | 21,899 | SH | SOLE | 0 | 21,899 | 0 | 0 | |
NXP SEMICONDUCTORS N V | COM | N6596X109 | 4,560 | 22,646 | SH | SOLE | 0 | 22,546 | 0 | 100 | |
NORWOOD FINL CORP | COM | 669549107 | 996 | 37,432 | SH | SOLE | 0 | 37,432 | 0 | 0 | |
MONDELEZ INTL INC | CL A | 609207105 | 2,862 | 48,891 | SH | SOLE | 0 | 48,641 | 0 | 250 | |
SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | 207 | 5,509 | SH | SOLE | 0 | 5,509 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | 713 | 4,000 | SH | SOLE | 0 | 4,000 | 0 | 0 | |
KLA CORP | COM NEW | 482480100 | 3,994 | 12,088 | SH | SOLE | 0 | 12,033 | 0 | 55 | |
SPDR SER TR | S&P BIOTECH | 78464A870 | 16,881 | 124,442 | SH | SOLE | 0 | 119,253 | 0 | 5,189 | |
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 658 | 3,490 | SH | SOLE | 0 | 3,390 | 0 | 100 | |
FACEBOOK INC | CL A | 30303M102 | 4,655 | 15,806 | SH | SOLE | 0 | 15,746 | 0 | 60 | |
TJX COS INC NEW | COM | 872540109 | 2,541 | 38,410 | SH | SOLE | 0 | 38,410 | 0 | 0 | |
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 493 | 2,302 | SH | SOLE | 0 | 2,302 | 0 | 0 | |
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,727 | 8,354 | SH | SOLE | 0 | 8,354 | 0 | 0 | |
ALTRIA GROUP INC | COM | 02209S103 | 371 | 7,247 | SH | SOLE | 0 | 7,247 | 0 | 0 | |
HOME DEPOT INC | COM | 437076102 | 300 | 982 | SH | SOLE | 0 | 982 | 0 | 0 | |
PUBLIC STORAGE | COM | 74460D109 | 455 | 1,845 | SH | SOLE | 0 | 1,845 | 0 | 0 | |
MCKESSON CORP | COM | 58155Q103 | 3,229 | 16,554 | SH | SOLE | 0 | 16,464 | 0 | 90 | |
SKYWORKS SOLUTIONS INC | COM | 83088M102 | 4,341 | 23,658 | SH | SOLE | 0 | 23,558 | 0 | 100 | |
COCA COLA CO | COM | 191216100 | 258 | 4,893 | SH | SOLE | 0 | 4,893 | 0 | 0 | |
VANGUARD WELLINGTON FD | US MINIMUM | 921935409 | 1,192 | 12,757 | SH | SOLE | 0 | 12,460 | 0 | 297 | |
NOKIA CORP | SPONSORED ADR | 654902204 | 40 | 10,003 | SH | SOLE | 0 | 10,003 | 0 | 0 | |
DOLLAR TREE INC | COM | 256746108 | 3,125 | 27,305 | SH | SOLE | 0 | 27,155 | 0 | 150 | |
TESLA INC | COM | 88160R101 | 1,636 | 2,450 | SH | SOLE | 0 | 2,450 | 0 | 0 | |
NOVOCURE LTD | ORD SHS | G6674U108 | 501 | 3,790 | SH | SOLE | 0 | 3,790 | 0 | 0 | |
VERIZON COMMUNICATIONS INC | COM | 92343V104 | 2,362 | 40,620 | SH | SOLE | 0 | 40,620 | 0 | 0 | |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 4,297 | 11,549 | SH | SOLE | 0 | 11,509 | 0 | 40 | |
CSX CORP | COM | 126408103 | 379 | 3,928 | SH | SOLE | 0 | 3,928 | 0 | 0 | |
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 694 | 5,211 | SH | SOLE | 0 | 5,211 | 0 | 0 | |
VENTAS INC | COM | 92276F100 | 2,317 | 43,446 | SH | SOLE | 0 | 43,446 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 87,046 | 1,055,100 | SH | SOLE | 0 | 1,028,494 | 0 | 26,606 | |
3M CO | COM | 88579Y101 | 227 | 1,180 | SH | SOLE | 0 | 1,180 | 0 | 0 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 | 22,792 | 689,818 | SH | SOLE | 0 | 677,606 | 0 | 12,212 | |
BERKSHIRE HILLS BANCORP INC | COM | 084680107 | 226 | 10,146 | SH | SOLE | 0 | 10,146 | 0 | 0 | |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 2,725 | 35,263 | SH | SOLE | 0 | 35,072 | 0 | 191 | |
CONMED CORP | COM | 207410101 | 1,734 | 13,277 | SH | SOLE | 0 | 13,277 | 0 | 0 | |
VANGUARD WHITEHALL FDS | EMERG MKT BD ETF | 921946885 | 13,300 | 171,607 | SH | SOLE | 0 | 167,155 | 0 | 4,452 | |
ISHARES TR | MSCI USA SML CP | 46434V290 | 169,307 | 3,227,971 | SH | SOLE | 0 | 3,082,249 | 0 | 145,722 | |
MICROSOFT CORP | COM | 594918104 | 5,872 | 24,907 | SH | SOLE | 0 | 24,857 | 0 | 50 | |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 673 | 3,045 | SH | SOLE | 0 | 3,045 | 0 | 0 | |
ISHARES TR | RUS 1000 GRW ETF | 464287614 | 5,424 | 22,316 | SH | SOLE | 0 | 22,316 | 0 | 0 | |
SPDR GOLD TR | GOLD SHS | 78463V107 | 11,782 | 73,657 | SH | SOLE | 0 | 73,068 | 0 | 589 | |
VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 | 560 | 5,535 | SH | SOLE | 0 | 5,535 | 0 | 0 | |
ANTHEM INC | COM | 036752103 | 2,279 | 6,349 | SH | SOLE | 0 | 6,349 | 0 | 0 | |
BOOKING HOLDINGS INC | COM | 09857L108 | 4,108 | 1,763 | SH | SOLE | 0 | 1,756 | 0 | 7 | |
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 244 | 745 | SH | SOLE | 0 | 745 | 0 | 0 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 662 | 321 | SH | SOLE | 0 | 321 | 0 | 0 | |
PHILLIPS 66 | COM | 718546104 | 2,516 | 30,862 | SH | SOLE | 0 | 30,862 | 0 | 0 | |
SPDR SER TR | NUVEEN BLMBRG SR | 78468R739 | 2,484 | 50,130 | SH | SOLE | 0 | 50,130 | 0 | 0 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 5,118 | 2,474 | SH | SOLE | 0 | 2,460 | 0 | 14 | |
VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 5,416 | 88,039 | SH | SOLE | 0 | 86,389 | 0 | 1,650 | |
HONEYWELL INTL INC | COM | 438516106 | 3,841 | 17,694 | SH | SOLE | 0 | 17,694 | 0 | 0 | |
VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 | 23,220 | 187,380 | SH | SOLE | 0 | 174,226 | 0 | 13,154 | |
VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | 319 | 4,750 | SH | SOLE | 0 | 4,750 | 0 | 0 | |
MORGAN STANLEY | COM NEW | 617446448 | 395 | 5,082 | SH | SOLE | 0 | 5,082 | 0 | 0 | |
ISHARES TR | CORE S&P500 ETF | 464287200 | 231 | 580 | SH | SOLE | 0 | 580 | 0 | 0 | |
MEDTRONIC PLC | SHS | G5960L103 | 2,730 | 23,112 | SH | SOLE | 0 | 23,112 | 0 | 0 | |
IMMUCELL CORP | COM PAR | 452525306 | 289 | 30,028 | SH | SOLE | 0 | 30,028 | 0 | 0 | |
BLACKROCK INC | COM | 09247X101 | 4,280 | 5,677 | SH | SOLE | 0 | 5,677 | 0 | 0 | |
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 22,899 | 419,090 | SH | SOLE | 0 | 411,540 | 0 | 7,550 | |
PACIFIC BIOSCIENCES CALIF IN | COM | 69404D108 | 566 | 17,000 | SH | SOLE | 0 | 17,000 | 0 | 0 | |
ISHARES TR | MSCI USA MMENTM | 46432F396 | 10,813 | 67,220 | SH | SOLE | 0 | 63,370 | 0 | 3,850 | |
LAM RESEARCH CORP | COM | 512807108 | 4,292 | 7,210 | SH | SOLE | 0 | 7,180 | 0 | 30 | |
M & T BK CORP | COM | 55261F104 | 4,189 | 27,630 | SH | SOLE | 0 | 27,630 | 0 | 0 | |
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 252 | 552 | SH | SOLE | 0 | 552 | 0 | 0 | |
VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 485 | 2,261 | SH | SOLE | 0 | 2,261 | 0 | 0 | |
JOHNSON & JOHNSON | COM | 478160104 | 3,634 | 22,114 | SH | SOLE | 0 | 22,034 | 0 | 80 | |
PPG INDS INC | COM | 693506107 | 268 | 1,782 | SH | SOLE | 0 | 1,782 | 0 | 0 |