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
BECTON DICKINSON & CO COM 075887109 318 1,306 SH   SOLE 0 1,306 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 1,229 40,086 SH   SOLE 0 40,086 0 0
ISHARES TR MSCI USA MULTIFT 46434V282 196,378 4,585,053 SH   SOLE 0 4,331,253 0 253,800
GENERAL ELECTRIC CO COM 369604103 422 31,315 SH   SOLE 0 31,315 0 0
ISHARES TR EXPND TEC SC ETF 464287549 2,733 6,764 SH   SOLE 0 6,644 0 120
SPDR S&P 500 ETF TR TR UNIT 78462F103 891 2,082 SH   SOLE 0 2,082 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 288 313 SH   SOLE 0 313 0 0
AMPIO PHARMACEUTICALS INC COM 03209T109 317 190,000 SH   SOLE 0 190,000 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,407 34,751 SH   SOLE 0 34,551 0 200
UNION PAC CORP COM 907818108 3,105 14,120 SH   SOLE 0 14,045 0 75
PRUDENTIAL FINL INC COM 744320102 1,447 14,119 SH   SOLE 0 14,019 0 100
CATERPILLAR INC COM 149123101 1,665 7,650 SH   SOLE 0 7,605 0 45
APPLE INC COM 037833100 13,643 99,613 SH   SOLE 0 99,488 0 125
ARK ETF TR INNOVATION ETF 00214Q104 348 2,660 SH   SOLE 0 2,660 0 0
QUALCOMM INC COM 747525103 3,753 26,256 SH   SOLE 0 26,209 0 47
ISHARES INC MSCI EMERG MKT 46434G889 70,535 1,301,735 SH   SOLE 0 1,247,219 0 54,516
PHILIP MORRIS INTL INC COM 718172109 744 7,507 SH   SOLE 0 7,507 0 0
NORFOLK SOUTHN CORP COM 655844108 207 780 SH   SOLE 0 780 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 235 2,273 SH   SOLE 0 2,273 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 398 1,388 SH   SOLE 0 1,388 0 0
MODERNA INC COM 60770K107 395 1,680 SH   SOLE 0 1,680 0 0
COMMUNITY BK SYS INC COM 203607106 819 10,829 SH   SOLE 0 10,829 0 0
INTEL CORP COM 458140100 3,262 58,098 SH   SOLE 0 58,098 0 0
COMCAST CORP NEW CL A 20030N101 383 6,722 SH   SOLE 0 6,722 0 0
NIO INC SPON ADS 62914V106 226 4,244 SH   SOLE 0 4,244 0 0
JPMORGAN CHASE & CO COM 46625H100 5,897 37,914 SH   SOLE 0 37,914 0 0
EXXON MOBIL CORP COM 30231G102 1,704 27,009 SH   SOLE 0 27,009 0 0
HERSHEY CO COM 427866108 217 1,244 SH   SOLE 0 1,244 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 408 6,429 SH   SOLE 0 6,429 0 0
CHEVRON CORP NEW COM 166764100 1,585 15,136 SH   SOLE 0 15,136 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,051 16,000 SH   SOLE 0 16,000 0 0
ISHARES INC CORE MSCI EMKT 46434G103 695 10,379 SH   SOLE 0 10,379 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,194 20,633 SH   SOLE 0 20,633 0 0
NXP SEMICONDUCTORS N V COM N6596X109 4,412 21,449 SH   SOLE 0 21,359 0 90
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 202 5,109 SH   SOLE 0 5,109 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 741 8,000 SH   SOLE 0 8,000 0 0
SPDR SER TR S&P BIOTECH 78464A870 18,031 133,172 SH   SOLE 0 127,288 0 5,884
AUTOMATIC DATA PROCESSING IN COM 053015103 688 3,465 SH   SOLE 0 3,390 0 75
TJX COS INC NEW COM 872540109 2,558 37,940 SH   SOLE 0 37,940 0 0
PUBLIC STORAGE COM 74460D109 555 1,845 SH   SOLE 0 1,845 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 4,405 22,970 SH   SOLE 0 22,870 0 100
VANGUARD WELLINGTON FD US MINIMUM 921935409 570 5,792 SH   SOLE 0 5,742 0 50
COCA COLA CO COM 191216100 270 4,994 SH   SOLE 0 4,994 0 0
NETFLIX INC COM 64110L106 207 392 SH   SOLE 0 392 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,201 39,283 SH   SOLE 0 39,283 0 0
DOLLAR TREE INC COM 256746108 2,659 26,725 SH   SOLE 0 26,575 0 150
NVIDIA CORPORATION COM 67066G104 274 342 SH   SOLE 0 342 0 0
TESLA INC COM 88160R101 1,684 2,477 SH   SOLE 0 2,477 0 0
CSX CORP COM 126408103 378 11,784 SH   SOLE 0 11,784 0 0
VENTAS INC COM 92276F100 2,390 41,865 SH   SOLE 0 41,865 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 23,973 686,323 SH   SOLE 0 674,164 0 12,159
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,911 34,120 SH   SOLE 0 33,929 0 191
ISHARES TR MSCI USA SML CP 46434V290 181,740 3,313,392 SH   SOLE 0 3,166,665 0 146,727
MICROSOFT CORP COM 594918104 6,561 24,218 SH   SOLE 0 24,168 0 50
BOOKING HOLDINGS INC COM 09857L108 3,764 1,720 SH   SOLE 0 1,713 0 7
ALPHABET INC CAP STK CL A 02079K305 759 311 SH   SOLE 0 311 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,664 43,364 SH   SOLE 0 41,714 0 1,650
VANGUARD WELLINGTON FD US MOMENTUM 921935508 25,337 192,692 SH   SOLE 0 179,192 0 13,500
MORGAN STANLEY COM NEW 617446448 466 5,082 SH   SOLE 0 5,082 0 0
MEDTRONIC PLC SHS G5960L103 2,825 22,761 SH   SOLE 0 22,761 0 0
BLACKROCK INC COM 09247X101 4,773 5,455 SH   SOLE 0 5,455 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 23,210 419,705 SH   SOLE 0 412,155 0 7,550
PACIFIC BIOSCIENCES CALIF IN COM 69404D108 262 7,500 SH   SOLE 0 7,500 0 0
M & T BK CORP COM 55261F104 3,939 27,107 SH   SOLE 0 27,107 0 0
JOHNSON & JOHNSON COM 478160104 3,598 21,840 SH   SOLE 0 21,760 0 80
DISNEY WALT CO COM 254687106 4,156 23,646 SH   SOLE 0 23,431 0 215
PFIZER INC COM 717081103 2,370 60,517 SH   SOLE 0 60,517 0 0
DEERE & CO COM 244199105 1,986 5,631 SH   SOLE 0 5,631 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 224 4,900 SH   SOLE 0 4,900 0 0
DISCOVER FINL SVCS COM 254709108 213 1,799 SH   SOLE 0 1,799 0 0
ABBOTT LABS COM 002824100 380 3,278 SH   SOLE 0 3,278 0 0
PEPSICO INC COM 713448108 3,529 23,816 SH   SOLE 0 23,816 0 0
ISHARES TR TIPS BD ETF 464287176 34,274 267,742 SH   SOLE 0 260,948 0 6,794
IPG PHOTONICS CORP COM 44980X109 358 1,700 SH   SOLE 0 1,700 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 706 13,708 SH   SOLE 0 13,708 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,456 6,208 SH   SOLE 0 6,168 0 40
NEXTERA ENERGY INC COM 65339F101 4,011 54,729 SH   SOLE 0 54,729 0 0
CVS HEALTH CORP COM 126650100 2,109 25,276 SH   SOLE 0 25,276 0 0
VERIFYME INC COM NEW 92346X206 84 20,000 SH   SOLE 0 20,000 0 0
AT&T INC COM 00206R102 299 10,402 SH   SOLE 0 10,402 0 0
AMAZON COM INC COM 023135106 1,431 416 SH   SOLE 0 413 0 3
TRAVELCENTERS OF AMERICA INC COM NEW 89421B109 371 12,700 SH   SOLE 0 12,700 0 0
NBT BANCORP INC COM 628778102 244 6,774 SH   SOLE 0 6,774 0 0
TOMPKINS FINL CORP COM 890110109 395 5,095 SH   SOLE 0 5,095 0 0
ORACLE CORP COM 68389X105 3,853 49,505 SH   SOLE 0 49,280 0 225
COLGATE PALMOLIVE CO COM 194162103 333 4,091 SH   SOLE 0 4,091 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 402 4,890 SH   SOLE 0 4,890 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 210 2,019 SH   SOLE 0 2,019 0 0
PROCTER AND GAMBLE CO COM 742718109 740 5,486 SH   SOLE 0 5,486 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 154,597 5,144,643 SH   SOLE 0 4,893,977 0 250,666
WORLD GOLD TR SPDR GLD MINIS 98149E204 32,613 1,851,951 SH   SOLE 0 1,777,100 0 74,851
NIKE INC CL B 654106103 806 5,218 SH   SOLE 0 5,218 0 0
ISHARES TR JPMORGAN USD EMG 464288281 6,763 60,141 SH   SOLE 0 59,401 0 740
ISHARES TR MSCI USA VALUE 46432F388 21,455 204,219 SH   SOLE 0 192,748 0 11,471
ULTA BEAUTY INC COM 90384S303 3,750 10,846 SH   SOLE 0 10,791 0 55
COHERENT INC COM 192479103 245 925 SH   SOLE 0 925 0 0
US BANCORP DEL COM NEW 902973304 2,774 48,692 SH   SOLE 0 48,692 0 0
ISHARES TR INTRM GOV CR ETF 464288612 105,342 911,103 SH   SOLE 0 888,679 0 22,424
CISCO SYS INC COM 17275R102 2,613 49,311 SH   SOLE 0 49,311 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 220 3,297 SH   SOLE 0 3,297 0 0
ABBVIE INC COM 00287Y109 470 4,170 SH   SOLE 0 4,170 0 0
GENERAC HLDGS INC COM 368736104 415 1,000 SH   SOLE 0 1,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 957 3,443 SH   SOLE 0 3,443 0 0
VISA INC COM CL A 92826C839 5,251 22,456 SH   SOLE 0 22,326 0 130
VANGUARD INDEX FDS SML CP GRW ETF 922908595 359 1,238 SH   SOLE 0 1,238 0 0
NORWOOD FINL CORP COM 669549107 973 37,432 SH   SOLE 0 37,432 0 0
MONDELEZ INTL INC CL A 609207105 2,969 47,551 SH   SOLE 0 47,301 0 250
KLA CORP COM NEW 482480100 3,748 11,561 SH   SOLE 0 11,506 0 55
FACEBOOK INC CL A 30303M102 5,178 14,892 SH   SOLE 0 14,832 0 60
VANGUARD INDEX FDS SMALL CP ETF 922908751 519 2,302 SH   SOLE 0 2,302 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,866 8,374 SH   SOLE 0 8,374 0 0
ALTRIA GROUP INC COM 02209S103 346 7,263 SH   SOLE 0 7,263 0 0
HOME DEPOT INC COM 437076102 308 965 SH   SOLE 0 965 0 0
MCKESSON CORP COM 58155Q103 3,093 16,173 SH   SOLE 0 16,083 0 90
NOKIA CORP SPONSORED ADR 654902204 59 11,003 SH   SOLE 0 11,003 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,465 11,150 SH   SOLE 0 11,110 0 40
NOVOCURE LTD ORD SHS G6674U108 242 1,090 SH   SOLE 0 1,090 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 480 10,714 SH   SOLE 0 10,714 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 823 5,612 SH   SOLE 0 5,612 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 107,838 1,303,812 SH   SOLE 0 1,272,449 0 31,363
3M CO COM 88579Y101 236 1,190 SH   SOLE 0 1,190 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 251 9,146 SH   SOLE 0 9,146 0 0
CONMED CORP COM 207410101 1,825 13,277 SH   SOLE 0 13,277 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 14,771 185,026 SH   SOLE 0 180,093 0 4,933
MERCK & CO INC COM 58933Y105 2,809 36,119 SH   SOLE 0 36,119 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 729 3,179 SH   SOLE 0 3,179 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,632 20,746 SH   SOLE 0 20,746 0 0
SPDR GOLD TR GOLD SHS 78463V107 12,017 72,555 SH   SOLE 0 71,968 0 587
ANTHEM INC COM 036752103 2,387 6,252 SH   SOLE 0 6,252 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 283 745 SH   SOLE 0 745 0 0
PHILLIPS 66 COM 718546104 2,539 29,589 SH   SOLE 0 29,589 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 320 2,990 SH   SOLE 0 2,990 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,725 34,805 SH   SOLE 0 34,805 0 0
ALPHABET INC CAP STK CL C 02079K107 5,692 2,271 SH   SOLE 0 2,258 0 13
HONEYWELL INTL INC COM 438516106 3,773 17,199 SH   SOLE 0 17,199 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 475 7,000 SH   SOLE 0 7,000 0 0
ISHARES TR CORE S&P500 ETF 464287200 249 580 SH   SOLE 0 580 0 0
IMMUCELL CORP COM PAR 452525306 285 30,028 SH   SOLE 0 30,028 0 0
LAM RESEARCH CORP COM 512807108 4,336 6,664 SH   SOLE 0 6,634 0 30
ISHARES TR MSCI USA MMENTM 46432F396 12,470 71,904 SH   SOLE 0 67,960 0 3,944
THERMO FISHER SCIENTIFIC INC COM 883556102 278 552 SH   SOLE 0 552 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 534 2,261 SH   SOLE 0 2,261 0 0
PPG INDS INC COM 693506107 303 1,782 SH   SOLE 0 1,782 0 0