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
DISNEY WALT COCOM2546871063,76222,239SH SOLE022,0240215
PFIZER INCCOM7170811032,53658,958SH SOLE058,95800
SPDR SER TRBLOMBERG BRC INV78468R2001,21439,611SH SOLE039,61100
DEERE & COCOM2441991051,8215,434SH SOLE05,43400
BECTON DICKINSON & COCOM0758871093201,300SH SOLE01,30000
SCHWAB STRATEGIC TRUS REIT ETF8085248472244,900SH SOLE04,90000
ISHARES TRMSCI USA MULTIFT46434V282187,4224,447,593SH SOLE04,200,4340247,159
DISCOVER FINL SVCSCOM2547091082211,799SH SOLE01,79900
ISHARES TREXPND TEC SC ETF4642875491,9874,923SH SOLE04,8030120
DANAHER CORPORATIONCOM235851102205674SH SOLE067400
SPDR S&P 500 ETF TRTR UNIT78462F1036041,407SH SOLE01,40700
ABBOTT LABSCOM0028241003853,260SH SOLE03,26000
PEPSICO INCCOM7134481083,51723,381SH SOLE023,38100
ISHARES TRTIPS BD ETF46428717635,587278,697SH SOLE0271,55707,140
AMPIO PHARMACEUTICALS INCCOM03209T1091710,000SH SOLE010,00000
VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF92194385859311,744SH SOLE011,74400
COGNIZANT TECHNOLOGY SOLUTIOCL A1924461022,50833,791SH SOLE033,5910200
COSTCO WHSL CORP NEWCOM22160K1052,7146,039SH SOLE05,999040
CVS HEALTH CORPCOM1266501002,04924,148SH SOLE024,14800
NEXTERA ENERGY INCCOM65339F1014,37055,649SH SOLE055,64900
UNION PAC CORPCOM9078181082,70813,816SH SOLE013,741075
PRUDENTIAL FINL INCCOM7443201021,41513,449SH SOLE013,3490100
CATERPILLAR INCCOM1491231011,4377,483SH SOLE07,438045
APPLE INCCOM03783310013,54195,694SH SOLE095,5690125
AT&T INCCOM00206R10253319,744SH SOLE019,74400
AMAZON COM INCCOM023135106923281SH SOLE027803
QUALCOMM INCCOM7475251033,32525,779SH SOLE025,732047
ISHARES INCMSCI EMERG MKT46434G88968,8541,334,373SH SOLE01,276,823057,550
NBT BANCORP INCCOM6287781022456,774SH SOLE06,77400
PHILIP MORRIS INTL INCCOM7181721097087,466SH SOLE07,46600
TOMPKINS FINL CORPCOM8901101094125,095SH SOLE05,09500
VANGUARD BD INDEX FDSSHORT TRM BOND9219378273974,840SH SOLE04,84000
COLGATE PALMOLIVE COCOM1941621032873,795SH SOLE03,79500
SCHWAB STRATEGIC TRUS SML CAP ETF8085246072022,019SH SOLE02,01900
ORACLE CORPCOM68389X1054,17347,893SH SOLE047,6680225
PROCTER AND GAMBLE COCOM7427181097635,455SH SOLE05,45500
EDWARDS LIFESCIENCES CORPCOM28176E1082011,773SH SOLE01,77300
WORLD GOLD TRSPDR GLD MINIS98149E20434,6621,985,244SH SOLE01,905,268079,976
ISHARES TRMSCI INTL MULTFT46434V274156,5295,393,841SH SOLE05,132,1020261,739
VANGUARD INDEX FDSGROWTH ETF9229087364031,388SH SOLE01,38800
NIKE INCCL B6541061037355,058SH SOLE05,05800
COMMUNITY BK SYS INCCOM20360710674110,829SH SOLE010,82900
ISHARES TRJPMORGAN USD EMG4642882816,46658,750SH SOLE058,0100740
ISHARES TRMSCI USA VALUE46432F38812,449123,621SH SOLE0116,34307,278
ULTA BEAUTY INCCOM90384S3033,77610,461SH SOLE010,406055
INTEL CORPCOM4581401002,97055,746SH SOLE055,74600
US BANCORP DELCOM NEW9029733042,80147,122SH SOLE047,12200
ISHARES TRINTRM GOV CR ETF464288612110,026955,671SH SOLE0930,889024,782
COMCAST CORP NEWCL A20030N1013746,690SH SOLE06,69000
GENERAL ELECTRIC COCOM NEW3696043013823,706SH SOLE03,70600
JPMORGAN CHASE & COCOM46625H1006,08337,162SH SOLE037,16200
CISCO SYS INCCOM17275R1022,62148,147SH SOLE048,14700
EXXON MOBIL CORPCOM30231G1021,57826,832SH SOLE026,83200
HERSHEY COCOM4278661082111,244SH SOLE01,24400
VANGUARD INTL EQUITY INDEX FALLWRLD EX US9220427753926,429SH SOLE06,42900
ABBVIE INCCOM00287Y1094504,170SH SOLE04,17000
CHEVRON CORP NEWCOM1667641001,14811,313SH SOLE011,31300
GENERAC HLDGS INCCOM3687361044091,000SH SOLE01,00000
BERKSHIRE HATHAWAY INC DELCL B NEW0846707029683,547SH SOLE03,54700
ISHARES INCCORE MSCI EMKT46434G1035619,080SH SOLE09,08000
VANGUARD STAR FDSVG TL INTL STK F9219097681,03416,350SH SOLE016,35000
VISA INCCOM CL A92826C8394,91322,055SH SOLE021,9250130
VANGUARD SPECIALIZED FUNDSDIV APP ETF9219088443,04219,806SH SOLE019,80600
VANGUARD INDEX FDSSML CP GRW ETF9229085953471,238SH SOLE01,23800
NORWOOD FINL CORPCOM66954910796237,432SH SOLE037,43200
NXP SEMICONDUCTORS N VCOMN6596X1094,07520,807SH SOLE020,717090
MONDELEZ INTL INCCL A6092071052,71446,646SH SOLE046,3960250
VANGUARD SCOTTSDALE FDSVNG RUS2000IDX92206C6647078,000SH SOLE08,00000
KLA CORPCOM NEW4824801003,76111,243SH SOLE011,188055
SPDR SER TRS&P BIOTECH78464A87017,479139,043SH SOLE0132,93106,112
AUTOMATIC DATA PROCESSING INCOM0530151036933,465SH SOLE03,390075
TJX COS INC NEWCOM8725401092,44537,055SH SOLE037,05500
FACEBOOK INCCL A30303M1024,84414,274SH SOLE014,214060
VANGUARD INDEX FDSSMALL CP ETF9229087515032,302SH SOLE02,30200
VANGUARD INDEX FDSTOTAL STK MKT9229087691,8088,144SH SOLE08,14400
ALTRIA GROUP INCCOM02209S1033257,130SH SOLE07,13000
HOME DEPOT INCCOM437076102314957SH SOLE095700
PUBLIC STORAGECOM74460D1095481,845SH SOLE01,84500
SKYWORKS SOLUTIONS INCCOM83088M1023,69922,447SH SOLE022,3470100
MCKESSON CORPCOM58155Q1033,15015,798SH SOLE015,708090
COCA COLA COCOM1912161002624,995SH SOLE04,99500
NETFLIX INCCOM64110L106209342SH SOLE034200
VANGUARD WELLINGTON FDUS MINIMUM9219354095155,271SH SOLE05,27100
VERIZON COMMUNICATIONS INCCOM92343V1041,91035,359SH SOLE035,35900
UNITEDHEALTH GROUP INCCOM91324P1024,26410,913SH SOLE010,873040
DOLLAR TREE INCCOM2567461082,41825,261SH SOLE025,1110150
NVIDIA CORPORATIONCOM67066G104201968SH SOLE096800
TESLA INCCOM88160R1011,6882,177SH SOLE02,17700
WASTE MGMT INC DELCOM94106L1092041,363SH SOLE01,36300
CSX CORPCOM12640810335011,784SH SOLE011,78400
DIMENSIONAL ETF TRUSTUS TARGETED VLU25434V60947610,714SH SOLE010,71400
INTERNATIONAL BUSINESS MACHSCOM4592001017385,309SH SOLE05,30900
VENTAS INCCOM92276F1002,21440,098SH SOLE040,09800
VANGUARD SCOTTSDALE FDSSHRT TRM CORP BD92206C409128,8191,563,143SH SOLE01,524,432038,711
GOLDMAN SACHS ETF TRACTIVEBETA INT38143010722,232650,632SH SOLE0637,986012,646
RAYTHEON TECHNOLOGIES CORPCOM75513E1012,86933,381SH SOLE033,1900191
BERKSHIRE HILLS BANCORP INCCOM0846801072208,146SH SOLE08,14600
CONMED CORPCOM2074101011,73713,277SH SOLE013,27700
VANGUARD WHITEHALL FDSEMERG MKT BD ETF92194688515,218194,350SH SOLE0189,10805,242
MERCK & CO INCCOM58933Y1052,64335,188SH SOLE035,18800
ISHARES TRMSCI USA SML CP46434V290182,5393,396,070SH SOLE03,244,5800151,490
MICROSOFT CORPCOM5949181046,46322,926SH SOLE022,876050
ISHARES TRRUSSELL 2000 ETF4642876556683,052SH SOLE03,05200
ISHARES TRRUS 1000 GRW ETF4642876145,34019,485SH SOLE019,48500
SPDR GOLD TRGOLD SHS78463V10711,74771,534SH SOLE070,9470587
ANTHEM INCCOM0367521032,2776,109SH SOLE06,10900
VANGUARD SCOTTSDALE FDSLG-TERM COR BD92206C8132642,500SH SOLE02,50000
BOOKING HOLDINGS INCCOM09857L1083,9791,676SH SOLE01,66907
GOLDMAN SACHS GROUP INCCOM38141G104282745SH SOLE074500
ALPHABET INCCAP STK CL A02079K305818306SH SOLE030600
PHILLIPS 66COM7185461041,67123,862SH SOLE023,86200
SPDR SER TRNUVEEN BLMBRG SR78468R7391,33527,030SH SOLE027,03000
ALPHABET INCCAP STK CL C02079K1075,7282,149SH SOLE02,136013
VANGUARD SCOTTSDALE FDSSHORT TERM TREAS92206C10212,713207,023SH SOLE0199,76107,262
HONEYWELL INTL INCCOM4385161063,55416,741SH SOLE016,74100
VANGUARD WELLINGTON FDUS MOMENTUM92193550825,347197,071SH SOLE0183,265013,806
VANGUARD SCOTTSDALE FDSINTER TERM TREAS92206C7065578,250SH SOLE08,25000
MORGAN STANLEYCOM NEW6174464484955,082SH SOLE05,08200
MEDTRONIC PLCSHSG5960L1032,79022,256SH SOLE022,25600
IMMUCELL CORPCOM PAR45252530627730,028SH SOLE030,02800
BLACKROCK INCCOM09247X1014,4635,321SH SOLE05,32100
VANGUARD MUN BD FDSTAX EXEMPT BD92290774622,961419,226SH SOLE0411,67607,550
LAM RESEARCH CORPCOM5128071083,7146,526SH SOLE06,496030
ISHARES TRMSCI USA MMENTM46432F39613,04174,268SH SOLE070,20104,067
M & T BK CORPCOM55261F1043,73825,033SH SOLE025,03300
VANGUARD INDEX FDSMCAP GR IDXVIP9229085385342,261SH SOLE02,26100
JOHNSON & JOHNSONCOM4781601043,48021,549SH SOLE021,469080
PPG INDS INCCOM6935061072531,767SH SOLE01,76700