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 |
DISNEY WALT CO | COM | 254687106 | 3,762 | 22,239 | SH | SOLE | 0 | 22,024 | 0 | 215 | |
PFIZER INC | COM | 717081103 | 2,536 | 58,958 | SH | SOLE | 0 | 58,958 | 0 | 0 | |
SPDR SER TR | BLOMBERG BRC INV | 78468R200 | 1,214 | 39,611 | SH | SOLE | 0 | 39,611 | 0 | 0 | |
DEERE & CO | COM | 244199105 | 1,821 | 5,434 | SH | SOLE | 0 | 5,434 | 0 | 0 | |
BECTON DICKINSON & CO | COM | 075887109 | 320 | 1,300 | SH | SOLE | 0 | 1,300 | 0 | 0 | |
SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | 224 | 4,900 | SH | SOLE | 0 | 4,900 | 0 | 0 | |
ISHARES TR | MSCI USA MULTIFT | 46434V282 | 187,422 | 4,447,593 | SH | SOLE | 0 | 4,200,434 | 0 | 247,159 | |
DISCOVER FINL SVCS | COM | 254709108 | 221 | 1,799 | SH | SOLE | 0 | 1,799 | 0 | 0 | |
ISHARES TR | EXPND TEC SC ETF | 464287549 | 1,987 | 4,923 | SH | SOLE | 0 | 4,803 | 0 | 120 | |
DANAHER CORPORATION | COM | 235851102 | 205 | 674 | SH | SOLE | 0 | 674 | 0 | 0 | |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 604 | 1,407 | SH | SOLE | 0 | 1,407 | 0 | 0 | |
ABBOTT LABS | COM | 002824100 | 385 | 3,260 | SH | SOLE | 0 | 3,260 | 0 | 0 | |
PEPSICO INC | COM | 713448108 | 3,517 | 23,381 | SH | SOLE | 0 | 23,381 | 0 | 0 | |
ISHARES TR | TIPS BD ETF | 464287176 | 35,587 | 278,697 | SH | SOLE | 0 | 271,557 | 0 | 7,140 | |
AMPIO PHARMACEUTICALS INC | COM | 03209T109 | 17 | 10,000 | SH | SOLE | 0 | 10,000 | 0 | 0 | |
VANGUARD TAX-MANAGED INTL FD | FTSE DEV MKT ETF | 921943858 | 593 | 11,744 | SH | SOLE | 0 | 11,744 | 0 | 0 | |
COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 | 2,508 | 33,791 | SH | SOLE | 0 | 33,591 | 0 | 200 | |
COSTCO WHSL CORP NEW | COM | 22160K105 | 2,714 | 6,039 | SH | SOLE | 0 | 5,999 | 0 | 40 | |
CVS HEALTH CORP | COM | 126650100 | 2,049 | 24,148 | SH | SOLE | 0 | 24,148 | 0 | 0 | |
NEXTERA ENERGY INC | COM | 65339F101 | 4,370 | 55,649 | SH | SOLE | 0 | 55,649 | 0 | 0 | |
UNION PAC CORP | COM | 907818108 | 2,708 | 13,816 | SH | SOLE | 0 | 13,741 | 0 | 75 | |
PRUDENTIAL FINL INC | COM | 744320102 | 1,415 | 13,449 | SH | SOLE | 0 | 13,349 | 0 | 100 | |
CATERPILLAR INC | COM | 149123101 | 1,437 | 7,483 | SH | SOLE | 0 | 7,438 | 0 | 45 | |
APPLE INC | COM | 037833100 | 13,541 | 95,694 | SH | SOLE | 0 | 95,569 | 0 | 125 | |
AT&T INC | COM | 00206R102 | 533 | 19,744 | SH | SOLE | 0 | 19,744 | 0 | 0 | |
AMAZON COM INC | COM | 023135106 | 923 | 281 | SH | SOLE | 0 | 278 | 0 | 3 | |
QUALCOMM INC | COM | 747525103 | 3,325 | 25,779 | SH | SOLE | 0 | 25,732 | 0 | 47 | |
ISHARES INC | MSCI EMERG MKT | 46434G889 | 68,854 | 1,334,373 | SH | SOLE | 0 | 1,276,823 | 0 | 57,550 | |
NBT BANCORP INC | COM | 628778102 | 245 | 6,774 | SH | SOLE | 0 | 6,774 | 0 | 0 | |
PHILIP MORRIS INTL INC | COM | 718172109 | 708 | 7,466 | SH | SOLE | 0 | 7,466 | 0 | 0 | |
TOMPKINS FINL CORP | COM | 890110109 | 412 | 5,095 | SH | SOLE | 0 | 5,095 | 0 | 0 | |
VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 397 | 4,840 | SH | SOLE | 0 | 4,840 | 0 | 0 | |
COLGATE PALMOLIVE CO | COM | 194162103 | 287 | 3,795 | SH | SOLE | 0 | 3,795 | 0 | 0 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 202 | 2,019 | SH | SOLE | 0 | 2,019 | 0 | 0 | |
ORACLE CORP | COM | 68389X105 | 4,173 | 47,893 | SH | SOLE | 0 | 47,668 | 0 | 225 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 763 | 5,455 | SH | SOLE | 0 | 5,455 | 0 | 0 | |
EDWARDS LIFESCIENCES CORP | COM | 28176E108 | 201 | 1,773 | SH | SOLE | 0 | 1,773 | 0 | 0 | |
WORLD GOLD TR | SPDR GLD MINIS | 98149E204 | 34,662 | 1,985,244 | SH | SOLE | 0 | 1,905,268 | 0 | 79,976 | |
ISHARES TR | MSCI INTL MULTFT | 46434V274 | 156,529 | 5,393,841 | SH | SOLE | 0 | 5,132,102 | 0 | 261,739 | |
VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 403 | 1,388 | SH | SOLE | 0 | 1,388 | 0 | 0 | |
NIKE INC | CL B | 654106103 | 735 | 5,058 | SH | SOLE | 0 | 5,058 | 0 | 0 | |
COMMUNITY BK SYS INC | COM | 203607106 | 741 | 10,829 | SH | SOLE | 0 | 10,829 | 0 | 0 | |
ISHARES TR | JPMORGAN USD EMG | 464288281 | 6,466 | 58,750 | SH | SOLE | 0 | 58,010 | 0 | 740 | |
ISHARES TR | MSCI USA VALUE | 46432F388 | 12,449 | 123,621 | SH | SOLE | 0 | 116,343 | 0 | 7,278 | |
ULTA BEAUTY INC | COM | 90384S303 | 3,776 | 10,461 | SH | SOLE | 0 | 10,406 | 0 | 55 | |
INTEL CORP | COM | 458140100 | 2,970 | 55,746 | SH | SOLE | 0 | 55,746 | 0 | 0 | |
US BANCORP DEL | COM NEW | 902973304 | 2,801 | 47,122 | SH | SOLE | 0 | 47,122 | 0 | 0 | |
ISHARES TR | INTRM GOV CR ETF | 464288612 | 110,026 | 955,671 | SH | SOLE | 0 | 930,889 | 0 | 24,782 | |
COMCAST CORP NEW | CL A | 20030N101 | 374 | 6,690 | SH | SOLE | 0 | 6,690 | 0 | 0 | |
GENERAL ELECTRIC CO | COM NEW | 369604301 | 382 | 3,706 | SH | SOLE | 0 | 3,706 | 0 | 0 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 6,083 | 37,162 | SH | SOLE | 0 | 37,162 | 0 | 0 | |
CISCO SYS INC | COM | 17275R102 | 2,621 | 48,147 | SH | SOLE | 0 | 48,147 | 0 | 0 | |
EXXON MOBIL CORP | COM | 30231G102 | 1,578 | 26,832 | SH | SOLE | 0 | 26,832 | 0 | 0 | |
HERSHEY CO | COM | 427866108 | 211 | 1,244 | SH | SOLE | 0 | 1,244 | 0 | 0 | |
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 392 | 6,429 | SH | SOLE | 0 | 6,429 | 0 | 0 | |
ABBVIE INC | COM | 00287Y109 | 450 | 4,170 | SH | SOLE | 0 | 4,170 | 0 | 0 | |
CHEVRON CORP NEW | COM | 166764100 | 1,148 | 11,313 | SH | SOLE | 0 | 11,313 | 0 | 0 | |
GENERAC HLDGS INC | COM | 368736104 | 409 | 1,000 | SH | SOLE | 0 | 1,000 | 0 | 0 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 968 | 3,547 | SH | SOLE | 0 | 3,547 | 0 | 0 | |
ISHARES INC | CORE MSCI EMKT | 46434G103 | 561 | 9,080 | SH | SOLE | 0 | 9,080 | 0 | 0 | |
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 1,034 | 16,350 | SH | SOLE | 0 | 16,350 | 0 | 0 | |
VISA INC | COM CL A | 92826C839 | 4,913 | 22,055 | SH | SOLE | 0 | 21,925 | 0 | 130 | |
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 3,042 | 19,806 | SH | SOLE | 0 | 19,806 | 0 | 0 | |
VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 347 | 1,238 | SH | SOLE | 0 | 1,238 | 0 | 0 | |
NORWOOD FINL CORP | COM | 669549107 | 962 | 37,432 | SH | SOLE | 0 | 37,432 | 0 | 0 | |
NXP SEMICONDUCTORS N V | COM | N6596X109 | 4,075 | 20,807 | SH | SOLE | 0 | 20,717 | 0 | 90 | |
MONDELEZ INTL INC | CL A | 609207105 | 2,714 | 46,646 | SH | SOLE | 0 | 46,396 | 0 | 250 | |
VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | 707 | 8,000 | SH | SOLE | 0 | 8,000 | 0 | 0 | |
KLA CORP | COM NEW | 482480100 | 3,761 | 11,243 | SH | SOLE | 0 | 11,188 | 0 | 55 | |
SPDR SER TR | S&P BIOTECH | 78464A870 | 17,479 | 139,043 | SH | SOLE | 0 | 132,931 | 0 | 6,112 | |
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 693 | 3,465 | SH | SOLE | 0 | 3,390 | 0 | 75 | |
TJX COS INC NEW | COM | 872540109 | 2,445 | 37,055 | SH | SOLE | 0 | 37,055 | 0 | 0 | |
FACEBOOK INC | CL A | 30303M102 | 4,844 | 14,274 | SH | SOLE | 0 | 14,214 | 0 | 60 | |
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 503 | 2,302 | SH | SOLE | 0 | 2,302 | 0 | 0 | |
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,808 | 8,144 | SH | SOLE | 0 | 8,144 | 0 | 0 | |
ALTRIA GROUP INC | COM | 02209S103 | 325 | 7,130 | SH | SOLE | 0 | 7,130 | 0 | 0 | |
HOME DEPOT INC | COM | 437076102 | 314 | 957 | SH | SOLE | 0 | 957 | 0 | 0 | |
PUBLIC STORAGE | COM | 74460D109 | 548 | 1,845 | SH | SOLE | 0 | 1,845 | 0 | 0 | |
SKYWORKS SOLUTIONS INC | COM | 83088M102 | 3,699 | 22,447 | SH | SOLE | 0 | 22,347 | 0 | 100 | |
MCKESSON CORP | COM | 58155Q103 | 3,150 | 15,798 | SH | SOLE | 0 | 15,708 | 0 | 90 | |
COCA COLA CO | COM | 191216100 | 262 | 4,995 | SH | SOLE | 0 | 4,995 | 0 | 0 | |
NETFLIX INC | COM | 64110L106 | 209 | 342 | SH | SOLE | 0 | 342 | 0 | 0 | |
VANGUARD WELLINGTON FD | US MINIMUM | 921935409 | 515 | 5,271 | SH | SOLE | 0 | 5,271 | 0 | 0 | |
VERIZON COMMUNICATIONS INC | COM | 92343V104 | 1,910 | 35,359 | SH | SOLE | 0 | 35,359 | 0 | 0 | |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 4,264 | 10,913 | SH | SOLE | 0 | 10,873 | 0 | 40 | |
DOLLAR TREE INC | COM | 256746108 | 2,418 | 25,261 | SH | SOLE | 0 | 25,111 | 0 | 150 | |
NVIDIA CORPORATION | COM | 67066G104 | 201 | 968 | SH | SOLE | 0 | 968 | 0 | 0 | |
TESLA INC | COM | 88160R101 | 1,688 | 2,177 | SH | SOLE | 0 | 2,177 | 0 | 0 | |
WASTE MGMT INC DEL | COM | 94106L109 | 204 | 1,363 | SH | SOLE | 0 | 1,363 | 0 | 0 | |
CSX CORP | COM | 126408103 | 350 | 11,784 | SH | SOLE | 0 | 11,784 | 0 | 0 | |
DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | 476 | 10,714 | SH | SOLE | 0 | 10,714 | 0 | 0 | |
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 738 | 5,309 | SH | SOLE | 0 | 5,309 | 0 | 0 | |
VENTAS INC | COM | 92276F100 | 2,214 | 40,098 | SH | SOLE | 0 | 40,098 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 128,819 | 1,563,143 | SH | SOLE | 0 | 1,524,432 | 0 | 38,711 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 | 22,232 | 650,632 | SH | SOLE | 0 | 637,986 | 0 | 12,646 | |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 2,869 | 33,381 | SH | SOLE | 0 | 33,190 | 0 | 191 | |
BERKSHIRE HILLS BANCORP INC | COM | 084680107 | 220 | 8,146 | SH | SOLE | 0 | 8,146 | 0 | 0 | |
CONMED CORP | COM | 207410101 | 1,737 | 13,277 | SH | SOLE | 0 | 13,277 | 0 | 0 | |
VANGUARD WHITEHALL FDS | EMERG MKT BD ETF | 921946885 | 15,218 | 194,350 | SH | SOLE | 0 | 189,108 | 0 | 5,242 | |
MERCK & CO INC | COM | 58933Y105 | 2,643 | 35,188 | SH | SOLE | 0 | 35,188 | 0 | 0 | |
ISHARES TR | MSCI USA SML CP | 46434V290 | 182,539 | 3,396,070 | SH | SOLE | 0 | 3,244,580 | 0 | 151,490 | |
MICROSOFT CORP | COM | 594918104 | 6,463 | 22,926 | SH | SOLE | 0 | 22,876 | 0 | 50 | |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 668 | 3,052 | SH | SOLE | 0 | 3,052 | 0 | 0 | |
ISHARES TR | RUS 1000 GRW ETF | 464287614 | 5,340 | 19,485 | SH | SOLE | 0 | 19,485 | 0 | 0 | |
SPDR GOLD TR | GOLD SHS | 78463V107 | 11,747 | 71,534 | SH | SOLE | 0 | 70,947 | 0 | 587 | |
ANTHEM INC | COM | 036752103 | 2,277 | 6,109 | SH | SOLE | 0 | 6,109 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 | 264 | 2,500 | SH | SOLE | 0 | 2,500 | 0 | 0 | |
BOOKING HOLDINGS INC | COM | 09857L108 | 3,979 | 1,676 | SH | SOLE | 0 | 1,669 | 0 | 7 | |
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 282 | 745 | SH | SOLE | 0 | 745 | 0 | 0 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 818 | 306 | SH | SOLE | 0 | 306 | 0 | 0 | |
PHILLIPS 66 | COM | 718546104 | 1,671 | 23,862 | SH | SOLE | 0 | 23,862 | 0 | 0 | |
SPDR SER TR | NUVEEN BLMBRG SR | 78468R739 | 1,335 | 27,030 | SH | SOLE | 0 | 27,030 | 0 | 0 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 5,728 | 2,149 | SH | SOLE | 0 | 2,136 | 0 | 13 | |
VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 12,713 | 207,023 | SH | SOLE | 0 | 199,761 | 0 | 7,262 | |
HONEYWELL INTL INC | COM | 438516106 | 3,554 | 16,741 | SH | SOLE | 0 | 16,741 | 0 | 0 | |
VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 | 25,347 | 197,071 | SH | SOLE | 0 | 183,265 | 0 | 13,806 | |
VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | 557 | 8,250 | SH | SOLE | 0 | 8,250 | 0 | 0 | |
MORGAN STANLEY | COM NEW | 617446448 | 495 | 5,082 | SH | SOLE | 0 | 5,082 | 0 | 0 | |
MEDTRONIC PLC | SHS | G5960L103 | 2,790 | 22,256 | SH | SOLE | 0 | 22,256 | 0 | 0 | |
IMMUCELL CORP | COM PAR | 452525306 | 277 | 30,028 | SH | SOLE | 0 | 30,028 | 0 | 0 | |
BLACKROCK INC | COM | 09247X101 | 4,463 | 5,321 | SH | SOLE | 0 | 5,321 | 0 | 0 | |
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 22,961 | 419,226 | SH | SOLE | 0 | 411,676 | 0 | 7,550 | |
LAM RESEARCH CORP | COM | 512807108 | 3,714 | 6,526 | SH | SOLE | 0 | 6,496 | 0 | 30 | |
ISHARES TR | MSCI USA MMENTM | 46432F396 | 13,041 | 74,268 | SH | SOLE | 0 | 70,201 | 0 | 4,067 | |
M & T BK CORP | COM | 55261F104 | 3,738 | 25,033 | SH | SOLE | 0 | 25,033 | 0 | 0 | |
VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 534 | 2,261 | SH | SOLE | 0 | 2,261 | 0 | 0 | |
JOHNSON & JOHNSON | COM | 478160104 | 3,480 | 21,549 | SH | SOLE | 0 | 21,469 | 0 | 80 | |
PPG INDS INC | COM | 693506107 | 253 | 1,767 | SH | SOLE | 0 | 1,767 | 0 | 0 |