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
ISHARES TR MULTIFACTOR INTL 46434V274 56,919 2,400,617 SH   SOLE   2,400,617 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 34,095 260,447 SH   SOLE   260,447 0 0
VANGUARD GROUP DIV APP ETF 921908844 33,184 338,782 SH   SOLE   338,782 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,682 406,490 SH   SOLE   406,490 0 0
ISHARES TR INTRM GOV CR ETF 464288612 27,658 255,570 SH   SOLE   255,570 0 0
ISHARES TR MULTIFACTOR USA 46434V290 27,654 772,040 SH   SOLE   772,040 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 21,251 548,690 SH   SOLE   548,690 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 17,774 146,591 SH   SOLE   146,591 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 15,301 503,829 SH   SOLE   503,829 0 0
ISHARES TR CORE MSCI EAFE 46432F842 15,276 277,741 SH   SOLE   277,741 0 0
ISHARES INC CORE MSCI EMKT 46434G103 14,434 306,127 SH   SOLE   306,127 0 0
ISHARES TR TIPS BD ETF 464287176 13,288 121,344 SH   SOLE   121,344 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 10,858 81,093 SH   SOLE   81,093 0 0
APPLE INC COM 037833100 10,772 68,288 SH   SOLE   68,288 0 0
JPMORGAN CHASE & CO COM 46625H100 8,235 84,362 SH   SOLE   84,362 0 0
VISA INC COM CL A 92826C839 7,441 56,399 SH   SOLE   56,399 0 0
MERCK & CO INC COM 58933Y105 7,167 93,795 SH   SOLE   93,795 0 0
M & T BK CORP COM 55261F104 6,799 47,505 SH   SOLE   47,505 0 0
UNITEDHEALTH GROUP INC COM 91324P102 6,671 26,777 SH   SOLE   26,777 0 0
ANTHEM INC COM 036752103 6,631 25,250 SH   SOLE   25,250 0 0
MICROSOFT CORP COM 594918104 6,600 64,977 SH   SOLE   64,977 0 0
BLACKROCK INC COM 09247X101 6,439 16,393 SH   SOLE   16,393 0 0
NEXTERA ENERGY INC COM 65339F101 6,412 36,889 SH   SOLE   36,889 0 0
EXXON MOBIL CORP COM 30231G102 6,300 92,389 SH   SOLE   92,389 0 0
ALPHABET INC CAP STK CL C 02079K107 6,268 6,052 SH   SOLE   6,052 0 0
PFIZER INC COM 717081103 6,184 141,661 SH   SOLE   141,661 0 0
INTEL CORP COM 458140100 5,580 118,892 SH   SOLE   118,892 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,526 92,565 SH   SOLE   92,565 0 0
PEPSICO INC COM 713448108 5,349 48,417 SH   SOLE   48,417 0 0
DOLLAR TREE INC COM 256746108 5,214 57,729 SH   SOLE   57,729 0 0
CISCO SYS INC COM 17275R102 5,165 119,197 SH   SOLE   119,197 0 0
MEDTRONIC PLC SHS G5960L103 5,104 56,117 SH   SOLE   56,117 0 0
BANK NEW YORK MELLON CORP COM 064058100 4,800 101,969 SH   SOLE   101,969 0 0
JOHNSON & JOHNSON COM 478160104 4,798 37,181 SH   SOLE   37,181 0 0
PHILLIPS 66 COM 718546104 4,781 55,493 SH   SOLE   55,493 0 0
BB&T CORP COM 054937107 4,763 109,940 SH   SOLE   109,940 0 0
US BANCORP DEL COM NEW 902973304 4,688 102,575 SH   SOLE   102,575 0 0
ORACLE CORP COM 68389X105 4,650 102,995 SH   SOLE   102,995 0 0
DISNEY WALT CO COM DISNEY 254687106 4,458 40,661 SH   SOLE   40,661 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 4,406 78,366 SH   SOLE   78,366 0 0
TJX COS INC NEW COM 872540109 4,398 98,300 SH   SOLE   98,300 0 0
BOOKING HLDGS INC COM 09857L108 4,313 2,504 SH   SOLE   2,504 0 0
CVS HEALTH CORP COM 126650100 4,276 65,256 SH   SOLE   65,256 0 0
EXPEDIA GROUP INC COM NEW 30212P303 4,275 37,947 SH   SOLE   37,947 0 0
CHEVRON CORP NEW COM 166764100 4,060 37,322 SH   SOLE   37,322 0 0
MCKESSON CORP COM 58155Q103 3,935 35,625 SH   SOLE   35,625 0 0
MONDELEZ INTL INC CL A 609207105 3,883 97,005 SH   SOLE   97,005 0 0
PROCTER AND GAMBLE CO COM 742718109 3,830 41,664 SH   SOLE   41,664 0 0
QUALCOMM INC COM 747525103 3,787 66,544 SH   SOLE   66,544 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 3,688 55,024 SH   SOLE   55,024 0 0
UNION PAC CORP COM 907818108 3,684 26,648 SH   SOLE   26,648 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 3,652 147,247 SH   SOLE   147,247 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 3,563 49,657 SH   SOLE   49,657 0 0
TRAVELERS COMPANIES INC COM 89417E109 3,525 29,436 SH   SOLE   29,436 0 0
HEXCEL CORP NEW COM 428291108 3,469 60,492 SH   SOLE   60,492 0 0
FACEBOOK INC CL A 30303M102 3,333 25,429 SH   SOLE   25,429 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 3,139 49,455 SH   SOLE   49,455 0 0
WALMART INC COM 931142103 3,130 33,605 SH   SOLE   33,605 0 0
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 2,930 26,463 SH   SOLE   26,463 0 0
COLGATE PALMOLIVE CO COM 194162103 2,782 46,743 SH   SOLE   46,743 0 0
WILLIAMS SONOMA INC COM 969904101 2,736 54,230 SH   SOLE   54,230 0 0
HONEYWELL INTL INC COM 438516106 2,715 20,547 SH   SOLE   20,547 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,689 25,254 SH   SOLE   25,254 0 0
AT&T INC COM 00206R102 2,667 93,457 SH   SOLE   93,457 0 0
ENBRIDGE INC COM 29250N105 2,657 85,481 SH   SOLE   85,481 0 0
VENTAS INC COM 92276F100 2,632 44,925 SH   SOLE   44,925 0 0
ULTA BEAUTY INC COM 90384S303 2,615 10,679 SH   SOLE   10,679 0 0
NXP SEMICONDUCTORS N V COM N6596X109 2,594 35,404 SH   SOLE   35,404 0 0
PRUDENTIAL FINL INC COM 744320102 2,527 30,987 SH   SOLE   30,987 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,520 49,803 SH   SOLE   49,803 0 0
FASTENAL CO COM 311900104 2,516 48,124 SH   SOLE   48,124 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 2,469 117,251 SH   SOLE   117,251 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,460 19,275 SH   SOLE   19,275 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 2,352 27,968 SH   SOLE   27,968 0 0
CHURCH & DWIGHT INC COM 171340102 2,327 35,391 SH   SOLE   35,391 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,321 11,394 SH   SOLE   11,394 0 0
LAM RESEARCH CORP COM 512807108 2,285 16,784 SH   SOLE   16,784 0 0
BOEING CO COM 097023105 2,246 6,965 SH   SOLE   6,965 0 0
SCHEIN HENRY INC COM 806407102 2,242 28,550 SH   SOLE   28,550 0 0
KLA-TENCOR CORP COM 482480100 2,226 24,879 SH   SOLE   24,879 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,218 48,666 SH   SOLE   48,666 0 0
ISHARES TR MULTIFACTOR USA 46434V282 2,202 79,049 SH   SOLE   79,049 0 0
DEERE & CO COM 244199105 2,110 14,142 SH   SOLE   14,142 0 0
LINDE PLC COM G5494J103 2,085 13,363 SH   SOLE   13,363 0 0
TE CONNECTIVITY LTD REG SHS H84989104 1,999 26,435 SH   SOLE   26,435 0 0
CATERPILLAR INC DEL COM 149123101 1,931 15,198 SH   SOLE   15,198 0 0
XYLEM INC COM 98419M100 1,760 26,374 SH   SOLE   26,374 0 0
ALBEMARLE CORP COM 012653101 1,688 21,901 SH   SOLE   21,901 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,640 20,877 SH   SOLE   20,877 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,434 50,580 SH   SOLE   50,580 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,016 8,941 SH   SOLE   8,941 0 0
PHILIP MORRIS INTL INC COM 718172109 887 13,280 SH   SOLE   13,280 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 746 31,704 SH   SOLE   31,704 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 722 11,900 SH   SOLE   11,900 0 0
ALTRIA GROUP INC COM 02209S103 629 12,730 SH   SOLE   12,730 0 0
ISHARES TR MIN VOL USA ETF 46429B697 585 11,170 SH   SOLE   11,170 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 571 4,352 SH   SOLE   4,352 0 0
COMMUNITY BK SYS INC COM 203607106 569 9,762 SH   SOLE   9,762 0 0
GENERAL ELECTRIC CO COM 369604103 560 73,947 SH   SOLE   73,947 0 0
NBT BANCORP INC COM 628778102 530 15,320 SH   SOLE   15,320 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 528 2,588 SH   SOLE   2,588 0 0
CSX CORP COM 126408103 490 7,880 SH   SOLE   7,880 0 0
ABBVIE INC COM 00287Y109 489 5,302 SH   SOLE   5,302 0 0
IPG PHOTONICS CORP COM 44980X109 453 4,000 SH   SOLE   4,000 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 445 8,558 SH   SOLE   8,558 0 0
NIKE INC CL B 654106103 419 5,648 SH   SOLE   5,648 0 0
AMAZON COM INC COM 023135106 409 272 SH   SOLE   272 0 0
DELL TECHNOLOGIES INC CL C 24703L202 408 8,357 SH   SOLE   8,357 0 0
ALPHABET INC CAP STK CL A 02079K305 377 361 SH   SOLE   361 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 376 2,852 SH   SOLE   2,852 0 0
ABERDEEN STD GOLD ETF TR PHYSCL SWISS GLD 00326A104 374 3,023 SH   SOLE   3,023 0 0
PUBLIC STORAGE COM 74460D109 373 1,845 SH   SOLE   1,845 0 0
CONMED CORP COM 207410101 337 5,250 SH   SOLE   5,250 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 334 1,491 SH   SOLE   1,491 0 0
MCDONALDS CORP COM 580135101 321 1,808 SH   SOLE   1,808 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 309 5,802 SH   SOLE   5,802 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 306 3,048 SH   SOLE   3,048 0 0
BECTON DICKINSON & CO COM 075887109 300 1,330 SH   SOLE   1,330 0 0
COMCAST CORP NEW CL A 20030N101 287 8,428 SH   SOLE   8,428 0 0
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 284 8,626 SH   SOLE   8,626 0 0
COCA COLA CO COM 191216100 268 5,650 SH   SOLE   5,650 0 0
AMERICAN EXPRESS CO COM 025816109 267 2,805 SH   SOLE   2,805 0 0
ABBOTT LABS COM 002824100 267 3,692 SH   SOLE   3,692 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 250 9,261 SH   SOLE   9,261 0 0
PPG INDS INC COM 693506107 246 2,405 SH   SOLE   2,405 0 0
3M CO COM 88579Y101 225 1,181 SH   SOLE   1,181 0 0
ISHARES GOLD TRUST ISHARES 464285105 131 10,660 SH   SOLE   10,660 0 0
AMPIO PHARMACEUTICALS INC COM 03209T109 55 140,000 SH   SOLE   140,000 0 0
APOLLO ENDOSURGERY INC COM 03767D108 47 13,600 SH   SOLE   13,600 0 0
YOGAWORKS INC COM 986005106 5 10,000 SH   SOLE   10,000 0 0