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
INTEL CORP COM 458140100 6,314 117,587 SH   SOLE   117,587 0 0
VENTAS INC COM 92276F100 2,828 44,320 SH   SOLE   44,320 0 0
ENBRIDGE INC COM 29250N105 3,072 84,734 SH   SOLE   84,734 0 0
3M CO COM 88579Y101 236 1,138 SH   SOLE   1,138 0 0
FASTENAL CO COM 311900104 5,928 92,173 SH   SOLE   92,173 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 252 9,261 SH   SOLE   9,261 0 0
BANK NEW YORK MELLON CORP COM 064058100 5,018 99,513 SH   SOLE   99,513 0 0
MCDONALDS CORP COM 580135101 328 1,726 SH   SOLE   1,726 0 0
MONDELEZ INTL INC CL A 609207105 4,855 97,255 SH   SOLE   97,255 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 19,467 128,616 SH   SOLE   128,616 0 0
ISHARES TR TIPS BD ETF 464287176 14,492 128,172 SH   SOLE   128,172 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 25,258 590,820 SH   SOLE   590,820 0 0
EXXON MOBIL CORP COM 30231G102 7,365 91,149 SH   SOLE   91,149 0 0
UNION PACIFIC CORP COM 907818108 4,485 26,823 SH   SOLE   26,823 0 0
ISHARES TR SH TR CRPORT ETF 464288646 2,646 50,104 SH   SOLE   50,104 0 0
VANGUARD GROUP DIV APP ETF 921908844 19,612 178,874 SH   SOLE   178,874 0 0
ALPHABET INC CAP STK CL C 02079K107 7,136 6,082 SH   SOLE   6,082 0 0
LINDE PLC COM G5494J103 2,342 13,310 SH   SOLE   13,310 0 0
CISCO SYS INC COM 17275R102 6,298 116,652 SH   SOLE   116,652 0 0
BB&T CORP COM 054937107 5,025 107,990 SH   SOLE   107,990 0 0
MICROSOFT CORP COM 594918104 7,564 64,137 SH   SOLE   64,137 0 0
CATERPILLAR INC DEL COM 149123101 2,046 15,100 SH   SOLE   15,100 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,606 18,005 SH   SOLE   18,005 0 0
TE CONNECTIVITY LTD REG SHS H84989104 2,135 26,445 SH   SOLE   26,445 0 0
APOLLO ENDOSURGERY INC COM 03767D108 51 13,600 SH   SOLE   13,600 0 0
HOME DEPOT INC COM 437076102 295 1,535 SH   SOLE   1,535 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 76,174 2,893,048 SH   SOLE   2,893,048 0 0
ISHARES GOLD TRUST ISHARES 464285105 132 10,660 SH   SOLE   10,660 0 0
MEDTRONIC PLC SHS G5960L103 5,014 55,053 SH   SOLE   55,053 0 0
PPG INDS INC COM 693506107 271 2,405 SH   SOLE   2,405 0 0
HONEYWELL INTL INC COM 438516106 3,229 20,321 SH   SOLE   20,321 0 0
HEXCEL CORP NEW COM 428291108 4,186 60,532 SH   SOLE   60,532 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 2,442 28,073 SH   SOLE   28,073 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 520 2,588 SH   SOLE   2,588 0 0
BLACKROCK INC COM 09247X101 6,880 16,098 SH   SOLE   16,098 0 0
NXP SEMICONDUCTORS N V COM N6596X109 3,052 34,534 SH   SOLE   34,534 0 0
UNITED TECHNOLOGIES CORP COM 913017109 3,274 25,401 SH   SOLE   25,401 0 0
WALMART INC COM 931142103 3,249 33,311 SH   SOLE   33,311 0 0
TJX COS INC NEW COM 872540109 5,127 96,353 SH   SOLE   96,353 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 917 35,257 SH   SOLE   35,257 0 0
CSX CORP COM 126408103 590 7,880 SH   SOLE   7,880 0 0
WILLIAMS SONOMA INC COM 969904101 3,022 53,705 SH   SOLE   53,705 0 0
PHILIP MORRIS INTL INC COM 718172109 1,174 13,280 SH   SOLE   13,280 0 0
BOOKING HLDGS INC COM 09857L108 4,450 2,550 SH   SOLE   2,550 0 0
DISNEY WALT CO COM DISNEY 254687106 4,679 42,141 SH   SOLE   42,141 0 0
M & T BK CORP COM 55261F104 7,371 46,945 SH   SOLE   46,945 0 0
ULTA BEAUTY INC COM 90384S303 3,747 10,744 SH   SOLE   10,744 0 0
NIKE INC CL B 654106103 472 5,603 SH   SOLE   5,603 0 0
ISHARES TR MULTIFACTOR USA 46434V282 24,273 782,229 SH   SOLE   782,229 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 503 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 4,596 77,720 SH   SOLE   77,720 0 0
US BANCORP DEL COM NEW 902973304 4,855 100,750 SH   SOLE   100,750 0 0
MERCK & CO INC COM 58933Y105 7,648 91,956 SH   SOLE   91,956 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 408 8,558 SH   SOLE   8,558 0 0
ALTRIA GROUP INC COM 02209S103 730 12,708 SH   SOLE   12,708 0 0
CHEVRON CORP NEW COM 166764100 4,541 36,862 SH   SOLE   36,862 0 0
PUBLIC STORAGE COM 74460D109 402 1,845 SH   SOLE   1,845 0 0
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 2,002 15,581 SH   SOLE   15,581 0 0
AMERICAN EXPRESS CO COM 025816109 307 2,805 SH   SOLE   2,805 0 0
JPMORGAN CHASE & CO COM 46625H100 8,347 82,457 SH   SOLE   82,457 0 0
PRUDENTIAL FINL INC COM 744320102 2,864 31,174 SH   SOLE   31,174 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 333 6,047 SH   SOLE   6,047 0 0
CHURCH & DWIGHT INC COM 171340102 2,531 35,536 SH   SOLE   35,536 0 0
AMAZON COM INC COM 023135106 454 255 SH   SOLE   255 0 0
ABERDEEN STD GOLD ETF TR PHYSCL SWISS GLD 00326A104 374 2,999 SH   SOLE   2,999 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,506 432,625 SH   SOLE   432,625 0 0
BOEING CO COM 097023105 2,748 7,205 SH   SOLE   7,205 0 0
COCA COLA CO COM 191216100 282 6,016 SH   SOLE   6,016 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,775 11,459 SH   SOLE   11,459 0 0
MCKESSON CORP COM 58155Q103 4,396 37,550 SH   SOLE   37,550 0 0
TRAVELERS COMPANIES INC COM 89417E109 3,983 29,040 SH   SOLE   29,040 0 0
NBT BANCORP INC COM 628778102 552 15,320 SH   SOLE   15,320 0 0
COLGATE PALMOLIVE CO COM 194162103 340 4,965 SH   SOLE   4,965 0 0
UNITEDHEALTH GROUP INC COM 91324P102 6,727 27,208 SH   SOLE   27,208 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 4,484 54,364 SH   SOLE   54,364 0 0
KLA-TENCOR CORP COM 482480100 3,004 25,154 SH   SOLE   25,154 0 0
VISA INC COM CL A 92826C839 8,831 56,542 SH   SOLE   56,542 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 205 1,313 SH   SOLE   1,313 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,706 52,152 SH   SOLE   52,152 0 0
ORACLE CORP COM 68389X105 5,541 103,158 SH   SOLE   103,158 0 0
BECTON DICKINSON & CO COM 075887109 332 1,330 SH   SOLE   1,330 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,277 18,258 SH   SOLE   18,258 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,500 18,841 SH   SOLE   18,841 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 2,186 27,580 SH   SOLE   27,580 0 0
PFIZER INC COM 717081103 5,944 139,957 SH   SOLE   139,957 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 16,185 527,196 SH   SOLE   527,196 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 3,621 49,984 SH   SOLE   49,984 0 0
AMPIO PHARMACEUTICALS INC COM 03209T109 79 140,000 SH   SOLE   140,000 0 0
ABBVIE INC COM 00287Y109 427 5,302 SH   SOLE   5,302 0 0
ISHARES TR MULTIFACTOR USA 46434V290 39,921 995,294 SH   SOLE   995,294 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,132 68,082 SH   SOLE   68,082 0 0
PHILLIPS 66 COM 718546104 5,266 55,331 SH   SOLE   55,331 0 0
IPG PHOTONICS CORP COM 44980X109 258 1,700 SH   SOLE   1,700 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 19,923 163,292 SH   SOLE   163,292 0 0
ANTHEM INC COM 036752103 7,051 24,570 SH   SOLE   24,570 0 0
ISHARES INC CORE MSCI EMKT 46434G103 15,156 293,094 SH   SOLE   293,094 0 0
LAM RESEARCH CORP COM 512807108 2,953 16,499 SH   SOLE   16,499 0 0
PEPSICO INC COM 713448108 5,878 47,962 SH   SOLE   47,962 0 0
HEXO CORP COM 428304109 66 10,000 SH   SOLE   10,000 0 0
JOHNSON & JOHNSON COM 478160104 5,240 37,482 SH   SOLE   37,482 0 0
TOMPKINS FINANCIAL CORPORATI COM 890110109 525 6,895 SH   SOLE   6,895 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,294 45,739 SH   SOLE   45,739 0 0
PROCTER AND GAMBLE CO COM 742718109 4,347 41,782 SH   SOLE   41,782 0 0
FACEBOOK INC CL A 30303M102 4,127 24,758 SH   SOLE   24,758 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 12,020 78,513 SH   SOLE   78,513 0 0
DEERE & CO COM 244199105 2,223 13,907 SH   SOLE   13,907 0 0
YOGAWORKS INC COM 986005106 9 10,000 SH   SOLE   10,000 0 0
XYLEM INC COM 98419M100 2,098 26,542 SH   SOLE   26,542 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,245 92,373 SH   SOLE   92,373 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 695 4,352 SH   SOLE   4,352 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 10,001 110,454 SH   SOLE   110,454 0 0
TRAVELCENTERS AMER LLC COM 894174101 97 23,500 SH   SOLE   23,500 0 0
ALLSTATE CORP COM 020002101 217 2,300 SH   SOLE   2,300 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 3,995 151,722 SH   SOLE   151,722 0 0
ISHARES TR INTRM GOV CR ETF 464288612 30,276 274,583 SH   SOLE   274,583 0 0
MASTERCARD INC CL A 57636Q104 235 1,000 SH   SOLE   1,000 0 0
ABBOTT LABS COM 002824100 295 3,692 SH   SOLE   3,692 0 0
COMMUNITY BK SYS INC COM 203607106 1,024 17,127 SH   SOLE   17,127 0 0
CVS HEALTH CORP COM 126650100 3,596 66,676 SH   SOLE   66,676 0 0
ALPHABET INC CAP STK CL A 02079K305 425 361 SH   SOLE   361 0 0
COMCAST CORP NEW CL A 20030N101 336 8,416 SH   SOLE   8,416 0 0
NEXTERA ENERGY INC COM 65339F101 7,000 36,209 SH   SOLE   36,209 0 0
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 302 9,123 SH   SOLE   9,123 0 0
VANGUARD WELLINGTON FD US MINIMUM 921935409 3,644 44,115 SH   SOLE   44,115 0 0
QUALCOMM INC COM 747525103 3,749 65,737 SH   SOLE   65,737 0 0
GENERAL ELECTRIC CO COM 369604103 737 73,791 SH   SOLE   73,791 0 0
DOLLAR TREE INC COM 256746108 5,956 56,706 SH   SOLE   56,706 0 0
APPLE INC COM 037833100 12,665 66,675 SH   SOLE   66,675 0 0
NOVOCURE LTD ORD SHS G6674U108 207 4,300 SH   SOLE   4,300 0 0
AT&T INC COM 00206R102 2,874 91,659 SH   SOLE   91,659 0 0
CONMED CORP COM 207410101 437 5,250 SH   SOLE   5,250 0 0
EXPEDIA GROUP INC COM NEW 30212P303 4,571 38,412 SH   SOLE   38,412 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,210 8,579 SH   SOLE   8,579 0 0
ISHARES TR CORE MSCI EAFE 46432F842 15,694 258,246 SH   SOLE   258,246 0 0