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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   1,061,106 8,848 SH   SOLE   0 0 8,848
ABBOTT LABS COM 002824100   306,942 2,795 SH   SOLE   0 0 2,795
ABBVIE INC COM 00287Y109   330,480 2,044 SH   SOLE   0 0 2,044
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   176,534 10,105 SH   SOLE   0 0 10,105
AIR PRODS & CHEMS INC COM 009158106   612,004 1,985 SH   SOLE   0 0 1,985
ALLSTATE CORP COM 020002101   213,163 1,572 SH   SOLE   0 0 1,572
ALPHABET INC CAP STK CL A 02079K305   575,171 6,519 SH   SOLE   0 0 6,519
ALPHABET INC CAP STK CL C 02079K107   314,370 3,543 SH   SOLE   0 0 3,543
ALPS ETF TR CLEAN ENERGY 00162Q460   212,064 4,661 SH   SOLE   0 0 4,661
ALPS ETF TR SECTR DIV DOGS 00162Q858   292,634 5,688 SH   SOLE   0 0 5,688
AMAZON COM INC COM 023135106   845,460 10,065 SH   SOLE   0 0 10,065
AMERICAN EXPRESS CO COM 025816109   223,989 1,516 SH   SOLE   0 0 1,516
AMGEN INC COM 031162100   2,071,611 7,887 SH   SOLE   0 0 7,887
AON PLC SHS CL A G0403H108   319,306 1,063 SH   SOLE   0 0 1,063
APPLE INC COM 037833100   4,384,460 33,744 SH   SOLE   0 0 33,744
ARK ETF TR FINTECH INNOVA 00214Q708   166,631 11,677 SH   SOLE   0 0 11,677
ASTRAZENECA PLC SPONSORED ADR 046353108   249,248 3,676 SH   SOLE   0 0 3,676
AT&T INC COM 00206R102   779,827 42,358 SH   SOLE   0 0 42,358
BANK AMERICA CORP COM 060505104   488,006 14,734 SH   SOLE   0 0 14,734
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,168,169 7,019 SH   SOLE   0 0 7,019
BLACKSTONE INC COM 09260D107   1,614,925 21,767 SH   SOLE   0 0 21,767
BOEING CO COM 097023105   258,638 1,357 SH   SOLE   0 0 1,357
BRISTOL-MYERS SQUIBB CO COM 110122108   425,787 5,917 SH   SOLE   0 0 5,917
CATERPILLAR INC COM 149123101   2,408,207 10,052 SH   SOLE   0 0 10,052
CHEVRON CORP NEW COM 166764100   3,605,840 20,089 SH   SOLE   0 0 20,089
CIGNA CORP NEW COM 125523100   243,410 734 SH   SOLE   0 0 734
CISCO SYS INC COM 17275R102   1,262,350 26,497 SH   SOLE   0 0 26,497
CITIZENS & NORTHN CORP COM 172922106   825,659 36,118 SH   SOLE   0 0 36,118
CITIZENS FINANCIAL SERVS INC COM 174615104   3,128,207 40,774 SH   SOLE   0 0 40,774
CLEVELAND-CLIFFS INC NEW COM 185899101   236,842 14,701 SH   SOLE   0 0 14,701
COCA COLA CO COM 191216100   1,876,711 29,503 SH   SOLE   0 0 29,503
COLGATE PALMOLIVE CO COM 194162103   252,374 3,203 SH   SOLE   0 0 3,203
CONOCOPHILLIPS COM 20825C104   266,602 2,259 SH   SOLE   0 0 2,259
DISNEY WALT CO COM 254687106   260,182 2,994 SH   SOLE   0 0 2,994
DNP SELECT INCOME FD INC COM 23325P104   312,075 27,740 SH   SOLE   0 0 27,740
DOCUSIGN INC COM 256163106   234,648 4,234 SH   SOLE   0 0 4,234
DOMINION ENERGY INC COM 25746U109   406,667 6,631 SH   SOLE   0 0 6,631
DOW INC COM 260557103   1,532,292 30,408 SH   SOLE   0 0 30,408
DUKE ENERGY CORP NEW COM NEW 26441C204   471,216 4,575 SH   SOLE   0 0 4,575
EA SERIES TRUST GADSDN DYN MLT 02072L870   3,250,200 105,491 SH   SOLE   0 0 105,491
ENTERGY CORP NEW COM 29364G103   441,616 3,925 SH   SOLE   0 0 3,925
EVERGY INC COM 30034W106   350,961 5,577 SH   SOLE   0 0 5,577
EXXON MOBIL CORP COM 30231G102   2,527,932 22,918 SH   SOLE   0 0 22,918
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   308,122 6,529 SH   SOLE   0 0 6,529
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605   9,672,126 207,779 SH   SOLE   0 0 207,779
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   226,068 5,147 SH   SOLE   0 0 5,147
GENERAL ELECTRIC CO COM NEW 369604301   245,425 2,929 SH   SOLE   0 0 2,929
GOLDMAN SACHS GROUP INC COM 38141G104   397,391 1,157 SH   SOLE   0 0 1,157
HECLA MNG CO COM 422704106   450,360 81,000 SH   SOLE   0 0 81,000
HERSHEY CO COM 427866108   603,868 2,607 SH   SOLE   0 0 2,607
HOME DEPOT INC COM 437076102   761,351 2,410 SH   SOLE   0 0 2,410
HONEYWELL INTL INC COM 438516106   536,288 2,502 SH   SOLE   0 0 2,502
ILLINOIS TOOL WKS INC COM 452308109   281,038 1,275 SH   SOLE   0 0 1,275
INTEL CORP COM 458140100   1,022,941 38,703 SH   SOLE   0 0 38,703
INTERNATIONAL BUSINESS MACHS COM 459200101   2,060,468 14,624 SH   SOLE   0 0 14,624
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   2,752,987 25,134 SH   SOLE   0 0 25,134
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   413,218 8,005 SH   SOLE   0 0 8,005
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   428,922 5,013 SH   SOLE   0 0 5,013
INVESCO QQQ TR UNIT SER 1 46090E103   11,943,857 44,854 SH   SOLE   0 0 44,854
ISHARES SILVER TR ISHARES 46428Q109   422,388 19,182 SH   SOLE   0 0 19,182
ISHARES TR NATIONAL MUN ETF 464288414   2,878,575 27,279 SH   SOLE   0 0 27,279
ISHARES TR IBOXX INV CP ETF 464287242   273,668 2,595 SH   SOLE   0 0 2,595
ISHARES TR CORE S&P SCP ETF 464287804   24,013,095 253,730 SH   SOLE   0 0 253,730
ISHARES TR 7-10 YR TRSY BD 464287440   1,139,977 11,902 SH   SOLE   0 0 11,902
ISHARES TR MSCI EMG MKT ETF 464287234   408,815 10,786 SH   SOLE   0 0 10,786
ISHARES TR CORE US AGGBD ET 464287226   5,998,835 61,850 SH   SOLE   0 0 61,850
ISHARES TR ISHARES BIOTECH 464287556   1,125,942 8,575 SH   SOLE   0 0 8,575
ISHARES TR CORE S&P500 ETF 464287200   26,658,360 69,384 SH   SOLE   0 0 69,384
ISHARES TR 3 7 YR TREAS BD 464288661   273,258 2,378 SH   SOLE   0 0 2,378
ISHARES TR MSCI USA ESG SLC 464288802   231,459 2,811 SH   SOLE   0 0 2,811
ISHARES TR CORE S&P MCP ETF 464287507   25,024,255 103,453 SH   SOLE   0 0 103,453
ISHARES TR CORE S&P TTL STK 464287150   3,320,351 39,155 SH   SOLE   0 0 39,155
ISHARES TR 1 3 YR TREAS BD 464287457   1,581,107 19,478 SH   SOLE   0 0 19,478
ISHARES TR US HLTHCR PR ETF 464288828   671,411 2,508 SH   SOLE   0 0 2,508
ISHARES TR US AER DEF ETF 464288760   442,074 3,952 SH   SOLE   0 0 3,952
ISHARES TR US HLTHCARE ETF 464287762   914,669 3,223 SH   SOLE   0 0 3,223
JOHNSON & JOHNSON COM 478160104   1,460,456 8,267 SH   SOLE   0 0 8,267
JPMORGAN CHASE & CO COM 46625H100   3,333,989 24,861 SH   SOLE   0 0 24,861
LABORATORY CORP AMER HLDGS COM NEW 50540R409   270,481 1,148 SH   SOLE   0 0 1,148
LILLY ELI & CO COM 532457108   434,284 1,187 SH   SOLE   0 0 1,187
LOCKHEED MARTIN CORP COM 539830109   827,854 1,701 SH   SOLE   0 0 1,701
M & T BK CORP COM 55261F104   1,814,554 12,508 SH   SOLE   0 0 12,508
MASTERCARD INCORPORATED CL A 57636Q104   352,757 1,014 SH   SOLE   0 0 1,014
MCDONALDS CORP COM 580135101   557,510 2,115 SH   SOLE   0 0 2,115
MERCK & CO INC COM 58933Y105   3,746,154 33,764 SH   SOLE   0 0 33,764
MICROSOFT CORP COM 594918104   3,093,717 12,900 SH   SOLE   0 0 12,900
MORGAN STANLEY COM NEW 617446448   385,265 4,531 SH   SOLE   0 0 4,531
NEXTERA ENERGY INC COM 65339F101   1,181,915 14,137 SH   SOLE   0 0 14,137
NVIDIA CORPORATION COM 67066G104   426,995 2,921 SH   SOLE   0 0 2,921
ORACLE CORP COM 68389X105   273,116 3,341 SH   SOLE   0 0 3,341
PACER FDS TR US CASH COWS 100 69374H881   10,999,776 237,832 SH   SOLE   0 0 237,832
PALO ALTO NETWORKS INC COM 697435105   208,473 1,494 SH   SOLE   0 0 1,494
PENNS WOODS BANCORP INC COM 708430103   2,444,605 91,833 SH   SOLE   0 0 91,833
PEPSICO INC COM 713448108   1,205,301 6,671 SH   SOLE   0 0 6,671
PFIZER INC COM 717081103   2,620,061 51,133 SH   SOLE   0 0 51,133
PHILIP MORRIS INTL INC COM 718172109   270,956 2,677 SH   SOLE   0 0 2,677
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   791,637 8,024 SH   SOLE   0 0 8,024
PIMCO MUN INCOME FD COM 72200R107   291,356 27,934 SH   SOLE   0 0 27,934
PNC FINL SVCS GROUP INC COM 693475105   331,461 2,098 SH   SOLE   0 0 2,098
PPL CORP COM 69351T106   1,117,919 38,258 SH   SOLE   0 0 38,258
PROCTER AND GAMBLE CO COM 742718109   1,657,980 10,939 SH   SOLE   0 0 10,939
PROGRESSIVE CORP COM 743315103   206,507 1,592 SH   SOLE   0 0 1,592
PRUDENTIAL FINL INC COM 744320102   363,482 3,654 SH   SOLE   0 0 3,654
RAYTHEON TECHNOLOGIES CORP COM 75513E101   589,036 5,836 SH   SOLE   0 0 5,836
REALTY INCOME CORP COM 756109104   201,482 3,176 SH   SOLE   0 0 3,176
ROCKWELL AUTOMATION INC COM 773903109   231,947 900 SH   SOLE   0 0 900
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   272,711 6,040 SH   SOLE   0 0 6,040
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   549,306 12,258 SH   SOLE   0 0 12,258
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   12,081,599 159,936 SH   SOLE   0 0 159,936
SCWORX CORP COM 78396V109   35,442 89,500 SH   SOLE   0 0 89,500
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   341,895 2,747 SH   SOLE   0 0 2,747
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   298,660 2,198 SH   SOLE   0 0 2,198
SELECT SECTOR SPDR TR ENERGY 81369Y506   402,283 4,599 SH   SOLE   0 0 4,599
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,186,466 34,691 SH   SOLE   0 0 34,691
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   572,060 7,364 SH   SOLE   0 0 7,364
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   242,553 2,469 SH   SOLE   0 0 2,469
SHELL PLC SPON ADS 780259305   211,313 3,710 SH   SOLE   0 0 3,710
SOFI TECHNOLOGIES INC COM 83406F102   179,380 38,911 SH   SOLE   0 0 38,911
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,889,258 8,720 SH   SOLE   0 0 8,720
SPDR GOLD TR GOLD SHS 78463V107   470,751 2,775 SH   SOLE   0 0 2,775
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   621,079 10,892 SH   SOLE   0 0 10,892
SPDR S&P 500 ETF TR TR UNIT 78462F103   266,458 696 SH   SOLE   0 0 696
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   1,478,544 179,435 SH   SOLE   0 0 179,435
TEXAS INSTRS INC COM 882508104   381,386 2,308 SH   SOLE   0 0 2,308
THERMO FISHER SCIENTIFIC INC COM 883556102   268,180 486 SH   SOLE   0 0 486
UNION PAC CORP COM 907818108   269,290 1,300 SH   SOLE   0 0 1,300
UNITED PARCEL SERVICE INC CL B 911312106   223,371 1,284 SH   SOLE   0 0 1,284
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,458,565 138,925 SH   SOLE   0 0 138,925
VANGUARD INDEX FDS TOTAL STK MKT 922908769   693,085 3,625 SH   SOLE   0 0 3,625
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   204,525 3,689 SH   SOLE   0 0 3,689
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   19,611,376 503,113 SH   SOLE   0 0 503,113
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   827,284 9,598 SH   SOLE   0 0 9,598
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   587,428 11,869 SH   SOLE   0 0 11,869
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   7,101,493 91,620 SH   SOLE   0 0 91,620
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,198,326 266,817 SH   SOLE   0 0 266,817
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   640,547 6,227 SH   SOLE   0 0 6,227
VANGUARD WORLD FDS INF TECH ETF 92204A702   467,630 1,464 SH   SOLE   0 0 1,464
VERIZON COMMUNICATIONS INC COM 92343V104   2,231,319 56,632 SH   SOLE   0 0 56,632
VISA INC COM CL A 92826C839   371,602 1,788 SH   SOLE   0 0 1,788
WALGREENS BOOTS ALLIANCE INC COM 931427108   987,335 26,427 SH   SOLE   0 0 26,427
WALMART INC COM 931142103   567,341 4,001 SH   SOLE   0 0 4,001
WASTE MGMT INC DEL COM 94106L109   368,852 2,351 SH   SOLE   0 0 2,351
WEC ENERGY GROUP INC COM 92939U106   461,551 4,922 SH   SOLE   0 0 4,922
WELLS FARGO CO NEW COM 949746101   378,825 9,174 SH   SOLE   0 0 9,174