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
3M CO COM COM 88579Y101 581 4,261 SH   SOLE 1 0 0 4,261
ABBOTT LABS COM COM 002824100 1,312 16,639 SH   SOLE 1 0 0 16,639
ABBVIE INC COM COM 00287Y109 2,372 31,139 SH   SOLE 1 0 0 31,139
ACCENTURE PLC IRELAND SHS CLASS A COM G1151C101 1,344 8,235 SH   SOLE 1 0 0 8,235
ACTIVISION BLIZZARD INC COM COM 00507V109 247 4,164 SH   SOLE 1 0 0 4,164
ADOBE INC COM COM 00724F101 1,105 3,474 SH   SOLE 1 0 0 3,474
ALARM COM HLDGS INC COM COM 011642105 1,860 47,816 SH   SOLE 0 0 0 47,816
ALERIAN MLP ETF COM 00162Q866 166 48,314 SH   SOLE 0 0 0 48,314
ALPHABET INC CAP STK CL A COM 02079K305 3,073 2,645 SH   SOLE 1 0 0 2,645
ALPHABET INC CAP STK CL C COM 02079K107 8,079 6,948 SH   SOLE 1 0 0 6,948
ALTRIA GROUP INC COM COM 02209S103 483 12,503 SH   SOLE 1 0 0 12,503
AMAZON COM INC COM COM 023135106 9,992 5,125 SH   SOLE 1 0 0 5,125
AMERICAN INTL GROUP INC COM NEW COM 026874784 333 13,734 SH   SOLE 1 0 0 13,734
AMETEK INC COM COM 031100100 529 7,351 SH   SOLE 1 0 0 7,351
AMGEN INC COM COM 031162100 4,177 20,605 SH   SOLE 1 0 0 20,605
ANSYS INC COM COM 03662Q105 205 886 SH   SOLE 0 0 0 886
AON PLC SHS CL A COM G0403H108 411 2,493 SH   SOLE 1 0 0 2,493
APPLE INC COM COM 037833100 12,877 50,641 SH   SOLE 1 0 0 50,641
ARROW FINL CORP COM COM 042744102 593 21,286 SH   SOLE 0 0 0 21,286
AT&T INC COM COM 00206R102 2,407 82,577 SH   SOLE 1 0 0 82,577
AURORA CANNABIS INC COM COM 05156X108 9 10,813 SH   SOLE 0 0 0 10,813
AUTOMATIC DATA PROCESSING INC COM COM 053015103 390 2,836 SH   SOLE 1 0 0 2,836
AZURRX BIOPHARMA INC COM COM 05502L105 40 69,835 SH   SOLE 0 0 0 69,835
BANK NEW YORK MELLON CORP COM COM 064058100 233 6,936 SH   SOLE 1 0 0 6,936
BAXTER INTL INC COM COM 071813109 278 3,418 SH   SOLE 1 0 0 3,418
BECTON DICKINSON & CO COM COM 075887109 555 2,416 SH   SOLE 1 0 0 2,416
BERKSHIRE HATHAWAY INC DEL CL A COM 084670108 1,632 6 SH   SOLE 0 0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW COM 084670702 7,817 42,759 SH   SOLE 1 0 0 42,759
BERRY CORP COM COM 08579X101 182 72,091 SH   SOLE 1 0 0 72,091
BK OF AMERICA CORP COM COM 060505104 523 24,669 SH   SOLE 1, 2 0 0 24,669
BLACKROCK INC COM COM 09247X101 393 894 SH   SOLE 1 0 0 894
BLACKSTONE GROUP INC COM CL A COM 09260D107 2,584 56,708 SH   SOLE 0 0 0 56,708
BLOOM ENERGY CORP COM CL A COM 093712107 392 75,000 SH   SOLE 0 0 0 75,000
BOEING CO COM COM 097023105 389 2,611 SH   SOLE 1 0 0 2,611
BOOKING HLDGS INC COM COM 09857L108 426 317 SH   SOLE 1 0 0 317
BRISTOL-MYERS SQUIBB CO COM COM 110122108 1,097 19,682 SH   SOLE 1 0 0 19,682
BROADCOM INC COM COM 11135F101 223 942 SH   SOLE 1 0 0 942
CAMPBELL SOUP CO COM COM 134429109 1,276 27,650 SH   SOLE 1 0 0 27,650
CATERPILLAR INC DEL COM COM 149123101 308 2,661 SH   SOLE 1 0 0 2,661
CB FINL SVCS INC COM COM 12479G101 1,164 60,306 SH   SOLE 0 0 0 60,306
CELANESE CORP DEL COM COM 150870103 1,147 15,631 SH   SOLE 1 0 0 15,631
CHEVRON CORP NEW COM COM 166764100 1,074 14,828 SH   SOLE 1 0 0 14,828
CIGNA CORP NEW COM COM 125523100 338 1,908 SH   SOLE 1 0 0 1,908
CISCO SYS INC COM COM 17275R102 6,027 153,344 SH   SOLE 1 0 0 153,344
CITIGROUP INC COM NEW COM 172967424 362 8,600 SH   SOLE 1 0 0 8,600
CLOROX CO DEL COM COM 189054109 1,167 6,739 SH   SOLE 1 0 0 6,739
CLOUDERA INC COM COM 18914U100 86 10,937 SH   SOLE 1 0 0 10,937
COCA COLA CO COM COM 191216100 3,099 69,322 SH   SOLE 1 0 0 69,322
COMCAST CORP NEW CL A COM 20030N101 4,542 131,258 SH   SOLE 1 0 0 131,258
COMMERICAL NATL FINL CORP PA COM COM 202217105 1,726 101,603 SH   SOLE 0 0 0 101,603
COMMUNITY BK SYS INC COM COM 203607106 38,339 647,516 SH   SOLE 0 0 0 647,516
CONSUMER STAPLES SELECT SECTOR SPDR FUND COM 81369Y308 3,089 56,724 SH   SOLE 0 0 0 56,724
COSTCO WHSL CORP NEW COM COM 22160K105 433 1,522 SH   SOLE 1 0 0 1,522
CVS HEALTH CORP COM COM 126650100 566 9,547 SH   SOLE 1 0 0 9,547
DANAHER CORPORATION COM COM 235851102 243 1,756 SH   SOLE 1 0 0 1,756
DCP MIDSTREAM LP COM UT LTD PTN COM 23311P100 162 40,000 SH   SOLE 1 0 0 40,000
DELTA AIR LINES INC DEL COM NEW COM 247361702 211 7,413 SH   SOLE 1 0 0 7,413
DISCOVERY INC COM SER C COM 25470F302 176 10,071 SH   SOLE 1 0 0 10,071
DISNEY WALT CO COM DISNEY COM 254687106 1,020 10,568 SH   SOLE 1 0 0 10,568
DOLLAR GEN CORP NEW COM COM 256677105 363 2,408 SH   SOLE 1 0 0 2,408
DOMINION ENERGY INC COM COM 25746U109 275 3,812 SH   SOLE 1 0 0 3,812
DUPONT DE NEMOURS INC COM COM 26614N102 218 6,415 SH   SOLE 1 0 0 6,415
ECOLAB INC COM COM 278865100 236 1,514 SH   SOLE 1 0 0 1,514
EMERSON ELEC CO COM COM 291011104 682 14,326 SH   SOLE 1 0 0 14,326
ENERGY TRANSFER LP COM UT LTD PTN COM 29273V100 276 60,000 SH   SOLE 1 0 0 60,000
EQT CORPORATION COM COM 26884L109 256 36,233 SH   SOLE 1 0 0 36,233
EXXON MOBIL CORP COM COM 30231G102 1,133 29,862 SH   SOLE 1 0 0 29,862
FACEBOOK INC CL A COM 30303M102 3,911 23,451 SH   SOLE 1 0 0 23,451
FASTENAL CO COM COM 311900104 351 11,239 SH   SOLE 1 0 0 11,239
FEDEX CORP COM COM 31428X106 935 7,704 SH   SOLE 1 0 0 7,704
FINANCIAL SELECT SECTOR SPDR FUND COM 81369Y605 1,791 86,070 SH   SOLE 0 0 0 86,070
FIRST COMWLTH FINL CORP PA COM COM 319829107 12,959 1,417,836 SH   SOLE 0 0 0 1,417,836
FIRST TRUST DOW JONES INTERNET INDEX FUND COM 33733E302 846 6,840 SH   SOLE 0 0 0 6,840
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND COM 336917109 223 10,000 SH   SOLE 1 0 0 10,000
FLOWER ONE HLDGS INC ORD SHS COM 34348Q102 46 160,400 SH   SOLE 0 0 0 160,400
FNCB BANCORP INC COM COM 302578109 154 22,297 SH   SOLE 0 0 0 22,297
GCI LIBERTY INC COM CLASS A COM 36164V305 255 4,489 SH   SOLE 1 0 0 4,489
GENERAL ELECTRIC CO COM COM 369604103 191 23,999 SH   SOLE 1 0 0 23,999
GENESIS HEALTHCARE INC CL A COM COM 37185X106 9 10,700 SH   SOLE 0 0 0 10,700
GILEAD SCIENCES INC COM COM 375558103 331 4,437 SH   SOLE 1 0 0 4,437
HEALTH CARE SELECT SECTOR SPDR FUND COM 81369Y209 2,878 32,497 SH   SOLE 0 0 0 32,497
HI CRUSH INC COM COM 428337109 7 30,000 SH   SOLE 0 0 0 30,000
HOME DEPOT INC COM COM 437076102 2,058 11,026 SH   SOLE 1 0 0 11,026
HONEYWELL INTL INC COM COM 438516106 2,918 21,813 SH   SOLE 1 0 0 21,813
HUNTINGTON BANCSHARES INC COM COM 446150104 128 15,330 SH   SOLE 1 0 0 15,330
ILLINOIS TOOL WKS INC COM COM 452308109 608 4,249 SH   SOLE 1 0 0 4,249
INDUSTRIAL SELECT SECTOR SPDR FUND COM 81369Y704 1,563 26,502 SH   SOLE 0 0 0 26,502
INTEL CORP COM COM 458140100 4,201 77,625 SH   SOLE 1 0 0 77,625
INTERNATIONAL BUSINESS MACHS COM COM 459200101 604 5,450 SH   SOLE 1 0 0 5,450
ISHARES CORE MSCI EAFE ETF COM 46432F842 5,112 102,472 SH   SOLE 0 0 0 102,472
ISHARES CORE MSCI EMERGING MARKETS ETF COM 46434G103 12,928 319,454 SH   SOLE 0 0 0 319,454
ISHARES CORE S&P 500 ETF COM 464287200 3,248 12,573 SH   SOLE 0 0 0 12,573
ISHARES CORE U.S. AGGREGATE BOND ETF COM 464287226 324 2,812 SH   SOLE 0 0 0 2,812
ISHARES EDGE MSCI MIN VOL EAFE ETF COM 46429B689 44,149 711,511 SH   SOLE 0 0 0 711,511
ISHARES GLOBAL INFRASTRUCTURE ETF COM 464288372 5,710 167,224 SH   SOLE 0 0 0 167,224
ISHARES MSCI ACWI INDEX FUND COM 464288257 11,205 179,092 SH   SOLE 0 0 0 179,092
ISHARES MSCI EAFE ETF COM 464287465 8,342 156,053 SH   SOLE 0 0 0 156,053
ISHARES MSCI EMERGING MARKETS ETF COM 464287234 10,473 306,879 SH   SOLE 0 0 0 306,879
ISHARES NATIONAL MUNI BOND ETF COM 464288414 4,307 38,117 SH   SOLE 0 0 0 38,117
ISHARES PREFERRED AND INCOME SECURITIES ETF COM 464288687 595 18,691 SH   SOLE 0 0 0 18,691
ISHARES RUSSELL 1000 ETF COM 464287622 920 6,507 SH   SOLE 0 0 0 6,507
ISHARES RUSSELL 1000 GROWTH ETF COM 464287614 102,969 683,500 SH   SOLE 0 0 0 683,500
ISHARES RUSSELL 1000 VALUE ETF COM 464287598 74,838 754,568 SH   SOLE 0 0 0 754,568
ISHARES RUSSELL 2000 ETF COM 464287655 352 3,084 SH   SOLE 0 0 0 3,084
ISHARES RUSSELL 2000 GROWTH ETF COM 464287648 19,540 123,542 SH   SOLE 0 0 0 123,542
ISHARES RUSSELL 2000 VALUE ETF COM 464287630 14,229 173,470 SH   SOLE 0 0 0 173,470
ISHARES RUSSELL 3000 ETF COM 464287689 25,322 170,719 SH   SOLE 0 0 0 170,719
ISHARES RUSSELL MID-CAP ETF COM 464287499 309 7,164 SH   SOLE 0 0 0 7,164
ISHARES S&P MIDCAP FUND COM 464287507 2,979 20,714 SH   SOLE 0 0 0 20,714
ISHARES S&P SMALL-CAP FUND COM 464287804 1,091 19,459 SH   SOLE 0 0 0 19,459
ISHARES SELECT DIVIDEND ETF COM 464287168 697 9,479 SH   SOLE 0 0 0 9,479
ISHARES U.S. REAL ESTATE ETF COM 464287739 641 9,215 SH   SOLE 0 0 0 9,215
JERICHO OIL CORP COM COM 476367107 17 185,100 SH   SOLE 0 0 0 185,100
JOHNSON & JOHNSON COM COM 478160104 4,307 32,849 SH   SOLE 1 0 0 32,849
JPMORGAN CHASE & CO COM COM 46625H100 2,726 30,289 SH   SOLE 1, 2 0 0 30,289
KEYCORP COM COM 493267108 400 38,649 SH   SOLE 1 0 0 38,649
KIMBERLY CLARK CORP COM COM 494368103 253 1,970 SH   SOLE 1 0 0 1,970
KINDER MORGAN INC DEL COM COM 49456B101 368 26,484 SH   SOLE 1, 2 0 0 26,484
LIBERTY BROADBAND CORP COM SER A COM 530307107 258 2,413 SH   SOLE 1 0 0 2,413
LIBERTY BROADBAND CORP COM SER C COM 530307305 413 3,734 SH   SOLE 0 0 0 3,734
LIBERTY GLOBAL PLC SHS CL C COM G5480U120 270 17,200 SH   SOLE 0 0 0 17,200
LIBERTY MEDIA CORP DEL COM A SIRIUSXM COM 531229409 268 8,488 SH   SOLE 1 0 0 8,488
LIBERTY MEDIA CORP DEL COM C SIRIUSXM COM 531229607 530 16,788 SH   SOLE 0 0 0 16,788
LILLY ELI & CO COM COM 532457108 685 4,939 SH   SOLE 1 0 0 4,939
LINDE PLC SHS COM G5494J103 210 1,216 SH   SOLE 1 0 0 1,216
LIONS GATE ENTMNT CORP CL A VTG COM 535919401 96 15,800 SH   SOLE 0 0 0 15,800
LLOYDS BANKING GROUP PLC SHS COM G5533W248 25 65,000 SH   SOLE 0 0 0 65,000
LOWES COS INC COM COM 548661107 807 9,387 SH   SOLE 1 0 0 9,387
M & T BK CORP COM COM 55261F104 1,930 18,669 SH   SOLE 1 0 0 18,669
MASTERCARD INC CL A COM 57636Q104 1,202 4,976 SH   SOLE 1 0 0 4,976
MCDONALDS CORP COM COM 580135101 1,229 7,433 SH   SOLE 1 0 0 7,433
MEDTRONIC PLC SHS COM G5960L103 352 3,889 SH   SOLE 1 0 0 3,889
MERCK & CO. INC COM COM 58933Y105 1,887 24,408 SH   SOLE 1 0 0 24,408
MICROSOFT CORP COM COM 594918104 11,405 72,317 SH   SOLE 1 0 0 72,317
MONDELEZ INTL INC CL A COM 609207105 817 16,233 SH   SOLE 1 0 0 16,233
MONSTER BEVERAGE CORP NEW COM COM 61174X109 351 6,256 SH   SOLE 1 0 0 6,256
MOODYS CORP COM COM 615369105 410 1,941 SH   SOLE 0 0 0 1,941
MSA SAFETY INC COM COM 553498106 6,000 59,296 SH   SOLE 1 0 0 59,296
NETFLIX INC COM COM 64110L106 1,173 3,124 SH   SOLE 1 0 0 3,124
NEXTERA ENERGY INC COM COM 65339F101 391 1,627 SH   SOLE 1 0 0 1,627
NEXTIER OILFIELD SOLUTIONS COM COM 65290C105 50 43,200 SH   SOLE 0 0 0 43,200
NIKE INC CL B COM 654106103 270 3,257 SH   SOLE 1 0 0 3,257
NORFOLK SOUTHERN CORP COM COM 655844108 785 5,378 SH   SOLE 1 0 0 5,378
NORTHROP GRUMMAN CORP COM COM 666807102 1,144 3,782 SH   SOLE 1 0 0 3,782
NRG ENERGY INC COM NEW COM 629377508 235 8,623 SH   SOLE 1 0 0 8,623
NVIDIA CORP COM COM 67066G104 1,181 4,482 SH   SOLE 1 0 0 4,482
OKTA INC CL A COM 679295105 434 3,557 SH   SOLE 1 0 0 3,557
OMNICOM GROUP INC COM COM 681919106 418 7,611 SH   SOLE 1 0 0 7,611
ORACLE CORP COM COM 68389X105 874 18,101 SH   SOLE 1 0 0 18,101
PALO ALTO NETWORKS INC COM COM 697435105 988 6,030 SH   SOLE 1 0 0 6,030
PAYPAL HLDGS INC COM COM 70450Y103 754 7,877 SH   SOLE 1 0 0 7,877
PEPSICO INC COM COM 713448108 1,559 12,987 SH   SOLE 1 0 0 12,987
PFIZER INC COM COM 717081103 1,684 51,614 SH   SOLE 1 0 0 51,614
PHILIP MORRIS INTL INC COM COM 718172109 928 12,521 SH   SOLE 1 0 0 12,521
PLASTIC2OIL INC COM COM 72759R102 1 47,742 SH   SOLE 0 0 0 47,742
PNC FINL SVCS GROUP INC COM COM 693475105 319 3,342 SH   SOLE 1 0 0 3,342
POWER 3 MED PRODS INC COM COM 73936A103 0 10,000 SH   SOLE 0 0 0 10,000
PROCTER & GAMBLE CO COM COM 742718109 2,884 26,219 SH   SOLE 1 0 0 26,219
PROGRESSIVE CORP OHIO COM COM 743315103 3,288 44,532 SH   SOLE 1 0 0 44,532
PROTEA BIOSCIENCES GROUP INC COM NEW COM 74365B208 0 100,400 SH   SOLE 0 0 0 100,400
PRUDENTIAL FINL INC COM COM 744320102 382 7,343 SH   SOLE 1 0 0 7,343
QUALCOMM INC COM COM 747525103 2,808 41,508 SH   SOLE 1, 2 0 0 41,508
QURATE RETAIL INC COM SER A COM 74915M100 150 24,625 SH   SOLE 0 0 0 24,625
RAYTHEON TECHNOLOGIES CORP COM COM 755111507 500 5,308 SH   SOLE 1 0 0 5,308
ROGERS COMMUNICATIONS INC CL A CONV COM 775109101 237 5,400 SH   SOLE 0 0 0 5,400
ROGERS COMMUNICATIONS INC CL B COM 775109200 994 23,750 SH   SOLE 0 0 0 23,750
ROLLS-ROYCE HOLDINGS PLC NON CUM PFD C COM G76225138 0 139,840 SH   SOLE 0 0 0 139,840
RPM INTL INC COM COM 749685103 936 15,738 SH   SOLE 0 0 0 15,738
S & T BANCORP INC COM COM 783859101 3,751 137,313 SH   SOLE 0 0 0 137,313
S&P GLOBAL INC COM COM 78409V104 246 1,006 SH   SOLE 1 0 0 1,006
SALESFORCE COM INC COM COM 79466L302 465 3,232 SH   SOLE 1 0 0 3,232
SCHWAB CHARLES CORP COM COM 808513105 268 7,980 SH   SOLE 1 0 0 7,980
SCHWAB U.S. BROAD MARKET ETF COM 808524102 9,687 160,307 SH   SOLE 0 0 0 160,307
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 429 9,545 SH   SOLE 1 0 0 9,545
SERVICENOW INC COM COM 81762P102 961 3,354 SH   SOLE 1 0 0 3,354
SIRIUS XM HLDGS INC COM COM 82968B103 469 94,939 SH   SOLE 1 0 0 94,939
SKYWORKS SOLUTIONS INC COM COM 83088M102 268 3,002 SH   SOLE 1, 2 0 0 3,002
SM ENERGY CO COM COM 78454L100 39 32,318 SH   SOLE 0 0 0 32,318
SONY CORP SPONSORED ADR COM 835699307 592 10,008 SH   SOLE 0 0 0 10,008
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF COM 78464A359 13,502 282,118 SH   SOLE 0 0 0 282,118
SPDR DOW JONES GLOBAL REAL ESTATE ETF COM 78463X749 23,893 663,700 SH   SOLE 0 0 0 663,700
SPDR S&P 500 ETF COM 78462F103 14,890 57,769 SH   SOLE 0 0 0 57,769
SPDR S&P MIDCAP 400 ETF COM 78467Y107 2,253 8,573 SH   SOLE 0 0 0 8,573
SPDR S&P TELECOM ETF COM 78464A540 2,930 49,518 SH   SOLE 0 0 0 49,518
STARBUCKS CORP COM COM 855244109 698 10,625 SH   SOLE 1 0 0 10,625
STERLING BANCORP DEL COM COM 85917A100 399 38,234 SH   SOLE 1 0 0 38,234
STRYKER CORP COM COM 863667101 13,628 81,855 SH   SOLE 1 0 0 81,855
SUMMIT WIRELESS TECH INC COM NEW COM 86633R203 30 88,028 SH   SOLE 0 0 0 88,028
SUNOCO LP COM UT REP LP COM 86765K109 782 50,000 SH   SOLE 1 0 0 50,000
SVMK INC COM COM 78489X103 202 15,000 SH   SOLE 0 0 0 15,000
SYSCO CORP COM COM 871829107 260 5,715 SH   SOLE 1 0 0 5,715
TASEKO MINES LTD COM COM 876511106 3 12,000 SH   SOLE 0 0 0 12,000
TECHNOLOGY SELECT SECTOR SPDR FUND COM 81369Y803 3,299 41,056 SH   SOLE 0 0 0 41,056
TEXAS INSTRS INC COM COM 882508104 403 4,038 SH   SOLE 1 0 0 4,038
THE TRADE DESK INC COM CL A COM 88339J105 242 1,255 SH   SOLE 0 0 0 1,255
THERMO FISHER SCIENTIFIC INC COM COM 883556102 594 2,093 SH   SOLE 1 0 0 2,093
TJX COS INC NEW COM COM 872540109 463 9,696 SH   SOLE 1 0 0 9,696
TORO CO COM COM 891092108 301 4,611 SH   SOLE 1 0 0 4,611
TRACTOR SUPPLY CO COM COM 892356106 200 2,377 SH   SOLE 1 0 0 2,377
TRUIST FINL CORP COM COM 89832Q109 686 22,259 SH   SOLE 1 0 0 22,259
UNILEVER N V N Y SHS NEW COM 904784709 823 16,882 SH   SOLE 0 0 0 16,882
UNILEVER PLC SPON ADR NEW COM 904767704 2,809 55,550 SH   SOLE 0 0 0 55,550
UNION PAC CORP COM COM 907818108 558 3,958 SH   SOLE 1 0 0 3,958
UNITED BANKSHARES INC WEST VA COM COM 909907107 2,238 96,162 SH   SOLE 1 0 0 96,162
UNITED PARCEL SERVICE INC CL B COM 911312106 235 2,521 SH   SOLE 1 0 0 2,521
UNITEDHEALTH GROUP INC COM COM 91324P102 2,176 8,728 SH   SOLE 1 0 0 8,728
US BANCORP DEL COM NEW COM 902973304 413 11,854 SH   SOLE 1 0 0 11,854
USA TECHNOLOGIES INC COM COM 90328S500 276 60,000 SH   SOLE 1 0 0 60,000
UTILITIES SELECT SECTOR SPDR FUND COM 81369Y886 2,289 41,318 SH   SOLE 0 0 0 41,318
VANGUARD CONSUMER DISCRETIONARY INDEX FUND COM 92204A108 488 3,361 SH   SOLE 0 0 0 3,361
VANGUARD CONSUMER STAPLES INDEX FUND COM 92204A207 537 3,899 SH   SOLE 0 0 0 3,899
VANGUARD ENERGY INDEX FUND COM 92204A306 1,517 39,704 SH   SOLE 0 0 0 39,704
VANGUARD FINANCIALS INDEX FUND COM 92204A405 286 5,655 SH   SOLE 0 0 0 5,655
VANGUARD FTSE DEVELOPED MARKETS ETF COM 921943858 12,581 377,359 SH   SOLE 0 0 0 377,359
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 7,678 228,867 SH   SOLE 0 0 0 228,867
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX COM 922042676 5,472 127,532 SH   SOLE 0 0 0 127,532
VANGUARD GROWTH INDEX FUND COM 922908736 31,419 200,520 SH   SOLE 0 0 0 200,520
VANGUARD HEALTH CARE INDEX FUND COM 92204A504 760 4,577 SH   SOLE 0 0 0 4,577
VANGUARD HIGH DIVIDEND YIELD ETF COM 921946406 39,361 556,341 SH   SOLE 1 0 0 556,341
VANGUARD INFORMATION TECHNOLOGY INDEX FUND COM 92204A702 1,659 7,833 SH   SOLE 0 0 0 7,833
VANGUARD LARGE-CAP INDEX FUND COM 922908637 385 3,259 SH   SOLE 0 0 0 3,259
VANGUARD REAL ESTATE ETF COM 922908553 9,379 134,280 SH   SOLE 0 0 0 134,280
VANGUARD RUSSELL 1000 GROWTH ETF COM 92206C680 6,701 43,325 SH   SOLE 0 0 0 43,325
VANGUARD RUSSELL 1000 VALUE ETF COM 92206C714 7,694 88,418 SH   SOLE 0 0 0 88,418
VANGUARD RUSSELL 2000 GROWTH ETF COM 92206C623 1,768 15,380 SH   SOLE 0 0 0 15,380
VANGUARD S&P 500 ETF COM 922908363 1,381 5,835 SH   SOLE 0 0 0 5,835
VANGUARD SMALL-CAP GROWTH INDEX FUND COM 922908595 21,251 141,394 SH   SOLE 0 0 0 141,394
VANGUARD SMALL-CAP VALUE INDEX FUND COM 922908611 17,207 193,780 SH   SOLE 0 0 0 193,780
VANGUARD TOTAL INTERNATIONAL STOCK ETF COM 921909768 875 20,876 SH   SOLE 0 0 0 20,876
VANGUARD TOTAL STOCK MARKET INDEX FUND COM 922908769 5,140 39,879 SH   SOLE 0 0 0 39,879
VANGUARD TOTAL WORLD STOCK INDEX FUND COM 922042742 2,140 34,086 SH   SOLE 0 0 0 34,086
VANGUARD UTILITIES INDEX FUND COM 92204A876 321 2,635 SH   SOLE 0 0 0 2,635
VANGUARD VALUE INDEX FUND COM 922908744 47,970 538,633 SH   SOLE 0 0 0 538,633
VERIZON COMMUNICATIONS INC COM COM 92343V104 1,236 23,013 SH   SOLE 1 0 0 23,013
VERTEX PHARMACEUTICALS INC COM COM 92532F100 1,290 5,422 SH   SOLE 1 0 0 5,422
VISA INC COM CL A COM 92826C839 2,907 18,043 SH   SOLE 1 0 0 18,043
WALMART INC COM COM 931142103 3,348 29,332 SH   SOLE 1 0 0 29,332
WASTE MGMT INC DEL COM COM 94106L109 1,612 17,418 SH   SOLE 1 0 0 17,418
WELLS FARGO CO NEW COM COM 949746101 417 14,533 SH   SOLE 1 0 0 14,533
WESBANCO INC COM COM 950810101 312 13,021 SH   SOLE 0 0 0 13,021
WORKDAY INC CL A COM 98138H101 566 4,348 SH   SOLE 1 0 0 4,348
YANDEX N V SHS CLASS A COM N97284108 220 6,475 SH   SOLE 0 0 0 6,475
YETI HLDGS INC COM COM 98585X104 325 16,695 SH   SOLE 0 0 0 16,695
ZOETIS INC CL A COM 98978V103 4,445 37,776 SH   SOLE 1 0 0 37,776