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
Aflac Inc COM 001055102   332,075 4,616 SH   SOLE   0 0 4,616
Abbott Laboratories COM 002824100   3,826,092 34,849 SH   SOLE   0 0 34,849
Advanced Micro Devic COM 007903107   337,905 5,217 SH   SOLE   0 0 5,217
Air Products & Chemicals Inc COM 009158106   4,328,006 14,040 SH   SOLE   0 0 14,040
Allstate Corp COM 020002101   225,259 1,661 SH   SOLE   0 0 1,661
Amazon.com Inc COM 023135106   5,342,820 63,605 SH   SOLE   0 0 63,605
Amgen Inc COM 031162100   4,321,201 16,453 SH   SOLE   0 0 16,453
Analog Devices Inc COM 032654105   843,526 5,143 SH   SOLE   0 0 5,143
Anthem Inc COM 036752103   381,677 744 SH   SOLE   0 0 744
Apple Inc COM 037833100   19,146,366 147,359 SH   SOLE   0 0 147,359
Applied Materials Inc COM 038222105   552,050 5,669 SH   SOLE   0 0 5,669
Automatic Data Processing Inc COM 053015103   1,296,381 5,427 SH   SOLE   0 0 5,427
BP PLC ADR SPONSORED ADR 055622104   239,899 6,868 SH   SOLE   0 0 6,868
Bank of America Corporation COM 060505104   5,228,364 157,861 SH   SOLE   0 0 157,861
Baxter International Inc COM 071813109   551,393 10,818 SH   SOLE   0 0 10,818
Becton Dickinson and Co COM 075887109   3,641,419 14,319 SH   SOLE   0 0 14,319
Berkshire Hathaway CL B NEW 084670702   1,886,143 6,106 SH   SOLE   0 0 6,106
Bhp Billiton Ltd SPONSORED ADS 088606108   416,976 6,720 SH   SOLE   0 0 6,720
Bristol-Myers Squibb Company COM 110122108   3,451,280 47,968 SH   SOLE   0 0 47,968
Brown & Brown Inc COM 115236101   452,798 7,948 SH   SOLE   0 0 7,948
Brown-Forman Corp CL A 115637100   226,872 3,450 SH   SOLE   0 0 3,450
Brown-Forman Corp CL B 115637209   306,332 4,664 SH   SOLE   0 0 4,664
CVS Health Corp COM 126650100   372,763 4,000 SH   SOLE   0 0 4,000
Cabot Oil & Gas Corp COM 127097103   387,223 15,760 SH   SOLE   0 0 15,760
Carlisle Companies Inc COM 142339100   876,382 3,719 SH   SOLE   0 0 3,719
Caterpillar Inc COM 149123101   1,275,371 5,324 SH   SOLE   0 0 5,324
Chevron Corp COM 166764100   1,989,114 11,082 SH   SOLE   0 0 11,082
Citigroup Inc COM NEW 172967424   486,539 10,757 SH   SOLE   0 0 10,757
Citizens Financial Group Inc COM 174610105   2,163,285 54,948 SH   SOLE   0 0 54,948
Clorox Co COM 189054109   526,422 3,751 SH   SOLE   0 0 3,751
Coca-Cola Co COM 191216100   767,560 12,067 SH   SOLE   0 0 12,067
Colgate-Palmolive Co COM 194162103   383,089 4,862 SH   SOLE   0 0 4,862
Cummins Inc COM 231021106   1,042,089 4,301 SH   SOLE   0 0 4,301
Walt Disney Co COM 254687106   2,516,314 28,963 SH   SOLE   0 0 28,963
Discover Financial Services COM 254709108   254,162 2,598 SH   SOLE   0 0 2,598
Dow Chemical Co COM 260557103   244,851 4,859 SH   SOLE   0 0 4,859
Emerson Electric Co COM 291011104   810,842 8,441 SH   SOLE   0 0 8,441
Fulton Financial Corp COM 360271100   358,286 21,289 SH   SOLE   0 0 21,289
General Dynamics Corp COM 369550108   2,421,754 9,761 SH   SOLE   0 0 9,761
General Mills Inc COM 370334104   1,326,223 15,817 SH   SOLE   0 0 15,817
Gilead Sciences Inc COM 375558103   771,760 8,990 SH   SOLE   0 0 8,990
The Hershey Co COM 427866108   7,390,114 31,913 SH   SOLE   0 0 31,913
The Home Depot Inc COM 437076102   933,281 2,955 SH   SOLE   0 0 2,955
Honeywell International Inc COM 438516106   2,721,585 12,700 SH   SOLE   0 0 12,700
Hubbell Inc COM 443510607   254,158 1,083 SH   SOLE   0 0 1,083
Illinois Tool Works Inc COM 452308109   359,309 1,631 SH   SOLE   0 0 1,631
Intel Corp COM 458140100   1,509,245 57,103 SH   SOLE   0 0 57,103
International Business Machines Corp COM 459200101   1,923,437 13,652 SH   SOLE   0 0 13,652
iShares iBoxx $ Investment Grade Corporate Bond ET IBOXX INV CP ETF 464287242   6,932,910 65,758 SH   SOLE   0 0 65,758
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440   1,357,340 14,171 SH   SOLE   0 0 14,171
iShares 1-3 Year Treasury Bond 1 3 YR TREAS BD 464287457   10,393,614 128,047 SH   SOLE   0 0 128,047
iShares Core S&P Mid-Cap CORE S&P MCP ETF 464287507   2,540,305 10,502 SH   SOLE   0 0 10,502
iShares Nasdaq Biotechnology ISHARES BIOTECH 464287556   462,075 3,520 SH   SOLE   0 0 3,520
iShares Core S&P Small-Cap CORE S&P SCP ETF 464287804   4,054,076 42,837 SH   SOLE   0 0 42,837
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414   3,754,694 35,583 SH   SOLE   0 0 35,583
iShares iBoxx $ High Yield Corporate Bd IBOXX HI YD ETF 464288513   5,374,352 72,991 SH   SOLE   0 0 72,991
iShares 1-3 Year Credit Bond ISHS 1-5YR INVS 464288646   6,069,806 121,835 SH   SOLE   0 0 121,835
Johnson & Johnson COM 478160104   7,981,402 45,182 SH   SOLE   0 0 45,182
Kellogg Co COM 487836108   325,781 4,573 SH   SOLE   0 0 4,573
Kimberly-Clark Corp COM 494368103   1,544,771 11,380 SH   SOLE   0 0 11,380
The Kraft Heinz Co COM 500754106   236,199 5,802 SH   SOLE   0 0 5,802
L3Harris Technologies Ord COM 502431109   2,314,295 11,115 SH   SOLE   0 0 11,115
Lam Research Corp COM 512807108   527,056 1,254 SH   SOLE   0 0 1,254
Eli Lilly and Co COM 532457108   4,951,644 13,535 SH   SOLE   0 0 13,535
Lockheed Martin Corp COM 539830109   2,653,709 5,455 SH   SOLE   0 0 5,455
Lowe s Companies Inc COM 548661107   784,209 3,936 SH   SOLE   0 0 3,936
Martin Marietta Materials Inc COM 573284106   604,628 1,789 SH   SOLE   0 0 1,789
McDonald s Corp COM 580135101   1,609,668 6,108 SH   SOLE   0 0 6,108
Microsoft Corp COM 594918104   14,499,882 60,462 SH   SOLE   0 0 60,462
Mondelez International Inc Class A CL A 609207105   1,691,132 25,373 SH   SOLE   0 0 25,373
Morgan Stanley COM NEW 617446448   1,238,316 14,565 SH   SOLE   0 0 14,565
Newmont Mining Corp COM 651639106   447,928 9,490 SH   SOLE   0 0 9,490
Nike Inc B CL B 654106103   1,353,144 11,564 SH   SOLE   0 0 11,564
Norfolk Southern Corp COM 655844108   3,403,415 13,811 SH   SOLE   0 0 13,811
Old Dominion Freight Lines Inc COM 679580100   473,061 1,667 SH   SOLE   0 0 1,667
PNC Financial Services Group Inc COM 693475105   2,960,285 18,743 SH   SOLE   0 0 18,743
PPG Industries Inc COM 693506107   573,626 4,562 SH   SOLE   0 0 4,562
Paychex Inc COM 704326107   347,635 3,008 SH   SOLE   0 0 3,008
PepsiCo Inc COM 713448108   6,913,278 38,267 SH   SOLE   0 0 38,267
Pfizer Inc COM 717081103   6,620,001 129,196 SH   SOLE   0 0 129,196
Philip Morris International Inc COM 718172109   598,860 5,917 SH   SOLE   0 0 5,917
Phillips 66 COM 718546104   2,606,505 25,043 SH   SOLE   0 0 25,043
Procter & Gamble Co COM 742718109   4,175,153 27,548 SH   SOLE   0 0 27,548
Progressive Corp COM 743315103   226,747 1,748 SH   SOLE   0 0 1,748
Prudential Financial Inc COM 744320102   218,661 2,198 SH   SOLE   0 0 2,198
QUALCOMM Inc COM 747525103   1,235,263 11,236 SH   SOLE   0 0 11,236
SHELL ADR EACH REP 2 ORD WI SPON ADS 780259305   301,892 5,301 SH   SOLE   0 0 5,301
SAP SE ADR SPON ADR 803054204   1,055,568 10,229 SH   SOLE   0 0 10,229
Schlumberger Ltd COM STK 806857108   332,976 6,229 SH   SOLE   0 0 6,229
Schwab US Large-Cap Growth ETF US LCAP GR ETF 808524300   373,550 6,723 SH   SOLE   0 0 6,723
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   8,162,959 108,061 SH   SOLE   0 0 108,061
Schwab International INTL EQTY ETF 808524805   1,132,374 35,156 SH   SOLE   0 0 35,156
Sherwin-Williams Co COM 824348106   669,080 2,819 SH   SOLE   0 0 2,819
A.O. Smith Corp COM 831865209   435,380 7,606 SH   SOLE   0 0 7,606
JM Smucker Co COM NEW 832696405   257,022 1,622 SH   SOLE   0 0 1,622
Southern Co COM 842587107   1,506,659 21,099 SH   SOLE   0 0 21,099
Stanley Black & Decker Inc COM 854502101   595,182 7,923 SH   SOLE   0 0 7,923
Starbucks Corp COM 855244109   1,030,982 10,393 SH   SOLE   0 0 10,393
Stryker Corp COM 863667101   345,958 1,415 SH   SOLE   0 0 1,415
Sysco Corp COM 871829107   548,447 7,174 SH   SOLE   0 0 7,174
Taiwan Semiconductor Manufacturing Co Ltd SPONSORED ADS 874039100   782,423 10,504 SH   SOLE   0 0 10,504
Texas Instruments Inc COM 882508104   1,124,259 6,805 SH   SOLE   0 0 6,805
Tompkins Financial Corp COM 890110109   981,077 12,646 SH   SOLE   0 0 12,646
US Bancorp COM NEW 902973304   1,054,861 24,189 SH   SOLE   0 0 24,189
Unilever PLC ADR SPON ADR NEW 904767704   2,260,047 44,887 SH   SOLE   0 0 44,887
Union Pacific Corp COM 907818108   1,021,143 4,931 SH   SOLE   0 0 4,931
United Parcel Service Inc Class B CL B 911312106   1,323,709 7,615 SH   SOLE   0 0 7,615
Vanguard REIT ETF REAL ESTATE ETF 922908553   325,761 3,950 SH   SOLE   0 0 3,950
Vulcan Materials Co COM 929160109   636,350 3,634 SH   SOLE   0 0 3,634
Wal-Mart Stores Inc COM 931142103   3,491,731 24,626 SH   SOLE   0 0 24,626
Waters Corp COM 941848103   411,096 1,200 SH   SOLE   0 0 1,200
Raytheon Technologies Ord COM 75513E101   3,337,406 33,070 SH   SOLE   0 0 33,070
Target Corp COM 87612E106   4,115,054 27,610 SH   SOLE   0 0 27,610
AB TAX AWARE ST DRTN MNCPL ETF TAX AWARE SHRT 00039J202   4,863,701 194,629 SH   SOLE   0 0 194,629
AT&T Inc COM 00206R102   650,821 35,352 SH   SOLE   0 0 35,352
AbbVie Inc COM 00287Y109   3,163,945 19,578 SH   SOLE   0 0 19,578
Alphabet Inc C CAP STK CL C 02079K107   2,302,366 25,948 SH   SOLE   0 0 25,948
Alphabet Inc A CAP STK CL A 02079K305   8,297,237 94,041 SH   SOLE   0 0 94,041
Altria Group Inc COM 02209S103   226,633 4,958 SH   SOLE   0 0 4,958
BlackRock Inc COM 09247X101   345,877 488 SH   SOLE   0 0 488
Broadcom Ltd COM 11135F101   335,540 600 SH   SOLE   0 0 600
Cheniere Energy Inc COM NEW 16411R208   228,689 1,525 SH   SOLE   0 0 1,525
Cisco Systems Inc COM 17275R102   5,052,137 106,048 SH   SOLE   0 0 106,048
Comcast Corp Class A CL A 20030N101   1,385,030 39,606 SH   SOLE   0 0 39,606
ConocoPhillips COM 20825C104   1,322,072 11,204 SH   SOLE   0 0 11,204
Diamondback Energy COM 25278X109   882,551 6,452 SH   SOLE   0 0 6,452
Dominion Resources Inc COM 25746U109   1,020,242 16,638 SH   SOLE   0 0 16,638
Duke Energy Corp COM NEW 26441C204   1,032,621 10,026 SH   SOLE   0 0 10,026
EOG Resources Inc COM 26875P101   327,240 2,527 SH   SOLE   0 0 2,527
Enbridge Inc Com COM 29250N105   857,254 21,925 SH   SOLE   0 0 21,925
EPAM Systems Inc COM 29414B104   384,111 1,172 SH   SOLE   0 0 1,172
Exxon Mobil Corp COM 30231G102   4,475,070 40,572 SH   SOLE   0 0 40,572
Meta Platforms Inc Class A CL A 30303M102   1,139,860 9,472 SH   SOLE   0 0 9,472
FedEx Corp COM 31428X106   1,909,123 11,023 SH   SOLE   0 0 11,023
GXO Logistics Inc COMMON STOCK 36262G101   349,503 8,187 SH   SOLE   0 0 8,187
Goldman Sachs Group Inc COM 38141G104   1,192,345 3,472 SH   SOLE   0 0 3,472
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103   252,984 5,417 SH   SOLE   0 0 5,417
iShares Core MSCI Europe ETF CORE MSCI EURO 46434V738   212,753 4,479 SH   SOLE   0 0 4,479
JPMorgan Chase & Co COM 46625H100   6,096,795 45,465 SH   SOLE   0 0 45,465
JPMorgan Equity Premium Income ETF EQUITY PREMIUM 46641Q332   862,202 15,823 SH   SOLE   0 0 15,823
JPMorgan Nasdaq Equity Premium Inc ETF NASDAQ EQT PREM 46654Q203   270,340 6,626 SH   SOLE   0 0 6,626
M&T Bank Corp COM 55261F104   855,854 5,900 SH   SOLE   0 0 5,900
Mastercard Inc A CL A 57636Q104   794,911 2,286 SH   SOLE   0 0 2,286
Merck & Co Inc COM 58933Y105   6,266,445 56,480 SH   SOLE   0 0 56,480
Netflix Inc COM 64110L106   481,834 1,634 SH   SOLE   0 0 1,634
NextEra Energy Inc COM 65339F101   1,533,187 18,340 SH   SOLE   0 0 18,340
Northern Dynasty Minerals Ltd COM NEW 66510M204   6,945 31,452 SH   SOLE   0 0 31,452
Novartis Ag SPONSORED ADR 66987V109   1,435,281 15,821 SH   SOLE   0 0 15,821
NVIDIA Corp COM 67066G104   1,317,748 9,017 SH   SOLE   0 0 9,017
Nuveen AMT-Free Muni Credit Inc COM 67071L106   130,007 10,709 SH   SOLE   0 0 10,709
Nutrien Ltd COM 67077M108   1,438,034 19,691 SH   SOLE   0 0 19,691
Oracle Corp COM 68389X105   3,712,363 45,417 SH   SOLE   0 0 45,417
PPL Corp COM 69351T106   1,552,020 53,115 SH   SOLE   0 0 53,115
PayPal Holdings Inc COM 70450Y103   448,971 6,304 SH   SOLE   0 0 6,304
Regeneron Pharmaceuticals Inc COM 75886F107   696,238 965 SH   SOLE   0 0 965
SPDR S&P 500 ETF TR UNIT 78462F103   317,034 829 SH   SOLE   0 0 829
SPDR Gold Shares GOLD SHS 78463V107   3,192,625 18,820 SH   SOLE   0 0 18,820
SPDR Nuveen BB Hi Yld Muncpl Bd ETF NUVEEN BLOOMBERG 78464A284   1,477,175 30,165 SH   SOLE   0 0 30,165
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763   773,904 6,186 SH   SOLE   0 0 6,186
SPDR S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107   406,038 917 SH   SOLE   0 0 917
Southern Copper Corp COM 84265V105   293,797 4,865 SH   SOLE   0 0 4,865
Truist Finl Corp Com COM 89832Q109   651,689 15,145 SH   SOLE   0 0 15,145
Uber Technologies Inc COM 90353T100   1,312,940 53,091 SH   SOLE   0 0 53,091
UnitedHealth Group Inc COM 91324P102   3,253,656 6,137 SH   SOLE   0 0 6,137
Vanguard Intermediate-Term Corp Bd ETF INT-TERM CORP 92206C870   7,346,283 94,779 SH   SOLE   0 0 94,779
Verizon Communications Inc COM 92343V104   2,605,486 66,129 SH   SOLE   0 0 66,129
Vertex Pharmaceuticals Inc COM 92532F100   388,120 1,344 SH   SOLE   0 0 1,344
Visa Inc Class A COM CL A 92826C839   2,601,052 12,520 SH   SOLE   0 0 12,520
Zimmer Biomet Holdings Inc COM 98956P102   420,878 3,301 SH   SOLE   0 0 3,301
Alaunos Therapeutics Inc COM 98973P101   12,982 20,000 SH   SOLE   0 0 20,000
Accenture PLC A SHS CLASS A G1151C101   818,398 3,067 SH   SOLE   0 0 3,067
Eaton Corp PLC SHS G29183103   485,132 3,091 SH   SOLE   0 0 3,091
Medtronic PLC SHS G5960L103   1,370,029 17,628 SH   SOLE   0 0 17,628
Crispr Therapeutics NAMEN AKT H17182108   256,136 6,301 SH   SOLE   0 0 6,301
Asml Hldgs Nv N Y REGISTRY SHS N07059210   831,673 1,522 SH   SOLE   0 0 1,522