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 88579Y101 427 2,421 SH   SOLE   0 0 2,421
ABBOTT LABS COM 002824100 532 6,129 SH   SOLE   0 0 6,129
ABBVIE INC COM 00287Y109 365 4,125 SH   SOLE   0 0 4,125
ADOBE INC COM 00724F101 262 796 SH   SOLE   0 0 796
ADVANCED MICRO DEVICES INC COM 007903107 306 6,673 SH   SOLE   0 0 6,673
AFLAC INC SHS 001055102 217 4,114 SH   SOLE   0 0 4,114
ALPHABET INC CAP STK CL A 02079K305 578 432 SH   SOLE   0 0 432
ALPHABET INC CAP STK CL C 02079K107 1,141 854 SH   SOLE   0 0 854
ALTRIA GROUP INC COM 02209S103 532 10,664 SH   SOLE   0 0 10,664
AMAZON COM INC COM 023135106 4,035 2,184 SH   SOLE   0 0 2,184
AMERICAN ELEC PWR CO INC COM 025537101 362 3,833 SH   SOLE   0 0 3,833
AMGEN INC COM 031162100 368 1,529 SH   SOLE   0 0 1,529
ANTARES PHARMA INC COM 036642106 122 26,125 SH   SOLE   0 0 26,125
APPLE INC COM 037833100 12,296 41,873 SH   SOLE   0 0 41,873
AQUA AMERICA INC COM 03836W103 1,230 26,204 SH   SOLE   0 0 26,204
AT&T INC COM 00206R102 882 22,578 SH   SOLE   0 0 22,578
AUTODESK INC COM 052769106 237 1,292 SH   SOLE   0 0 1,292
AUTOMATIC DATA PROCESSING INC COM 053015103 563 3,306 SH   SOLE   0 0 3,306
BANK AMER CORP COM 060505104 264 7,507 SH   SOLE   0 0 7,507
BECTON DICKINSON & CO COM 075887109 230 847 SH   SOLE   0 0 847
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 480 2,120 SH   SOLE   0 0 2,120
BOEING CO COM 097023105 1,294 3,974 SH   SOLE   0 0 3,974
BRISTOL MYERS SQUIBB CO COM 110122108 470 7,326 SH   SOLE   0 0 7,326
CHEVRON CORP NEW COM 166764100 1,239 10,283 SH   SOLE   0 0 10,283
CISCO SYS INC COM 17275R102 663 13,843 SH   SOLE   0 0 13,843
CITIGROUP INC COM NEW 172967424 356 4,465 SH   SOLE   0 0 4,465
CLOROX CO DEL COM 189054109 247 1,609 SH   SOLE   0 0 1,609
COCA COLA CO COM 191216100 435 7,875 SH   SOLE   0 0 7,875
COMCAST CORP NEW CL A 20030N101 539 11,999 SH   SOLE   0 0 11,999
COMMUNITY BK SYS INC COM 203607106 262 3,699 SH   SOLE   0 0 3,699
SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 475 3,794 SH   SOLE   0 0 3,794
CONSUMER STAPLES SELECT SECTOR SPDR FUND SBI CONS STPLS 81369Y308 261 4,147 SH   SOLE   0 0 4,147
DISNEY WALT CO COM DISNEY 254687106 666 4,607 SH   SOLE   0 0 4,607
DNP SELECT INCOME FD COM 23325P104 136 10,700 SH   SOLE   0 0 10,700
DOMINION ENERGY INC COM 25746U109 395 4,778 SH   SOLE   0 0 4,778
DOVER CORP COM 260003108 226 1,969 SH   SOLE   0 0 1,969
SELECT SECTOR SPDR TR ENERGY 81369Y506 464 7,736 SH   SOLE   0 0 7,736
EXXON MOBIL CORP COM 30231G102 887 12,712 SH   SOLE   0 0 12,712
FACEBOOK INC CL A 30303M102 1,833 8,932 SH   SOLE   0 0 8,932
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,632 53,046 SH   SOLE   0 0 53,046
FIRST TRUST MANAGED MUNICIPAL ETF MANAGD MUN ETF 33739N108 305 5,495 SH   SOLE   0 0 5,495
FISERV INC COM 337738108 201 1,744 SH   SOLE   0 0 1,744
FREEPORT-MCMORAN INC CL B 35671D857 336 25,613 SH   SOLE   0 0 25,613
GENERAL DYNAMICS CORP COM 369550108 407 2,312 SH   SOLE   0 0 2,312
GENERAL ELECTRIC CO COM 369604103 143 12,862 SH   SOLE   0 0 12,862
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 532 5,231 SH   SOLE   0 0 5,231
HOME DEPOT INC COM 437076102 912 4,179 SH   SOLE   0 0 4,179
HONEYWELL INTL INC COM 438516106 429 2,429 SH   SOLE   0 0 2,429
ILLINOIS TOOL WKS INC COM 452308109 529 2,947 SH   SOLE   0 0 2,947
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 435 5,347 SH   SOLE   0 0 5,347
INTEL CORP COM 458140100 1,415 23,655 SH   SOLE   0 0 23,655
INTERNATIONAL BUSINESS MACHS COM 459200101 447 3,338 SH   SOLE   0 0 3,338
INVESCO QQQ TRUST UNIT SER 1 46090E103 509 2,396 SH   SOLE   0 0 2,396
ISHARES TR 20 YR TR BD ETF 464287432 1,060 7,825 SH   SOLE   0 0 7,825
ISHARES TR CORE HIGH DV ETF 46429B663 1,720 17,539 SH   SOLE   0 0 17,539
ISHARES TR CORE MSCI EAFE 46432F842 733 11,247 SH   SOLE   0 0 11,247
ISHARES INC CORE MSCI EMKT 46434G103 263 4,906 SH   SOLE   0 0 4,906
ISHARES TR CORE MSCI TOTAL 46432F834 2,266 36,607 SH   SOLE   0 0 36,607
ISHARES TR CORE S&P500 ETF 464287200 1,911 5,915 SH   SOLE   0 0 5,915
ISHARES TR CORE S&P TTL STK 464287150 238 3,283 SH   SOLE   0 0 3,283
ISHARES TR CORE US AGGBD ET 464287226 4,216 37,526 SH   SOLE   0 0 37,526
ISHARES TR MIN VOL USA ETF 46429B697 9,271 141,332 SH   SOLE   0 0 141,332
ISHARES TR USA MOMENTUM FCT 46432F396 1,413 11,255 SH   SOLE   0 0 11,255
ISHARES TR USA QUALITY FCTR 46432F339 4,011 39,721 SH   SOLE   0 0 39,721
ISHARES TR GLOBAL TECH ETF 464287291 4,317 20,513 SH   SOLE   0 0 20,513
ISHARES TR IBOXX HI YD ETF 464288513 273 3,105 SH   SOLE   0 0 3,105
ISHARES TR IBOXX INV CP ETF 464287242 296 2,317 SH   SOLE   0 0 2,317
ISHARES TR INTRM TR CRP ETF 464288638 929 16,030 SH   SOLE   0 0 16,030
ISHARES TR JPMORGAN USD EMG 464288281 217 1,900 SH   SOLE   0 0 1,900
ISHARES TR MBS ETF 464288588 1,366 12,645 SH   SOLE   0 0 12,645
ISHARES TR PFD AND INCM SEC 464288687 399 10,629 SH   SOLE   0 0 10,629
ISHARES TR RUSSELL 2000 ETF 464287655 450 2,721 SH   SOLE   0 0 2,721
ISHARES TR RUS MID CAP ETF 464287499 646 10,846 SH   SOLE   0 0 10,846
ISHARES TR S&P 500 GRWT ETF 464287309 1,557 8,045 SH   SOLE   0 0 8,045
ISHARES TR S&P 500 VAL ETF 464287408 1,624 12,484 SH   SOLE   0 0 12,484
ISHARES TR CORE S&P MCP ETF 464287507 1,411 6,859 SH   SOLE   0 0 6,859
ISHARES TR CORE S&P SCP ETF 464287804 784 9,355 SH   SOLE   0 0 9,355
ISHARES US ETF TR SHT MAT BD ETF 46431W507 1,687 33,577 SH   SOLE   0 0 33,577
ISHARES TR SHRT NAT MUN ETF 464288158 878 8,227 SH   SOLE   0 0 8,227
ISHARES TR US TREAS BD ETF 46429B267 7,443 286,948 SH   SOLE   0 0 286,948
JOHNSON & JOHNSON COM 478160104 2,250 15,428 SH   SOLE   0 0 15,428
JPMORGAN CHASE & CO COM 46625H100 1,779 12,767 SH   SOLE   0 0 12,767
KIMBERLY CLARK CORP COM 494368103 413 3,008 SH   SOLE   0 0 3,008
L3HARRIS TECHNOLOGIES INC COM 502431109 448 2,268 SH   SOLE   0 0 2,268
LOCKHEED MARTIN CORP COM 539830109 533 1,370 SH   SOLE   0 0 1,370
LOWES COS INC COM 548661107 313 2,616 SH   SOLE   0 0 2,616
M & T BK CORP COM 55261F104 238 1,403 SH   SOLE   0 0 1,403
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 229 3,729 SH   SOLE   0 0 3,729
MAXIM INTEGRATED PRODS INC COM 57772K101 233 3,802 SH   SOLE   0 0 3,802
MCDONALDS CORP COM 580135101 911 4,611 SH   SOLE   0 0 4,611
MEDTRONIC PLC SHS G5960L103 462 4,081 SH   SOLE   0 0 4,081
MERCK & CO INC COM 58933Y105 1,637 18,008 SH   SOLE   0 0 18,008
MICROCHIP TECHNOLOGY INC COM 595017104 336 3,216 SH   SOLE   0 0 3,216
MICROSOFT CORP COM 594918104 3,188 20,216 SH   SOLE   0 0 20,216
NETFLIX INC COM 64110L106 613 1,896 SH   SOLE   0 0 1,896
NEXTERA ENERGY INC COM 65339F101 741 3,060 SH   SOLE   0 0 3,060
NIKE INC CL B 654106103 598 5,905 SH   SOLE   0 0 5,905
NORFOLK SOUTHERN CORP COM 655844108 328 1,694 SH   SOLE   0 0 1,694
NVIDIA CORP COM 67066G104 428 1,820 SH   SOLE   0 0 1,820
PAYPAL HLDGS INC COM 70450Y103 202 1,874 SH   SOLE   0 0 1,874
PENNS WOODS BANCORP INC COM 708430103 306 8,616 SH   SOLE   0 0 8,616
PEPSICO INC COM 713448108 716 5,244 SH   SOLE   0 0 5,244
PFIZER INC COM 717081103 722 18,450 SH   SOLE   0 0 18,450
PHILIP MORRIS INTL INC COM 718172109 591 6,947 SH   SOLE   0 0 6,947
PHILLIPS 66 COM 718546104 412 3,703 SH   SOLE   0 0 3,703
POLARITYTE INC COM 731094108 91 35,000 SH   SOLE   0 0 35,000
PPL CORP COM 69351T106 1,565 43,643 SH   SOLE   0 0 43,643
PROCTER & GAMBLE CO COM 742718109 766 6,136 SH   SOLE   0 0 6,136
PROSPECT CAPITAL CORPORATION NOTE 4.750% 4/1 74348TAQ5 10 10,000 SH   SOLE   0 0 10,000
QUALCOMM INC COM 747525103 257 2,913 SH   SOLE   0 0 2,913
RAYTHEON CO COM NEW 755111507 273 1,244 SH   SOLE   0 0 1,244
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 225 5,834 SH   SOLE   0 0 5,834
ALPS ETF TR RIVERFRNT FLEX 00162Q510 218 6,113 SH   SOLE   0 0 6,113
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 558 16,597 SH   SOLE   0 0 16,597
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,425 40,344 SH   SOLE   0 0 40,344
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 204 2,708 SH   SOLE   0 0 2,708
SOUTHERN CO COM 842587107 388 6,103 SH   SOLE   0 0 6,103
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 211 4,105 SH   SOLE   0 0 4,105
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 404 15,697 SH   SOLE   0 0 15,697
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,455 46,432 SH   SOLE   0 0 46,432
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 692 18,429 SH   SOLE   0 0 18,429
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 251 5,994 SH   SOLE   0 0 5,994
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 254 7,279 SH   SOLE   0 0 7,279
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 5,594 140,347 SH   SOLE   0 0 140,347
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,915 5,951 SH   SOLE   0 0 5,951
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 447 6,805 SH   SOLE   0 0 6,805
STARBUCKS CORP COM 855244109 423 4,822 SH   SOLE   0 0 4,822
SYSCO CORP COM 871829107 234 2,739 SH   SOLE   0 0 2,739
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 714 7,796 SH   SOLE   0 0 7,796
TESLA INC COM 88160R101 290 695 SH   SOLE   0 0 695
TRUIST FINL CORP COM 89832Q109 272 4,843 SH   SOLE   0 0 4,843
TWITTER INC COM 90184L102 218 6,810 SH   SOLE   0 0 6,810
UNION PACIFIC CORP COM 907818108 229 1,268 SH   SOLE   0 0 1,268
UNITED PARCEL SERVICE INC CL B 911312106 1,773 15,148 SH   SOLE   0 0 15,148
UNITED TECHNOLOGIES CORP COM 913017109 404 2,702 SH   SOLE   0 0 2,702
UNITEDHEALTH GROUP INC COM 91324P102 969 3,297 SH   SOLE   0 0 3,297
UNIVEST FINANCIAL CORPORATION COM 915271100 554 20,692 SH   SOLE   0 0 20,692
US BANCORP DEL COM NEW 902973304 386 6,520 SH   SOLE   0 0 6,520
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 487 7,547 SH   SOLE   0 0 7,547
VALERO ENERGY CORP NEW COM 91913Y100 324 3,467 SH   SOLE   0 0 3,467
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 665 15,094 SH   SOLE   0 0 15,094
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 559 12,588 SH   SOLE   0 0 12,588
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 353 6,026 SH   SOLE   0 0 6,026
VANGUARD WORLD FDS INF TECH ETF 92204A702 400 1,634 SH   SOLE   0 0 1,634
VANGUARD INDEX FDS LARGE CAP ETF 922908637 705 4,772 SH   SOLE   0 0 4,772
VANGUARD WORLD FD MEGA GRWTH IND 921910816 6,354 43,622 SH   SOLE   0 0 43,622
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 490 3,089 SH   SOLE   0 0 3,089
VANGUARD INDEX FDS MID CAP ETF 922908629 424 2,382 SH   SOLE   0 0 2,382
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 572 6,170 SH   SOLE   0 0 6,170
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 3,884 21,468 SH   SOLE   0 0 21,468
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 3,599 30,035 SH   SOLE   0 0 30,035
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 335 2,414 SH   SOLE   0 0 2,414
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 269 3,328 SH   SOLE   0 0 3,328
VANGUARD INDEX FDS SMALL CP ETF 922908751 581 3,509 SH   SOLE   0 0 3,509
VANGUARD INDEX FDS TOTAL STK MKT 922908769 644 3,936 SH   SOLE   0 0 3,936
CREDIT SUISSE NASSAU BRH VELOCITY SHS NEW 22542D258 271 5,300 SH   SOLE   0 0 5,300
VERIZON COMMUNICATIONS INC COM 92343V104 1,942 31,638 SH   SOLE   0 0 31,638
VISA INC COM CL A 92826C839 648 3,453 SH   SOLE   0 0 3,453
WALMART INC COM 931142103 467 3,931 SH   SOLE   0 0 3,931
WASTE MGMT INC DEL COM 94106L109 360 3,164 SH   SOLE   0 0 3,164
WELLS FARGO CO NEW COM 949746101 349 6,487 SH   SOLE   0 0 6,487
WELLTOWER INC COM 95040Q104 275 3,374 SH   SOLE   0 0 3,374
WEYERHAEUSER CO COM 962166104 233 7,725 SH   SOLE   0 0 7,725
WISDOMTREE TR US MIDCAP DIVID 97717W505 266 7,002 SH   SOLE   0 0 7,002
ZYNERBA PHARMACEUTICALS INC COM 98986X109 159 26,419 SH   SOLE   0 0 26,419