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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100   467 4,827 SH   SOLE   0 0 4,827
AbbVie Inc COM 00287y109   549 3,685 SH   SOLE   0 0 3,685
Accenture PLC Ireland Class A COM g1151c101   618 2,011 SH   SOLE   0 0 2,011
Adobe Inc COM 00724f101   918 1,800 SH   SOLE   0 0 1,800
Air Prods & Chems Inc COM 009158106   570 2,010 SH   SOLE   0 0 2,010
Alphabet Inc Cap Stock Cl A COM 02079k305   31 240 SH   SOLE   0 0 240
Alphabet Inc Cap Stock Cl C COM 02079k107   2,027 15,375 SH   SOLE   0 0 15,375
Amazon.com Inc COM 023135106   1,105 8,690 SH   SOLE   0 0 8,690
American Express Co COM 025816109   298 2,000 SH   SOLE   0 0 2,000
Amgen Inc COM 031162100   564 2,100 SH   SOLE   0 0 2,100
Analog Devices Inc COM 032654105   3 18 SH   SOLE   0 0 18
Apple Inc COM 037833100   4,431 25,881 SH   SOLE   0 0 25,881
Atmos Energy Corp COM 049560105   5 45 SH   SOLE   0 0 45
Automatic Data Processing Inc COM 053015103   3 13 SH   SOLE   0 0 13
Bank New York Mellon Corp COM 064058100   113 2,657 SH   SOLE   0 0 2,657
Becton Dickinson & Co COM 075887109   59 228 SH   SOLE   0 0 228
Berkshire Hathaway Inc Cl B COM 084670702   2,330 6,651 SH   SOLE   0 0 6,651
BlackRock Inc COM 09247x101   3 4 SH   SOLE   0 0 4
BROADCOM INC COM COM 11135f101   664 800 SH   SOLE   0 0 800
Charter Communications Inc Cl COM 16119p108   23 52 SH   SOLE   0 0 52
Chubb Limited COM h1467j104   3 14 SH   SOLE   0 0 14
Cisco Systems Inc COM 17275r102   1,876 34,892 SH   SOLE   0 0 34,892
CMS Energy Corp COM 125896100   2 38 SH   SOLE   0 0 38
Colgate Palmolive Co COM 194162103   2 29 SH   SOLE   0 0 29
Comcast Corp Cl A COM 20030n101   2 49 SH   SOLE   0 0 49
Constellation Brands Inc Cl A COM 21036p108   1,104 4,392 SH   SOLE   0 0 4,392
Costco Wholesale Corp COM 22160k105   569 1,008 SH   SOLE   0 0 1,008
CSX Corp COM 126408103   458 14,895 SH   SOLE   0 0 14,895
CVS Health Corp COM 126650100   76 1,090 SH   SOLE   0 0 1,090
Disney Walt Co Disney COM 254687106   24 300 SH   SOLE   0 0 300
Emerson Electric Co COM 291011104   3 29 SH   SOLE   0 0 29
Eversource Energy COM 30040w108   2 30 SH   SOLE   0 0 30
Exxon Mobil Corp COM 30231g102   635 5,400 SH   SOLE   0 0 5,400
FactSet Research Systems Inc COM 303075105   3 7 SH   SOLE   0 0 7
General Mills Inc COM 370334104   422 6,600 SH   SOLE   0 0 6,600
Home Depot Inc COM 437076102   580 1,920 SH   SOLE   0 0 1,920
Honeywell Intl Inc COM 438516106   695 3,761 SH   SOLE   0 0 3,761
Intel Corp COM 458140100   444 12,500 SH   SOLE   0 0 12,500
Intl Business Machines COM 459200101   370 2,637 SH   SOLE   0 0 2,637
Johnson & Johnson COM 478160104   1,729 11,102 SH   SOLE   0 0 11,102
JPMorgan Chase & Co COM 46625h100   424 2,925 SH   SOLE   0 0 2,925
L3harris Technologies Inc COM 502431109   123 707 SH   SOLE   0 0 707
LINDE PLC COM g54950103   4 11 SH   SOLE   0 0 11
Lowes Cos Inc COM 548661107   4 19 SH   SOLE   0 0 19
M & T Bank Corp COM 55261f104   345 2,730 SH   SOLE   0 0 2,730
McDonalds Corp COM 580135101   3 10 SH   SOLE   0 0 10
Medtronic PLC COM g5960l103   2 24 SH   SOLE   0 0 24
Merck & Co Inc COM 58933y105   865 8,400 SH   SOLE   0 0 8,400
Microsoft Corp COM 594918104   1,795 5,684 SH   SOLE   0 0 5,684
Mondelez Intl Inc Cl A COM 609207105   3 42 SH   SOLE   0 0 42
Morgan Stanley COM 617446448   2 29 SH   SOLE   0 0 29
NBT Bancorp Inc COM 628778102   50 1,592 SH   SOLE   0 0 1,592
Nextera Energy Inc COM 65339f101   338 5,904 SH   SOLE   0 0 5,904
NVIDIA Corp COM 67066g104   435 1,000 SH   SOLE   0 0 1,000
Oneok Inc COM 682680103   885 13,955 SH   SOLE   0 0 13,955
Paychex Inc COM 704326107   3 25 SH   SOLE   0 0 25
PepsiCo Inc COM 713448108   1,038 6,124 SH   SOLE   0 0 6,124
Pfizer Inc COM 717081103   453 13,650 SH   SOLE   0 0 13,650
Pioneer Natural Resources Co COM 723787107   126 550 SH   SOLE   0 0 550
PPG Industries Inc COM 693506107   2 18 SH   SOLE   0 0 18
Procter And Gamble Co COM 742718109   915 6,270 SH   SOLE   0 0 6,270
Qualcomm Inc COM 747525103   630 5,670 SH   SOLE   0 0 5,670
Royal Bank of Canada Montreal COM 780087102   295 3,370 SH   SOLE   0 0 3,370
S&P Global Inc COM 78409v104   3 9 SH   SOLE   0 0 9
Smucker J M Co COM 832696405   2 17 SH   SOLE   0 0 17
Starbucks Corp COM 855244109   2 27 SH   SOLE   0 0 27
Stryker Corp COM 863667101   3 11 SH   SOLE   0 0 11
Texas Instruments Inc COM 882508104   140 882 SH   SOLE   0 0 882
TJX Cos Inc COM 872540109   3 38 SH   SOLE   0 0 38
Trane Technologies PLC COM g8994e103   406 2,000 SH   SOLE   0 0 2,000
Travelers Companies Inc COM 89417e109   18 108 SH   SOLE   0 0 108
United Parcel Service Inc Cl B COM 911312106   3 20 SH   SOLE   0 0 20
UnitedHealth Group Inc COM 91324p102   4 8 SH   SOLE   0 0 8
Valero Energy Corp COM 91913y100   425 3,000 SH   SOLE   0 0 3,000
Wal-Mart Stores Inc COM 931142103   323 2,020 SH   SOLE   0 0 2,020
ASML Holding NV NY Registry ADR n07059210   171 290 SH   SOLE   0 0 290
Nestle SA Sp ADR ADR 641069406   679 6,000 SH   SOLE   0 0 6,000
Alps Etf Tr Alerian Mlp UIU 00162q452   157 3,725 SH   SOLE   0 0 3,725
Fidelity MSCI Consm Dis UIU 316092204   629 9,010 SH   SOLE   0 0 9,010
Fidelity MSCI Info Tech I UIU 316092808   259 2,110 SH   SOLE   0 0 2,110
Global X Funds Lithium Btry ET UIU 37954y855   9 165 SH   SOLE   0 0 165
Invesco Qqq Tr Unit Ser 1 UIU 46090e103   14,272 39,836 SH   SOLE   0 0 39,836
iShares Core S & P Small Cap UIU 464287804   3,956 41,936 SH   SOLE   0 0 41,936
iShares Core S&P 500 ETF UIU 464287200   66 153 SH   SOLE   0 0 153
iShares Core S&P Mid-Cap UIU 464287507   6,564 26,325 SH   SOLE   0 0 26,325
iShares MSCI ACWI ETF UIU 464288257   154 1,665 SH   SOLE   0 0 1,665
iShares MSCI Germany ETF UIU 464286806   132 5,055 SH   SOLE   0 0 5,055
iShares S&P 500 Growth ETF UIU 464287309   37 545 SH   SOLE   0 0 545
iShares S&P Mc 400Gr ETF UIU 464287606   18 256 SH   SOLE   0 0 256
iShares US Aer&Def ETF UIU 464288760   453 4,275 SH   SOLE   0 0 4,275
iShares US Bas Mtl ETF UIU 464287838   224 1,775 SH   SOLE   0 0 1,775
iShares US Financials ETF UIU 464287788   661 8,845 SH   SOLE   0 0 8,845
iShares US Industries ETF UIU 464287754   2,221 22,010 SH   SOLE   0 0 22,010
iShares US Tech ETF UIU 464287721   63 600 SH   SOLE   0 0 600
ProShares S&P Tech Dividen UIU 74347g606   310 4,990 SH   SOLE   0 0 4,990
Select Sector SPDR Cons Discre UIU 81369y407   1,758 10,921 SH   SOLE   0 0 10,921
Select Sector SPDR Consumer St UIU 81369y308   1,532 22,260 SH   SOLE   0 0 22,260
Select Sector SPDR Energy UIU 81369y506   423 4,685 SH   SOLE   0 0 4,685
Select Sector SPDR Financial UIU 81369y605   213 6,430 SH   SOLE   0 0 6,430
Select Sector SPDR Healthcare UIU 81369y209   2,549 19,799 SH   SOLE   0 0 19,799
Select Sector SPDR Industrials UIU 81369y704   957 9,440 SH   SOLE   0 0 9,440
Select Sector SPDR Tr Communic UIU 81369y852   365 5,574 SH   SOLE   0 0 5,574
Select Sector SPDR Utilities UIU 81369y886   64 1,085 SH   SOLE   0 0 1,085
SPDR Asia Pacific ETF UIU 78463x301   658 6,765 SH   SOLE   0 0 6,765
SPDR Dow Jones Industrial Avrg UIU 78467x109   5,837 17,427 SH   SOLE   0 0 17,427
SPDR S&P 500 ETF Tr UIU 78462f103   16,956 39,666 SH   SOLE   0 0 39,666
SPDR S&P Div ETF UIU 78464a763   432 3,760 SH   SOLE   0 0 3,760
SPDR S&P Metals Mining UIU 78464a755   285 5,435 SH   SOLE   0 0 5,435
Vanguard FTSE Developed Market UIU 921943858   32 740 SH   SOLE   0 0 740
Vanguard FTSE Europe ETF UIU 922042874   65 1,127 SH   SOLE   0 0 1,127
Vanguard Health Care ETF UIU 92204a504   155 660 SH   SOLE   0 0 660
Vanguard Materials ETF UIU 92204a801   15 85 SH   SOLE   0 0 85
Vanguard Mid Cap ETF UIU 922908629   406 1,950 SH   SOLE   0 0 1,950
Vanguard Small Cap ETF UIU 922908751   27 143 SH   SOLE   0 0 143
Vanguard Telecom ETF UIU 92204a884   7 71 SH   SOLE   0 0 71
Vanguard Value ETF UIU 922908744   1,002 7,266 SH   SOLE   0 0 7,266
American Beacon Small Cap Valu MTF 02368a620   280 12,677 SH   SOLE   0 0 12,677
BNY Mellon Mid Cap Multi Strat MTF 05569m608   841 52,048 SH   SOLE   0 0 52,048
BNY Mellon Small Cap Multi Str MTF 05569m889   339 19,902 SH   SOLE   0 0 19,902
Fidelity Tr 500 Index Ins Prem MTF 315911750   645 4,316 SH   SOLE   0 0 4,316
First Eagle Global Fund Cl I MTF 32008f606   25 400 SH   SOLE   0 0 400
Selected American Inc Cl S MTF 816221105   106 2,995 SH   SOLE   0 0 2,995
Enterprise Products Partners L ML 293792107   309 11,300 SH   SOLE   0 0 11,300
American Tower Corp RET 03027x100   2 10 SH   SOLE   0 0 10
Crown Castle Intl Corp RET 22822v101   773 8,397 SH   SOLE   0 0 8,397
Realty Income Corp RET 756109104   962 19,255 SH   SOLE   0 0 19,255