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
ABBOTT LABS COM 002824100   221,625 2,019 SH   SOLE   0 0 2,019
AMAZON COM INC COM 023135106   562,800 6,700 SH   SOLE   0 0 6,700
APPLE INC COM 037833100   3,345,329 25,747 SH   SOLE   0 0 25,747
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   958,208 3,102 SH   SOLE   0 0 3,102
COMMUNITY BK SYS INC COM 203607106   251,800 4,000 SH   SOLE   0 0 4,000
DANAHER CORPORATION COM 235851102   803,957 3,029 SH   SOLE   0 0 3,029
ISHARES TR CORE S&P500 ETF 464287200   1,274,579 3,317 SH   SOLE   0 0 3,317
ISHARES TR CORE US AGGBD ET 464287226   4,164,465 42,937 SH   SOLE   0 0 42,937
ISHARES TR S&P 500 GRWT ETF 464287309   508,482 8,692 SH   SOLE   0 0 8,692
ISHARES TR 20 YR TR BD ETF 464287432   25,866,258 259,806 SH   SOLE   0 0 259,806
ISHARES TR 7-10 YR TRSY BD 464287440   26,368,782 275,306 SH   SOLE   0 0 275,306
ISHARES TR 1 3 YR TREAS BD 464287457   3,784,170 46,620 SH   SOLE   0 0 46,620
ISHARES TR RUS MDCP VAL ETF 464287473   360,274 3,420 SH   SOLE   0 0 3,420
ISHARES TR RUS MD CP GR ETF 464287481   317,262 3,795 SH   SOLE   0 0 3,795
ISHARES TR CORE S&P MCP ETF 464287507   16,789,583 69,410 SH   SOLE   0 0 69,410
ISHARES TR RUS 2000 GRW ETF 464287648   274,157 1,278 SH   SOLE   0 0 1,278
ISHARES TR CORE S&P US VLU 464287663   399,844 5,661 SH   SOLE   0 0 5,661
ISHARES TR CORE S&P US GWT 464287671   395,375 4,850 SH   SOLE   0 0 4,850
ISHARES TR CORE S&P SCP ETF 464287804   43,284,822 457,363 SH   SOLE   0 0 457,363
ISHARES TR SP SMCP600VL ETF 464287879   7,085,157 77,595 SH   SOLE   0 0 77,595
ISHARES TR S&P SML 600 GWT 464287887   538,423 4,982 SH   SOLE   0 0 4,982
ISHARES TR GL CLEAN ENE ETF 464288224   269,269 13,565 SH   SOLE   0 0 13,565
ISHARES TR ISHS 1-5YR INVS 464288646   2,674,537 53,684 SH   SOLE   0 0 53,684
ISHARES TR 10-20 YR TRS ETF 464288653   2,217,474 20,498 SH   SOLE   0 0 20,498
ISHARES TR 3 7 YR TREAS BD 464288661   23,218,252 202,091 SH   SOLE   0 0 202,091
ISHARES TR SHORT TREAS BD 464288679   7,485,385 68,098 SH   SOLE   0 0 68,098
JOHNSON & JOHNSON COM 478160104   372,584 2,109 SH   SOLE   0 0 2,109
MICROSOFT CORP COM 594918104   1,041,260 4,342 SH   SOLE   0 0 4,342
PEPSICO INC COM 713448108   244,252 1,352 SH   SOLE   0 0 1,352
PFIZER INC COM 717081103   357,959 6,986 SH   SOLE   0 0 6,986
PROCTER AND GAMBLE CO COM 742718109   234,160 1,545 SH   SOLE   0 0 1,545
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   770,384 17,192 SH   SOLE   0 0 17,192
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   227,213 3,463 SH   SOLE   0 0 3,463
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   229,479 3,038 SH   SOLE   0 0 3,038
SCHWAB STRATEGIC TR US REIT ETF 808524847   204,879 10,621 SH   SOLE   0 0 10,621
TYLER TECHNOLOGIES INC COM 902252105   335,306 1,040 SH   SOLE   0 0 1,040
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,175,242 27,496 SH   SOLE   0 0 27,496
VANGUARD WORLD FD ESG INTL STK ETF 921910725   691,218 14,052 SH   SOLE   0 0 14,052
VANGUARD WORLD FD ESG US STK ETF 921910733   8,158,295 123,873 SH   SOLE   0 0 123,873
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   325,902 1,545 SH   SOLE   0 0 1,545
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   16,155,533 102,869 SH   SOLE   0 0 102,869
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   25,495,868 147,111 SH   SOLE   0 0 147,111
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,835,319 157,217 SH   SOLE   0 0 157,217
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,328,171 222,258 SH   SOLE   0 0 222,258
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   36,706,704 339,217 SH   SOLE   0 0 339,217
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,868,484 27,901 SH   SOLE   0 0 27,901
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,156,687 132,291 SH   SOLE   0 0 132,291
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   892,238 16,094 SH   SOLE   0 0 16,094
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   75,854,802 215,901 SH   SOLE   0 0 215,901
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   546,014 4,037 SH   SOLE   0 0 4,037
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   24,135,942 292,628 SH   SOLE   0 0 292,628
VANGUARD INDEX FDS SML CP GRW ETF 922908595   15,371,907 76,653 SH   SOLE   0 0 76,653
VANGUARD INDEX FDS SM CP VAL ETF 922908611   664,019 4,181 SH   SOLE   0 0 4,181
VANGUARD INDEX FDS GROWTH ETF 922908736   18,296,342 85,854 SH   SOLE   0 0 85,854
VANGUARD INDEX FDS VALUE ETF 922908744   826,762 5,890 SH   SOLE   0 0 5,890
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,449,818 18,796 SH   SOLE   0 0 18,796
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,984,237 26,070 SH   SOLE   0 0 26,070
ALPHABET INC CAP STK CL C 02079K107   425,460 4,795 SH   SOLE   0 0 4,795
ALPHABET INC CAP STK CL A 02079K305   233,545 2,647 SH   SOLE   0 0 2,647
COSTCO WHSL CORP NEW COM 22160K105   368,176 807 SH   SOLE   0 0 807
EXXON MOBIL CORP COM 30231G102   612,111 5,550 SH   SOLE   0 0 5,550
INVESCO QQQ TR UNIT SER 1 46090E103   635,078 2,385 SH   SOLE   0 0 2,385
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   857,894 16,619 SH   SOLE   0 0 16,619
ISHARES TR US TREAS BD ETF 46429B267   8,505,702 374,371 SH   SOLE   0 0 374,371
ISHARES TR 0-5 YR TIPS ETF 46429B747   242,400 2,500 SH   SOLE   0 0 2,500
ISHARES INC CORE MSCI EMKT 46434G103   2,264,343 48,487 SH   SOLE   0 0 48,487
ISHARES INC ESG AWR MSCI EM 46434G863   222,698 7,406 SH   SOLE   0 0 7,406
ISHARES TR ESG AWRE 1 5 YR 46435G243   632,211 26,597 SH   SOLE   0 0 26,597
ISHARES TR ESG AWR US AGRGT 46435U549   869,037 18,593 SH   SOLE   0 0 18,593
ISHARES TR ESG AWARE MSCI 46435U663   465,778 14,166 SH   SOLE   0 0 14,166
MERCK & CO INC COM 58933Y105   224,674 2,025 SH   SOLE   0 0 2,025
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   2,295,039 67,028 SH   SOLE   0 0 67,028
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,359,754 3,556 SH   SOLE   0 0 3,556
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,377,483 86,392 SH   SOLE   0 0 86,392
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,383,261 17,543 SH   SOLE   0 0 17,543
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   239,231 3,209 SH   SOLE   0 0 3,209
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   304,844 3,104 SH   SOLE   0 0 3,104
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   764,559 6,144 SH   SOLE   0 0 6,144
UNITEDHEALTH GROUP INC COM 91324P102   242,292 457 SH   SOLE   0 0 457
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   704,020 3,675 SH   SOLE   0 0 3,675
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   967,890 3,902 SH   SOLE   0 0 3,902
VANGUARD WORLD FDS INF TECH ETF 92204A702   515,407 1,614 SH   SOLE   0 0 1,614
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,062,266 35,667 SH   SOLE   0 0 35,667
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,246,779 43,181 SH   SOLE   0 0 43,181
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,774,147 32,187 SH   SOLE   0 0 32,187
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   716,789 12,257 SH   SOLE   0 0 12,257
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   3,078,165 49,954 SH   SOLE   0 0 49,954
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101   306,185 4,520 SH   SOLE   0 0 4,520
NYMOX PHARMACEUTICAL CORP COM P73398102   2,970 10,000 SH   SOLE   0 0 10,000