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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 302 92 SH   SOLE   0 0 92
AMGEN INC COM 031162100 280 1,319 SH   SOLE   0 0 1,319
APPLE INC COM 037833100 425 3,003 SH   SOLE   0 0 3,003
APPLIED MATLS INC COM 038222105 245 1,900 SH   SOLE   0 0 1,900
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 794 2,909 SH   SOLE   0 0 2,909
CORNING INC COM 219350105 1,397 38,274 SH   SOLE   0 0 38,274
ELMIRA SVGS BK ELMIRA N Y COM 289660102 176 13,182 SH   SOLE   0 0 13,182
FORTIVE CORP NOTE 0.875% 2/1 34959JAK4 84 84,000 PRN   SOLE   0 0 84,000
GOLDMAN SACHS BDC INC NOTE 4.500% 4/0 38147UAB3 10 10,000 PRN   SOLE   0 0 10,000
ISHARES TR CORE S&P500 ETF 464287200 751 1,744 SH   SOLE   0 0 1,744
ISHARES TR ISHS 5-10YR INVT 464288638 14,532 241,961 SH   SOLE   0 0 241,961
JOHNSON & JOHNSON COM 478160104 654 4,050 SH   SOLE   0 0 4,050
MICROSOFT CORP COM 594918104 382 1,355 SH   SOLE   0 0 1,355
NEXTERA ENERGY INC COM 65339F101 336 4,273 SH   SOLE   0 0 4,273
NORFOLK SOUTHN CORP COM 655844108 377 1,575 SH   SOLE   0 0 1,575
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,967 97,358 SH   SOLE   0 0 97,358
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,110 183,730 SH   SOLE   0 0 183,730
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 219 2,107 SH   SOLE   0 0 2,107
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,693 16,909 SH   SOLE   0 0 16,909
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 277 7,654 SH   SOLE   0 0 7,654
SPDR SER TR PORTFOLI S&P1500 78464A805 348 6,561 SH   SOLE   0 0 6,561
THERMO FISHER SCIENTIFIC INC COM 883556102 234 410 SH   SOLE   0 0 410
UNITEDHEALTH GROUP INC COM 91324P102 524 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS MID CAP ETF 922908629 26,305 111,104 SH   SOLE   0 0 111,104
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 44,247 112,188 SH   SOLE   0 0 112,188
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,444 88,920 SH   SOLE   0 0 88,920
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,829 8,235 SH   SOLE   0 0 8,235
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,554 382,891 SH   SOLE   0 0 382,891