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
23ANDME HOLDING CO CLASS A COM 90138Q108   12,110 13,257 SH   SOLE   0 0 13,257
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   975,791 2,781 SH   SOLE   0 0 2,781
AIR PRODS & CHEMS INC COM 009158106   510,363 1,864 SH   SOLE   0 0 1,864
ALLSTATE CORP COM 020002101   315,683 2,255 SH   SOLE   0 0 2,255
ALPHABET INC CAP STK CL A 02079K305   2,960,730 21,195 SH   SOLE   0 0 21,195
AMAZON COM INC COM 023135106   1,420,791 9,351 SH   SOLE   0 0 9,351
AMERIPRISE FINL INC COM 03076C106   787,052 2,072 SH   SOLE   0 0 2,072
APPLE INC COM 037833100   5,253,291 27,286 SH   SOLE   0 0 27,286
APTIV PLC SHS G6095L109   288,566 3,216 SH   SOLE   0 0 3,216
BANK AMERICA CORP COM 060505104   471,627 14,007 SH   SOLE   0 0 14,007
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,592,130 4,464 SH   SOLE   0 0 4,464
BIOGEN INC COM 09062X103   464,233 1,794 SH   SOLE   0 0 1,794
BOEING CO COM 097023105   206,182 791 SH   SOLE   0 0 791
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   58,379 10,811 SH   SOLE   0 0 10,811
CAPITAL ONE FINL CORP COM 14040H105   274,875 2,096 SH   SOLE   0 0 2,096
CELANESE CORP DEL COM 150870103   526,689 3,390 SH   SOLE   0 0 3,390
CF INDS HLDGS INC COM 125269100   277,806 3,494 SH   SOLE   0 0 3,494
CHEVRON CORP NEW COM 166764100   1,289,682 8,646 SH   SOLE   0 0 8,646
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   53,270 22,961 SH   SOLE   0 0 22,961
CISCO SYS INC COM 17275R102   1,332,691 26,379 SH   SOLE   0 0 26,379
CITIZENS & NORTHN CORP COM 172922106   375,247 16,730 SH   SOLE   0 0 16,730
COMPASS DIVERSIFIED SH BEN INT 20451Q104   238,246 10,612 SH   SOLE   0 0 10,612
CONOCOPHILLIPS COM 20825C104   537,223 4,628 SH   SOLE   0 0 4,628
CONSTELLATION BRANDS INC CL A 21036P108   1,258,548 5,206 SH   SOLE   0 0 5,206
CUMMINS INC COM 231021106   549,739 2,295 SH   SOLE   0 0 2,295
CVS HEALTH CORP COM 126650100   283,068 3,585 SH   SOLE   0 0 3,585
DANAHER CORPORATION COM 235851102   689,979 2,983 SH   SOLE   0 0 2,983
DARDEN RESTAURANTS INC COM 237194105   499,973 3,043 SH   SOLE   0 0 3,043
DISNEY WALT CO COM 254687106   1,023,416 11,335 SH   SOLE   0 0 11,335
DTE ENERGY CO COM 233331107   1,196,544 10,852 SH   SOLE   0 0 10,852
ECOLAB INC COM 278865100   566,513 2,856 SH   SOLE   0 0 2,856
EQT CORP COM 26884L109   487,001 12,597 SH   SOLE   0 0 12,597
EXXON MOBIL CORP COM 30231G102   333,887 3,340 SH   SOLE   0 0 3,340
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   240,970 3,725 SH   SOLE   0 0 3,725
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   508,486 3,540 SH   SOLE   0 0 3,540
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   316,841 6,133 SH   SOLE   0 0 6,133
FISERV INC COM 337738108   636,835 4,794 SH   SOLE   0 0 4,794
FORD MTR CO DEL COM 345370860   601,079 49,309 SH   SOLE   0 0 49,309
GAN LTD SHS G3728V109   24,542 15,533 SH   SOLE   0 0 15,533
GENERAC HLDGS INC COM 368736104   510,240 3,948 SH   SOLE   0 0 3,948
GILEAD SCIENCES INC COM 375558103   207,224 2,558 SH   SOLE   0 0 2,558
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   16,166,187 172,329 SH   SOLE   0 0 172,329
HOST HOTELS & RESORTS INC COM 44107P104   292,859 15,042 SH   SOLE   0 0 15,042
HP INC COM 40434L105   272,160 9,045 SH   SOLE   0 0 9,045
INTEL CORP COM 458140100   1,831,475 36,447 SH   SOLE   0 0 36,447
INTERNATIONAL BUSINESS MACHS COM 459200101   837,655 5,122 SH   SOLE   0 0 5,122
INVESCO ACTVELY MNGD ETC FD ELC VEH MTLS CDT 46090F209   393,582 23,286 SH   SOLE   0 0 23,286
ISHARES TR CORE S&P500 ETF 464287200   214,950 450 SH   SOLE   0 0 450
ISHARES TR CORE US AGGBD ET 464287226   4,887,869 49,248 SH   SOLE   0 0 49,248
ISHARES TR MSCI EAFE ETF 464287465   236,222 3,135 SH   SOLE   0 0 3,135
ISHARES TR RUS MDCP VAL ETF 464287473   499,233 4,293 SH   SOLE   0 0 4,293
ISHARES TR RUS MD CP GR ETF 464287481   431,942 4,135 SH   SOLE   0 0 4,135
ISHARES TR EAFE SML CP ETF 464288273   347,878 5,620 SH   SOLE   0 0 5,620
ISHARES TR NATIONAL MUN ETF 464288414   1,839,812 16,971 SH   SOLE   0 0 16,971
ISHARES TR MSCI USA QLT FCT 46432F339   324,981 2,209 SH   SOLE   0 0 2,209
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,554,487 62,404 SH   SOLE   0 0 62,404
ISHARES TR ESG AW MSCI EAFE 46435G516   256,005 3,389 SH   SOLE   0 0 3,389
ISHARES TR MSCI GBL SUS DEV 46435G532   579,508 7,150 SH   SOLE   0 0 7,150
ISHARES TR IBONDS DEC2026 46435GAA0   1,542,067 64,522 SH   SOLE   0 0 64,522
ISHARES TR IBONDS DEC 26 46435U259   462,042 18,111 SH   SOLE   0 0 18,111
ISHARES TR IBONDS DEC 28 46435U325   447,805 17,499 SH   SOLE   0 0 17,499
ISHARES TR IBDS DEC28 ETF 46435U515   1,600,789 63,802 SH   SOLE   0 0 63,802
ISHARES TR IBONDS DEC 46435U697   500,393 19,298 SH   SOLE   0 0 19,298
ISHARES TR IBONDS DEC 2030 46436E726   1,550,084 71,630 SH   SOLE   0 0 71,630
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,253,895 44,420 SH   SOLE   0 0 44,420
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   359,712 7,161 SH   SOLE   0 0 7,161
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   11,147,032 223,253 SH   SOLE   0 0 223,253
JOHNSON & JOHNSON COM 478160104   973,554 6,211 SH   SOLE   0 0 6,211
JPMORGAN CHASE & CO COM 46625H100   1,774,427 10,432 SH   SOLE   0 0 10,432
KEYCORP COM 493267108   512,768 35,609 SH   SOLE   0 0 35,609
KLA CORP COM NEW 482480100   973,249 1,674 SH   SOLE   0 0 1,674
LKQ CORP COM 501889208   249,905 5,229 SH   SOLE   0 0 5,229
LOWES COS INC COM 548661107   1,376,328 6,184 SH   SOLE   0 0 6,184
M & T BK CORP COM 55261F104   564,714 4,120 SH   SOLE   0 0 4,120
MASCO CORP COM 574599106   560,996 8,376 SH   SOLE   0 0 8,376
MASTERCARD INCORPORATED CL A 57636Q104   1,882,286 4,413 SH   SOLE   0 0 4,413
MCKESSON CORP COM 58155Q103   894,092 1,931 SH   SOLE   0 0 1,931
MERCK & CO INC COM 58933Y105   699,915 6,420 SH   SOLE   0 0 6,420
META PLATFORMS INC CL A 30303M102   822,957 2,325 SH   SOLE   0 0 2,325
METLIFE INC COM 59156R108   436,518 6,601 SH   SOLE   0 0 6,601
MICROSOFT CORP COM 594918104   3,366,540 8,953 SH   SOLE   0 0 8,953
NETFLIX INC COM 64110L106   760,507 1,562 SH   SOLE   0 0 1,562
NOKIA CORP SPONSORED ADR 654902204   40,948 11,973 SH   SOLE   0 0 11,973
NVIDIA CORPORATION COM 67066G104   2,052,693 4,145 SH   SOLE   0 0 4,145
PENNS WOODS BANCORP INC COM 708430103   400,790 17,805 SH   SOLE   0 0 17,805
PFIZER INC COM 717081103   838,692 29,131 SH   SOLE   0 0 29,131
PRUDENTIAL FINL INC COM 744320102   899,570 8,674 SH   SOLE   0 0 8,674
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   583,242 9,538 SH   SOLE   0 0 9,538
QUANTA SVCS INC COM 74762E102   504,953 2,340 SH   SOLE   0 0 2,340
REGENERON PHARMACEUTICALS COM 75886F107   582,306 663 SH   SOLE   0 0 663
ROPER TECHNOLOGIES INC COM 776696106   1,717,841 3,151 SH   SOLE   0 0 3,151
SOUTHWEST AIRLS CO COM 844741108   425,225 14,724 SH   SOLE   0 0 14,724
SPDR SER TR S&P DIVID ETF 78464A763   242,817 1,943 SH   SOLE   0 0 1,943
STANLEY BLACK & DECKER INC COM 854502101   1,015,376 10,350 SH   SOLE   0 0 10,350
STRYKER CORPORATION COM 863667101   734,526 2,453 SH   SOLE   0 0 2,453
TARGET CORP COM 87612E106   1,079,428 7,579 SH   SOLE   0 0 7,579
TESLA INC COM 88160R101   263,389 1,060 SH   SOLE   0 0 1,060
THERMO FISHER SCIENTIFIC INC COM 883556102   1,501,097 2,828 SH   SOLE   0 0 2,828
TRAVELERS COMPANIES INC COM 89417E109   393,425 2,065 SH   SOLE   0 0 2,065
TYSON FOODS INC CL A 902494103   219,061 4,076 SH   SOLE   0 0 4,076
UNION PAC CORP COM 907818108   607,119 2,472 SH   SOLE   0 0 2,472
UNITEDHEALTH GROUP INC COM 91324P102   913,835 1,736 SH   SOLE   0 0 1,736
UNIVERSAL DISPLAY CORP COM 91347P105   403,124 2,108 SH   SOLE   0 0 2,108
VALERO ENERGY CORP COM 91913Y100   285,912 2,199 SH   SOLE   0 0 2,199
VANGUARD INDEX FDS TOTAL STK MKT 922908769   281,763 1,188 SH   SOLE   0 0 1,188
VERIZON COMMUNICATIONS INC COM 92343V104   2,149,572 57,018 SH   SOLE   0 0 57,018
VISA INC COM CL A 92826C839   349,255 1,341 SH   SOLE   0 0 1,341
WABTEC COM 929740108   311,032 2,451 SH   SOLE   0 0 2,451
WALGREENS BOOTS ALLIANCE INC COM 931427108   296,402 11,352 SH   SOLE   0 0 11,352
WALMART INC COM 931142103   514,462 3,263 SH   SOLE   0 0 3,263
WEST PHARMACEUTICAL SVSC INC COM 955306105   279,935 795 SH   SOLE   0 0 795
WISDOMTREE TR EMER MKT HIGH FD 97717W315   273,577 6,725 SH   SOLE   0 0 6,725