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
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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
APPLE INC COM 037833100   1,619 8,345 SH   SOLE   0 0 8,345
AMPHENOL CORP NEW CL A 032095101   1,152 13,561 SH   SOLE   0 0 13,561
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   11,051 226,079 SH   SOLE   0 0 226,079
CARRIER GLOBAL CORPORATION COM 14448C104   665 13,381 SH   SOLE   0 0 13,381
COMMUNITY BK SYS INC COM 203607106   2,103 44,863 SH   SOLE   0 0 44,863
ISHARES TR MSCI EAFE ETF 464287465   643 8,868 SH   SOLE   0 0 8,868
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   6,150 229,750 SH   SOLE   0 0 229,750
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   8,920 276,236 SH   SOLE   0 0 276,236
HOME DEPOT INC COM 437076102   406 1,308 SH   SOLE   0 0 1,308
ISHARES TR IBONDS DEC23 ETF 46434VAX8   2,502 98,940 SH   SOLE   0 0 98,940
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,537 103,031 SH   SOLE   0 0 103,031
ISHARES TR IBONDS DEC25 ETF 46434VBD1   300 12,323 SH   SOLE   0 0 12,323
ISHARES TR IBONDS DEC2023 46435G318   2,549 99,985 SH   SOLE   0 0 99,985
ISHARES TR IBONDS DEC 46435U697   467 18,117 SH   SOLE   0 0 18,117
ISHARES TR CORE S&P500 ETF 464287200   35,271 79,134 SH   SOLE   0 0 79,134
ISHARES TR CORE MSCI TOTAL 46432F834   315 5,038 SH   SOLE   0 0 5,038
JPMORGAN CHASE & CO COM 46625H100   261 1,792 SH   SOLE   0 0 1,792
VANGUARD WORLD FD MEGA CAP INDEX 921910873   5,234 33,451 SH   SOLE   0 0 33,451
MERCK & CO INC COM 58933Y105   370 3,208 SH   SOLE   0 0 3,208
MICROSOFT CORP COM 594918104   892 2,618 SH   SOLE   0 0 2,618
ISHARES TR NATIONAL MUN ETF 464288414   8,622 80,782 SH   SOLE   0 0 80,782
NEXTERA ENERGY INC COM 65339F101   256 3,448 SH   SOLE   0 0 3,448
NVIDIA CORPORATION COM 67066G104   210 496 SH   SOLE   0 0 496
OTIS WORLDWIDE CORP COM 68902V107   595 6,690 SH   SOLE   0 0 6,690
PATTERSON COS INC COM 703395103   297 8,924 SH   SOLE   0 0 8,924
POLESTAR AUTOMOTIVE HLDG UK ADS A 731105201   46 12,000 SH   SOLE   0 0 12,000
ISHARES TR GLOBAL REIT ETF 46434V647   5,093 221,743 SH   SOLE   0 0 221,743
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,992 19,997 SH   SOLE   0 0 19,997
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,464 14,947 SH   SOLE   0 0 14,947
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   13,141 300,014 SH   SOLE   0 0 300,014
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   417 8,061 SH   SOLE   0 0 8,061
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   242 3,329 SH   SOLE   0 0 3,329
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,218 130,650 SH   SOLE   0 0 130,650
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,818 163,210 SH   SOLE   0 0 163,210
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   236 3,145 SH   SOLE   0 0 3,145
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,386 50,471 SH   SOLE   0 0 50,471
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   15,401 333,643 SH   SOLE   0 0 333,643
SHERWIN WILLIAMS CO COM 824348106   239 900 SH   SOLE   0 0 900
SOUTHERN CO COM 842587107   248 3,536 SH   SOLE   0 0 3,536
SPDR S&P 500 ETF TR TR UNIT 78462F103   405 914 SH   SOLE   0 0 914
INVESTMENT MANAGERS SER TR I AXS 2X INVTN NEW 46144X487   258 3,500 SH   SOLE   0 0 3,500
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   529 13,041 SH   SOLE   0 0 13,041
ISHARES INC MSCI WORLD ETF 464286392   647 5,196 SH   SOLE   0 0 5,196
VISA INC COM CL A 92826C839   292 1,230 SH   SOLE   0 0 1,230
VANGUARD INDEX FDS SMALL CP ETF 922908751   761 3,824 SH   SOLE   0 0 3,824
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,456 313,038 SH   SOLE   0 0 313,038
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,882 22,517 SH   SOLE   0 0 22,517
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   571 1,401 SH   SOLE   0 0 1,401
VANGUARD INDEX FDS VALUE ETF 922908744   15,387 108,281 SH   SOLE   0 0 108,281
VANGUARD INDEX FDS GROWTH ETF 922908736   16,246 57,414 SH   SOLE   0 0 57,414
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,651 261,831 SH   SOLE   0 0 261,831
EXXON MOBIL CORP COM 30231G102   322 3,002 SH   SOLE   0 0 3,002