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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
GENERAL ELECTRIC CO COM 369604103 99 14,466 SH   SOLE 0 0 0 14,466
BECTON DICKINSON & CO COM 075887109 203 850 SH   SOLE 0 0 0 850
MILESTONE SCIENTIFIC INC COM NEW 59935P209 55 28,409 SH   SOLE 0 0 0 28,409
ISHARES TR NATIONAL MUN ETF 464288414 3,050 26,427 SH   SOLE 0 0 0 26,427
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,979 29,118 SH   SOLE 0 0 0 29,118
APPLE INC COM 037833100 60,881 166,889 SH   SOLE 0 0 0 166,889
INTEL CORP COM 458140100 19,429 324,730 SH   SOLE 0 0 0 324,730
ISHARES TR NEW YORK MUN ETF 464288323 4,786 83,191 SH   SOLE 0 0 0 83,191
APPLE INC COM 037833100 9 500 SH Call SOLE 0 0 0 500
INCYTE CORP COM 45337C102 17,136 164,812 SH   SOLE 0 0 0 164,812
ISHARES TR BARCLAYS 7 10 YR 464287440 252 2,064 SH   SOLE 0 0 0 2,064
VANGUARD INDEX FDS MID CAP ETF 922908629 284 1,735 SH   SOLE 0 0 0 1,735
BLACKSTONE GROUP INC COM CL A 09260D107 259 4,574 SH   SOLE 0 0 0 4,574
INVESCO QQQ TR UNIT SER 1 46090E103 619 2,500 SH   SOLE 0 0 0 2,500
NVIDIA CORPORATION COM 67066G104 13,232 34,828 SH   SOLE 0 0 0 34,828
STARBUCKS CORP COM 855244109 16,153 219,497 SH   SOLE 0 0 0 219,497
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,637 143,555 SH   SOLE 0 0 0 143,555
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,058 17,166 SH   SOLE 0 0 0 17,166
STARRETT L S CO CL A 855668109 271 79,800 SH   SOLE 0 0 0 79,800
CATERPILLAR INC DEL COM 149123101 18,771 148,390 SH   SOLE 0 0 0 148,390
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,455 36,729 SH   SOLE 0 0 0 36,729
UNITED PARCEL SERVICE INC CL B 911312106 16,983 152,751 SH   SOLE 0 0 0 152,751
DISNEY WALT CO COM DISNEY 254687106 22,876 205,144 SH   SOLE 0 0 0 205,144
ISHARES TR SH TR CRPORT ETF 464288646 23,543 430,326 SH   SOLE 0 0 0 430,326
BK OF AMERICA CORP COM 060505104 23,204 977,010 SH   SOLE 0 0 0 977,010
PALO ALTO NETWORKS INC COM 697435105 230 1,002 SH   SOLE 0 0 0 1,002
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,937 75,556 SH   SOLE 0 0 0 75,556
CISCO SYS INC COM 17275R102 21,755 466,437 SH   SOLE 0 0 0 466,437
ABBVIE INC COM 00287Y109 268 2,732 SH   SOLE 0 0 0 2,732
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 322 4,099 SH   SOLE 0 0 0 4,099
VISA INC COM CL A 92826C839 280 1,451 SH   SOLE 0 0 0 1,451
FACEBOOK INC CL A 30303M102 23,478 103,397 SH   SOLE 0 0 0 103,397
INTERNATIONAL BUSINESS MACHS COM 459200101 415 3,438 SH   SOLE 0 0 0 3,438
SERVICENOW INC COM 81762P102 20,447 50,479 SH   SOLE 0 0 0 50,479
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 327 14,445 SH   SOLE 0 0 0 14,445
APTARGROUP INC COM 038336103 705 6,300 SH   SOLE 0 0 0 6,300
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,129 59,471 SH   SOLE 0 0 0 59,471
MASTERCARD INCORPORATED CL A 57636Q104 25,498 86,228 SH   SOLE 0 0 0 86,228
LOWES COS INC COM 548661107 423 3,128 SH   SOLE 0 0 0 3,128
PAYCHEX INC COM 704326107 969 12,788 SH   SOLE 0 0 0 12,788
ENTERPRISE PRODS PARTNERS L COM 293792107 414 22,793 SH   SOLE 0 0 0 22,793
CHEVRON CORP NEW COM 166764100 16,385 183,632 SH   SOLE 0 0 0 183,632
DISCOVERY INC COM SER A 25470F104 20,996 995,091 SH   SOLE 0 0 0 995,091
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 28,774 529,218 SH   SOLE 0 0 0 529,218
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,784 17,826 SH   SOLE 0 0 0 17,826
AMGEN INC COM 031162100 582 2,467 SH   SOLE 0 0 0 2,467
COCA COLA CO COM 191216100 343 7,683 SH   SOLE 0 0 0 7,683
VERIZON COMMUNICATIONS INC COM 92343V104 25,095 455,204 SH   SOLE 0 0 0 455,204
ISHARES TR CORE S&P MCP ETF 464287507 853 4,798 SH   SOLE 0 0 0 4,798
GENERAL DYNAMICS CORP COM 369550108 15,693 104,999 SH   SOLE 0 0 0 104,999
JOHNSON & JOHNSON COM 478160104 30,834 219,258 SH   SOLE 0 0 0 219,258
GABELLI EQUITY TR INC COM 362397101 50 10,000 SH   SOLE 0 0 0 10,000
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 1,835 47,299 SH   SOLE 0 0 0 47,299
ISHARES TR SHRT NAT MUN ETF 464288158 2,715 25,170 SH   SOLE 0 0 0 25,170
NEXTERA ENERGY INC COM 65339F101 24,563 102,273 SH   SOLE 0 0 0 102,273
NBT BANCORP INC COM 628778102 436 14,177 SH   SOLE 0 0 0 14,177
PROCTER AND GAMBLE CO COM 742718109 24,667 206,298 SH   SOLE 0 0 0 206,298
PNC FINL SVCS GROUP INC COM 693475105 25,704 244,313 SH   SOLE 0 0 0 244,313
ORGANIGRAM HLDGS INC COM 68620P101 20 12,505 SH   SOLE 0 0 0 12,505
ALPHABET INC CAP STK CL C 02079K107 41,123 29,091 SH   SOLE 0 0 0 29,091
ISHARES TR CORE S&P500 ETF 464287200 824 2,661 SH   SOLE 0 0 0 2,661
ISHARES TR SELECT DIVID ETF 464287168 351 4,344 SH   SOLE 0 0 0 4,344
AMERICOLD RLTY TR COM 03064D108 17,705 487,740 SH   SOLE 0 0 0 487,740
ISHARES TR MSCI ACWI EX US 464288240 1,071 24,765 SH   SOLE 0 0 0 24,765
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 15,745 267,858 SH   SOLE 0 0 0 267,858
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 202 3,404 SH   SOLE 0 0 0 3,404
COMCAST CORP NEW CL A 20030N101 320 8,207 SH   SOLE 0 0 0 8,207
ISHARES TR 3 7 YR TREAS BD 464288661 237 1,775 SH   SOLE 0 0 0 1,775
TJX COS INC NEW COM 872540109 16,394 324,246 SH   SOLE 0 0 0 324,246
ECOLAB INC COM 278865100 244 1,224 SH   SOLE 0 0 0 1,224
MCDONALDS CORP COM 580135101 22,203 120,363 SH   SOLE 0 0 0 120,363
ALPHABET INC CAP STK CL A 02079K305 248 175 SH   SOLE 0 0 0 175
ENBRIDGE INC COM 29250N105 14,815 487,002 SH   SOLE 0 0 0 487,002
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,699 110,841 SH   SOLE 0 0 0 110,841
PEPSICO INC COM 713448108 22,982 173,763 SH   SOLE 0 0 0 173,763
AMAZON COM INC COM 023135106 49,971 18,113 SH   SOLE 0 0 0 18,113
SOUTHWEST AIRLS CO COM 844741108 17,947 525,080 SH   SOLE 0 0 0 525,080
ISHARES TR CORE S&P SCP ETF 464287804 3,102 45,429 SH   SOLE 0 0 0 45,429
PROSHARES TR PSHS ULTSH 20YRS 74347B201 159 10,000 SH   SOLE 0 0 0 10,000
VANECK VECTORS ETF TR SHORT HIGH YIELD 92189F387 813 34,124 SH   SOLE 0 0 0 34,124
CONSTELLATION BRANDS INC CL A 21036P108 24,851 142,044 SH   SOLE 0 0 0 142,044
MONDELEZ INTL INC CL A 609207105 201 3,937 SH   SOLE 0 0 0 3,937
ISHARES TR RUS 1000 VAL ETF 464287598 295 2,619 SH   SOLE 0 0 0 2,619
ZIMMER BIOMET HOLDINGS INC COM 98956P102 259 2,172 SH   SOLE 0 0 0 2,172
MICROCHIP TECHNOLOGY INC. COM 595017104 215 2,040 SH   SOLE 0 0 0 2,040
VANGUARD INDEX FDS SMALL CP ETF 922908751 23,028 158,026 SH   SOLE 0 0 0 158,026
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 311 6,000 SH   SOLE 0 0 0 6,000
ALTRIA GROUP INC COM 02209S103 14,721 375,055 SH   SOLE 0 0 0 375,055
HUMANA INC COM 444859102 25,702 66,284 SH   SOLE 0 0 0 66,284
UNITEDHEALTH GROUP INC COM 91324P102 495 1,677 SH   SOLE 0 0 0 1,677
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 417 1,471 SH   SOLE 0 0 0 1,471
WASTE MGMT INC DEL COM 94106L109 201 1,900 SH   SOLE 0 0 0 1,900
GENERAL MLS INC COM 370334104 239 3,878 SH   SOLE 0 0 0 3,878
GOLDMAN SACHS GROUP INC COM 38141G104 21,819 110,411 SH   SOLE 0 0 0 110,411
ISHARES TR CORE HIGH DV ETF 46429B663 210 2,586 SH   SOLE 0 0 0 2,586
BIOGEN INC COM 09062X103 15,445 57,728 SH   SOLE 0 0 0 57,728
GABELLI UTIL TR COM 36240A101 90 12,500 SH   SOLE 0 0 0 12,500
VANGUARD INDEX FDS LARGE CAP ETF 922908637 300 2,100 SH   SOLE 0 0 0 2,100
UNION PAC CORP COM 907818108 440 2,601 SH   SOLE 0 0 0 2,601
JPMORGAN CHASE & CO COM 46625H100 27,249 289,700 SH   SOLE 0 0 0 289,700
EXXON MOBIL CORP COM 30231G102 15,611 349,085 SH   SOLE 0 0 0 349,085
ISHARES TR IBOXX INV CP ETF 464287242 437 3,250 SH   SOLE 0 0 0 3,250
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,780 160,671 SH   SOLE 0 0 0 160,671
CHUBB LIMITED COM H1467J104 16,863 133,177 SH   SOLE 0 0 0 133,177
ISHARES TR IBOXX HI YD ETF 464288513 576 7,059 SH   SOLE 0 0 0 7,059
ISHARES TR INTRM TR CRP ETF 464288638 5,987 99,163 SH   SOLE 0 0 0 99,163
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 143 10,865 SH   SOLE 0 0 0 10,865
MICROSOFT CORP COM 594918104 54,749 269,023 SH   SOLE 0 0 0 269,023
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,321 199,901 SH   SOLE 0 0 0 199,901
ABBOTT LABS COM 002824100 23,381 255,726 SH   SOLE 0 0 0 255,726
AT&T INC COM 00206R102 205 6,769 SH   SOLE 0 0 0 6,769
REGENERON PHARMACEUTICALS COM 75886F107 18,422 29,539 SH   SOLE 0 0 0 29,539
MERCK & CO. INC COM 58933Y105 437 5,651 SH   SOLE 0 0 0 5,651
BOEING CO COM 097023105 34,558 188,532 SH   SOLE 0 0 0 188,532
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 887 9,720 SH   SOLE 0 0 0 9,720
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 39,218 219,699 SH   SOLE 0 0 0 219,699
HOME DEPOT INC COM 437076102 20,167 80,505 SH   SOLE 0 0 0 80,505
CITIGROUP INC COM NEW 172967424 256 5,011 SH   SOLE 0 0 0 5,011
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 458 24,859 SH   SOLE 0 0 0 24,859
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 216 1,828 SH   SOLE 0 0 0 1,828
SCHWAB STRATEGIC TR US TIPS ETF 808524870 19,245 320,644 SH   SOLE 0 0 0 320,644
LOCKHEED MARTIN CORP COM 539830109 358 981 SH   SOLE 0 0 0 981
WEC ENERGY GROUP INC COM 92939U106 279 3,180 SH   SOLE 0 0 0 3,180
ISHARES TR RUS 1000 GRW ETF 464287614 399 2,080 SH   SOLE 0 0 0 2,080
UNIVERSAL DISPLAY CORP COM 91347P105 10,977 73,368 SH   SOLE 0 0 0 73,368
SPDR GOLD TR GOLD SHS 78463V107 279 1,668 SH   SOLE 0 0 0 1,668
CHECK POINT SOFTWARE TECH LT ORD M22465104 19,573 182,196 SH   SOLE 0 0 0 182,196
TOMPKINS FINANCIAL CORPORATI COM 890110109 1,149 17,732 SH   SOLE 0 0 0 17,732
PAYPAL HLDGS INC COM 70450Y103 201 1,154 SH   SOLE 0 0 0 1,154