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 143 13,226 SH   SOLE 0 0 0 13,226
BECTON DICKINSON & CO COM 075887109 206 825 SH   SOLE 0 0 0 825
ISHARES TR NATIONAL MUN ETF 464288414 15,095 128,793 SH   SOLE 0 0 0 128,793
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,869 26,395 SH   SOLE 0 0 0 26,395
APPLE INC COM 037833100 81,981 617,837 SH   SOLE 0 0 0 617,837
INTEL CORP COM 458140100 17,034 341,918 SH   SOLE 0 0 0 341,918
ISHARES TR NEW YORK MUN ETF 464288323 703 12,064 SH   SOLE 0 0 0 12,064
INCYTE CORP COM 45337C102 16,785 192,975 SH   SOLE 0 0 0 192,975
VANGUARD WELLINGTON FD US QUALITY 921935706 638 6,400 SH   SOLE 0 0 0 6,400
VANGUARD INDEX FDS MID CAP ETF 922908629 392 1,895 SH   SOLE 0 0 0 1,895
BLACKSTONE GROUP INC COM CL A 09260D107 328 5,056 SH   SOLE 0 0 0 5,056
TRANSCAT INC COM 893529107 238 6,870 SH   SOLE 0 0 0 6,870
NVIDIA CORPORATION COM 67066G104 15,532 29,743 SH   SOLE 0 0 0 29,743
INVESCO QQQ TR UNIT SER 1 46090E103 761 2,425 SH   SOLE 0 0 0 2,425
ISHARES TR S&P 500 GRWT ETF 464287309 204 3,200 SH   SOLE 0 0 0 3,200
STARBUCKS CORP COM 855244109 22,384 209,233 SH   SOLE 0 0 0 209,233
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,360 190,873 SH   SOLE 0 0 0 190,873
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,220 17,060 SH   SOLE 0 0 0 17,060
STARRETT L S CO CL A 855668109 316 74,800 SH   SOLE 0 0 0 74,800
BOOKING HOLDINGS INC COM 09857L108 21,101 9,474 SH   SOLE 0 0 0 9,474
ISHARES TR ISHS 1-5YR INVS 464288646 26,004 471,350 SH   SOLE 0 0 0 471,350
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,592 31,770 SH   SOLE 0 0 0 31,770
UNITED PARCEL SERVICE INC CL B 911312106 21,491 127,618 SH   SOLE 0 0 0 127,618
DISNEY WALT CO COM 254687106 28,939 159,724 SH   SOLE 0 0 0 159,724
BK OF AMERICA CORP COM 060505104 30,959 1,021,427 SH   SOLE 0 0 0 1,021,427
MANNING & NAPIER INC CL A 56382Q102 854 136,203 SH   SOLE 0 0 0 136,203
PALO ALTO NETWORKS INC COM 697435105 388 1,092 SH   SOLE 0 0 0 1,092
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,375 49,157 SH   SOLE 0 0 0 49,157
CISCO SYS INC COM 17275R102 397 8,874 SH   SOLE 0 0 0 8,874
ABBVIE INC COM 00287Y109 315 2,938 SH   SOLE 0 0 0 2,938
VISA INC COM CL A 92826C839 467 2,135 SH   SOLE 0 0 0 2,135
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 415 4,882 SH   SOLE 0 0 0 4,882
FACEBOOK INC CL A 30303M102 23,643 86,555 SH   SOLE 0 0 0 86,555
INTERNATIONAL BUSINESS MACHS COM 459200101 420 3,339 SH   SOLE 0 0 0 3,339
SERVICENOW INC COM 81762P102 20,033 36,395 SH   SOLE 0 0 0 36,395
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 399 14,445 SH   SOLE 0 0 0 14,445
ISHARES TR RUSSELL 2000 ETF 464287655 534 2,722 SH   SOLE 0 0 0 2,722
APTARGROUP INC COM 038336103 862 6,300 SH   SOLE 0 0 0 6,300
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,085 59,911 SH   SOLE 0 0 0 59,911
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 212 1,000 SH   SOLE 0 0 0 1,000
MASTERCARD INCORPORATED CL A 57636Q104 30,110 84,356 SH   SOLE 0 0 0 84,356
LOWES COS INC COM 548661107 549 3,423 SH   SOLE 0 0 0 3,423
PAYCHEX INC COM 704326107 1,226 13,153 SH   SOLE 0 0 0 13,153
ISHARES TR MSCI USA QLT FCT 46432F339 408 3,514 SH   SOLE 0 0 0 3,514
ENTERPRISE PRODS PARTNERS L COM 293792107 344 17,545 SH   SOLE 0 0 0 17,545
PHILIP MORRIS INTL INC COM 718172109 553 6,684 SH   SOLE 0 0 0 6,684
CHEVRON CORP NEW COM 166764100 15,280 180,936 SH   SOLE 0 0 0 180,936
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 31,304 578,959 SH   SOLE 0 0 0 578,959
DISCOVERY INC COM SER A 25470F104 30,884 1,026,401 SH   SOLE 0 0 0 1,026,401
VANECK VECTORS ETF TR INTRMDT MUNI ETF 92189H201 218 4,182 SH   SOLE 0 0 0 4,182
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,087 16,876 SH   SOLE 0 0 0 16,876
AMGEN INC COM 031162100 586 2,548 SH   SOLE 0 0 0 2,548
COCA COLA CO COM 191216100 414 7,544 SH   SOLE 0 0 0 7,544
VERIZON COMMUNICATIONS INC COM 92343V104 28,621 487,168 SH   SOLE 0 0 0 487,168
ISHARES TR RUS MID CAP ETF 464287499 376 5,481 SH   SOLE 0 0 0 5,481
ISHARES TR CORE S&P MCP ETF 464287507 1,040 4,523 SH   SOLE 0 0 0 4,523
ADOBE SYSTEMS INCORPORATED COM 00724F101 263 525 SH   SOLE 0 0 0 525
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 204 8,219 SH   SOLE 0 0 0 8,219
GENERAL DYNAMICS CORP COM 369550108 16,489 110,796 SH   SOLE 0 0 0 110,796
FLIR SYS INC COM 302445101 208 4,740 SH   SOLE 0 0 0 4,740
JOHNSON & JOHNSON COM 478160104 37,085 235,642 SH   SOLE 0 0 0 235,642
GABELLI EQUITY TR INC COM 362397101 63 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR SHRT NAT MUN ETF 464288158 19,305 178,570 SH   SOLE 0 0 0 178,570
NEXTERA ENERGY INC COM 65339F101 29,706 385,037 SH   SOLE 0 0 0 385,037
TOMPKINS FINL CORP COM 890110109 1,252 17,732 SH   SOLE 0 0 0 17,732
NBT BANCORP INC COM 628778102 455 14,177 SH   SOLE 0 0 0 14,177
PROCTER AND GAMBLE CO COM 742718109 28,437 204,375 SH   SOLE 0 0 0 204,375
CORNING INC COM 219350105 242 6,720 SH   SOLE 0 0 0 6,720
PNC FINL SVCS GROUP INC COM 693475105 35,361 237,324 SH   SOLE 0 0 0 237,324
ISHARES TR CORE US AGGBD ET 464287226 207 1,748 SH   SOLE 0 0 0 1,748
ALPHABET INC CAP STK CL C 02079K107 46,067 26,296 SH   SOLE 0 0 0 26,296
ISHARES TR CORE S&P500 ETF 464287200 860 2,291 SH   SOLE 0 0 0 2,291
ISHARES TR SELECT DIVID ETF 464287168 322 3,344 SH   SOLE 0 0 0 3,344
AMERICOLD RLTY TR COM 03064D108 18,438 493,915 SH   SOLE 0 0 0 493,915
QUALCOMM INC COM 747525103 12,909 84,736 SH   SOLE 0 0 0 84,736
CATERPILLAR INC COM 149123101 14,861 81,645 SH   SOLE 0 0 0 81,645
ISHARES TR MSCI ACWI EX US 464288240 1,291 24,339 SH   SOLE 0 0 0 24,339
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 17,804 305,814 SH   SOLE 0 0 0 305,814
COMCAST CORP NEW CL A 20030N101 414 7,897 SH   SOLE 0 0 0 7,897
TJX COS INC NEW COM 872540109 22,529 329,900 SH   SOLE 0 0 0 329,900
TESLA INC COM 88160R101 265 375 SH   SOLE 0 0 0 375
ECOLAB INC COM 278865100 318 1,469 SH   SOLE 0 0 0 1,469
MCDONALDS CORP COM 580135101 22,610 105,367 SH   SOLE 0 0 0 105,367
ALPHABET INC CAP STK CL A 02079K305 436 249 SH   SOLE 0 0 0 249
ENBRIDGE INC COM 29250N105 16,824 525,903 SH   SOLE 0 0 0 525,903
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,145 70,000 SH   SOLE 0 0 0 70,000
PEPSICO INC COM 713448108 26,180 176,532 SH   SOLE 0 0 0 176,532
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,029 42,985 SH   SOLE 0 0 0 42,985
AMAZON COM INC COM 023135106 53,371 16,387 SH   SOLE 0 0 0 16,387
SOUTHWEST AIRLS CO COM 844741108 24,109 517,252 SH   SOLE 0 0 0 517,252
ISHARES TR CORE S&P SCP ETF 464287804 3,828 41,649 SH   SOLE 0 0 0 41,649
CONSTELLATION BRANDS INC CL A 21036P108 30,193 137,838 SH   SOLE 0 0 0 137,838
MONDELEZ INTL INC CL A 609207105 494 8,441 SH   SOLE 0 0 0 8,441
ISHARES TR RUS 1000 VAL ETF 464287598 358 2,619 SH   SOLE 0 0 0 2,619
ZIMMER BIOMET HOLDINGS INC COM 98956P102 327 2,121 SH   SOLE 0 0 0 2,121
VANGUARD INDEX FDS SMALL CP ETF 922908751 28,199 144,848 SH   SOLE 0 0 0 144,848
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 513 8,000 SH   SOLE 0 0 0 8,000
ALTRIA GROUP INC COM 02209S103 341 8,320 SH   SOLE 0 0 0 8,320
HUMANA INC COM 444859102 19,110 46,579 SH   SOLE 0 0 0 46,579
UNITEDHEALTH GROUP INC COM 91324P102 622 1,774 SH   SOLE 0 0 0 1,774
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,865 5,426 SH   SOLE 0 0 0 5,426
WASTE MGMT INC DEL COM 94106L109 240 2,036 SH   SOLE 0 0 0 2,036
GENERAL MLS INC COM 370334104 221 3,766 SH   SOLE 0 0 0 3,766
GOLDMAN SACHS GROUP INC COM 38141G104 26,278 99,649 SH   SOLE 0 0 0 99,649
BIOGEN INC COM 09062X103 16,373 66,867 SH   SOLE 0 0 0 66,867
ISHARES TR CORE HIGH DV ETF 46429B663 227 2,586 SH   SOLE 0 0 0 2,586
GABELLI UTIL TR COM 36240A101 102 12,500 SH   SOLE 0 0 0 12,500
THERMO FISHER SCIENTIFIC INC COM 883556102 214 460 SH   SOLE 0 0 0 460
VANGUARD INDEX FDS LARGE CAP ETF 922908637 369 2,100 SH   SOLE 0 0 0 2,100
UNION PAC CORP COM 907818108 532 2,553 SH   SOLE 0 0 0 2,553
ISHARES INC MSCI EMERG MKT 46434G889 255 5,200 SH   SOLE 0 0 0 5,200
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 414 5,300 SH   SOLE 0 0 0 5,300
JPMORGAN CHASE & CO COM 46625H100 39,002 306,933 SH   SOLE 0 0 0 306,933
EXXON MOBIL CORP COM 30231G102 13,128 318,477 SH   SOLE 0 0 0 318,477
ISHARES TR ISHS 5-10YR INVT 464288638 6,566 106,259 SH   SOLE 0 0 0 106,259
ISHARES TR IBOXX INV CP ETF 464287242 465 3,364 SH   SOLE 0 0 0 3,364
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,873 107,563 SH   SOLE 0 0 0 107,563
CHUBB LIMITED COM H1467J104 20,130 130,780 SH   SOLE 0 0 0 130,780
ISHARES TR IBOXX HI YD ETF 464288513 618 7,082 SH   SOLE 0 0 0 7,082
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 192 13,850 SH   SOLE 0 0 0 13,850
MICROSOFT CORP COM 594918104 59,606 267,988 SH   SOLE 0 0 0 267,988
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 11,721 228,084 SH   SOLE 0 0 0 228,084
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 10,429 188,957 SH   SOLE 0 0 0 188,957
ABBOTT LABS COM 002824100 27,055 247,104 SH   SOLE 0 0 0 247,104
NEXTERA ENERGY INC UNIT 99/99/9999 65339F739 17,779 346,089 SH   SOLE 0 0 0 346,089
MERCK & CO. INC COM 58933Y105 525 6,423 SH   SOLE 0 0 0 6,423
BOEING CO COM 097023105 39,967 186,707 SH   SOLE 0 0 0 186,707
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 810 8,247 SH   SOLE 0 0 0 8,247
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 47,873 206,463 SH   SOLE 0 0 0 206,463
HOME DEPOT INC COM 437076102 18,451 69,463 SH   SOLE 0 0 0 69,463
CITIGROUP INC COM NEW 172967424 305 4,945 SH   SOLE 0 0 0 4,945
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 376 18,634 SH   SOLE 0 0 0 18,634
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 301 1,828 SH   SOLE 0 0 0 1,828
SCHWAB STRATEGIC TR US TIPS ETF 808524870 21,308 343,232 SH   SOLE 0 0 0 343,232
LOCKHEED MARTIN CORP COM 539830109 479 1,349 SH   SOLE 0 0 0 1,349
ISHARES TR RUS 1000 GRW ETF 464287614 498 2,065 SH   SOLE 0 0 0 2,065
WEC ENERGY GROUP INC COM 92939U106 303 3,292 SH   SOLE 0 0 0 3,292
UNIVERSAL DISPLAY CORP COM 91347P105 15,717 68,394 SH   SOLE 0 0 0 68,394
SPDR GOLD TR GOLD SHS 78463V107 38,118 213,714 SH   SOLE 0 0 0 213,714
CHECK POINT SOFTWARE TECH LT ORD M22465104 25,023 188,273 SH   SOLE 0 0 0 188,273
SPDR SER TR NUVEEN BLMBRG SR 78468R739 18,234 366,209 SH   SOLE 0 0 0 366,209
PAYPAL HLDGS INC COM 70450Y103 290 1,239 SH   SOLE 0 0 0 1,239