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 152 11,551 SH   SOLE 0 0 0 11,551
BECTON DICKINSON & CO COM 075887109 201 825 SH   SOLE 0 0 0 825
ISHARES TR NATIONAL MUN ETF 464288414 18,240 157,177 SH   SOLE 0 0 0 157,177
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,947 25,098 SH   SOLE 0 0 0 25,098
APPLE INC COM 037833100 76,641 627,431 SH   SOLE 0 0 0 627,431
INTEL CORP COM 458140100 584 9,128 SH   SOLE 0 0 0 9,128
ISHARES TR NEW YORK MUN ETF 464288323 603 10,452 SH   SOLE 0 0 0 10,452
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 577 17,987 SH   SOLE 0 0 0 17,987
INCYTE CORP COM 45337C102 18,696 230,047 SH   SOLE 0 0 0 230,047
VANGUARD WELLINGTON FD US QUALITY 921935706 718 6,400 SH   SOLE 0 0 0 6,400
VANGUARD INDEX FDS MID CAP ETF 922908629 408 1,843 SH   SOLE 0 0 0 1,843
TRANSCAT INC COM 893529107 288 5,870 SH   SOLE 0 0 0 5,870
TESLA INC COM 88160R101 1 500 SH Put SOLE 0 0 0 500
INVESCO QQQ TR UNIT SER 1 46090E103 710 2,225 SH   SOLE 0 0 0 2,225
NVIDIA CORPORATION COM 67066G104 16,225 30,388 SH   SOLE 0 0 0 30,388
ISHARES TR S&P 500 GRWT ETF 464287309 208 3,200 SH   SOLE 0 0 0 3,200
STARBUCKS CORP COM 855244109 22,679 207,547 SH   SOLE 0 0 0 207,547
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,796 195,731 SH   SOLE 0 0 0 195,731
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,300 16,825 SH   SOLE 0 0 0 16,825
BLACKSTONE GROUP INC COM 09260D107 333 4,474 SH   SOLE 0 0 0 4,474
STARRETT L S CO CL A 855668109 482 74,800 SH   SOLE 0 0 0 74,800
BOOKING HOLDINGS INC COM 09857L108 31,926 13,703 SH   SOLE 0 0 0 13,703
ISHARES TR ISHS 1-5YR INVS 464288646 27,589 504,552 SH   SOLE 0 0 0 504,552
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,610 30,925 SH   SOLE 0 0 0 30,925
UNITED PARCEL SERVICE INC CL B 911312106 21,883 128,733 SH   SOLE 0 0 0 128,733
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,443 22,109 SH   SOLE 0 0 0 22,109
DISNEY WALT CO COM 254687106 29,566 160,234 SH   SOLE 0 0 0 160,234
BK OF AMERICA CORP COM 060505104 30,788 795,772 SH   SOLE 0 0 0 795,772
PALO ALTO NETWORKS INC COM 697435105 352 1,092 SH   SOLE 0 0 0 1,092
MANNING & NAPIER INC CL A 56382Q102 5,776 892,726 SH   SOLE 0 0 0 892,726
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,201 42,151 SH   SOLE 0 0 0 42,151
CISCO SYS INC COM 17275R102 499 9,644 SH   SOLE 0 0 0 9,644
ABBVIE INC COM 00287Y109 364 3,362 SH   SOLE 0 0 0 3,362
EXACT SCIENCES CORP COM 30063P105 6,291 47,741 SH   SOLE 0 0 0 47,741
VISA INC COM CL A 92826C839 459 2,166 SH   SOLE 0 0 0 2,166
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 390 4,247 SH   SOLE 0 0 0 4,247
FACEBOOK INC CL A 30303M102 25,891 87,905 SH   SOLE 0 0 0 87,905
INTERNATIONAL BUSINESS MACHS COM 459200101 449 3,366 SH   SOLE 0 0 0 3,366
SERVICENOW INC COM 81762P102 18,952 37,895 SH   SOLE 0 0 0 37,895
CANOPY GROWTH CORP COM 138035100 263 8,206 SH   SOLE 0 0 0 8,206
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 418 14,445 SH   SOLE 0 0 0 14,445
ISHARES TR RUSSELL 2000 ETF 464287655 568 2,573 SH   SOLE 0 0 0 2,573
APTARGROUP INC COM 038336103 822 5,800 SH   SOLE 0 0 0 5,800
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,657 49,135 SH   SOLE 0 0 0 49,135
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 215 1,000 SH   SOLE 0 0 0 1,000
MASTERCARD INCORPORATED CL A 57636Q104 30,151 84,681 SH   SOLE 0 0 0 84,681
LOWES COS INC COM 548661107 614 3,229 SH   SOLE 0 0 0 3,229
PAYCHEX INC COM 704326107 1,267 12,923 SH   SOLE 0 0 0 12,923
ISHARES TR MSCI USA QLT FCT 46432F339 425 3,494 SH   SOLE 0 0 0 3,494
ENTERPRISE PRODS PARTNERS L COM 293792107 386 17,545 SH   SOLE 0 0 0 17,545
PREMIER INC CL A 74051N102 290 8,560 SH   SOLE 0 0 0 8,560
CHEVRON CORP NEW COM 166764100 29,597 282,446 SH   SOLE 0 0 0 282,446
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 32,611 611,027 SH   SOLE 0 0 0 611,027
DISCOVERY INC COM SER A 25470F104 682 15,683 SH   SOLE 0 0 0 15,683
VANECK VECTORS ETF TR INTRMDT MUNI ETF 92189H201 214 4,182 SH   SOLE 0 0 0 4,182
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,600 15,965 SH   SOLE 0 0 0 15,965
AMGEN INC COM 031162100 640 2,574 SH   SOLE 0 0 0 2,574
COCA COLA CO COM 191216100 362 6,865 SH   SOLE 0 0 0 6,865
VERIZON COMMUNICATIONS INC COM 92343V104 29,808 512,606 SH   SOLE 0 0 0 512,606
ISHARES TR RUS MID CAP ETF 464287499 405 5,481 SH   SOLE 0 0 0 5,481
ISHARES TR CORE S&P MCP ETF 464287507 1,116 4,289 SH   SOLE 0 0 0 4,289
ADOBE SYSTEMS INCORPORATED COM 00724F101 267 562 SH   SOLE 0 0 0 562
GENERAL DYNAMICS CORP COM 369550108 20,769 114,394 SH   SOLE 0 0 0 114,394
FLIR SYS INC COM 302445101 268 4,740 SH   SOLE 0 0 0 4,740
JOHNSON & JOHNSON COM 478160104 39,231 238,702 SH   SOLE 0 0 0 238,702
M & T BK CORP COM 55261F104 220 1,449 SH   SOLE 0 0 0 1,449
GABELLI EQUITY TR INC COM 362397101 68 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR SHRT NAT MUN ETF 464288158 23,894 221,606 SH   SOLE 0 0 0 221,606
NEXTERA ENERGY INC COM 65339F101 28,396 375,557 SH   SOLE 0 0 0 375,557
TOMPKINS FINL CORP COM 890110109 1,458 17,632 SH   SOLE 0 0 0 17,632
NBT BANCORP INC COM 628778102 207 5,177 SH   SOLE 0 0 0 5,177
PROCTER AND GAMBLE CO COM 742718109 28,397 209,681 SH   SOLE 0 0 0 209,681
CORNING INC COM 219350105 288 6,620 SH   SOLE 0 0 0 6,620
ISHARES TR CORE US AGGBD ET 464287226 221 1,943 SH   SOLE 0 0 0 1,943
PNC FINL SVCS GROUP INC COM 693475105 22,540 128,501 SH   SOLE 0 0 0 128,501
ALPHABET INC CAP STK CL C 02079K107 46,699 22,575 SH   SOLE 0 0 0 22,575
ISHARES TR CORE S&P500 ETF 464287200 907 2,279 SH   SOLE 0 0 0 2,279
ISHARES TR SELECT DIVID ETF 464287168 370 3,244 SH   SOLE 0 0 0 3,244
AMERICOLD RLTY TR COM 03064D108 19,708 512,303 SH   SOLE 0 0 0 512,303
QUALCOMM INC COM 747525103 11,885 89,636 SH   SOLE 0 0 0 89,636
CATERPILLAR INC COM 149123101 465 2,007 SH   SOLE 0 0 0 2,007
ISHARES TR MSCI ACWI EX US 464288240 1,340 24,291 SH   SOLE 0 0 0 24,291
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 18,755 332,484 SH   SOLE 0 0 0 332,484
COMCAST CORP NEW CL A 20030N101 404 7,464 SH   SOLE 0 0 0 7,464
TJX COS INC NEW COM 872540109 20,451 309,161 SH   SOLE 0 0 0 309,161
ZOETIS INC CL A 98978V103 21,182 134,504 SH   SOLE 0 0 0 134,504
TESLA INC COM 88160R101 215 322 SH   SOLE 0 0 0 322
ECOLAB INC COM 278865100 275 1,284 SH   SOLE 0 0 0 1,284
MCDONALDS CORP COM 580135101 24,011 107,125 SH   SOLE 0 0 0 107,125
ALPHABET INC CAP STK CL A 02079K305 493 239 SH   SOLE 0 0 0 239
ENBRIDGE INC COM 29250N105 19,892 546,487 SH   SOLE 0 0 0 546,487
GENERAL MTRS CO COM 37045V100 274 4,769 SH   SOLE 0 0 0 4,769
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,995 62,760 SH   SOLE 0 0 0 62,760
PEPSICO INC COM 713448108 25,716 181,803 SH   SOLE 0 0 0 181,803
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,096 42,672 SH   SOLE 0 0 0 42,672
AMAZON COM INC COM 023135106 52,804 17,066 SH   SOLE 0 0 0 17,066
SOUTHWEST AIRLS CO COM 844741108 28,569 467,886 SH   SOLE 0 0 0 467,886
ISHARES TR CORE S&P SCP ETF 464287804 4,272 39,361 SH   SOLE 0 0 0 39,361
MONDELEZ INTL INC CL A 609207105 241 4,112 SH   SOLE 0 0 0 4,112
CONSTELLATION BRANDS INC CL A 21036P108 26,723 117,207 SH   SOLE 0 0 0 117,207
ISHARES TR RUS 1000 VAL ETF 464287598 397 2,619 SH   SOLE 0 0 0 2,619
ZIMMER BIOMET HOLDINGS INC COM 98956P102 316 1,971 SH   SOLE 0 0 0 1,971
MICROCHIP TECHNOLOGY INC. COM 595017104 221 1,425 SH   SOLE 0 0 0 1,425
VANGUARD INDEX FDS SMALL CP ETF 922908751 760 3,551 SH   SOLE 0 0 0 3,551
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 438 6,000 SH   SOLE 0 0 0 6,000
HUMANA INC COM 444859102 19,939 47,558 SH   SOLE 0 0 0 47,558
UNITEDHEALTH GROUP INC COM 91324P102 651 1,751 SH   SOLE 0 0 0 1,751
WASTE MGMT INC DEL COM 94106L109 263 2,036 SH   SOLE 0 0 0 2,036
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,948 5,347 SH   SOLE 0 0 0 5,347
GENERAL MLS INC COM 370334104 236 3,846 SH   SOLE 0 0 0 3,846
GOLDMAN SACHS GROUP INC COM 38141G104 15,845 48,456 SH   SOLE 0 0 0 48,456
TESLA INC COM 88160R101 0 500 SH Put SOLE 0 0 0 500
ISHARES TR CORE HIGH DV ETF 46429B663 245 2,586 SH   SOLE 0 0 0 2,586
BIOGEN INC COM 09062X103 19,246 68,798 SH   SOLE 0 0 0 68,798
GABELLI UTIL TR COM 36240A101 87 12,500 SH   SOLE 0 0 0 12,500
THERMO FISHER SCIENTIFIC INC COM 883556102 219 479 SH   SOLE 0 0 0 479
VANGUARD INDEX FDS LARGE CAP ETF 922908637 389 2,100 SH   SOLE 0 0 0 2,100
UNION PAC CORP COM 907818108 643 2,916 SH   SOLE 0 0 0 2,916
ISHARES INC MSCI EMERG MKT 46434G889 271 5,200 SH   SOLE 0 0 0 5,200
ILLUMINA INC COM 452327109 12,326 32,094 SH   SOLE 0 0 0 32,094
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 501 5,300 SH   SOLE 0 0 0 5,300
JPMORGAN CHASE & CO COM 46625H100 29,236 192,049 SH   SOLE 0 0 0 192,049
EXXON MOBIL CORP COM 30231G102 19,020 340,681 SH   SOLE 0 0 0 340,681
ISHARES TR CALIF MUN BD ETF 464288356 229 3,693 SH   SOLE 0 0 0 3,693
ISHARES TR ISHS 5-10YR INVT 464288638 6,758 114,092 SH   SOLE 0 0 0 114,092
ISHARES TR IBOXX INV CP ETF 464287242 492 3,780 SH   SOLE 0 0 0 3,780
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,486 92,663 SH   SOLE 0 0 0 92,663
CHUBB LIMITED COM H1467J104 20,618 130,520 SH   SOLE 0 0 0 130,520
ISHARES TR IBOXX HI YD ETF 464288513 399 4,578 SH   SOLE 0 0 0 4,578
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 230 13,840 SH   SOLE 0 0 0 13,840
REGIONS FINANCIAL CORP NEW COM 7591EP100 21,353 1,033,549 SH   SOLE 0 0 0 1,033,549
MICROSOFT CORP COM 594918104 63,573 269,639 SH   SOLE 0 0 0 269,639
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 12,679 247,097 SH   SOLE 0 0 0 247,097
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 12,671 231,897 SH   SOLE 0 0 0 231,897
ABBOTT LABS COM 002824100 29,866 249,212 SH   SOLE 0 0 0 249,212
NEXTERA ENERGY INC UNIT 99/99/9999 65339F739 18,638 375,774 SH   SOLE 0 0 0 375,774
AT&T INC COM 00206R102 234 7,722 SH   SOLE 0 0 0 7,722
MERCK & CO. INC COM 58933Y105 531 6,893 SH   SOLE 0 0 0 6,893
BOEING CO COM 097023105 43,577 171,077 SH   SOLE 0 0 0 171,077
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 590 5,951 SH   SOLE 0 0 0 5,951
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 12,267 103,714 SH   SOLE 0 0 0 103,714
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 47,628 186,432 SH   SOLE 0 0 0 186,432
TESLA INC COM 88160R101 2 1,000 SH Put SOLE 0 0 0 1,000
HOME DEPOT INC COM 437076102 21,631 70,864 SH   SOLE 0 0 0 70,864
CITIGROUP INC COM NEW 172967424 355 4,882 SH   SOLE 0 0 0 4,882
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 357 17,740 SH   SOLE 0 0 0 17,740
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 336 1,901 SH   SOLE 0 0 0 1,901
SCHWAB STRATEGIC TR US TIPS ETF 808524870 21,961 359,076 SH   SOLE 0 0 0 359,076
LOCKHEED MARTIN CORP COM 539830109 368 995 SH   SOLE 0 0 0 995
WEC ENERGY GROUP INC COM 92939U106 270 2,880 SH   SOLE 0 0 0 2,880
ISHARES TR RUS 1000 GRW ETF 464287614 502 2,065 SH   SOLE 0 0 0 2,065
UNIVERSAL DISPLAY CORP COM 91347P105 15,600 65,887 SH   SOLE 0 0 0 65,887
SPDR GOLD TR GOLD SHS 78463V107 35,987 224,973 SH   SOLE 0 0 0 224,973
CHECK POINT SOFTWARE TECH LT ORD M22465104 21,769 194,422 SH   SOLE 0 0 0 194,422
SPDR SER TR NUVEEN BLMBRG SR 78468R739 22,502 454,039 SH   SOLE 0 0 0 454,039
PAYPAL HLDGS INC COM 70450Y103 311 1,282 SH   SOLE 0 0 0 1,282