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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,240,092 10,360 SH   SOLE   0 0 10,360
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,162,944 17,880 SH   SOLE   0 0 17,880
AMAZON COM INC COM 023135106 BBG001S5PQL7 495,629 3,802 SH   SOLE   0 0 3,802
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 307,463 1,765 SH   SOLE   0 0 1,765
APOLLO TACTICAL INCOME FD IN COM 037638103 BBG003NQ4BY4 166,987 13,159 SH   SOLE   0 0 13,159
APPLE INC COM 037833100 BBG001S5N8V8 3,410,933 17,585 SH   SOLE   0 0 17,585
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 4,142,480 8 SH   SOLE   0 0 8
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,811,545 8,245 SH   SOLE   0 0 8,245
BLACKROCK MUNIYILD QULT FD I COM 09254F100 BBG001S6Y4Q9 185,120 16,000 SH   SOLE   0 0 16,000
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 1,347,166 24,906 SH   SOLE   0 0 24,906
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 212,398 2,119 SH   SOLE   0 0 2,119
COMMUNITY BK SYS INC COM 203607106 BBG001S5PK76 6,466,502 137,937 SH   SOLE   0 0 137,937
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 627,213 1,165 SH   SOLE   0 0 1,165
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 507,360 2,114 SH   SOLE   0 0 2,114
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 240,347 2,241 SH   SOLE   0 0 2,241
FASTENAL CO COM 311900104 BBG001S5R1F7 1,060,522 17,978 SH   SOLE   0 0 17,978
FIRST TR ENERGY INFRASTRCTR COM 33738C103 BBG001Y23QY7 259,749 17,670 SH   SOLE   0 0 17,670
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 BBG00J3N6MY2 14,684,600 464,850 SH   SOLE   0 0 464,850
FST TR NEW OPPORT MLP & ENE COM 33739M100 BBG005FHWCN7 66,220 11,000 SH   SOLE   0 0 11,000
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 BBG00CP9KWK1 500,311 9,190 SH   SOLE   0 0 9,190
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 BBG00NW3TGY3 330,089 6,615 SH   SOLE   0 0 6,615
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 BBG00L45DKL5 714,129 11,305 SH   SOLE   0 0 11,305
HOME DEPOT INC COM 437076102 BBG001S5RTW7 262,918 846 SH   SOLE   0 0 846
INSPIREMD INC COM 45779A846 BBG001T6WG65 62,750 25,000 SH   SOLE   0 0 25,000
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 283,492 2,507 SH   SOLE   0 0 2,507
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 347,638 2,598 SH   SOLE   0 0 2,598
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 7,821,395 157,562 SH   SOLE   0 0 157,562
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 1,772,279 79,653 SH   SOLE   0 0 79,653
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 946,467 46,012 SH   SOLE   0 0 46,012
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 2,099,941 104,319 SH   SOLE   0 0 104,319
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 16,760,454 884,690 SH   SOLE   0 0 884,690
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 BBG00KJR2L24 1,838,282 96,622 SH   SOLE   0 0 96,622
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 BBG00LNJW5P2 1,669,301 84,543 SH   SOLE   0 0 84,543
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 300,703 1,750 SH   SOLE   0 0 1,750
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 668,057 1,808 SH   SOLE   0 0 1,808
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 12,482,171 343,011 SH   SOLE   0 0 343,011
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 29,170,774 591,819 SH   SOLE   0 0 591,819
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 2,977,598 94,138 SH   SOLE   0 0 94,138
ISHARES INC MSCI CDA ETF 464286509 BBG001S8R7V0 2,557,848 73,102 SH   SOLE   0 0 73,102
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 6,114,939 117,640 SH   SOLE   0 0 117,640
ISHARES INC MSCI EURZONE ETF 464286608 BBG001SFQPM5 3,616,143 78,921 SH   SOLE   0 0 78,921
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 250,040 2,550 SH   SOLE   0 0 2,550
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 18,071,249 179,581 SH   SOLE   0 0 179,581
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 4,123,763 42,689 SH   SOLE   0 0 42,689
ISHARES TR BB RAT CORP BD 46435U473 BBG00XR0V4D0 1,393,976 31,114 SH   SOLE   0 0 31,114
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 2,574,227 25,541 SH   SOLE   0 0 25,541
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 86,122,379 1,275,887 SH   SOLE   0 0 1,275,887
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 31,322,380 119,789 SH   SOLE   0 0 119,789
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 32,522,350 326,365 SH   SOLE   0 0 326,365
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 211,726 2,164 SH   SOLE   0 0 2,164
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 54,243,779 121,702 SH   SOLE   0 0 121,702
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 644,707 6,582 SH   SOLE   0 0 6,582
ISHARES TR DOW JONES US ETF 464287846 BBG001S7Y593 351,314 3,243 SH   SOLE   0 0 3,243
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 990,876 16,800 SH   SOLE   0 0 16,800
ISHARES TR ESG ADVNCD HY BD 46435G441 BBG00D331HK0 271,577 6,161 SH   SOLE   0 0 6,161
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 5,767,200 79,079 SH   SOLE   0 0 79,079
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 1,539,380 15,795 SH   SOLE   0 0 15,795
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 424,797 17,767 SH   SOLE   0 0 17,767
ISHARES TR ESG AWRE USD ETF 46435G193 BBG00H4BH3F2 404,294 17,779 SH   SOLE   0 0 17,779
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 8,333,720 98,055 SH   SOLE   0 0 98,055
ISHARES TR IBOND DEC 2030 46436E593 BBG00VYKY6D4 15,691,700 798,560 SH   SOLE   0 0 798,560
ISHARES TR IBONDS 28 TRM TS 46436E833 BBG00RYR4L11 4,754,944 216,134 SH   SOLE   0 0 216,134
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 505,700 10,000 SH   SOLE   0 0 10,000
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 6,782,013 70,690 SH   SOLE   0 0 70,690
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 380,963 7,740 SH   SOLE   0 0 7,740
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 242,150 3,340 SH   SOLE   0 0 3,340
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 613,238 9,085 SH   SOLE   0 0 9,085
ISHARES TR MSCI LW CRB TG 46434V464 BBG007PGJH85 215,515 1,378 SH   SOLE   0 0 1,378
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 25,592,233 344,306 SH   SOLE   0 0 344,306
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 547,368 17,697 SH   SOLE   0 0 17,697
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 12,510,713 45,463 SH   SOLE   0 0 45,463
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 10,896,735 69,041 SH   SOLE   0 0 69,041
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 4,632,956 65,735 SH   SOLE   0 0 65,735
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 3,911,878 24,269 SH   SOLE   0 0 24,269
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 42,870,521 774,815 SH   SOLE   0 0 774,815
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 2,517,187 50,203 SH   SOLE   0 0 50,203
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 1,263,249 25,341 SH   SOLE   0 0 25,341
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 794,932 4,803 SH   SOLE   0 0 4,803
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 538,273 3,701 SH   SOLE   0 0 3,701
M & T BK CORP COM 55261F104 BBG001S7S2B4 793,878 6,415 SH   SOLE   0 0 6,415
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 7,023,989 17,859 SH   SOLE   0 0 17,859
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,138,920 6,281 SH   SOLE   0 0 6,281
NUVEEN NEW YORK QLT MUN INC COM 67066X107 BBG001SCTFW0 107,500 10,000 SH   SOLE   0 0 10,000
OCULAR THERAPEUTIX INC COM 67576A100 BBG001V0FT93 1,002,413 194,266 SH   SOLE   0 0 194,266
PACER FDS TR INDUSTRIAL RELET 69374H766 BBG00KX8XWB2 388,396 9,925 SH   SOLE   0 0 9,925
PAYCHEX INC COM 704326107 BBG001S5V135 551,974 4,934 SH   SOLE   0 0 4,934
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 886,966 8,891 SH   SOLE   0 0 8,891
PIMCO ETF TR ENHANCD SHORT 72201R643 BBG00QQFDTV8 266,805 2,725 SH   SOLE   0 0 2,725
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 BBG001T6Q6C7 299,657 6,050 SH   SOLE   0 0 6,050
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888 BBG00H3P9YB7 2,214,806 130,667 SH   SOLE   0 0 130,667
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,758,818 11,591 SH   SOLE   0 0 11,591
RAND CAP CORP COM NEW 752185207 BBG001S5VKT5 274,238 21,079 SH   SOLE   0 0 21,079
REDWOOD TRUST INC COM 758075402 BBG001SBHVP8 84,320 13,237 SH   SOLE   0 0 13,237
REVANCE THERAPEUTICS INC COM 761330109 BBG001V0GBC7 303,188 11,979 SH   SOLE   0 0 11,979
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 9,087,824 173,531 SH   SOLE   0 0 173,531
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 277,079 6,326 SH   SOLE   0 0 6,326
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 443,029 6,770 SH   SOLE   0 0 6,770
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 454,226 1,321 SH   SOLE   0 0 1,321
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 456,549 2,561 SH   SOLE   0 0 2,561
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 332,046 10,204 SH   SOLE   0 0 10,204
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 211,872 6,163 SH   SOLE   0 0 6,163
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,837,707 4,146 SH   SOLE   0 0 4,146
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 20,942,024 652,196 SH   SOLE   0 0 652,196
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 615,560 13,414 SH   SOLE   0 0 13,414
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 24,835,497 476,598 SH   SOLE   0 0 476,598
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 628,197 16,174 SH   SOLE   0 0 16,174
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 559,360 19,000 SH   SOLE   0 0 19,000
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 44,669,749 732,171 SH   SOLE   0 0 732,171
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 52,508,073 1,215,465 SH   SOLE   0 0 1,215,465
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 1,853,375 44,265 SH   SOLE   0 0 44,265
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 4,568,071 112,653 SH   SOLE   0 0 112,653
STARBUCKS CORP COM 855244109 BBG001S72KH6 246,660 2,490 SH   SOLE   0 0 2,490
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,263,915 14,906 SH   SOLE   0 0 14,906
VANECK ETF TRUST GREEN BOND ETF 92189F171 BBG00G4XX4B0 298,038 12,794 SH   SOLE   0 0 12,794
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 501,481 10,201 SH   SOLE   0 0 10,201
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 471,142 2,140 SH   SOLE   0 0 2,140
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 456,154 1,120 SH   SOLE   0 0 1,120
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,912,936 47,024 SH   SOLE   0 0 47,024
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 1,103,923 11,383 SH   SOLE   0 0 11,383
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 18,331,693 312,508 SH   SOLE   0 0 312,508
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 562,732 7,120 SH   SOLE   0 0 7,120
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 903,587 14,223 SH   SOLE   0 0 14,223
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 359,892 5,200 SH   SOLE   0 0 5,200
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,411,418 8,689 SH   SOLE   0 0 8,689
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,528,265 76,402 SH   SOLE   0 0 76,402
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 647,942 12,200 SH   SOLE   0 0 12,200
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 646,388 8,250 SH   SOLE   0 0 8,250
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 252,969 1,075 SH   SOLE   0 0 1,075
VISA INC COM CL A 92826C839 BBG001SRCFY3 314,954 1,326 SH   SOLE   0 0 1,326
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 16,144,511 320,837 SH   SOLE   0 0 320,837
WORLD GOLD TR SPDR GLD MINIS 98149E303 BBG00L8YYQ05 11,979,953 314,517 SH   SOLE   0 0 314,517