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
FASTENAL CO COM 311900104 5,460 147,776 SH   SOLE 0 147,776 0 0
VENTAS INC COM 92276F100 2,101 36,390 SH   SOLE 0 36,390 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 32,281 708,701 SH   SOLE 0 708,701 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 301 9,146 SH   SOLE 0 9,146 0 0
MONDELEZ INTL INC CL A 609207105 4,194 76,137 SH   SOLE 0 76,137 0 0
MCDONALDS CORP COM 580135101 360 1,821 SH   SOLE 0 1,821 0 0
CISCO SYS INC COM 17275R102 4,602 95,952 SH   SOLE 0 95,952 0 0
KLA CORPORATION COM NEW 482480100 3,795 21,302 SH   SOLE 0 21,302 0 0
UNION PACIFIC CORP COM 907818108 4,056 22,433 SH   SOLE 0 22,433 0 0
MICROSOFT CORP COM 594918104 8,339 52,877 SH   SOLE 0 52,877 0 0
ALPHABET INC CAP STK CL C 02079K107 6,738 5,040 SH   SOLE 0 5,040 0 0
VANGUARD GROUP DIV APP ETF 921908844 8,287 66,474 SH   SOLE 0 66,474 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,437 14,893 SH   SOLE 0 14,893 0 0
HOME DEPOT INC COM 437076102 296 1,355 SH   SOLE 0 1,355 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 71,974 2,660,761 SH   SOLE 0 2,660,761 0 0
PPG INDS INC COM 693506107 282 2,115 SH   SOLE 0 2,115 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 749 3,306 SH   SOLE 0 3,306 0 0
BLACKROCK INC COM 09247X101 6,418 12,767 SH   SOLE 0 12,767 0 0
TJX COS INC NEW COM 872540109 4,807 78,725 SH   SOLE 0 78,725 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,039 37,969 SH   SOLE 0 37,969 0 0
WALMART INC COM 931142103 3,252 27,366 SH   SOLE 0 27,366 0 0
DISNEY WALT CO COM DISNEY 254687106 5,028 34,767 SH   SOLE 0 34,767 0 0
WILLIAMS SONOMA INC COM 969904101 3,261 44,402 SH   SOLE 0 44,402 0 0
CSX CORP COM 126408103 565 7,805 SH   SOLE 0 7,805 0 0
US BANCORP DEL COM NEW 902973304 4,830 81,457 SH   SOLE 0 81,457 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 440 6,854 SH   SOLE 0 6,854 0 0
CHEVRON CORP NEW COM 166764100 4,991 41,413 SH   SOLE 0 41,413 0 0
VANECK VECTORS ETF TRUST BIOTECH ETF 92189F726 359 2,575 SH   SOLE 0 2,575 0 0
MERCK & CO INC COM 58933Y105 6,712 73,803 SH   SOLE 0 73,803 0 0
ALTRIA GROUP INC COM 02209S103 316 6,336 SH   SOLE 0 6,336 0 0
AMERICAN EXPRESS CO COM 025816109 349 2,805 SH   SOLE 0 2,805 0 0
AMAZON COM INC COM 023135106 610 330 SH   SOLE 0 330 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 934 19,025 SH   SOLE 0 19,025 0 0
JPMORGAN CHASE & CO COM 46625H100 9,384 67,317 SH   SOLE 0 67,317 0 0
TESLA INC COM 88160R101 209 500 SH   SOLE 0 500 0 0
COLGATE PALMOLIVE CO COM 194162103 317 4,605 SH   SOLE 0 4,605 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,840 9,661 SH   SOLE 0 9,661 0 0
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 22,790 741,622 SH   SOLE 0 741,622 0 0
BOEING CO COM 097023105 1,993 6,118 SH   SOLE 0 6,118 0 0
TRAVELERS COMPANIES INC COM 89417E109 3,270 23,876 SH   SOLE 0 23,876 0 0
NBT BANCORP INC COM 628778102 613 15,120 SH   SOLE 0 15,120 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,806 52,517 SH   SOLE 0 52,517 0 0
VISA INC COM CL A 92826C839 8,386 44,629 SH   SOLE 0 44,629 0 0
BECTON DICKINSON & CO COM 075887109 362 1,330 SH   SOLE 0 1,330 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,051 13,037 SH   SOLE 0 13,037 0 0
IPG PHOTONICS CORP COM 44980X109 246 1,700 SH   SOLE 0 1,700 0 0
AMPIO PHARMACEUTICALS INC COM 03209T109 82 140,000 SH   SOLE 0 140,000 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 18,392 343,515 SH   SOLE 0 343,515 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,446 72,730 SH   SOLE 0 72,730 0 0
ABBVIE INC COM 00287Y109 474 5,351 SH   SOLE 0 5,351 0 0
ANTHEM INC COM 036752103 3,894 12,892 SH   SOLE 0 12,892 0 0
FACEBOOK INC CL A 30303M102 4,227 20,593 SH   SOLE 0 20,593 0 0
ALLSTATE CORP COM 020002101 259 2,300 SH   SOLE 0 2,300 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,977 90,832 SH   SOLE 0 90,832 0 0
MASTERCARD INC CL A 57636Q104 284 950 SH   SOLE 0 950 0 0
ALPHABET INC CAP STK CL A 02079K305 510 381 SH   SOLE 0 381 0 0
ISHARES TR INTRM GOV CR ETF 464288612 54,173 480,852 SH   SOLE 0 480,852 0 0
NEXTERA ENERGY INC COM 65339F101 7,052 29,120 SH   SOLE 0 29,120 0 0
COMMUNITY BK SYS INC COM 203607106 542 7,644 SH   SOLE 0 7,644 0 0
GENERAL ELECTRIC CO COM 369604103 597 53,471 SH   SOLE 0 53,471 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 289 3,475 SH   SOLE 0 3,475 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 467 1,450 SH   SOLE 0 1,450 0 0
QUALCOMM INC COM 747525103 4,690 53,155 SH   SOLE 0 53,155 0 0
NOKIA CORP SPONSORED ADR 654902204 111 30,003 SH   SOLE 0 30,003 0 0
DOLLAR TREE INC COM 256746108 4,522 48,080 SH   SOLE 0 48,080 0 0
TRUIST FINL CORP COM 89832Q109 5,020 89,141 SH   SOLE 0 89,141 0 0
EXPEDIA GROUP INC COM NEW 30212P303 3,397 31,413 SH   SOLE 0 31,413 0 0
ANIXA BIOSCIENCES INC COM 03528H109 83 25,250 SH   SOLE 0 25,250 0 0
CONMED CORP COM 207410101 578 5,165 SH   SOLE 0 5,165 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 8,066 266,635 SH   SOLE 0 266,635 0 0
AT&T INC COM 00206R102 641 16,415 SH   SOLE 0 16,415 0 0
INTEL CORP COM 458140100 5,781 96,596 SH   SOLE 0 96,596 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 10,312 58,618 SH   SOLE 0 58,618 0 0
ISHARES TR TIPS BD ETF 464287176 16,484 141,405 SH   SOLE 0 141,405 0 0
ISHARES TR SH TR CRPORT ETF 464288646 2,838 52,910 SH   SOLE 0 52,910 0 0
EXXON MOBIL CORP COM 30231G102 2,881 41,281 SH   SOLE 0 41,281 0 0
MEDTRONIC PLC SHS G5960L103 5,182 45,676 SH   SOLE 0 45,676 0 0
CATERPILLAR INC DEL COM 149123101 1,862 12,605 SH   SOLE 0 12,605 0 0
HONEYWELL INTL INC COM 438516106 3,045 17,201 SH   SOLE 0 17,201 0 0
UNITED TECHNOLOGIES CORP COM 913017109 3,224 21,531 SH   SOLE 0 21,531 0 0
NXP SEMICONDUCTORS N V COM N6596X109 3,679 28,907 SH   SOLE 0 28,907 0 0
HEXCEL CORP NEW COM 428291108 3,645 49,719 SH   SOLE 0 49,719 0 0
BOOKING HLDGS INC COM 09857L108 4,266 2,077 SH   SOLE 0 2,077 0 0
PHILIP MORRIS INTL INC COM 718172109 569 6,683 SH   SOLE 0 6,683 0 0
M & T BK CORP COM 55261F104 6,748 39,755 SH   SOLE 0 39,755 0 0
ULTA BEAUTY INC COM 90384S303 2,332 9,214 SH   SOLE 0 9,214 0 0
ISHARES TR MULTIFACTOR USA 46434V282 61,874 1,794,498 SH   SOLE 0 1,794,498 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 21,847 293,095 SH   SOLE 0 293,095 0 0
NIKE INC CL B 654106103 568 5,603 SH   SOLE 0 5,603 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 5,623 91,585 SH   SOLE 0 91,585 0 0
PUBLIC STORAGE COM 74460D109 393 1,845 SH   SOLE 0 1,845 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 642 3,877 SH   SOLE 0 3,877 0 0
CHURCH & DWIGHT INC COM 171340102 2,104 29,905 SH   SOLE 0 29,905 0 0
PRUDENTIAL FINL INC COM 744320102 2,392 25,515 SH   SOLE 0 25,515 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 344 6,073 SH   SOLE 0 6,073 0 0
UNITEDHEALTH GROUP INC COM 91324P102 6,291 21,400 SH   SOLE 0 21,400 0 0
COCA COLA CO COM 191216100 348 6,296 SH   SOLE 0 6,296 0 0
MCKESSON CORP COM 58155Q103 4,003 28,940 SH   SOLE 0 28,940 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 43,603 538,114 SH   SOLE 0 538,114 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 262 1,436 SH   SOLE 0 1,436 0 0
ORACLE CORP COM 68389X105 4,437 83,755 SH   SOLE 0 83,755 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 5,413 44,783 SH   SOLE 0 44,783 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,448 19,145 SH   SOLE 0 19,145 0 0
PFIZER INC COM 717081103 4,398 112,252 SH   SOLE 0 112,252 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 4,110 47,642 SH   SOLE 0 47,642 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 4,841 78,056 SH   SOLE 0 78,056 0 0
ISHARES TR MULTIFACTOR USA 46434V290 63,014 1,468,514 SH   SOLE 0 1,468,514 0 0
PROCTER & GAMBLE CO COM 742718109 4,517 36,161 SH   SOLE 0 36,161 0 0
PHILLIPS 66 COM 718546104 5,037 45,210 SH   SOLE 0 45,210 0 0
TOMPKINS FINANCIAL CORPORATI COM 890110109 484 5,295 SH   SOLE 0 5,295 0 0
PEPSICO INC COM 713448108 5,588 40,889 SH   SOLE 0 40,889 0 0
JOHNSON & JOHNSON COM 478160104 4,954 33,962 SH   SOLE 0 33,962 0 0
HEXO CORP COM 428304109 16 10,000 SH   SOLE 0 10,000 0 0
IMMUCELL CORP COM PAR 452525306 144 28,028 SH   SOLE 0 28,028 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,597 29,715 SH   SOLE 0 29,715 0 0
LAM RESEARCH CORP COM 512807108 4,113 14,065 SH   SOLE 0 14,065 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 11,526 80,657 SH   SOLE 0 80,657 0 0
ISHARES INC CORE MSCI EMKT 46434G103 13,973 259,918 SH   SOLE 0 259,918 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 11,936 72,046 SH   SOLE 0 72,046 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 17,988 1,188,101 SH   SOLE 0 1,188,101 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 678 3,974 SH   SOLE 0 3,974 0 0
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 419 28,657 SH   SOLE 0 28,657 0 0
DEERE & CO COM 244199105 2,018 11,646 SH   SOLE 0 11,646 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 13,392 140,804 SH   SOLE 0 140,804 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 4,205 168,950 SH   SOLE 0 168,950 0 0
COMCAST CORP NEW CL A 20030N101 334 7,418 SH   SOLE 0 7,418 0 0
ABBOTT LABS COM 002824100 364 4,192 SH   SOLE 0 4,192 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 9,655 95,250 SH   SOLE 0 95,250 0 0
CVS HEALTH CORP COM 126650100 3,934 52,961 SH   SOLE 0 52,961 0 0
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 318 9,317 SH   SOLE 0 9,317 0 0
VANGUARD WELLINGTON FD US MINIMUM 921935409 27,408 298,432 SH   SOLE 0 298,432 0 0
APPLE INC COM 037833100 16,140 54,964 SH   SOLE 0 54,964 0 0
NOVOCURE LTD ORD SHS G6674U108 316 3,750 SH   SOLE 0 3,750 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,145 8,546 SH   SOLE 0 8,546 0 0
ISHARES TR CORE MSCI EAFE 46432F842 15,083 231,189 SH   SOLE 0 231,189 0 0