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
ISHARES TR MSCI USA MULTIFT 46434V282 146,246 4,405,012 SH   SOLE 0 4,286,296 0 118,716
GENERAL ELECTRIC CO COM 369604103 197 31,601 SH   SOLE 0 31,601 0 0
ISHARES TR EXPND TEC SC ETF 464287549 21,582 69,831 SH   SOLE 0 68,174 0 1,657
SPDR S&P 500 ETF TR TR UNIT 78462F103 0 3,000 SH Put SOLE 0 3,000 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 1,764 57,688 SH   SOLE 0 57,616 0 72
SPDR S&P 500 ETF TR TR UNIT 78462F103 697 2,082 SH   SOLE 0 2,082 0 0
BECTON DICKINSON & CO COM 075887109 309 1,330 SH   SOLE 0 1,330 0 0
AMPIO PHARMACEUTICALS INC COM 03209T109 163 170,000 SH   SOLE 0 170,000 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,812 40,501 SH   SOLE 0 37,946 0 2,555
UNION PAC CORP COM 907818108 3,133 15,913 SH   SOLE 0 15,163 0 750
ARK ETF TR INNOVATION ETF 00214Q104 245 2,660 SH   SOLE 0 2,660 0 0
PRUDENTIAL FINL INC COM 744320102 1,105 17,392 SH   SOLE 0 16,447 0 945
QUALCOMM INC COM 747525103 4,119 35,005 SH   SOLE 0 33,165 0 1,840
APPLE INC COM 037833100 15,717 135,712 SH   SOLE 0 131,052 0 4,660
ISHARES INC MSCI EMERG MKT 46434G889 54,757 1,247,870 SH   SOLE 0 1,211,357 0 36,513
PHILIP MORRIS INTL INC COM 718172109 561 7,475 SH   SOLE 0 7,475 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 345 1,516 SH   SOLE 0 1,516 0 0
NORWOOD FINANCIAL CORP COM 669549107 1,009 41,497 SH   SOLE 0 41,497 0 0
COMMUNITY BK SYS INC COM 203607106 525 9,634 SH   SOLE 0 9,634 0 0
INTEL CORP COM 458140100 3,513 67,847 SH   SOLE 0 65,007 0 2,840
JPMORGAN CHASE & CO COM 46625H100 4,898 50,873 SH   SOLE 0 48,484 0 2,389
COMCAST CORP NEW CL A 20030N101 315 6,811 SH   SOLE 0 6,811 0 0
EXXON MOBIL CORP COM 30231G102 1,040 30,296 SH   SOLE 0 30,296 0 0
CHEVRON CORP NEW COM 166764100 1,566 21,748 SH   SOLE 0 20,528 0 1,220
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 348 6,895 SH   SOLE 0 6,895 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 669 9,815 SH   SOLE 0 9,026 0 789
ISHARES INC CORE MSCI EMKT 46434G103 563 10,668 SH   SOLE 0 10,668 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 783 15,000 SH   SOLE 0 15,000 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,136 32,148 SH   SOLE 0 32,148 0 0
NXP SEMICONDUCTORS N V COM N6596X109 3,524 28,235 SH   SOLE 0 26,831 0 1,404
AUTOMATIC DATA PROCESSING IN COM 053015103 520 3,731 SH   SOLE 0 3,586 0 145
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 605 5,000 SH   SOLE 0 5,000 0 0
SPDR SER TR S&P BIOTECH 78464A870 15,057 135,129 SH   SOLE 0 129,737 0 5,392
TJX COS INC NEW COM 872540109 2,420 43,483 SH   SOLE 0 41,173 0 2,310
PUBLIC STORAGE COM 74460D109 411 1,845 SH   SOLE 0 1,845 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 4,173 28,683 SH   SOLE 0 27,178 0 1,505
COCA COLA CO COM 191216100 237 4,801 SH   SOLE 0 4,801 0 0
VANGUARD WELLINGTON FD US MINIMUM 921935409 16,813 203,917 SH   SOLE 0 199,962 0 3,955
VENTAS INC COM 92276F100 2,224 53,007 SH   SOLE 0 49,830 0 3,177
VERIZON COMMUNICATIONS INC COM 92343V104 2,838 47,698 SH   SOLE 0 45,333 0 2,365
NVIDIA CORPORATION COM 67066G104 207 382 SH   SOLE 0 382 0 0
TESLA INC COM 88160R101 1,137 2,650 SH   SOLE 0 2,650 0 0
DOLLAR TREE INC COM 256746108 2,846 31,155 SH   SOLE 0 29,510 0 1,645
CSX CORP COM 126408103 598 7,705 SH   SOLE 0 7,705 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 19,303 685,711 SH   SOLE 0 673,498 0 12,213
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,278 39,592 SH   SOLE 0 37,685 0 1,907
ISHARES TR MSCI USA SML CP 46434V290 110,164 2,955,830 SH   SOLE 0 2,867,811 0 88,019
MICROSOFT CORP COM 594918104 6,527 31,031 SH   SOLE 0 29,531 0 1,500
ALPHABET INC CAP STK CL A 02079K305 473 323 SH   SOLE 0 323 0 0
BOOKING HOLDINGS INC COM 09857L108 3,675 2,148 SH   SOLE 0 2,045 0 103
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,225 100,260 SH   SOLE 0 100,260 0 0
CATERPILLAR INC DEL COM 149123101 1,283 8,605 SH   SOLE 0 8,200 0 405
VANGUARD WELLINGTON FD US MOMENTUM 921935508 18,325 192,934 SH   SOLE 0 188,130 0 4,804
MORGAN STANLEY COM NEW 617446448 278 5,752 SH   SOLE 0 5,752 0 0
BLACKROCK INC COM 09247X101 3,930 6,973 SH   SOLE 0 6,623 0 350
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 23,670 434,791 SH   SOLE 0 430,791 0 4,000
MEDTRONIC PLC SHS G5960L103 2,705 26,029 SH   SOLE 0 24,754 0 1,275
PACIFIC BIOSCIENCES CALIF IN COM 69404D108 128 13,000 SH   SOLE 0 13,000 0 0
JOHNSON & JOHNSON COM 478160104 3,539 23,770 SH   SOLE 0 23,080 0 690
M & T BK CORP COM 55261F104 3,008 32,659 SH   SOLE 0 31,395 0 1,264
DISNEY WALT CO COM DISNEY 254687106 3,319 26,751 SH   SOLE 0 25,522 0 1,229
PFIZER INC COM 717081103 2,490 67,836 SH   SOLE 0 64,951 0 2,885
DEERE & CO COM 244199105 1,444 6,517 SH   SOLE 0 6,177 0 340
PEPSICO INC COM 713448108 3,617 26,100 SH   SOLE 0 25,130 0 970
ABBOTT LABS COM 002824100 372 3,421 SH   SOLE 0 3,421 0 0
ISHARES TR TIPS BD ETF 464287176 19,735 156,007 SH   SOLE 0 154,117 0 1,890
IPG PHOTONICS CORP COM 44980X109 289 1,700 SH   SOLE 0 1,700 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,474 6,968 SH   SOLE 0 6,673 0 295
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 542 13,264 SH   SOLE 0 13,264 0 0
CVS HEALTH CORP COM 126650100 1,724 29,520 SH   SOLE 0 27,940 0 1,580
NEXTERA ENERGY INC COM 65339F101 4,589 16,533 SH   SOLE 0 15,723 0 810
TRAVELERS COMPANIES INC COM 89417E109 1,365 12,615 SH   SOLE 0 11,890 0 725
AMAZON COM INC COM 023135106 1,203 382 SH   SOLE 0 377 0 5
AT&T INC COM 00206R102 353 12,375 SH   SOLE 0 12,375 0 0
MERCK & CO. INC COM 58933Y105 3,431 41,360 SH   SOLE 0 39,170 0 2,190
BOEING CO COM 097023105 235 1,423 SH   SOLE 0 1,423 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 488 5,878 SH   SOLE 0 5,878 0 0
ORACLE CORP COM 68389X105 3,473 58,180 SH   SOLE 0 55,125 0 3,055
COLGATE PALMOLIVE CO COM 194162103 353 4,580 SH   SOLE 0 4,580 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 25,565 1,359,838 SH   SOLE 0 1,330,109 0 29,729
ISHARES TR MSCI INTL MULTFT 46434V274 112,571 4,632,545 SH   SOLE 0 4,490,668 0 141,877
PROCTER AND GAMBLE CO COM 742718109 745 5,361 SH   SOLE 0 5,361 0 0
ISHARES TR JPMORGAN USD EMG 464288281 6,781 61,149 SH   SOLE 0 60,759 0 390
NIKE INC CL B 654106103 695 5,538 SH   SOLE 0 5,538 0 0
ULTA BEAUTY INC COM 90384S303 3,001 13,398 SH   SOLE 0 12,714 0 684
COHERENT INC COM 192479103 324 2,925 SH   SOLE 0 2,925 0 0
US BANCORP DEL COM NEW 902973304 2,235 62,334 SH   SOLE 0 58,567 0 3,767
ISHARES TR INTRM GOV CR ETF 464288612 82,840 703,580 SH   SOLE 0 694,935 0 8,645
CISCO SYS INC COM 17275R102 2,205 55,982 SH   SOLE 0 53,346 0 2,636
BRISTOL-MYERS SQUIBB CO COM 110122108 235 3,890 SH   SOLE 0 3,890 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 781 3,668 SH   SOLE 0 3,668 0 0
ABBVIE INC COM 00287Y109 376 4,298 SH   SOLE 0 4,298 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 266 1,238 SH   SOLE 0 1,238 0 0
VISA INC COM CL A 92826C839 5,637 28,190 SH   SOLE 0 26,530 0 1,660
MONDELEZ INTL INC CL A 609207105 3,107 54,076 SH   SOLE 0 51,566 0 2,510
KLA CORP COM NEW 482480100 2,801 14,455 SH   SOLE 0 13,730 0 725
FACEBOOK INC CL A 30303M102 5,228 19,962 SH   SOLE 0 18,951 0 1,011
VANGUARD INDEX FDS SMALL CP ETF 922908751 354 2,302 SH   SOLE 0 2,302 0 0
ALTRIA GROUP INC COM 02209S103 279 7,210 SH   SOLE 0 7,210 0 0
HOME DEPOT INC COM 437076102 342 1,232 SH   SOLE 0 1,232 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,492 8,760 SH   SOLE 0 8,760 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 623 6,250 SH   SOLE 0 6,250 0 0
MCKESSON CORP COM 58155Q103 2,848 19,120 SH   SOLE 0 18,070 0 1,050
INTERNATIONAL BUSINESS MACHS COM 459200101 660 5,428 SH   SOLE 0 5,428 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,312 13,831 SH   SOLE 0 13,046 0 785
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 64,919 783,567 SH   SOLE 0 771,097 0 12,470
NOVOCURE LTD ORD SHS G6674U108 422 3,790 SH   SOLE 0 3,790 0 0
NOKIA CORP SPONSORED ADR 654902204 164 42,003 SH   SOLE 0 42,003 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 103 10,146 SH   SOLE 0 10,146 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,574 30,312 SH   SOLE 0 30,312 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 479 3,200 SH   SOLE 0 3,200 0 0
CONMED CORP COM 207410101 398 5,065 SH   SOLE 0 5,065 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 11,012 139,565 SH   SOLE 0 137,359 0 2,206
SPDR GOLD TR GOLD SHS 78463V107 13,072 73,802 SH   SOLE 0 73,488 0 314
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2,682 25,095 SH   SOLE 0 25,095 0 0
ANTHEM INC COM 036752103 1,900 7,074 SH   SOLE 0 6,674 0 400
PHILLIPS 66 COM 718546104 2,107 40,648 SH   SOLE 0 38,164 0 2,484
ALPHABET INC CAP STK CL C 02079K107 4,960 3,375 SH   SOLE 0 3,185 0 190
HONEYWELL INTL INC COM 438516106 3,525 21,413 SH   SOLE 0 20,301 0 1,112
SPDR SER TR NUVEEN BLMBRG SR 78468R739 6,915 138,660 SH   SOLE 0 137,410 0 1,250
TOMPKINS FINANCIAL CORPORATI COM 890110109 301 5,295 SH   SOLE 0 5,295 0 0
IMMUCELL CORP COM PAR 452525306 163 30,028 SH   SOLE 0 30,028 0 0
LAM RESEARCH CORP COM 512807108 3,103 9,354 SH   SOLE 0 8,854 0 500
THERMO FISHER SCIENTIFIC INC COM 883556102 217 491 SH   SOLE 0 491 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 407 2,261 SH   SOLE 0 2,261 0 0
PPG INDS INC COM 693506107 255 2,092 SH   SOLE 0 2,092 0 0