The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 |
BECTON DICKINSON & CO | COM | 075887109 | 318 | 1,306 | SH | SOLE | 0 | 1,306 | 0 | 0 | |
SPDR SER TR | BLOMBERG BRC INV | 78468R200 | 1,229 | 40,086 | SH | SOLE | 0 | 40,086 | 0 | 0 | |
ISHARES TR | MSCI USA MULTIFT | 46434V282 | 196,378 | 4,585,053 | SH | SOLE | 0 | 4,331,253 | 0 | 253,800 | |
GENERAL ELECTRIC CO | COM | 369604103 | 422 | 31,315 | SH | SOLE | 0 | 31,315 | 0 | 0 | |
ISHARES TR | EXPND TEC SC ETF | 464287549 | 2,733 | 6,764 | SH | SOLE | 0 | 6,644 | 0 | 120 | |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 891 | 2,082 | SH | SOLE | 0 | 2,082 | 0 | 0 | |
INTUITIVE SURGICAL INC | COM NEW | 46120E602 | 288 | 313 | SH | SOLE | 0 | 313 | 0 | 0 | |
AMPIO PHARMACEUTICALS INC | COM | 03209T109 | 317 | 190,000 | SH | SOLE | 0 | 190,000 | 0 | 0 | |
COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 | 2,407 | 34,751 | SH | SOLE | 0 | 34,551 | 0 | 200 | |
UNION PAC CORP | COM | 907818108 | 3,105 | 14,120 | SH | SOLE | 0 | 14,045 | 0 | 75 | |
PRUDENTIAL FINL INC | COM | 744320102 | 1,447 | 14,119 | SH | SOLE | 0 | 14,019 | 0 | 100 | |
CATERPILLAR INC | COM | 149123101 | 1,665 | 7,650 | SH | SOLE | 0 | 7,605 | 0 | 45 | |
APPLE INC | COM | 037833100 | 13,643 | 99,613 | SH | SOLE | 0 | 99,488 | 0 | 125 | |
ARK ETF TR | INNOVATION ETF | 00214Q104 | 348 | 2,660 | SH | SOLE | 0 | 2,660 | 0 | 0 | |
QUALCOMM INC | COM | 747525103 | 3,753 | 26,256 | SH | SOLE | 0 | 26,209 | 0 | 47 | |
ISHARES INC | MSCI EMERG MKT | 46434G889 | 70,535 | 1,301,735 | SH | SOLE | 0 | 1,247,219 | 0 | 54,516 | |
PHILIP MORRIS INTL INC | COM | 718172109 | 744 | 7,507 | SH | SOLE | 0 | 7,507 | 0 | 0 | |
NORFOLK SOUTHN CORP | COM | 655844108 | 207 | 780 | SH | SOLE | 0 | 780 | 0 | 0 | |
EDWARDS LIFESCIENCES CORP | COM | 28176E108 | 235 | 2,273 | SH | SOLE | 0 | 2,273 | 0 | 0 | |
VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 398 | 1,388 | SH | SOLE | 0 | 1,388 | 0 | 0 | |
MODERNA INC | COM | 60770K107 | 395 | 1,680 | SH | SOLE | 0 | 1,680 | 0 | 0 | |
COMMUNITY BK SYS INC | COM | 203607106 | 819 | 10,829 | SH | SOLE | 0 | 10,829 | 0 | 0 | |
INTEL CORP | COM | 458140100 | 3,262 | 58,098 | SH | SOLE | 0 | 58,098 | 0 | 0 | |
COMCAST CORP NEW | CL A | 20030N101 | 383 | 6,722 | SH | SOLE | 0 | 6,722 | 0 | 0 | |
NIO INC | SPON ADS | 62914V106 | 226 | 4,244 | SH | SOLE | 0 | 4,244 | 0 | 0 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 5,897 | 37,914 | SH | SOLE | 0 | 37,914 | 0 | 0 | |
EXXON MOBIL CORP | COM | 30231G102 | 1,704 | 27,009 | SH | SOLE | 0 | 27,009 | 0 | 0 | |
HERSHEY CO | COM | 427866108 | 217 | 1,244 | SH | SOLE | 0 | 1,244 | 0 | 0 | |
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 408 | 6,429 | SH | SOLE | 0 | 6,429 | 0 | 0 | |
CHEVRON CORP NEW | COM | 166764100 | 1,585 | 15,136 | SH | SOLE | 0 | 15,136 | 0 | 0 | |
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 1,051 | 16,000 | SH | SOLE | 0 | 16,000 | 0 | 0 | |
ISHARES INC | CORE MSCI EMKT | 46434G103 | 695 | 10,379 | SH | SOLE | 0 | 10,379 | 0 | 0 | |
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 3,194 | 20,633 | SH | SOLE | 0 | 20,633 | 0 | 0 | |
NXP SEMICONDUCTORS N V | COM | N6596X109 | 4,412 | 21,449 | SH | SOLE | 0 | 21,359 | 0 | 90 | |
SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | 202 | 5,109 | SH | SOLE | 0 | 5,109 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | 741 | 8,000 | SH | SOLE | 0 | 8,000 | 0 | 0 | |
SPDR SER TR | S&P BIOTECH | 78464A870 | 18,031 | 133,172 | SH | SOLE | 0 | 127,288 | 0 | 5,884 | |
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 688 | 3,465 | SH | SOLE | 0 | 3,390 | 0 | 75 | |
TJX COS INC NEW | COM | 872540109 | 2,558 | 37,940 | SH | SOLE | 0 | 37,940 | 0 | 0 | |
PUBLIC STORAGE | COM | 74460D109 | 555 | 1,845 | SH | SOLE | 0 | 1,845 | 0 | 0 | |
SKYWORKS SOLUTIONS INC | COM | 83088M102 | 4,405 | 22,970 | SH | SOLE | 0 | 22,870 | 0 | 100 | |
VANGUARD WELLINGTON FD | US MINIMUM | 921935409 | 570 | 5,792 | SH | SOLE | 0 | 5,742 | 0 | 50 | |
COCA COLA CO | COM | 191216100 | 270 | 4,994 | SH | SOLE | 0 | 4,994 | 0 | 0 | |
NETFLIX INC | COM | 64110L106 | 207 | 392 | SH | SOLE | 0 | 392 | 0 | 0 | |
VERIZON COMMUNICATIONS INC | COM | 92343V104 | 2,201 | 39,283 | SH | SOLE | 0 | 39,283 | 0 | 0 | |
DOLLAR TREE INC | COM | 256746108 | 2,659 | 26,725 | SH | SOLE | 0 | 26,575 | 0 | 150 | |
NVIDIA CORPORATION | COM | 67066G104 | 274 | 342 | SH | SOLE | 0 | 342 | 0 | 0 | |
TESLA INC | COM | 88160R101 | 1,684 | 2,477 | SH | SOLE | 0 | 2,477 | 0 | 0 | |
CSX CORP | COM | 126408103 | 378 | 11,784 | SH | SOLE | 0 | 11,784 | 0 | 0 | |
VENTAS INC | COM | 92276F100 | 2,390 | 41,865 | SH | SOLE | 0 | 41,865 | 0 | 0 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 | 23,973 | 686,323 | SH | SOLE | 0 | 674,164 | 0 | 12,159 | |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 2,911 | 34,120 | SH | SOLE | 0 | 33,929 | 0 | 191 | |
ISHARES TR | MSCI USA SML CP | 46434V290 | 181,740 | 3,313,392 | SH | SOLE | 0 | 3,166,665 | 0 | 146,727 | |
MICROSOFT CORP | COM | 594918104 | 6,561 | 24,218 | SH | SOLE | 0 | 24,168 | 0 | 50 | |
BOOKING HOLDINGS INC | COM | 09857L108 | 3,764 | 1,720 | SH | SOLE | 0 | 1,713 | 0 | 7 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 759 | 311 | SH | SOLE | 0 | 311 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 2,664 | 43,364 | SH | SOLE | 0 | 41,714 | 0 | 1,650 | |
VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 | 25,337 | 192,692 | SH | SOLE | 0 | 179,192 | 0 | 13,500 | |
MORGAN STANLEY | COM NEW | 617446448 | 466 | 5,082 | SH | SOLE | 0 | 5,082 | 0 | 0 | |
MEDTRONIC PLC | SHS | G5960L103 | 2,825 | 22,761 | SH | SOLE | 0 | 22,761 | 0 | 0 | |
BLACKROCK INC | COM | 09247X101 | 4,773 | 5,455 | SH | SOLE | 0 | 5,455 | 0 | 0 | |
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 23,210 | 419,705 | SH | SOLE | 0 | 412,155 | 0 | 7,550 | |
PACIFIC BIOSCIENCES CALIF IN | COM | 69404D108 | 262 | 7,500 | SH | SOLE | 0 | 7,500 | 0 | 0 | |
M & T BK CORP | COM | 55261F104 | 3,939 | 27,107 | SH | SOLE | 0 | 27,107 | 0 | 0 | |
JOHNSON & JOHNSON | COM | 478160104 | 3,598 | 21,840 | SH | SOLE | 0 | 21,760 | 0 | 80 | |
DISNEY WALT CO | COM | 254687106 | 4,156 | 23,646 | SH | SOLE | 0 | 23,431 | 0 | 215 | |
PFIZER INC | COM | 717081103 | 2,370 | 60,517 | SH | SOLE | 0 | 60,517 | 0 | 0 | |
DEERE & CO | COM | 244199105 | 1,986 | 5,631 | SH | SOLE | 0 | 5,631 | 0 | 0 | |
SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | 224 | 4,900 | SH | SOLE | 0 | 4,900 | 0 | 0 | |
DISCOVER FINL SVCS | COM | 254709108 | 213 | 1,799 | SH | SOLE | 0 | 1,799 | 0 | 0 | |
ABBOTT LABS | COM | 002824100 | 380 | 3,278 | SH | SOLE | 0 | 3,278 | 0 | 0 | |
PEPSICO INC | COM | 713448108 | 3,529 | 23,816 | SH | SOLE | 0 | 23,816 | 0 | 0 | |
ISHARES TR | TIPS BD ETF | 464287176 | 34,274 | 267,742 | SH | SOLE | 0 | 260,948 | 0 | 6,794 | |
IPG PHOTONICS CORP | COM | 44980X109 | 358 | 1,700 | SH | SOLE | 0 | 1,700 | 0 | 0 | |
VANGUARD TAX-MANAGED INTL FD | FTSE DEV MKT ETF | 921943858 | 706 | 13,708 | SH | SOLE | 0 | 13,708 | 0 | 0 | |
COSTCO WHSL CORP NEW | COM | 22160K105 | 2,456 | 6,208 | SH | SOLE | 0 | 6,168 | 0 | 40 | |
NEXTERA ENERGY INC | COM | 65339F101 | 4,011 | 54,729 | SH | SOLE | 0 | 54,729 | 0 | 0 | |
CVS HEALTH CORP | COM | 126650100 | 2,109 | 25,276 | SH | SOLE | 0 | 25,276 | 0 | 0 | |
VERIFYME INC | COM NEW | 92346X206 | 84 | 20,000 | SH | SOLE | 0 | 20,000 | 0 | 0 | |
AT&T INC | COM | 00206R102 | 299 | 10,402 | SH | SOLE | 0 | 10,402 | 0 | 0 | |
AMAZON COM INC | COM | 023135106 | 1,431 | 416 | SH | SOLE | 0 | 413 | 0 | 3 | |
TRAVELCENTERS OF AMERICA INC | COM NEW | 89421B109 | 371 | 12,700 | SH | SOLE | 0 | 12,700 | 0 | 0 | |
NBT BANCORP INC | COM | 628778102 | 244 | 6,774 | SH | SOLE | 0 | 6,774 | 0 | 0 | |
TOMPKINS FINL CORP | COM | 890110109 | 395 | 5,095 | SH | SOLE | 0 | 5,095 | 0 | 0 | |
ORACLE CORP | COM | 68389X105 | 3,853 | 49,505 | SH | SOLE | 0 | 49,280 | 0 | 225 | |
COLGATE PALMOLIVE CO | COM | 194162103 | 333 | 4,091 | SH | SOLE | 0 | 4,091 | 0 | 0 | |
VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 402 | 4,890 | SH | SOLE | 0 | 4,890 | 0 | 0 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 210 | 2,019 | SH | SOLE | 0 | 2,019 | 0 | 0 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 740 | 5,486 | SH | SOLE | 0 | 5,486 | 0 | 0 | |
ISHARES TR | MSCI INTL MULTFT | 46434V274 | 154,597 | 5,144,643 | SH | SOLE | 0 | 4,893,977 | 0 | 250,666 | |
WORLD GOLD TR | SPDR GLD MINIS | 98149E204 | 32,613 | 1,851,951 | SH | SOLE | 0 | 1,777,100 | 0 | 74,851 | |
NIKE INC | CL B | 654106103 | 806 | 5,218 | SH | SOLE | 0 | 5,218 | 0 | 0 | |
ISHARES TR | JPMORGAN USD EMG | 464288281 | 6,763 | 60,141 | SH | SOLE | 0 | 59,401 | 0 | 740 | |
ISHARES TR | MSCI USA VALUE | 46432F388 | 21,455 | 204,219 | SH | SOLE | 0 | 192,748 | 0 | 11,471 | |
ULTA BEAUTY INC | COM | 90384S303 | 3,750 | 10,846 | SH | SOLE | 0 | 10,791 | 0 | 55 | |
COHERENT INC | COM | 192479103 | 245 | 925 | SH | SOLE | 0 | 925 | 0 | 0 | |
US BANCORP DEL | COM NEW | 902973304 | 2,774 | 48,692 | SH | SOLE | 0 | 48,692 | 0 | 0 | |
ISHARES TR | INTRM GOV CR ETF | 464288612 | 105,342 | 911,103 | SH | SOLE | 0 | 888,679 | 0 | 22,424 | |
CISCO SYS INC | COM | 17275R102 | 2,613 | 49,311 | SH | SOLE | 0 | 49,311 | 0 | 0 | |
BRISTOL-MYERS SQUIBB CO | COM | 110122108 | 220 | 3,297 | SH | SOLE | 0 | 3,297 | 0 | 0 | |
ABBVIE INC | COM | 00287Y109 | 470 | 4,170 | SH | SOLE | 0 | 4,170 | 0 | 0 | |
GENERAC HLDGS INC | COM | 368736104 | 415 | 1,000 | SH | SOLE | 0 | 1,000 | 0 | 0 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 957 | 3,443 | SH | SOLE | 0 | 3,443 | 0 | 0 | |
VISA INC | COM CL A | 92826C839 | 5,251 | 22,456 | SH | SOLE | 0 | 22,326 | 0 | 130 | |
VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 359 | 1,238 | SH | SOLE | 0 | 1,238 | 0 | 0 | |
NORWOOD FINL CORP | COM | 669549107 | 973 | 37,432 | SH | SOLE | 0 | 37,432 | 0 | 0 | |
MONDELEZ INTL INC | CL A | 609207105 | 2,969 | 47,551 | SH | SOLE | 0 | 47,301 | 0 | 250 | |
KLA CORP | COM NEW | 482480100 | 3,748 | 11,561 | SH | SOLE | 0 | 11,506 | 0 | 55 | |
FACEBOOK INC | CL A | 30303M102 | 5,178 | 14,892 | SH | SOLE | 0 | 14,832 | 0 | 60 | |
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 519 | 2,302 | SH | SOLE | 0 | 2,302 | 0 | 0 | |
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,866 | 8,374 | SH | SOLE | 0 | 8,374 | 0 | 0 | |
ALTRIA GROUP INC | COM | 02209S103 | 346 | 7,263 | SH | SOLE | 0 | 7,263 | 0 | 0 | |
HOME DEPOT INC | COM | 437076102 | 308 | 965 | SH | SOLE | 0 | 965 | 0 | 0 | |
MCKESSON CORP | COM | 58155Q103 | 3,093 | 16,173 | SH | SOLE | 0 | 16,083 | 0 | 90 | |
NOKIA CORP | SPONSORED ADR | 654902204 | 59 | 11,003 | SH | SOLE | 0 | 11,003 | 0 | 0 | |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 4,465 | 11,150 | SH | SOLE | 0 | 11,110 | 0 | 40 | |
NOVOCURE LTD | ORD SHS | G6674U108 | 242 | 1,090 | SH | SOLE | 0 | 1,090 | 0 | 0 | |
DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | 480 | 10,714 | SH | SOLE | 0 | 10,714 | 0 | 0 | |
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 823 | 5,612 | SH | SOLE | 0 | 5,612 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 107,838 | 1,303,812 | SH | SOLE | 0 | 1,272,449 | 0 | 31,363 | |
3M CO | COM | 88579Y101 | 236 | 1,190 | SH | SOLE | 0 | 1,190 | 0 | 0 | |
BERKSHIRE HILLS BANCORP INC | COM | 084680107 | 251 | 9,146 | SH | SOLE | 0 | 9,146 | 0 | 0 | |
CONMED CORP | COM | 207410101 | 1,825 | 13,277 | SH | SOLE | 0 | 13,277 | 0 | 0 | |
VANGUARD WHITEHALL FDS | EMERG MKT BD ETF | 921946885 | 14,771 | 185,026 | SH | SOLE | 0 | 180,093 | 0 | 4,933 | |
MERCK & CO INC | COM | 58933Y105 | 2,809 | 36,119 | SH | SOLE | 0 | 36,119 | 0 | 0 | |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 729 | 3,179 | SH | SOLE | 0 | 3,179 | 0 | 0 | |
ISHARES TR | RUS 1000 GRW ETF | 464287614 | 5,632 | 20,746 | SH | SOLE | 0 | 20,746 | 0 | 0 | |
SPDR GOLD TR | GOLD SHS | 78463V107 | 12,017 | 72,555 | SH | SOLE | 0 | 71,968 | 0 | 587 | |
ANTHEM INC | COM | 036752103 | 2,387 | 6,252 | SH | SOLE | 0 | 6,252 | 0 | 0 | |
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 283 | 745 | SH | SOLE | 0 | 745 | 0 | 0 | |
PHILLIPS 66 | COM | 718546104 | 2,539 | 29,589 | SH | SOLE | 0 | 29,589 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 | 320 | 2,990 | SH | SOLE | 0 | 2,990 | 0 | 0 | |
SPDR SER TR | NUVEEN BLMBRG SR | 78468R739 | 1,725 | 34,805 | SH | SOLE | 0 | 34,805 | 0 | 0 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 5,692 | 2,271 | SH | SOLE | 0 | 2,258 | 0 | 13 | |
HONEYWELL INTL INC | COM | 438516106 | 3,773 | 17,199 | SH | SOLE | 0 | 17,199 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | 475 | 7,000 | SH | SOLE | 0 | 7,000 | 0 | 0 | |
ISHARES TR | CORE S&P500 ETF | 464287200 | 249 | 580 | SH | SOLE | 0 | 580 | 0 | 0 | |
IMMUCELL CORP | COM PAR | 452525306 | 285 | 30,028 | SH | SOLE | 0 | 30,028 | 0 | 0 | |
LAM RESEARCH CORP | COM | 512807108 | 4,336 | 6,664 | SH | SOLE | 0 | 6,634 | 0 | 30 | |
ISHARES TR | MSCI USA MMENTM | 46432F396 | 12,470 | 71,904 | SH | SOLE | 0 | 67,960 | 0 | 3,944 | |
THERMO FISHER SCIENTIFIC INC | COM | 883556102 | 278 | 552 | SH | SOLE | 0 | 552 | 0 | 0 | |
VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 534 | 2,261 | SH | SOLE | 0 | 2,261 | 0 | 0 | |
PPG INDS INC | COM | 693506107 | 303 | 1,782 | SH | SOLE | 0 | 1,782 | 0 | 0 |