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
DISNEY WALT CO COM 254687106 3,762 22,239 SH   SOLE 0 22,024 0 215
PFIZER INC COM 717081103 2,536 58,958 SH   SOLE 0 58,958 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 1,214 39,611 SH   SOLE 0 39,611 0 0
DEERE & CO COM 244199105 1,821 5,434 SH   SOLE 0 5,434 0 0
BECTON DICKINSON & CO COM 075887109 320 1,300 SH   SOLE 0 1,300 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 224 4,900 SH   SOLE 0 4,900 0 0
ISHARES TR MSCI USA MULTIFT 46434V282 187,422 4,447,593 SH   SOLE 0 4,200,434 0 247,159
DISCOVER FINL SVCS COM 254709108 221 1,799 SH   SOLE 0 1,799 0 0
ISHARES TR EXPND TEC SC ETF 464287549 1,987 4,923 SH   SOLE 0 4,803 0 120
DANAHER CORPORATION COM 235851102 205 674 SH   SOLE 0 674 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 604 1,407 SH   SOLE 0 1,407 0 0
ABBOTT LABS COM 002824100 385 3,260 SH   SOLE 0 3,260 0 0
PEPSICO INC COM 713448108 3,517 23,381 SH   SOLE 0 23,381 0 0
ISHARES TR TIPS BD ETF 464287176 35,587 278,697 SH   SOLE 0 271,557 0 7,140
AMPIO PHARMACEUTICALS INC COM 03209T109 17 10,000 SH   SOLE 0 10,000 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 593 11,744 SH   SOLE 0 11,744 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,508 33,791 SH   SOLE 0 33,591 0 200
COSTCO WHSL CORP NEW COM 22160K105 2,714 6,039 SH   SOLE 0 5,999 0 40
CVS HEALTH CORP COM 126650100 2,049 24,148 SH   SOLE 0 24,148 0 0
NEXTERA ENERGY INC COM 65339F101 4,370 55,649 SH   SOLE 0 55,649 0 0
UNION PAC CORP COM 907818108 2,708 13,816 SH   SOLE 0 13,741 0 75
PRUDENTIAL FINL INC COM 744320102 1,415 13,449 SH   SOLE 0 13,349 0 100
CATERPILLAR INC COM 149123101 1,437 7,483 SH   SOLE 0 7,438 0 45
APPLE INC COM 037833100 13,541 95,694 SH   SOLE 0 95,569 0 125
AT&T INC COM 00206R102 533 19,744 SH   SOLE 0 19,744 0 0
AMAZON COM INC COM 023135106 923 281 SH   SOLE 0 278 0 3
QUALCOMM INC COM 747525103 3,325 25,779 SH   SOLE 0 25,732 0 47
ISHARES INC MSCI EMERG MKT 46434G889 68,854 1,334,373 SH   SOLE 0 1,276,823 0 57,550
NBT BANCORP INC COM 628778102 245 6,774 SH   SOLE 0 6,774 0 0
PHILIP MORRIS INTL INC COM 718172109 708 7,466 SH   SOLE 0 7,466 0 0
TOMPKINS FINL CORP COM 890110109 412 5,095 SH   SOLE 0 5,095 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 397 4,840 SH   SOLE 0 4,840 0 0
COLGATE PALMOLIVE CO COM 194162103 287 3,795 SH   SOLE 0 3,795 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 202 2,019 SH   SOLE 0 2,019 0 0
ORACLE CORP COM 68389X105 4,173 47,893 SH   SOLE 0 47,668 0 225
PROCTER AND GAMBLE CO COM 742718109 763 5,455 SH   SOLE 0 5,455 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 201 1,773 SH   SOLE 0 1,773 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 34,662 1,985,244 SH   SOLE 0 1,905,268 0 79,976
ISHARES TR MSCI INTL MULTFT 46434V274 156,529 5,393,841 SH   SOLE 0 5,132,102 0 261,739
VANGUARD INDEX FDS GROWTH ETF 922908736 403 1,388 SH   SOLE 0 1,388 0 0
NIKE INC CL B 654106103 735 5,058 SH   SOLE 0 5,058 0 0
COMMUNITY BK SYS INC COM 203607106 741 10,829 SH   SOLE 0 10,829 0 0
ISHARES TR JPMORGAN USD EMG 464288281 6,466 58,750 SH   SOLE 0 58,010 0 740
ISHARES TR MSCI USA VALUE 46432F388 12,449 123,621 SH   SOLE 0 116,343 0 7,278
ULTA BEAUTY INC COM 90384S303 3,776 10,461 SH   SOLE 0 10,406 0 55
INTEL CORP COM 458140100 2,970 55,746 SH   SOLE 0 55,746 0 0
US BANCORP DEL COM NEW 902973304 2,801 47,122 SH   SOLE 0 47,122 0 0
ISHARES TR INTRM GOV CR ETF 464288612 110,026 955,671 SH   SOLE 0 930,889 0 24,782
COMCAST CORP NEW CL A 20030N101 374 6,690 SH   SOLE 0 6,690 0 0
GENERAL ELECTRIC CO COM NEW 369604301 382 3,706 SH   SOLE 0 3,706 0 0
JPMORGAN CHASE & CO COM 46625H100 6,083 37,162 SH   SOLE 0 37,162 0 0
CISCO SYS INC COM 17275R102 2,621 48,147 SH   SOLE 0 48,147 0 0
EXXON MOBIL CORP COM 30231G102 1,578 26,832 SH   SOLE 0 26,832 0 0
HERSHEY CO COM 427866108 211 1,244 SH   SOLE 0 1,244 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 392 6,429 SH   SOLE 0 6,429 0 0
ABBVIE INC COM 00287Y109 450 4,170 SH   SOLE 0 4,170 0 0
CHEVRON CORP NEW COM 166764100 1,148 11,313 SH   SOLE 0 11,313 0 0
GENERAC HLDGS INC COM 368736104 409 1,000 SH   SOLE 0 1,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 968 3,547 SH   SOLE 0 3,547 0 0
ISHARES INC CORE MSCI EMKT 46434G103 561 9,080 SH   SOLE 0 9,080 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,034 16,350 SH   SOLE 0 16,350 0 0
VISA INC COM CL A 92826C839 4,913 22,055 SH   SOLE 0 21,925 0 130
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,042 19,806 SH   SOLE 0 19,806 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 347 1,238 SH   SOLE 0 1,238 0 0
NORWOOD FINL CORP COM 669549107 962 37,432 SH   SOLE 0 37,432 0 0
NXP SEMICONDUCTORS N V COM N6596X109 4,075 20,807 SH   SOLE 0 20,717 0 90
MONDELEZ INTL INC CL A 609207105 2,714 46,646 SH   SOLE 0 46,396 0 250
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 707 8,000 SH   SOLE 0 8,000 0 0
KLA CORP COM NEW 482480100 3,761 11,243 SH   SOLE 0 11,188 0 55
SPDR SER TR S&P BIOTECH 78464A870 17,479 139,043 SH   SOLE 0 132,931 0 6,112
AUTOMATIC DATA PROCESSING IN COM 053015103 693 3,465 SH   SOLE 0 3,390 0 75
TJX COS INC NEW COM 872540109 2,445 37,055 SH   SOLE 0 37,055 0 0
FACEBOOK INC CL A 30303M102 4,844 14,274 SH   SOLE 0 14,214 0 60
VANGUARD INDEX FDS SMALL CP ETF 922908751 503 2,302 SH   SOLE 0 2,302 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,808 8,144 SH   SOLE 0 8,144 0 0
ALTRIA GROUP INC COM 02209S103 325 7,130 SH   SOLE 0 7,130 0 0
HOME DEPOT INC COM 437076102 314 957 SH   SOLE 0 957 0 0
PUBLIC STORAGE COM 74460D109 548 1,845 SH   SOLE 0 1,845 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 3,699 22,447 SH   SOLE 0 22,347 0 100
MCKESSON CORP COM 58155Q103 3,150 15,798 SH   SOLE 0 15,708 0 90
COCA COLA CO COM 191216100 262 4,995 SH   SOLE 0 4,995 0 0
NETFLIX INC COM 64110L106 209 342 SH   SOLE 0 342 0 0
VANGUARD WELLINGTON FD US MINIMUM 921935409 515 5,271 SH   SOLE 0 5,271 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,910 35,359 SH   SOLE 0 35,359 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,264 10,913 SH   SOLE 0 10,873 0 40
DOLLAR TREE INC COM 256746108 2,418 25,261 SH   SOLE 0 25,111 0 150
NVIDIA CORPORATION COM 67066G104 201 968 SH   SOLE 0 968 0 0
TESLA INC COM 88160R101 1,688 2,177 SH   SOLE 0 2,177 0 0
WASTE MGMT INC DEL COM 94106L109 204 1,363 SH   SOLE 0 1,363 0 0
CSX CORP COM 126408103 350 11,784 SH   SOLE 0 11,784 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 476 10,714 SH   SOLE 0 10,714 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 738 5,309 SH   SOLE 0 5,309 0 0
VENTAS INC COM 92276F100 2,214 40,098 SH   SOLE 0 40,098 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 128,819 1,563,143 SH   SOLE 0 1,524,432 0 38,711
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 22,232 650,632 SH   SOLE 0 637,986 0 12,646
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,869 33,381 SH   SOLE 0 33,190 0 191
BERKSHIRE HILLS BANCORP INC COM 084680107 220 8,146 SH   SOLE 0 8,146 0 0
CONMED CORP COM 207410101 1,737 13,277 SH   SOLE 0 13,277 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 15,218 194,350 SH   SOLE 0 189,108 0 5,242
MERCK & CO INC COM 58933Y105 2,643 35,188 SH   SOLE 0 35,188 0 0
ISHARES TR MSCI USA SML CP 46434V290 182,539 3,396,070 SH   SOLE 0 3,244,580 0 151,490
MICROSOFT CORP COM 594918104 6,463 22,926 SH   SOLE 0 22,876 0 50
ISHARES TR RUSSELL 2000 ETF 464287655 668 3,052 SH   SOLE 0 3,052 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,340 19,485 SH   SOLE 0 19,485 0 0
SPDR GOLD TR GOLD SHS 78463V107 11,747 71,534 SH   SOLE 0 70,947 0 587
ANTHEM INC COM 036752103 2,277 6,109 SH   SOLE 0 6,109 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 264 2,500 SH   SOLE 0 2,500 0 0
BOOKING HOLDINGS INC COM 09857L108 3,979 1,676 SH   SOLE 0 1,669 0 7
GOLDMAN SACHS GROUP INC COM 38141G104 282 745 SH   SOLE 0 745 0 0
ALPHABET INC CAP STK CL A 02079K305 818 306 SH   SOLE 0 306 0 0
PHILLIPS 66 COM 718546104 1,671 23,862 SH   SOLE 0 23,862 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,335 27,030 SH   SOLE 0 27,030 0 0
ALPHABET INC CAP STK CL C 02079K107 5,728 2,149 SH   SOLE 0 2,136 0 13
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 12,713 207,023 SH   SOLE 0 199,761 0 7,262
HONEYWELL INTL INC COM 438516106 3,554 16,741 SH   SOLE 0 16,741 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 25,347 197,071 SH   SOLE 0 183,265 0 13,806
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 557 8,250 SH   SOLE 0 8,250 0 0
MORGAN STANLEY COM NEW 617446448 495 5,082 SH   SOLE 0 5,082 0 0
MEDTRONIC PLC SHS G5960L103 2,790 22,256 SH   SOLE 0 22,256 0 0
IMMUCELL CORP COM PAR 452525306 277 30,028 SH   SOLE 0 30,028 0 0
BLACKROCK INC COM 09247X101 4,463 5,321 SH   SOLE 0 5,321 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 22,961 419,226 SH   SOLE 0 411,676 0 7,550
LAM RESEARCH CORP COM 512807108 3,714 6,526 SH   SOLE 0 6,496 0 30
ISHARES TR MSCI USA MMENTM 46432F396 13,041 74,268 SH   SOLE 0 70,201 0 4,067
M & T BK CORP COM 55261F104 3,738 25,033 SH   SOLE 0 25,033 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 534 2,261 SH   SOLE 0 2,261 0 0
JOHNSON & JOHNSON COM 478160104 3,480 21,549 SH   SOLE 0 21,469 0 80
PPG INDS INC COM 693506107 253 1,767 SH   SOLE 0 1,767 0 0