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
3M CO COM 88579Y101 220 1,480 SH   SOLE 0 1,480 0 0
ABBOTT LABS COM 002824100 377 3,187 SH   SOLE 0 3,187 0 0
ABBVIE INC COM 00287Y109 689 4,250 SH   SOLE 0 4,250 0 0
ALPHABET INC CAP STK CL C 02079K107 5,379 1,926 SH   SOLE 0 1,901 0 25
ALPHABET INC CAP STK CL A 02079K305 1,051 378 SH   SOLE 0 363 0 15
ALPS ETF TR MED BREAKTHGH 00162Q593 1,250 37,153 SH   SOLE 0 36,635 0 518
ALTRIA GROUP INC COM 02209S103 362 6,937 SH   SOLE 0 6,937 0 0
AMAZON COM INC COM 023135106 1,076 330 SH   SOLE 0 327 0 3
AMPIO PHARMACEUTICALS INC COM 03209T109 5 10,000 SH   SOLE 0 10,000 0 0
ANTHEM INC COM 036752103 2,864 5,831 SH   SOLE 0 5,831 0 0
APPLE INC COM 037833100 15,429 88,363 SH   SOLE 0 87,882 0 481
AT&T INC COM 00206R102 432 18,266 SH   SOLE 0 18,266 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 914 4,015 SH   SOLE 0 4,015 0 0
BECTON DICKINSON & CO COM 075887109 346 1,300 SH   SOLE 0 1,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,406 3,983 SH   SOLE 0 3,983 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 236 8,146 SH   SOLE 0 8,146 0 0
BLACKROCK INC COM 09247X101 3,857 5,047 SH   SOLE 0 5,047 0 0
BOOKING HOLDINGS INC COM 09857L108 3,732 1,589 SH   SOLE 0 1,568 0 21
BRISTOL-MYERS SQUIBB CO COM 110122108 220 3,012 SH   SOLE 0 3,012 0 0
CATERPILLAR INC COM 149123101 1,612 7,236 SH   SOLE 0 7,196 0 40
CHEVRON CORP NEW COM 166764100 1,744 10,708 SH   SOLE 0 10,708 0 0
CISCO SYS INC COM 17275R102 2,547 45,673 SH   SOLE 0 45,673 0 0
COCA COLA CO COM 191216100 392 6,319 SH   SOLE 0 6,319 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,888 32,206 SH   SOLE 0 32,106 0 100
COLGATE PALMOLIVE CO COM 194162103 270 3,560 SH   SOLE 0 3,560 0 0
COMCAST CORP NEW CL A 20030N101 298 6,365 SH   SOLE 0 6,365 0 0
COMMUNITY BK SYS INC COM 203607106 774 11,032 SH   SOLE 0 11,032 0 0
CONMED CORP COM 207410101 1,940 13,057 SH   SOLE 0 13,057 0 0
CONOCOPHILLIPS COM 20825C104 222 2,218 SH   SOLE 0 2,218 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,310 5,748 SH   SOLE 0 5,723 0 25
CSX CORP COM 126408103 436 11,641 SH   SOLE 0 11,641 0 0
CVS HEALTH CORP COM 126650100 2,432 24,029 SH   SOLE 0 24,029 0 0
DANAHER CORPORATION COM 235851102 203 693 SH   SOLE 0 693 0 0
DEERE & CO COM 244199105 2,199 5,294 SH   SOLE 0 5,294 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 499 10,714 SH   SOLE 0 10,714 0 0
DISNEY WALT CO COM 254687106 3,027 22,069 SH   SOLE 0 21,844 0 225
DOLLAR TREE INC COM 256746108 3,687 23,025 SH   SOLE 0 22,925 0 100
EDWARDS LIFESCIENCES CORP COM 28176E108 206 1,748 SH   SOLE 0 1,748 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 215 8,312 SH   SOLE 0 8,312 0 0
EXXON MOBIL CORP COM 30231G102 2,116 25,622 SH   SOLE 0 25,622 0 0
GENERAC HLDGS INC COM 368736104 297 1,000 SH   SOLE 0 1,000 0 0
GENERAL ELECTRIC CO COM NEW 369604301 364 3,980 SH   SOLE 0 3,980 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 29,789 910,155 SH   SOLE 0 883,408 0 26,747
GOLDMAN SACHS GROUP INC COM 38141G104 343 1,038 SH   SOLE 0 1,038 0 0
HERSHEY CO COM 427866108 269 1,244 SH   SOLE 0 1,244 0 0
HOME DEPOT INC COM 437076102 268 897 SH   SOLE 0 897 0 0
HONEYWELL INTL INC COM 438516106 3,047 15,659 SH   SOLE 0 15,659 0 0
IDEXX LABS INC COM 45168D104 508 928 SH   SOLE 0 928 0 0
ILLINOIS TOOL WKS INC COM 452308109 271 1,296 SH   SOLE 0 1,296 0 0
IMMUCELL CORP COM PAR 452525306 299 31,000 SH   SOLE 0 31,000 0 0
INTEL CORP COM 458140100 2,480 50,039 SH   SOLE 0 50,039 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 720 5,539 SH   SOLE 0 5,459 0 80
INTUITIVE SURGICAL INC COM NEW 46120E602 230 764 SH   SOLE 0 764 0 0
ISHARES INC MSCI EMERG MKT 46434G889 69,222 1,430,508 SH   SOLE 0 1,364,296 0 66,212
ISHARES INC CORE MSCI EMKT 46434G103 827 14,893 SH   SOLE 0 14,893 0 0
ISHARES TR MSCI USA MMENTM 46432F396 13,339 79,273 SH   SOLE 0 74,729 0 4,544
ISHARES TR MSCI INTL MULTFT 46434V274 161,472 5,835,638 SH   SOLE 0 5,537,576 0 298,062
ISHARES TR MSCI USA MULTIFT 46434V282 204,111 4,588,824 SH   SOLE 0 4,330,459 0 258,365
ISHARES TR MSCI USA SML CP 46434V290 195,333 3,579,498 SH   SOLE 0 3,412,946 0 166,552
ISHARES TR MSCI USA VALUE 46432F388 13,704 131,048 SH   SOLE 0 120,944 0 10,104
ISHARES TR INTRM GOV CR ETF 464288612 108,624 1,000,866 SH   SOLE 0 971,880 0 28,986
ISHARES TR NATIONAL MUN ETF 464288414 7,527 68,654 SH   SOLE 0 66,860 0 1,794
ISHARES TR JPMORGAN USD EMG 464288281 6,294 64,385 SH   SOLE 0 61,891 0 2,494
ISHARES TR TIPS BD ETF 464287176 33,052 265,327 SH   SOLE 0 258,392 0 6,935
ISHARES TR EXPND TEC SC ETF 464287549 265 681 SH   SOLE 0 636 0 45
ISHARES TR CORE S&P500 ETF 464287200 263 580 SH   SOLE 0 580 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,571 16,466 SH   SOLE 0 15,216 0 1,250
ISHARES TR RUSSELL 2000 ETF 464287655 611 2,975 SH   SOLE 0 2,975 0 0
J P MORGAN EXCHANGE-TRADED F US MOMENTUM 46641Q779 235 5,332 SH   SOLE 0 4,475 0 857
JOHNSON & JOHNSON COM 478160104 4,059 22,903 SH   SOLE 0 22,858 0 45
JPMORGAN CHASE & CO COM 46625H100 4,798 35,193 SH   SOLE 0 35,193 0 0
KLA CORP COM NEW 482480100 3,534 9,654 SH   SOLE 0 9,654 0 0
LAM RESEARCH CORP COM 512807108 3,250 6,045 SH   SOLE 0 6,045 0 0
M & T BK CORP COM 55261F104 4,178 24,649 SH   SOLE 0 24,649 0 0
MCKESSON CORP COM 58155Q103 4,154 13,571 SH   SOLE 0 13,506 0 65
MEDTRONIC PLC SHS G5960L103 2,369 21,356 SH   SOLE 0 21,356 0 0
MERCK & CO INC COM 58933Y105 2,760 33,632 SH   SOLE 0 33,632 0 0
META PLATFORMS INC CL A 30303M102 3,063 13,776 SH   SOLE 0 13,718 0 58
MGM RESORTS INTERNATIONAL COM 552953101 458 10,930 SH   SOLE 0 10,930 0 0
MICROSOFT CORP COM 594918104 6,266 20,324 SH   SOLE 0 20,289 0 35
MONDELEZ INTL INC CL A 609207105 2,848 45,364 SH   SOLE 0 44,814 0 550
MORGAN STANLEY COM NEW 617446448 459 5,255 SH   SOLE 0 5,255 0 0
NBT BANCORP INC COM 628778102 264 7,311 SH   SOLE 0 7,311 0 0
NEXTERA ENERGY INC COM 65339F101 4,427 52,260 SH   SOLE 0 52,260 0 0
NIKE INC CL B 654106103 634 4,708 SH   SOLE 0 4,278 0 430
NORFOLK SOUTHN CORP COM 655844108 222 780 SH   SOLE 0 780 0 0
NORWOOD FINL CORP COM 669549107 624 21,824 SH   SOLE 0 21,824 0 0
NVIDIA CORPORATION COM 67066G104 346 1,268 SH   SOLE 0 1,268 0 0
NXP SEMICONDUCTORS N V COM N6596X109 3,601 19,459 SH   SOLE 0 19,074 0 385
ORACLE CORP COM 68389X105 3,683 44,517 SH   SOLE 0 44,317 0 200
PAYCHEX INC COM 704326107 321 2,349 SH   SOLE 0 2,349 0 0
PEPSICO INC COM 713448108 3,838 22,932 SH   SOLE 0 22,932 0 0
PFIZER INC COM 717081103 3,264 63,039 SH   SOLE 0 63,039 0 0
PHILIP MORRIS INTL INC COM 718172109 582 6,191 SH   SOLE 0 6,191 0 0
PHILLIPS 66 COM 718546104 1,836 21,258 SH   SOLE 0 21,258 0 0
PPG INDS INC COM 693506107 232 1,767 SH   SOLE 0 1,767 0 0
PROCTER AND GAMBLE CO COM 742718109 1,180 7,720 SH   SOLE 0 7,720 0 0
PRUDENTIAL FINL INC COM 744320102 1,479 12,513 SH   SOLE 0 12,453 0 60
PUBLIC STORAGE COM 74460D109 720 1,845 SH   SOLE 0 1,845 0 0
QUALCOMM INC COM 747525103 3,680 24,078 SH   SOLE 0 24,078 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,071 31,000 SH   SOLE 0 30,829 0 171
SCHWAB STRATEGIC TR US REIT ETF 808524847 244 9,800 SH   SOLE 0 9,800 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 285 6,016 SH   SOLE 0 6,016 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,927 21,960 SH   SOLE 0 21,525 0 435
SPDR GOLD TR GOLD SHS 78463V107 12,752 70,590 SH   SOLE 0 69,333 0 1,257
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,427 3,159 SH   SOLE 0 3,159 0 0
SPDR SER TR S&P BIOTECH 78464A870 15,707 174,753 SH   SOLE 0 166,100 0 8,653
SPDR SER TR BLOOMBERG INVT 78468R200 1,042 34,191 SH   SOLE 0 34,191 0 0
TESLA INC COM 88160R101 2,454 2,277 SH   SOLE 0 2,277 0 0
TJX COS INC NEW COM 872540109 2,136 35,265 SH   SOLE 0 35,265 0 0
TOMPKINS FINL CORP COM 890110109 399 5,095 SH   SOLE 0 5,095 0 0
ULTA BEAUTY INC COM 90384S303 3,749 9,414 SH   SOLE 0 9,369 0 45
UNION PAC CORP COM 907818108 3,584 13,119 SH   SOLE 0 13,029 0 90
UNITEDHEALTH GROUP INC COM 91324P102 4,729 9,273 SH   SOLE 0 9,098 0 175
US BANCORP DEL COM NEW 902973304 2,345 44,121 SH   SOLE 0 44,121 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,995 24,360 SH   SOLE 0 24,360 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 504 2,261 SH   SOLE 0 2,261 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 227 1,290 SH   SOLE 0 1,290 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 489 2,302 SH   SOLE 0 2,302 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 399 1,388 SH   SOLE 0 1,388 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 307 1,238 SH   SOLE 0 1,238 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,814 7,967 SH   SOLE 0 7,967 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 382 6,629 SH   SOLE 0 6,629 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 450 8,725 SH   SOLE 0 8,725 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 663 8,000 SH   SOLE 0 8,000 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 240 3,820 SH   SOLE 0 3,820 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 15,137 255,428 SH   SOLE 0 250,433 0 4,995
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 146,585 1,877,134 SH   SOLE 0 1,821,324 0 55,810
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,747 16,943 SH   SOLE 0 15,643 0 1,300
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,270 21,262 SH   SOLE 0 21,262 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 637 13,264 SH   SOLE 0 13,264 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 27,259 215,642 SH   SOLE 0 200,539 0 15,103
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 14,855 212,637 SH   SOLE 0 208,082 0 4,555
VENTAS INC COM 92276F100 2,167 35,093 SH   SOLE 0 35,093 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,358 26,655 SH   SOLE 0 26,655 0 0
VISA INC COM CL A 92826C839 4,598 20,735 SH   SOLE 0 20,385 0 350
WASTE MGMT INC DEL COM 94106L109 216 1,363 SH   SOLE 0 1,363 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 38,030 988,573 SH   SOLE 0 955,778 0 32,795