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
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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
ALLERGAN INC COM G077J1082 1,680 8,820 SH   SOLE   0 0 8,820
ALPHABET INC CLASS A COM 02079K305 5,314 4,402 SH   SOLE   0 0 4,402
ALTRIA GROUP INC COM 02209S103 4,333 71,846 SH   SOLE   0 0 71,846
AMAZON COM INC COM 023135106 18,295 9,134 SH   SOLE   0 0 9,134
APPLE INC COM 037833100 12,239 54,215 SH   SOLE   0 0 54,215
AT&T CORP NEW COM 00206R102 4,328 128,880 SH   SOLE   0 0 128,880
CHEVRON CORP COM 166764100 3,177 25,977 SH   SOLE   0 0 25,977
CISCO SYSTEMS INC COM 17275R102 288 5,916 SH   SOLE   0 0 5,916
COCA-COLA CO COM 191216100 521 11,290 SH   SOLE   0 0 11,290
CORNING INC COM 219350105 6,704 189,905 SH   SOLE   0 0 189,905
CVS CORP COM 126650100 5,302 67,358 SH   SOLE   0 0 67,358
DISCOVER FINANCIAL SVCS COM 254709108 3,674 48,061 SH   SOLE   0 0 48,061
ELMIRA SAVINGS BANK COM 289660102 2,845 139,480 SH   SOLE   0 0 139,480
EXXON MOBIL CORP COM 30231G102 3,126 36,766 SH   SOLE   0 0 36,766
FORTUNE BRANDS HOME & SECURITY COM 34964C106 3,087 58,957 SH   SOLE   0 0 58,957
GARMIN LTD COM H2906T109 2,778 39,657 SH   SOLE   0 0 39,657
GENERAL ELECTRIC CO COM 369604103 260 23,058 SH   SOLE   0 0 23,058
GOLDMAN SACHS GROUP INC COM 38141G104 3,160 14,091 SH   SOLE   0 0 14,091
INTEL CORP COM 458140100 5,119 108,247 SH   SOLE   0 0 108,247
INTL BUSINESS MACHINES COM 459200101 5,092 33,676 SH   SOLE   0 0 33,676
INTUITIVE SURGICAL COM 46120E602 6,943 12,095 SH   SOLE   0 0 12,095
J.P. MORGAN CHASE & CO COM 46625H100 3,972 35,200 SH   SOLE   0 0 35,200
JOHNSON & JOHNSON COM 478160104 344 2,490 SH   SOLE   0 0 2,490
KEYCORP INC COM 493267108 3,147 158,197 SH   SOLE   0 0 158,197
LABORATORY CORP OF AMERICAN HO COM 50540R409 2,685 15,460 SH   SOLE   0 0 15,460
LOWES COMPANIES INC COM 548661107 7,200 62,709 SH   SOLE   0 0 62,709
MEDTRONIC COM G5960L103 6,811 69,238 SH   SOLE   0 0 69,238
MERCK & CO INC COM 58933Y105 246 3,472 SH   SOLE   0 0 3,472
MICROSOFT CORP COM 594918104 1,047 9,153 SH   SOLE   0 0 9,153
MONDELEZ INTERNATIONAL INC COM 609207105 574 13,367 SH   SOLE   0 0 13,367
NORTHROP GRUMMAN CORP COM 666807102 6,672 21,024 SH   SOLE   0 0 21,024
PALO ALTO NETWORKS INC COM 697435105 2,723 12,090 SH   SOLE   0 0 12,090
PEPSICO INC COM 713448108 3,932 35,166 SH   SOLE   0 0 35,166
PHILIP MORRIS INTERNATIONAL IN COM 718172109 1,106 13,567 SH   SOLE   0 0 13,567
RIO TINTO PLC COM 767204100 5,167 101,272 SH   SOLE   0 0 101,272
SCHLUMBERGER LTD COM 806857108 3,766 61,825 SH   SOLE   0 0 61,825
TARGET CORP COM 87612E106 448 5,075 SH   SOLE   0 0 5,075
TRANSCANADA CORP COM 89353D107 3,652 90,270 SH   SOLE   0 0 90,270
UNION PACIFIC CORP COM 907818108 2,852 17,515 SH   SOLE   0 0 17,515
UNITED TECHNOLOGIES COM 913017109 3,254 23,275 SH   SOLE   0 0 23,275
VERIZON COMMUNICATIONS COM 92343V104 10,946 205,017 SH   SOLE   0 0 205,017
WALT DISNEY CO COM 254687106 286 2,449 SH   SOLE   0 0 2,449
XILINX INC COM 983919101 4,002 49,915 SH   SOLE   0 0 49,915
ZOETIS INC COM 98978v103 4,455 48,652 SH   SOLE   0 0 48,652
INVESCO KBW REGIONAL BANKING E COM 46138E578 3,198 57,299 SH   SOLE   0 0 57,299
INVESCO PREFERRED ETF COM 73936T565 356 24,850 SH   SOLE   0 0 24,850
INVESCO S&P 500 EQ WEIGHT HC COM 46137V332 497 2,413 SH   SOLE   0 0 2,413
ISHARES NASDAQ BIOTECH INDX COM 464287556 11,490 94,224 SH   SOLE   0 0 94,224
ISHARES S&P U.S. PREFERRED STO COM 464288687 2,512 67,653 SH   SOLE   0 0 67,653
SCHWAB INTERNATIONAL EQUITY COM 808524805 3,572 106,524 SH   SOLE   0 0 106,510
SCHWAB US LARGE-CAP COM 808524201 14,564 209,377 SH   SOLE   0 0 209,345
SCHWAB US SMALL-CAP COM 808524607 941 12,352 SH   SOLE   0 0 12,349
SECTOR SPDR ENERGY SELECT SHAR COM 81369Y506 276 3,650 SH   SOLE   0 0 3,650
SPDR S&P 500 ETF COM 78462F103 1,106 3,804 SH   SOLE   0 0 3,804
SPDR S&P 600 SMALL CAP VALUE E COM 78464A300 3,275 47,977 SH   SOLE   0 0 47,970
TECHNOLOGY SPDR COM 81369Y803 209 2,774 SH   SOLE   0 0 2,774
WISDOM TREE JAPAN HEDGED EQUIT COM 97717W851 3,204 55,285 SH   SOLE   0 0 55,285
INVESCO BULLETSHARES 2020 CORP COM 46138J502 2,082 98,790 SH   SOLE   0 0 98,783
INVESCO BULLETSHARES 2021 CORP COM 46138J700 1,772 85,444 SH   SOLE   0 0 85,440
PIMCO ETF TRUST COM 72201R783 2,245 22,313 SH   SOLE   0 0 22,311
SCHWAB US AGGREGATE BOND COM 808524839 264 5,261 SH   SOLE   0 0 5,261
SCHWAB US TIPS ETF COM 808524870 1,003 18,591 SH   SOLE   0 0 18,589
SPDR SERIES TRUST - NUVEEN BAR COM 78468R721 211 4,453 SH   SOLE   0 0 4,453
ISHARES TR COMEX GOLD COM 464285105 229 20,069 SH   SOLE   0 0 20,069