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
ABBOTT LABS COM 002824100 449 3,187 SH   SOLE 0 3,187 0 0
ABBVIE INC COM 00287Y109 575 4,248 SH   SOLE 0 4,248 0 0
ALPHABET INC CAP STK CL C 02079K107 5,796 2,003 SH   SOLE 0 1,993 0 10
ALPHABET INC CAP STK CL A 02079K305 944 326 SH   SOLE 0 326 0 0
ALPS ETF TR MED BREAKTHGH 00162Q593 639 15,124 SH   SOLE 0 14,923 0 201
ALTRIA GROUP INC COM 02209S103 329 6,937 SH   SOLE 0 6,937 0 0
AMAZON COM INC COM 023135106 947 284 SH   SOLE 0 281 0 3
AMPIO PHARMACEUTICALS INC COM 03209T109 6 10,000 SH   SOLE 0 10,000 0 0
ANTHEM INC COM 036752103 2,763 5,961 SH   SOLE 0 5,961 0 0
APPLE INC COM 037833100 15,720 88,528 SH   SOLE 0 88,528 0 0
AT&T INC COM 00206R102 449 18,269 SH   SOLE 0 18,269 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 836 3,390 SH   SOLE 0 3,315 0 75
BECTON DICKINSON & CO COM 075887109 327 1,300 SH   SOLE 0 1,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,062 3,553 SH   SOLE 0 3,553 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 232 8,146 SH   SOLE 0 8,146 0 0
BLACKROCK INC COM 09247X101 4,674 5,105 SH   SOLE 0 5,105 0 0
BOOKING HOLDINGS INC COM 09857L108 3,916 1,632 SH   SOLE 0 1,626 0 6
CATERPILLAR INC COM 149123101 1,520 7,353 SH   SOLE 0 7,313 0 40
CHEVRON CORP NEW COM 166764100 1,243 10,593 SH   SOLE 0 10,593 0 0
CISCO SYS INC COM 17275R102 2,985 47,103 SH   SOLE 0 47,103 0 0
COCA COLA CO COM 191216100 303 5,119 SH   SOLE 0 5,119 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,904 32,736 SH   SOLE 0 32,636 0 100
COLGATE PALMOLIVE CO COM 194162103 295 3,460 SH   SOLE 0 3,460 0 0
COMCAST CORP NEW CL A 20030N101 337 6,690 SH   SOLE 0 6,690 0 0
COMMUNITY BK SYS INC COM 203607106 822 11,032 SH   SOLE 0 11,032 0 0
CONMED CORP COM 207410101 1,882 13,277 SH   SOLE 0 13,277 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,331 5,868 SH   SOLE 0 5,843 0 25
CSX CORP COM 126408103 438 11,641 SH   SOLE 0 11,641 0 0
CVS HEALTH CORP COM 126650100 2,458 23,830 SH   SOLE 0 23,830 0 0
DANAHER CORPORATION COM 235851102 222 674 SH   SOLE 0 674 0 0
DEERE & CO COM 244199105 1,832 5,344 SH   SOLE 0 5,344 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 509 10,714 SH   SOLE 0 10,714 0 0
DISNEY WALT CO COM 254687106 3,412 22,029 SH   SOLE 0 21,814 0 215
DOLLAR TREE INC COM 256746108 3,434 24,440 SH   SOLE 0 24,335 0 105
EDWARDS LIFESCIENCES CORP COM 28176E108 230 1,773 SH   SOLE 0 1,773 0 0
EXXON MOBIL CORP COM 30231G102 1,639 26,784 SH   SOLE 0 26,784 0 0
GENERAC HLDGS INC COM 368736104 352 1,000 SH   SOLE 0 1,000 0 0
GENERAL ELECTRIC CO COM NEW 369604301 360 3,810 SH   SOLE 0 3,810 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 25,821 732,087 SH   SOLE 0 719,456 0 12,631
GOLDMAN SACHS GROUP INC COM 38141G104 285 745 SH   SOLE 0 745 0 0
HERSHEY CO COM 427866108 241 1,244 SH   SOLE 0 1,244 0 0
HOME DEPOT INC COM 437076102 372 897 SH   SOLE 0 897 0 0
HONEYWELL INTL INC COM 438516106 3,380 16,208 SH   SOLE 0 16,208 0 0
IDEXX LABS INC COM 45168D104 611 928 SH   SOLE 0 928 0 0
ILLINOIS TOOL WKS INC COM 452308109 320 1,296 SH   SOLE 0 1,296 0 0
IMMUCELL CORP COM PAR 452525306 240 30,028 SH   SOLE 0 30,028 0 0
INTEL CORP COM 458140100 2,821 54,785 SH   SOLE 0 54,785 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 707 5,287 SH   SOLE 0 5,287 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 203 564 SH   SOLE 0 564 0 0
ISHARES INC MSCI EMERG MKT 46434G889 69,951 1,368,110 SH   SOLE 0 1,313,103 0 55,007
ISHARES INC CORE MSCI EMKT 46434G103 826 13,795 SH   SOLE 0 13,795 0 0
ISHARES TR MSCI USA VALUE 46432F388 13,738 125,492 SH   SOLE 0 118,642 0 6,850
ISHARES TR MSCI USA MMENTM 46432F396 13,684 75,260 SH   SOLE 0 71,529 0 3,731
ISHARES TR MSCI INTL MULTFT 46434V274 161,635 5,608,423 SH   SOLE 0 5,352,194 0 256,229
ISHARES TR MSCI USA MULTIFT 46434V282 205,243 4,408,150 SH   SOLE 0 4,183,851 0 224,299
ISHARES TR MSCI USA SML CP 46434V290 197,337 3,446,932 SH   SOLE 0 3,308,023 0 138,909
ISHARES TR INTRM GOV CR ETF 464288612 102,374 899,995 SH   SOLE 0 874,366 0 25,629
ISHARES TR ISHS 1-5YR INVS 464288646 8,249 153,104 SH   SOLE 0 150,794 0 2,310
ISHARES TR JPMORGAN USD EMG 464288281 7,612 69,801 SH   SOLE 0 69,072 0 729
ISHARES TR EXPND TEC SC ETF 464287549 743 1,693 SH   SOLE 0 1,648 0 45
ISHARES TR RUS 1000 GRW ETF 464287614 5,417 17,725 SH   SOLE 0 17,725 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 621 2,792 SH   SOLE 0 2,792 0 0
ISHARES TR TIPS BD ETF 464287176 35,758 276,767 SH   SOLE 0 270,525 0 6,242
JOHNSON & JOHNSON COM 478160104 3,785 22,123 SH   SOLE 0 22,078 0 45
JPMORGAN CHASE & CO COM 46625H100 5,658 35,728 SH   SOLE 0 35,728 0 0
KLA CORP COM NEW 482480100 4,425 10,289 SH   SOLE 0 10,289 0 0
LAM RESEARCH CORP COM 512807108 4,509 6,270 SH   SOLE 0 6,270 0 0
M & T BK CORP COM 55261F104 3,773 24,565 SH   SOLE 0 24,565 0 0
MCKESSON CORP COM 58155Q103 3,803 15,301 SH   SOLE 0 15,221 0 80
MEDTRONIC PLC SHS G5960L103 2,264 21,886 SH   SOLE 0 21,886 0 0
MERCK & CO INC COM 58933Y105 2,652 34,598 SH   SOLE 0 34,598 0 0
META PLATFORMS INC CL A 30303M102 4,716 14,021 SH   SOLE 0 13,966 0 55
MICROSOFT CORP COM 594918104 7,129 21,196 SH   SOLE 0 21,161 0 35
MONDELEZ INTL INC CL A 609207105 3,039 45,831 SH   SOLE 0 45,706 0 125
MORGAN STANLEY COM NEW 617446448 499 5,082 SH   SOLE 0 5,082 0 0
NBT BANCORP INC COM 628778102 271 7,024 SH   SOLE 0 7,024 0 0
NETFLIX INC COM 64110L106 206 342 SH   SOLE 0 342 0 0
NEXTERA ENERGY INC COM 65339F101 5,131 54,959 SH   SOLE 0 54,959 0 0
NIKE INC CL B 654106103 807 4,843 SH   SOLE 0 4,843 0 0
NORFOLK SOUTHN CORP COM 655844108 232 780 SH   SOLE 0 780 0 0
NORWOOD FINL CORP COM 669549107 685 26,341 SH   SOLE 0 26,341 0 0
NVIDIA CORPORATION COM 67066G104 285 968 SH   SOLE 0 968 0 0
NXP SEMICONDUCTORS N V COM N6596X109 4,552 19,984 SH   SOLE 0 19,904 0 80
ORACLE CORP COM 68389X105 3,980 45,642 SH   SOLE 0 45,432 0 210
PEPSICO INC COM 713448108 4,002 23,036 SH   SOLE 0 23,036 0 0
PFIZER INC COM 717081103 3,430 58,094 SH   SOLE 0 58,094 0 0
PHILIP MORRIS INTL INC COM 718172109 605 6,369 SH   SOLE 0 6,369 0 0
PHILLIPS 66 COM 718546104 1,588 21,921 SH   SOLE 0 21,921 0 0
PPG INDS INC COM 693506107 305 1,767 SH   SOLE 0 1,767 0 0
PROCTER AND GAMBLE CO COM 742718109 1,275 7,795 SH   SOLE 0 7,795 0 0
PRUDENTIAL FINL INC COM 744320102 1,389 12,833 SH   SOLE 0 12,773 0 60
PUBLIC STORAGE COM 74460D109 691 1,845 SH   SOLE 0 1,845 0 0
QUALCOMM INC COM 747525103 4,552 24,891 SH   SOLE 0 24,891 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,804 32,586 SH   SOLE 0 32,405 0 181
SCHWAB STRATEGIC TR US REIT ETF 808524847 258 4,900 SH   SOLE 0 4,900 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 207 2,019 SH   SOLE 0 2,019 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 3,445 22,205 SH   SOLE 0 22,105 0 100
SPDR GOLD TR GOLD SHS 78463V107 12,478 72,990 SH   SOLE 0 72,403 0 587
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,029 2,167 SH   SOLE 0 2,167 0 0
SPDR SER TR S&P BIOTECH 78464A870 16,304 145,624 SH   SOLE 0 139,433 0 6,191
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,291 26,255 SH   SOLE 0 26,255 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 205 3,665 SH   SOLE 0 3,665 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 1,251 40,887 SH   SOLE 0 40,887 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 248 8,000 SH   SOLE 0 8,000 0 0
TESLA INC COM 88160R101 2,301 2,177 SH   SOLE 0 2,177 0 0
TJX COS INC NEW COM 872540109 2,762 36,380 SH   SOLE 0 36,380 0 0
TOMPKINS FINL CORP COM 890110109 426 5,095 SH   SOLE 0 5,095 0 0
ULTA BEAUTY INC COM 90384S303 4,088 9,915 SH   SOLE 0 9,865 0 50
UNION PAC CORP COM 907818108 3,415 13,555 SH   SOLE 0 13,505 0 50
UNITEDHEALTH GROUP INC COM 91324P102 5,121 10,199 SH   SOLE 0 10,199 0 0
US BANCORP DEL COM NEW 902973304 2,599 46,265 SH   SOLE 0 46,265 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,957 8,104 SH   SOLE 0 8,104 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 576 2,261 SH   SOLE 0 2,261 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 523 2,314 SH   SOLE 0 2,314 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 447 1,392 SH   SOLE 0 1,392 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 349 1,238 SH   SOLE 0 1,238 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 406 6,629 SH   SOLE 0 6,629 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 22,955 418,046 SH   SOLE 0 411,046 0 7,000
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 718 8,000 SH   SOLE 0 8,000 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 127,345 1,567,125 SH   SOLE 0 1,529,632 0 37,493
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 265 2,500 SH   SOLE 0 2,500 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 12,043 181,185 SH   SOLE 0 179,815 0 1,370
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 15,270 251,032 SH   SOLE 0 243,866 0 7,166
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,102 18,062 SH   SOLE 0 18,062 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,105 17,375 SH   SOLE 0 17,375 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 602 11,787 SH   SOLE 0 11,787 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 26,886 201,924 SH   SOLE 0 189,398 0 12,526
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 14,756 190,013 SH   SOLE 0 184,842 0 5,171
VENTAS INC COM 92276F100 1,845 36,095 SH   SOLE 0 36,095 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,468 28,249 SH   SOLE 0 28,249 0 0
VISA INC COM CL A 92826C839 4,617 21,304 SH   SOLE 0 21,174 0 130
WASTE MGMT INC DEL COM 94106L109 227 1,363 SH   SOLE 0 1,363 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 37,474 2,061,274 SH   SOLE 0 1,983,419 0 77,855