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 |
ABBOTT LABS | COM | 002824100 | 414 | 3,808 | SH | SOLE | 0 | 3,108 | 0 | 700 | |
ABBVIE INC | COM | 00287Y109 | 736 | 4,804 | SH | SOLE | 0 | 4,250 | 0 | 554 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 4,051 | 1,852 | SH | SOLE | 0 | 1,832 | 0 | 20 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 813 | 373 | SH | SOLE | 0 | 358 | 0 | 15 | |
ALPS ETF TR | MED BREAKTHGH | 00162Q593 | 774 | 27,950 | SH | SOLE | 0 | 27,597 | 0 | 353 | |
ALTRIA GROUP INC | COM | 02209S103 | 290 | 6,937 | SH | SOLE | 0 | 6,937 | 0 | 0 | |
AMAZON COM INC | COM | 023135106 | 707 | 6,656 | SH | SOLE | 0 | 6,656 | 0 | 0 | |
AMPIO PHARMACEUTICALS INC | COM | 03209T109 | 2 | 10,000 | SH | SOLE | 0 | 10,000 | 0 | 0 | |
APPLE INC | COM | 037833100 | 11,788 | 86,220 | SH | SOLE | 0 | 83,841 | 0 | 2,379 | |
AT&T INC | COM | 00206R102 | 401 | 19,144 | SH | SOLE | 0 | 18,511 | 0 | 633 | |
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 147 | 700 | SH | OTR | 0 | 0 | 0 | 700 | |
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 576 | 2,740 | SH | SOLE | 0 | 2,740 | 0 | 0 | |
BECTON DICKINSON & CO | COM | 075887109 | 320 | 1,300 | SH | SOLE | 0 | 1,300 | 0 | 0 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 117 | 430 | SH | OTR | 0 | 0 | 0 | 430 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 970 | 3,553 | SH | SOLE | 0 | 3,553 | 0 | 0 | |
BERKSHIRE HILLS BANCORP INC | COM | 084680107 | 202 | 8,146 | SH | SOLE | 0 | 8,146 | 0 | 0 | |
BLACKROCK INC | COM | 09247X101 | 2,961 | 4,861 | SH | SOLE | 0 | 4,861 | 0 | 0 | |
BOOKING HOLDINGS INC | COM | 09857L108 | 2,671 | 1,527 | SH | SOLE | 0 | 1,507 | 0 | 20 | |
BRISTOL-MYERS SQUIBB CO | COM | 110122108 | 223 | 2,893 | SH | SOLE | 0 | 2,893 | 0 | 0 | |
CATERPILLAR INC | COM | 149123101 | 1,275 | 7,131 | SH | SOLE | 0 | 7,091 | 0 | 40 | |
CHEVRON CORP NEW | COM | 166764100 | 1,395 | 9,633 | SH | SOLE | 0 | 9,633 | 0 | 0 | |
CISCO SYS INC | COM | 17275R102 | 1,913 | 44,868 | SH | SOLE | 0 | 44,868 | 0 | 0 | |
COCA COLA CO | COM | 191216100 | 75 | 1,200 | SH | OTR | 0 | 0 | 0 | 1,200 | |
COCA COLA CO | COM | 191216100 | 473 | 7,519 | SH | SOLE | 0 | 7,519 | 0 | 0 | |
COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 | 2,104 | 31,170 | SH | SOLE | 0 | 31,070 | 0 | 100 | |
COLGATE PALMOLIVE CO | COM | 194162103 | 305 | 3,802 | SH | SOLE | 0 | 3,360 | 0 | 442 | |
COMCAST CORP NEW | CL A | 20030N101 | 257 | 6,545 | SH | SOLE | 0 | 6,545 | 0 | 0 | |
COMMUNITY BK SYS INC | COM | 203607106 | 698 | 11,032 | SH | SOLE | 0 | 11,032 | 0 | 0 | |
CONMED CORP | COM | 207410101 | 1,250 | 13,057 | SH | SOLE | 0 | 13,057 | 0 | 0 | |
COSTCO WHSL CORP NEW | COM | 22160K105 | 2,624 | 5,475 | SH | SOLE | 0 | 5,450 | 0 | 25 | |
CSX CORP | COM | 126408103 | 338 | 11,641 | SH | SOLE | 0 | 11,641 | 0 | 0 | |
CVS HEALTH CORP | COM | 126650100 | 2,135 | 23,040 | SH | SOLE | 0 | 23,040 | 0 | 0 | |
DEERE & CO | COM | 244199105 | 1,549 | 5,174 | SH | SOLE | 0 | 5,174 | 0 | 0 | |
DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | 431 | 10,714 | SH | SOLE | 0 | 10,714 | 0 | 0 | |
DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | 314 | 9,942 | SH | SOLE | 0 | 9,942 | 0 | 0 | |
DISNEY WALT CO | COM | 254687106 | 2,063 | 21,854 | SH | SOLE | 0 | 21,629 | 0 | 225 | |
DOLLAR TREE INC | COM | 256746108 | 3,161 | 20,285 | SH | SOLE | 0 | 20,210 | 0 | 75 | |
ELEVANCE HEALTH INC | COM | 036752103 | 2,573 | 5,331 | SH | SOLE | 0 | 5,331 | 0 | 0 | |
EXXON MOBIL CORP | COM | 30231G102 | 11 | 125 | SH | OTR | 0 | 0 | 0 | 125 | |
EXXON MOBIL CORP | COM | 30231G102 | 2,102 | 24,548 | SH | SOLE | 0 | 24,548 | 0 | 0 | |
GENERAC HLDGS INC | COM | 368736104 | 211 | 1,000 | SH | SOLE | 0 | 1,000 | 0 | 0 | |
GENERAL ELECTRIC CO | COM NEW | 369604301 | 11 | 170 | SH | OTR | 0 | 0 | 0 | 170 | |
GENERAL ELECTRIC CO | COM NEW | 369604301 | 233 | 3,666 | SH | SOLE | 0 | 3,666 | 0 | 0 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA EME | 381430206 | 1,751 | 58,852 | SH | SOLE | 0 | 55,136 | 0 | 3,716 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 | 23,862 | 859,256 | SH | SOLE | 0 | 835,729 | 0 | 23,527 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA US | 381430602 | 442 | 8,425 | SH | SOLE | 0 | 8,425 | 0 | 0 | |
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 278 | 935 | SH | SOLE | 0 | 935 | 0 | 0 | |
HERSHEY CO | COM | 427866108 | 268 | 1,244 | SH | SOLE | 0 | 1,244 | 0 | 0 | |
HOME DEPOT INC | COM | 437076102 | 246 | 897 | SH | SOLE | 0 | 897 | 0 | 0 | |
HONEYWELL INTL INC | COM | 438516106 | 2,558 | 14,718 | SH | SOLE | 0 | 14,518 | 0 | 200 | |
IDEXX LABS INC | COM | 45168D104 | 325 | 928 | SH | SOLE | 0 | 928 | 0 | 0 | |
ILLINOIS TOOL WKS INC | COM | 452308109 | 236 | 1,296 | SH | SOLE | 0 | 1,296 | 0 | 0 | |
IMMUCELL CORP | COM PAR | 452525306 | 269 | 31,000 | SH | SOLE | 0 | 31,000 | 0 | 0 | |
INTEL CORP | COM | 458140100 | 1,624 | 43,406 | SH | SOLE | 0 | 43,406 | 0 | 0 | |
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 741 | 5,250 | SH | SOLE | 0 | 5,170 | 0 | 80 | |
ISHARES INC | MSCI EMERG MKT | 46434G889 | 60,998 | 1,421,198 | SH | SOLE | 0 | 1,354,459 | 0 | 66,739 | |
ISHARES INC | CORE MSCI EMKT | 46434G103 | 445 | 9,080 | SH | SOLE | 0 | 9,080 | 0 | 0 | |
ISHARES TR | MSCI USA VALUE | 46432F388 | 11,382 | 125,744 | SH | SOLE | 0 | 118,510 | 0 | 7,234 | |
ISHARES TR | MSCI USA MMENTM | 46432F396 | 11,353 | 83,255 | SH | SOLE | 0 | 78,428 | 0 | 4,827 | |
ISHARES TR | INTL EQTY FACTOR | 46434V274 | 148,735 | 6,321,099 | SH | SOLE | 0 | 5,996,549 | 0 | 324,550 | |
ISHARES TR | JPMORGAN USD EMG | 464288281 | 2,919 | 34,209 | SH | SOLE | 0 | 32,956 | 0 | 1,253 | |
ISHARES TR | U S EQUITY FACTR | 46434V282 | 179,174 | 4,727,539 | SH | SOLE | 0 | 4,463,671 | 0 | 263,868 | |
ISHARES TR | MSCI USA SML CP | 46434V290 | 171,309 | 3,653,428 | SH | SOLE | 0 | 3,481,565 | 0 | 171,863 | |
ISHARES TR | INTRM GOV CR ETF | 464288612 | 109,048 | 1,033,140 | SH | SOLE | 0 | 1,003,509 | 0 | 29,631 | |
ISHARES TR | ISHS 1-5YR INVS | 464288646 | 11,013 | 217,862 | SH | SOLE | 0 | 215,154 | 0 | 2,708 | |
ISHARES TR | TIPS BD ETF | 464287176 | 21,585 | 189,494 | SH | SOLE | 0 | 184,262 | 0 | 5,232 | |
ISHARES TR | RUS 1000 GRW ETF | 464287614 | 2,783 | 12,724 | SH | SOLE | 0 | 11,969 | 0 | 755 | |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 504 | 2,973 | SH | SOLE | 0 | 2,973 | 0 | 0 | |
J P MORGAN EXCHANGE TRADED F | US MOMENTUM | 46641Q779 | 814 | 22,417 | SH | SOLE | 0 | 21,200 | 0 | 1,217 | |
JOHNSON & JOHNSON | COM | 478160104 | 71 | 400 | SH | OTR | 0 | 0 | 0 | 400 | |
JOHNSON & JOHNSON | COM | 478160104 | 3,814 | 21,486 | SH | SOLE | 0 | 21,441 | 0 | 45 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 3,867 | 34,340 | SH | SOLE | 0 | 33,853 | 0 | 487 | |
KLA CORP | COM NEW | 482480100 | 2,875 | 9,009 | SH | SOLE | 0 | 9,009 | 0 | 0 | |
LAM RESEARCH CORP | COM | 512807108 | 2,491 | 5,845 | SH | SOLE | 0 | 5,845 | 0 | 0 | |
M & T BK CORP | COM | 55261F104 | 3,797 | 23,820 | SH | SOLE | 0 | 23,820 | 0 | 0 | |
MCKESSON CORP | COM | 58155Q103 | 3,652 | 11,196 | SH | SOLE | 0 | 11,156 | 0 | 40 | |
MEDTRONIC PLC | SHS | G5960L103 | 1,871 | 20,851 | SH | SOLE | 0 | 20,851 | 0 | 0 | |
MERCK & CO INC | COM | 58933Y105 | 2,812 | 30,847 | SH | SOLE | 0 | 30,847 | 0 | 0 | |
META PLATFORMS INC | CL A | 30303M102 | 2,182 | 13,534 | SH | SOLE | 0 | 13,476 | 0 | 58 | |
MGM RESORTS INTERNATIONAL | COM | 552953101 | 310 | 10,724 | SH | SOLE | 0 | 10,724 | 0 | 0 | |
MICROSOFT CORP | COM | 594918104 | 5,010 | 19,508 | SH | SOLE | 0 | 18,908 | 0 | 600 | |
MONDELEZ INTL INC | CL A | 609207105 | 2,725 | 43,886 | SH | SOLE | 0 | 43,336 | 0 | 550 | |
MORGAN STANLEY | COM NEW | 617446448 | 400 | 5,255 | SH | SOLE | 0 | 5,255 | 0 | 0 | |
NBT BANCORP INC | COM | 628778102 | 273 | 7,274 | SH | SOLE | 0 | 7,274 | 0 | 0 | |
NEXTERA ENERGY INC | COM | 65339F101 | 3,721 | 48,040 | SH | SOLE | 0 | 48,040 | 0 | 0 | |
NIKE INC | CL B | 654106103 | 481 | 4,708 | SH | SOLE | 0 | 4,278 | 0 | 430 | |
NORWOOD FINL CORP | COM | 669549107 | 518 | 21,341 | SH | SOLE | 0 | 21,341 | 0 | 0 | |
NXP SEMICONDUCTORS N V | COM | N6596X109 | 2,755 | 18,609 | SH | SOLE | 0 | 18,234 | 0 | 375 | |
ORACLE CORP | COM | 68389X105 | 3,002 | 42,967 | SH | SOLE | 0 | 42,792 | 0 | 175 | |
PAYCHEX INC | COM | 704326107 | 182 | 1,600 | SH | OTR | 0 | 0 | 0 | 1,600 | |
PAYCHEX INC | COM | 704326107 | 80 | 701 | SH | SOLE | 0 | 701 | 0 | 0 | |
PEPSICO INC | COM | 713448108 | 3,551 | 21,307 | SH | SOLE | 0 | 21,307 | 0 | 0 | |
PFIZER INC | COM | 717081103 | 2,728 | 52,032 | SH | SOLE | 0 | 52,032 | 0 | 0 | |
PHILIP MORRIS INTL INC | COM | 718172109 | 585 | 5,926 | SH | SOLE | 0 | 5,926 | 0 | 0 | |
PHILLIPS 66 | COM | 718546104 | 1,665 | 20,310 | SH | SOLE | 0 | 20,310 | 0 | 0 | |
PPG INDS INC | COM | 693506107 | 202 | 1,767 | SH | SOLE | 0 | 1,767 | 0 | 0 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 1,034 | 7,188 | SH | SOLE | 0 | 7,188 | 0 | 0 | |
PRUDENTIAL FINL INC | COM | 744320102 | 1,157 | 12,091 | SH | SOLE | 0 | 12,031 | 0 | 60 | |
PUBLIC STORAGE | COM | 74460D109 | 577 | 1,845 | SH | SOLE | 0 | 1,845 | 0 | 0 | |
QUALCOMM INC | COM | 747525103 | 51 | 400 | SH | OTR | 0 | 0 | 0 | 400 | |
QUALCOMM INC | COM | 747525103 | 2,914 | 22,813 | SH | SOLE | 0 | 22,813 | 0 | 0 | |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 2,803 | 29,165 | SH | SOLE | 0 | 29,039 | 0 | 126 | |
SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | 207 | 9,800 | SH | SOLE | 0 | 9,800 | 0 | 0 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 77 | 1,978 | SH | OTR | 0 | 0 | 0 | 1,978 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 193 | 4,938 | SH | SOLE | 0 | 4,038 | 0 | 900 | |
SKYWORKS SOLUTIONS INC | COM | 83088M102 | 1,962 | 21,183 | SH | SOLE | 0 | 20,748 | 0 | 435 | |
SPDR GOLD TR | GOLD SHS | 78463V107 | 11,529 | 68,435 | SH | SOLE | 0 | 67,240 | 0 | 1,195 | |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 923 | 2,446 | SH | SOLE | 0 | 2,446 | 0 | 0 | |
SPDR SER TR | S&P BIOTECH | 78464A870 | 16,147 | 217,411 | SH | SOLE | 0 | 206,290 | 0 | 11,121 | |
SPDR SER TR | BLOOMBERG INVT | 78468R200 | 707 | 23,477 | SH | SOLE | 0 | 23,477 | 0 | 0 | |
TESLA INC | COM | 88160R101 | 1,620 | 2,406 | SH | SOLE | 0 | 2,406 | 0 | 0 | |
TJX COS INC NEW | COM | 872540109 | 1,927 | 34,508 | SH | SOLE | 0 | 34,340 | 0 | 168 | |
TOMPKINS FINL CORP | COM | 890110109 | 367 | 5,095 | SH | SOLE | 0 | 5,095 | 0 | 0 | |
ULTA BEAUTY INC | COM | 90384S303 | 3,159 | 8,194 | SH | SOLE | 0 | 8,169 | 0 | 25 | |
UNION PAC CORP | COM | 907818108 | 2,699 | 12,657 | SH | SOLE | 0 | 12,567 | 0 | 90 | |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 4,120 | 8,021 | SH | SOLE | 0 | 7,846 | 0 | 175 | |
US BANCORP DEL | COM NEW | 902973304 | 1,913 | 41,569 | SH | SOLE | 0 | 41,569 | 0 | 0 | |
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,491 | 7,907 | SH | SOLE | 0 | 7,907 | 0 | 0 | |
VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 397 | 2,261 | SH | SOLE | 0 | 2,261 | 0 | 0 | |
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 405 | 2,302 | SH | SOLE | 0 | 2,302 | 0 | 0 | |
VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 298 | 1,338 | SH | SOLE | 0 | 1,338 | 0 | 0 | |
VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 242 | 1,227 | SH | SOLE | 0 | 1,227 | 0 | 0 | |
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 321 | 6,429 | SH | SOLE | 0 | 6,429 | 0 | 0 | |
VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 232 | 5,575 | SH | SOLE | 0 | 5,575 | 0 | 0 | |
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 5,761 | 115,412 | SH | SOLE | 0 | 113,700 | 0 | 1,712 | |
VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | 597 | 8,725 | SH | SOLE | 0 | 8,725 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 136,756 | 1,793,291 | SH | SOLE | 0 | 1,736,315 | 0 | 56,976 | |
VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 13,178 | 223,886 | SH | SOLE | 0 | 219,782 | 0 | 4,104 | |
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 2,066 | 14,402 | SH | SOLE | 0 | 13,257 | 0 | 1,145 | |
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 981 | 19,000 | SH | SOLE | 0 | 19,000 | 0 | 0 | |
VANGUARD TAX-MANAGED INTL FD | VAN FTSE DEV MKT | 921943858 | 479 | 11,744 | SH | SOLE | 0 | 11,744 | 0 | 0 | |
VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 | 24,021 | 225,388 | SH | SOLE | 0 | 209,690 | 0 | 15,698 | |
VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | 16,159 | 263,610 | SH | SOLE | 0 | 257,819 | 0 | 5,791 | |
VENTAS INC | COM | 92276F100 | 1,731 | 33,663 | SH | SOLE | 0 | 33,663 | 0 | 0 | |
VERIZON COMMUNICATIONS INC | COM | 92343V104 | 1,277 | 25,156 | SH | SOLE | 0 | 24,725 | 0 | 431 | |
VISA INC | COM CL A | 92826C839 | 3,804 | 19,318 | SH | SOLE | 0 | 18,983 | 0 | 335 | |
WASTE MGMT INC DEL | COM | 94106L109 | 322 | 2,107 | SH | SOLE | 0 | 1,363 | 0 | 744 | |
WORLD GOLD TR | SPDR GLD MINIS | 98149E303 | 34,508 | 961,775 | SH | SOLE | 0 | 929,335 | 0 | 32,440 |