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 | FIGI | (to the nearest dollar) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
ABBOTT LABS | COM | 002824100 | 397,699 | 3,928 | SH | SOLE | 0 | 3,228 | 0 | 700 | ||
ABBVIE INC | COM | 00287Y109 | 722,105 | 4,531 | SH | SOLE | 0 | 3,977 | 0 | 554 | ||
ALPHABET INC | CAP STK CL C | 02079K107 | 3,562,208 | 34,252 | SH | SOLE | 0 | 33,952 | 0 | 300 | ||
ALPHABET INC | CAP STK CL A | 02079K305 | 840,213 | 8,100 | SH | SOLE | 0 | 7,800 | 0 | 300 | ||
ALPS ETF TR | MED BREAKTHGH | 00162Q593 | 1,509,751 | 55,537 | SH | SOLE | 0 | 55,005 | 0 | 532 | ||
AMAZON COM INC | COM | 023135106 | 731,603 | 7,083 | SH | SOLE | 0 | 7,083 | 0 | 0 | ||
APPLE INC | COM | 037833100 | 13,371,542 | 81,089 | SH | SOLE | 0 | 78,866 | 0 | 2,223 | ||
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 155,841 | 700 | SH | OTR | 0 | 0 | 0 | 700 | ||
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 577,725 | 2,595 | SH | SOLE | 0 | 2,595 | 0 | 0 | ||
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 132,771 | 430 | SH | OTR | 0 | 0 | 0 | 430 | ||
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 1,194,631 | 3,869 | SH | SOLE | 0 | 3,869 | 0 | 0 | ||
BLACKROCK INC | COM | 09247X101 | 2,633,656 | 3,936 | SH | SOLE | 0 | 3,936 | 0 | 0 | ||
BOOKING HOLDINGS INC | COM | 09857L108 | 1,421,692 | 536 | SH | SOLE | 0 | 536 | 0 | 0 | ||
BRISTOL-MYERS SQUIBB CO | COM | 110122108 | 210,009 | 3,030 | SH | SOLE | 0 | 3,030 | 0 | 0 | ||
CHEVRON CORP NEW | COM | 166764100 | 835,869 | 5,123 | SH | SOLE | 0 | 5,123 | 0 | 0 | ||
CISCO SYS INC | COM | 17275R102 | 1,867,995 | 35,734 | SH | SOLE | 0 | 35,734 | 0 | 0 | ||
COCA COLA CO | COM | 191216100 | 460,201 | 7,419 | SH | SOLE | 0 | 7,419 | 0 | 0 | ||
COCA COLA CO | COM | 191216100 | 74,436 | 1,200 | SH | OTR | 0 | 0 | 0 | 1,200 | ||
COLGATE PALMOLIVE CO | COM | 194162103 | 236,873 | 3,152 | SH | SOLE | 0 | 2,710 | 0 | 442 | ||
COMMUNITY BK SYS INC | COM | 203607106 | 579,070 | 11,032 | SH | SOLE | 0 | 11,032 | 0 | 0 | ||
CONMED CORP | COM | 207410101 | 1,356,100 | 13,057 | SH | SOLE | 0 | 13,057 | 0 | 0 | ||
CONOCOPHILLIPS | COM | 20825C104 | 214,194 | 2,159 | SH | SOLE | 0 | 2,159 | 0 | 0 | ||
COSTCO WHSL CORP NEW | COM | 22160K105 | 1,858,791 | 3,741 | SH | SOLE | 0 | 3,741 | 0 | 0 | ||
CSX CORP | COM | 126408103 | 347,035 | 11,591 | SH | SOLE | 0 | 11,591 | 0 | 0 | ||
CVS HEALTH CORP | COM | 126650100 | 1,171,571 | 15,766 | SH | SOLE | 0 | 15,766 | 0 | 0 | ||
DANAHER CORPORATION | COM | 235851102 | 221,795 | 880 | SH | SOLE | 0 | 880 | 0 | 0 | ||
DEERE & CO | COM | 244199105 | 1,721,710 | 4,170 | SH | SOLE | 0 | 4,170 | 0 | 0 | ||
DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | 23,500,440 | 729,148 | SH | SOLE | 0 | 699,154 | 0 | 29,994 | ||
DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | 476,773 | 10,714 | SH | SOLE | 0 | 10,714 | 0 | 0 | ||
DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | 332,858 | 9,942 | SH | SOLE | 0 | 9,942 | 0 | 0 | ||
DISNEY WALT CO | COM | 254687106 | 1,653,299 | 16,512 | SH | SOLE | 0 | 16,502 | 0 | 10 | ||
DOLLAR TREE INC | COM | 256746108 | 1,607,760 | 11,200 | SH | SOLE | 0 | 11,200 | 0 | 0 | ||
ELEVANCE HEALTH INC | COM | 036752103 | 2,064,547 | 4,490 | SH | SOLE | 0 | 4,490 | 0 | 0 | ||
EXXON MOBIL CORP | COM | 30231G102 | 13,708 | 125 | SH | OTR | 0 | 0 | 0 | 125 | ||
EXXON MOBIL CORP | COM | 30231G102 | 2,585,874 | 23,581 | SH | SOLE | 0 | 23,581 | 0 | 0 | ||
GENERAL ELECTRIC CO | COM NEW | 369604301 | 16,252 | 170 | SH | OTR | 0 | 0 | 0 | 170 | ||
GENERAL ELECTRIC CO | COM NEW | 369604301 | 343,402 | 3,592 | SH | SOLE | 0 | 3,592 | 0 | 0 | ||
GOLDMAN SACHS ETF TR | ACTIVEBETA US | 381430602 | 4,482,988 | 80,760 | SH | SOLE | 0 | 69,966 | 0 | 10,794 | ||
GOLDMAN SACHS ETF TR | ACTIVEBETA EME | 381430206 | 8,140,964 | 273,462 | SH | SOLE | 0 | 262,498 | 0 | 10,964 | ||
GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 | 9,741,202 | 119,936 | SH | SOLE | 0 | 115,924 | 0 | 4,012 | ||
GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 | 33,033,804 | 1,072,178 | SH | SOLE | 0 | 1,021,977 | 0 | 50,201 | ||
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 348,372 | 1,065 | SH | SOLE | 0 | 1,065 | 0 | 0 | ||
HERSHEY CO | COM | 427866108 | 316,486 | 1,244 | SH | SOLE | 0 | 1,244 | 0 | 0 | ||
HOME DEPOT INC | COM | 437076102 | 302,498 | 1,025 | SH | SOLE | 0 | 1,025 | 0 | 0 | ||
HONEYWELL INTL INC | COM | 438516106 | 2,118,003 | 11,082 | SH | SOLE | 0 | 10,882 | 0 | 200 | ||
IDEXX LABS INC | COM | 45168D104 | 464,074 | 928 | SH | SOLE | 0 | 928 | 0 | 0 | ||
ILLINOIS TOOL WKS INC | COM | 452308109 | 315,511 | 1,296 | SH | SOLE | 0 | 1,296 | 0 | 0 | ||
IMMUCELL CORP | COM PAR | 452525306 | 159,650 | 31,000 | SH | SOLE | 0 | 31,000 | 0 | 0 | ||
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 733,253 | 5,594 | SH | SOLE | 0 | 5,514 | 0 | 80 | ||
ISHARES INC | EMNG MKTS EQT | 46434G889 | 61,281,818 | 1,475,959 | SH | SOLE | 0 | 1,411,789 | 0 | 64,170 | ||
ISHARES INC | CORE MSCI EMKT | 46434G103 | 443,013 | 9,080 | SH | SOLE | 0 | 9,080 | 0 | 0 | ||
ISHARES TR | CORE S&P US VLU | 464287663 | 664,536 | 9,007 | SH | SOLE | 0 | 8,494 | 0 | 513 | ||
ISHARES TR | US SML CAP EQT | 46434V290 | 195,854,530 | 3,820,806 | SH | SOLE | 0 | 3,665,806 | 0 | 155,000 | ||
ISHARES TR | U S EQUITY FACTR | 46434V282 | 189,522,517 | 4,573,420 | SH | SOLE | 0 | 4,348,011 | 0 | 225,409 | ||
ISHARES TR | INTL EQTY FACTOR | 46434V274 | 164,583,800 | 6,213,054 | SH | SOLE | 0 | 5,954,930 | 0 | 258,124 | ||
ISHARES TR | ISHS 1-5YR INVS | 464288646 | 1,333,902 | 26,393 | SH | SOLE | 0 | 25,811 | 0 | 582 | ||
ISHARES TR | INTRM GOV CR ETF | 464288612 | 85,610,290 | 819,316 | SH | SOLE | 0 | 794,524 | 0 | 24,792 | ||
ISHARES TR | JPMORGAN USD EMG | 464288281 | 727,944 | 8,437 | SH | SOLE | 0 | 8,433 | 0 | 4 | ||
ISHARES TR | MSCI USA VALUE | 46432F388 | 34,826,803 | 376,140 | SH | SOLE | 0 | 358,390 | 0 | 17,750 | ||
ISHARES TR | MSCI USA MMENTM | 46432F396 | 13,331,579 | 95,883 | SH | SOLE | 0 | 91,128 | 0 | 4,755 | ||
ISHARES TR | RUS 1000 GRW ETF | 464287614 | 1,336,485 | 5,470 | SH | SOLE | 0 | 4,950 | 0 | 520 | ||
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 545,012 | 3,055 | SH | SOLE | 0 | 3,055 | 0 | 0 | ||
J P MORGAN EXCHANGE TRADED F | US MOMENTUM | 46641Q779 | 1,308,686 | 32,981 | SH | SOLE | 0 | 31,230 | 0 | 1,751 | ||
JOHNSON & JOHNSON | COM | 478160104 | 1,845,275 | 11,905 | SH | SOLE | 0 | 11,905 | 0 | 0 | ||
JOHNSON & JOHNSON | COM | 478160104 | 62,000 | 400 | SH | OTR | 0 | 0 | 0 | 400 | ||
JPMORGAN CHASE & CO | COM | 46625H100 | 3,928,195 | 30,145 | SH | SOLE | 0 | 29,658 | 0 | 487 | ||
KLA CORP | COM NEW | 482480100 | 2,861,650 | 7,169 | SH | SOLE | 0 | 7,169 | 0 | 0 | ||
LAM RESEARCH CORP | COM | 512807108 | 2,792,672 | 5,268 | SH | SOLE | 0 | 5,268 | 0 | 0 | ||
M & T BK CORP | COM | 55261F104 | 2,310,451 | 19,323 | SH | SOLE | 0 | 19,323 | 0 | 0 | ||
MCKESSON CORP | COM | 58155Q103 | 2,951,655 | 8,290 | SH | SOLE | 0 | 8,290 | 0 | 0 | ||
MERCK & CO INC | COM | 58933Y105 | 2,605,066 | 24,486 | SH | SOLE | 0 | 24,486 | 0 | 0 | ||
MICROSOFT CORP | COM | 594918104 | 5,215,635 | 18,091 | SH | SOLE | 0 | 17,491 | 0 | 600 | ||
MONDELEZ INTL INC | CL A | 609207105 | 2,065,943 | 29,632 | SH | SOLE | 0 | 29,632 | 0 | 0 | ||
MORGAN STANLEY | COM NEW | 617446448 | 446,200 | 5,082 | SH | SOLE | 0 | 5,082 | 0 | 0 | ||
NBT BANCORP INC | COM | 628778102 | 245,207 | 7,274 | SH | SOLE | 0 | 7,274 | 0 | 0 | ||
NEXTERA ENERGY INC | COM | 65339F101 | 3,014,368 | 39,107 | SH | SOLE | 0 | 39,107 | 0 | 0 | ||
NIKE INC | CL B | 654106103 | 571,748 | 4,662 | SH | SOLE | 0 | 4,232 | 0 | 430 | ||
NORWOOD FINL CORP | COM | 669549107 | 627,852 | 21,341 | SH | SOLE | 0 | 21,341 | 0 | 0 | ||
NVIDIA CORPORATION | COM | 67066G104 | 351,379 | 1,265 | SH | SOLE | 0 | 1,265 | 0 | 0 | ||
NXP SEMICONDUCTORS N V | COM | N6596X109 | 3,121,405 | 16,739 | SH | SOLE | 0 | 16,434 | 0 | 305 | ||
ORACLE CORP | COM | 68389X105 | 3,299,775 | 35,512 | SH | SOLE | 0 | 35,512 | 0 | 0 | ||
PAYCHEX INC | COM | 704326107 | 183,344 | 1,600 | SH | OTR | 0 | 0 | 0 | 1,600 | ||
PAYCHEX INC | COM | 704326107 | 80,328 | 701 | SH | SOLE | 0 | 701 | 0 | 0 | ||
PEPSICO INC | COM | 713448108 | 3,408,645 | 18,698 | SH | SOLE | 0 | 18,698 | 0 | 0 | ||
PFIZER INC | COM | 717081103 | 896,078 | 21,963 | SH | SOLE | 0 | 21,963 | 0 | 0 | ||
PHILLIPS 66 | COM | 718546104 | 722,839 | 7,130 | SH | SOLE | 0 | 7,130 | 0 | 0 | ||
PPG INDS INC | COM | 693506107 | 232,964 | 1,744 | SH | SOLE | 0 | 1,744 | 0 | 0 | ||
PROCTER AND GAMBLE CO | COM | 742718109 | 1,119,190 | 7,527 | SH | SOLE | 0 | 7,527 | 0 | 0 | ||
PUBLIC STORAGE | COM | 74460D109 | 587,662 | 1,945 | SH | SOLE | 0 | 1,945 | 0 | 0 | ||
QUALCOMM INC | COM | 747525103 | 51,032 | 400 | SH | OTR | 0 | 0 | 0 | 400 | ||
QUALCOMM INC | COM | 747525103 | 2,657,236 | 20,828 | SH | SOLE | 0 | 20,828 | 0 | 0 | ||
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 2,145,157 | 21,905 | SH | SOLE | 0 | 21,905 | 0 | 0 | ||
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 202,606 | 4,832 | SH | SOLE | 0 | 3,932 | 0 | 900 | ||
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 82,938 | 1,978 | SH | OTR | 0 | 0 | 0 | 1,978 | ||
SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | 20,855,362 | 389,020 | SH | SOLE | 0 | 379,563 | 0 | 9,457 | ||
SKYWORKS SOLUTIONS INC | COM | 83088M102 | 2,236,901 | 18,960 | SH | SOLE | 0 | 18,625 | 0 | 335 | ||
SPDR GOLD TR | GOLD SHS | 78463V107 | 10,891,513 | 59,445 | SH | SOLE | 0 | 58,891 | 0 | 554 | ||
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 754,096 | 1,842 | SH | SOLE | 0 | 1,842 | 0 | 0 | ||
SPDR SER TR | BLOOMBERG INVT | 78468R200 | 702,537 | 23,087 | SH | SOLE | 0 | 22,376 | 0 | 711 | ||
SPDR SER TR | S&P BIOTECH | 78464A870 | 15,354,184 | 201,472 | SH | SOLE | 0 | 192,159 | 0 | 9,313 | ||
TESLA INC | COM | 88160R101 | 1,468,402 | 7,078 | SH | SOLE | 0 | 7,078 | 0 | 0 | ||
TJX COS INC NEW | COM | 872540109 | 1,112,712 | 14,200 | SH | SOLE | 0 | 14,200 | 0 | 0 | ||
TOMPKINS FINL CORP | COM | 890110109 | 337,340 | 5,095 | SH | SOLE | 0 | 5,095 | 0 | 0 | ||
ULTA BEAUTY INC | COM | 90384S303 | 2,651,956 | 4,860 | SH | SOLE | 0 | 4,860 | 0 | 0 | ||
UNITEDHEALTH GROUP INC | COM | 91324P102 | 3,087,430 | 6,533 | SH | SOLE | 0 | 6,358 | 0 | 175 | ||
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 663,839 | 3,502 | SH | SOLE | 0 | 3,502 | 0 | 0 | ||
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,594,429 | 7,812 | SH | SOLE | 0 | 7,812 | 0 | 0 | ||
VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 265,535 | 1,227 | SH | SOLE | 0 | 1,227 | 0 | 0 | ||
VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 440,646 | 2,261 | SH | SOLE | 0 | 2,261 | 0 | 0 | ||
VANGUARD INDEX FDS | MID CAP ETF | 922908629 | 300,561 | 1,425 | SH | SOLE | 0 | 1,425 | 0 | 0 | ||
VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 439,763 | 1,763 | SH | SOLE | 0 | 1,763 | 0 | 0 | ||
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 351,137 | 6,567 | SH | SOLE | 0 | 6,567 | 0 | 0 | ||
VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 392,890 | 9,725 | SH | SOLE | 0 | 9,725 | 0 | 0 | ||
VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 229,594 | 3,922 | SH | SOLE | 0 | 3,922 | 0 | 0 | ||
VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | 814,504 | 11,300 | SH | SOLE | 0 | 11,300 | 0 | 0 | ||
VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 | 243,857 | 3,650 | SH | SOLE | 0 | 3,650 | 0 | 0 | ||
VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | 61,620,993 | 768,150 | SH | SOLE | 0 | 748,395 | 0 | 19,755 | ||
VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | 21,518,924 | 358,888 | SH | SOLE | 0 | 355,589 | 0 | 3,299 | ||
VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 114,883,219 | 1,507,060 | SH | SOLE | 0 | 1,469,639 | 0 | 37,421 | ||
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 1,427,673 | 9,270 | SH | SOLE | 0 | 8,270 | 0 | 1,000 | ||
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 1,338,843 | 24,250 | SH | SOLE | 0 | 24,250 | 0 | 0 | ||
VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 661,469 | 14,644 | SH | SOLE | 0 | 14,644 | 0 | 0 | ||
VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 | 29,153,471 | 259,052 | SH | SOLE | 0 | 243,259 | 0 | 15,793 | ||
VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | 19,550,574 | 313,763 | SH | SOLE | 0 | 306,616 | 0 | 7,147 | ||
VERIZON COMMUNICATIONS INC | COM | 92343V104 | 275,886 | 7,094 | SH | SOLE | 0 | 7,094 | 0 | 0 | ||
VISA INC | COM CL A | 92826C839 | 3,883,549 | 17,225 | SH | SOLE | 0 | 16,950 | 0 | 275 | ||
WASTE MGMT INC DEL | COM | 94106L109 | 343,799 | 2,107 | SH | SOLE | 0 | 1,363 | 0 | 744 | ||
WORLD GOLD TR | SPDR GLD MINIS | 98149E303 | 40,195,694 | 1,027,760 | SH | SOLE | 0 | 996,932 | 0 | 30,828 |