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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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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,407 46,503 SH   SOLE   46,503 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 312 4,214 SH   SOLE   4,214 0 0
DOMINION ENERGY INC COM 25746U109 258 3,178 SH   SOLE   3,178 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,568 15,003 SH   SOLE   15,003 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 511 3,658 SH   SOLE   3,658 0 0
LOWES COS INC COM 548661107 12,369 91,537 SH   SOLE   91,537 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 559 5,500 SH   SOLE   5,500 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 383 1,179 SH   SOLE   1,179 0 0
NETFLIX INC COM 64110L106 653 1,435 SH   SOLE   1,435 0 0
ISHARES TR SHORT TREAS BD 464288679 532 4,800 SH   SOLE   4,800 0 0
MCDONALDS CORP COM 580135101 2,344 12,708 SH   SOLE   12,708 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 459 19,824 SH   SOLE   19,824 0 0
TELADOC HEALTH INC COM 87918A105 1,080 5,660 SH   SOLE   5,660 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 612 11,740 SH   SOLE   11,740 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,167 7,026 SH   SOLE   7,026 0 0
CANOPY GROWTH CORP COM 138035100 282 17,472 SH   SOLE   17,472 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,204 8,407 SH   SOLE   8,407 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,231 118,044 SH   SOLE   118,044 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,344 25,156 SH   SOLE   25,156 0 0
ISHARES TR TIPS BD ETF 464287176 1,212 9,853 SH   SOLE   9,853 0 0
IDEX CORP COM 45167R104 550 3,480 SH   SOLE   3,480 0 0
FACEBOOK INC CL A 30303M102 11,671 51,400 SH   SOLE   51,400 0 0
PENN NATL GAMING INC COM 707569109 1,009 33,042 SH   SOLE   33,042 0 0
ALPHABET INC CAP STK CL A 02079K305 16,401 11,566 SH   SOLE   11,566 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,459 20,453 SH   SOLE   20,453 0 0
COMCAST CORP NEW CL A 20030N101 228 5,844 SH   SOLE   5,844 0 0
INTEL CORP COM 458140100 2,000 33,429 SH   SOLE   33,429 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 258 3,735 SH   SOLE   3,735 0 0
MICROSOFT CORP COM 594918104 23,716 116,534 SH   SOLE   116,534 0 0
DISCOVERY INC COM SER C 25470F302 362 17,165 SH   SOLE   17,165 0 0
PAYPAL HLDGS INC COM 70450Y103 1,773 10,177 SH   SOLE   10,177 0 0
EQUINIX INC COM 29444U700 5,211 7,420 SH   SOLE   7,420 0 0
CANADIAN NATL RY CO COM 136375102 475 5,360 SH   SOLE   5,360 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,432 65,719 SH   SOLE   65,719 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,459 11,727 SH   SOLE   11,727 0 0
BAXTER INTL INC COM 071813109 280 3,250 SH   SOLE   3,250 0 0
AT&T INC COM 00206R102 4,396 145,431 SH   SOLE   145,431 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 632 2,450 SH   SOLE   2,450 0 0
GENERAL ELECTRIC CO COM 369604103 322 47,134 SH   SOLE   47,134 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,585 31,628 SH   SOLE   31,628 0 0
ADVANCED MICRO DEVICES INC COM 007903107 4,654 88,464 SH   SOLE   88,464 0 0
STARBUCKS CORP COM 855244109 8,255 112,173 SH   SOLE   112,173 0 0
TANDEM DIABETES CARE INC COM NEW 875372203 1,702 17,205 SH   SOLE   17,205 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 476 6,922 SH   SOLE   6,922 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,587 62,439 SH   SOLE   62,439 0 0
ABBOTT LABS COM 002824100 776 8,485 SH   SOLE   8,485 0 0
REGENERON PHARMACEUTICALS COM 75886F107 3,557 5,703 SH   SOLE   5,703 0 0
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 3,199 91,245 SH   SOLE   91,245 0 0
CITIGROUP INC COM NEW 172967424 2,605 50,986 SH   SOLE   50,986 0 0
CVS HEALTH CORP COM 126650100 1,203 18,517 SH   SOLE   18,517 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 418 6,402 SH   SOLE   6,402 0 0
EXXON MOBIL CORP COM 30231G102 835 18,672 SH   SOLE   18,672 0 0
NBT BANCORP INC COM 628778102 256 8,312 SH   SOLE   8,312 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,539 43,187 SH   SOLE   43,187 0 0
JPMORGAN CHASE & CO COM 46625H100 6,576 69,911 SH   SOLE   69,911 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,049 17,483 SH   SOLE   17,483 0 0
JOHNSON & JOHNSON COM 478160104 5,542 39,408 SH   SOLE   39,408 0 0
3M CO COM 88579Y101 622 3,990 SH   SOLE   3,990 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 208 840 SH   SOLE   840 0 0
BK OF AMERICA CORP COM 060505104 4,365 183,776 SH   SOLE   183,776 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 323 2,532 SH   SOLE   2,532 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 435 4,344 SH   SOLE   4,344 0 0
VISA INC COM CL A 92826C839 9,264 47,959 SH   SOLE   47,959 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,393 33,914 SH   SOLE   33,914 0 0
DRAFTKINGS INC COM CL A 26142R104 1,559 46,867 SH   SOLE   46,867 0 0
EATON CORP PLC SHS G29183103 2,752 31,461 SH   SOLE   31,461 0 0
PEPSICO INC COM 713448108 347 2,624 SH   SOLE   2,624 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,802 45,478 SH   SOLE   45,478 0 0
AMAZON COM INC COM 023135106 9,957 3,609 SH   SOLE   3,609 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 474 15,946 SH   SOLE   15,946 0 0
VARIAN MED SYS INC COM 92220P105 490 4,000 SH   SOLE   4,000 0 0
BOEING CO COM 097023105 1,569 8,557 SH   SOLE   8,557 0 0
COCA COLA CO COM 191216100 1,587 35,517 SH   SOLE   35,517 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 794 26,051 SH   SOLE   26,051 0 0
INVITAE CORP COM 46185L103 3,622 119,585 SH   SOLE   119,585 0 0
NVIDIA CORPORATION COM 67066G104 3,814 10,039 SH   SOLE   10,039 0 0
ISHARES TR GLOBAL 100 ETF 464287572 2,014 38,156 SH   SOLE   38,156 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,944 22,092 SH   SOLE   22,092 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,083 30,360 SH   SOLE   30,360 0 0
NIKE INC CL B 654106103 8,185 83,475 SH   SOLE   83,475 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,419 27,388 SH   SOLE   27,388 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,611 13,212 SH   SOLE   13,212 0 0
PROCTER AND GAMBLE CO COM 742718109 302 2,523 SH   SOLE   2,523 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 6,508 30,170 SH   SOLE   30,170 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 881 15,973 SH   SOLE   15,973 0 0
DISNEY WALT CO COM DISNEY 254687106 4,463 40,027 SH   SOLE   40,027 0 0
CISCO SYS INC COM 17275R102 4,001 85,786 SH   SOLE   85,786 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 996 16,264 SH   SOLE   16,264 0 0
MASTERCARD INCORPORATED CL A 57636Q104 10,145 34,309 SH   SOLE   34,309 0 0
TARGET CORP COM 87612E106 2,996 24,979 SH   SOLE   24,979 0 0
ISHARES TR SELECT DIVID ETF 464287168 495 6,138 SH   SOLE   6,138 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 247 3,098 SH   SOLE   3,098 0 0
HONEYWELL INTL INC COM 438516106 741 5,127 SH   SOLE   5,127 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,716 70,459 SH   SOLE   70,459 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,798 23,670 SH   SOLE   23,670 0 0
ISHARES TR PFD AND INCM SEC 464288687 361 10,423 SH   SOLE   10,423 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,113 21,155 SH   SOLE   21,155 0 0
APPLE INC COM 037833100 29,369 80,506 SH   SOLE   80,506 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,648 63,196 SH   SOLE   63,196 0 0
CHEVRON CORP NEW COM 166764100 1,067 11,953 SH   SOLE   11,953 0 0