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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   4,366,759 25,465 SH   SOLE   0 0 25,465
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   759,146 2,190 SH   SOLE   0 0 2,190
ISHARES TR CORE US AGGBD ET 464287226   9,697,601 99,016 SH   SOLE   0 0 99,016
ALLSTATE CORP COM 020002101   359,315 2,077 SH   SOLE   0 0 2,077
AMERIPRISE FINL INC COM 03076C106   840,652 1,917 SH   SOLE   0 0 1,917
AMAZON COM INC COM 023135106   1,320,923 7,323 SH   SOLE   0 0 7,323
AIR PRODS & CHEMS INC COM 009158106   451,591 1,864 SH   SOLE   0 0 1,864
APTIV PLC SHS G6095L109   258,090 3,240 SH   SOLE   0 0 3,240
ASML HOLDING N V N Y REGISTRY SHS N07059210   200,887 207 SH   SOLE   0 0 207
BANK AMERICA CORP COM 060505104   522,527 13,780 SH   SOLE   0 0 13,780
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   50,352 10,490 SH   SOLE   0 0 10,490
BIOGEN INC COM 09062X103   328,189 1,522 SH   SOLE   0 0 1,522
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   230,963 3,180 SH   SOLE   0 0 3,180
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,540,365 3,663 SH   SOLE   0 0 3,663
CELANESE CORP DEL COM 150870103   529,671 3,082 SH   SOLE   0 0 3,082
CF INDS HLDGS INC COM 125269100   268,132 3,222 SH   SOLE   0 0 3,222
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   54,130 21,915 SH   SOLE   0 0 21,915
CUMMINS INC COM 231021106   652,611 2,215 SH   SOLE   0 0 2,215
COMPASS DIVERSIFIED SH BEN INT 20451Q104   257,823 10,711 SH   SOLE   0 0 10,711
CAPITAL ONE FINL CORP COM 14040H105   269,882 1,813 SH   SOLE   0 0 1,813
CONOCOPHILLIPS COM 20825C104   606,023 4,761 SH   SOLE   0 0 4,761
CISCO SYS INC COM 17275R102   1,244,793 24,941 SH   SOLE   0 0 24,941
CVS HEALTH CORP COM 126650100   266,387 3,340 SH   SOLE   0 0 3,340
CHEVRON CORP NEW COM 166764100   1,269,747 8,050 SH   SOLE   0 0 8,050
CITIZENS & NORTHN CORP COM 172922106   314,633 16,754 SH   SOLE   0 0 16,754
WISDOMTREE TR EMER MKT HIGH FD 97717W315   276,836 6,617 SH   SOLE   0 0 6,617
DANAHER CORPORATION COM 235851102   752,317 3,013 SH   SOLE   0 0 3,013
DISNEY WALT CO COM 254687106   1,199,360 9,802 SH   SOLE   0 0 9,802
DARDEN RESTAURANTS INC COM 237194105   491,213 2,939 SH   SOLE   0 0 2,939
DTE ENERGY CO COM 233331107   1,216,731 10,850 SH   SOLE   0 0 10,850
ECOLAB INC COM 278865100   523,974 2,269 SH   SOLE   0 0 2,269
ISHARES TR MSCI EAFE ETF 464287465   206,438 2,585 SH   SOLE   0 0 2,585
EQT CORP COM 26884L109   354,984 9,576 SH   SOLE   0 0 9,576
ISHARES TR ESG AW MSCI EAFE 46435G516   238,212 2,981 SH   SOLE   0 0 2,981
INVESCO ACTVELY MNGD ETC FD ELC VEH MTLS CDT 46090F209   337,692 20,555 SH   SOLE   0 0 20,555
FORD MTR CO DEL COM 345370860   589,307 44,376 SH   SOLE   0 0 44,376
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   570,434 22,050 SH   SOLE   0 0 22,050
FISERV INC COM 337738108   712,478 4,458 SH   SOLE   0 0 4,458
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   316,367 6,160 SH   SOLE   0 0 6,160
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   361,549 2,320 SH   SOLE   0 0 2,320
GAN LTD SHS G3728V109   19,727 15,533 SH   SOLE   0 0 15,533
GENERAC HLDGS INC COM 368736104   399,233 3,165 SH   SOLE   0 0 3,165
ALPHABET INC CAP STK CL C 02079K107   210,880 1,385 SH   SOLE   0 0 1,385
ALPHABET INC CAP STK CL A 02079K305   2,738,776 18,146 SH   SOLE   0 0 18,146
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   26,179,701 252,237 SH   SOLE   0 0 252,237
HP INC COM 40434L105   260,330 8,615 SH   SOLE   0 0 8,615
HOST HOTELS & RESORTS INC COM 44107P104   294,271 14,230 SH   SOLE   0 0 14,230
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,704,906 68,060 SH   SOLE   0 0 68,060
ISHARES TR IBONDS DEC25 ETF 46434VBD1   248,103 10,000 SH   SOLE   0 0 10,000
ISHARES TR IBONDS DEC2026 46435GAA0   1,648,182 69,106 SH   SOLE   0 0 69,106
ISHARES TR IBONDS 27 ETF 46435UAA9   232,749 9,779 SH   SOLE   0 0 9,779
ISHARES TR IBDS DEC28 ETF 46435U515   1,678,469 67,395 SH   SOLE   0 0 67,395
ISHARES TR IBONDS DEC 29 46436E205   212,596 9,316 SH   SOLE   0 0 9,316
ISHARES TR IBONDS DEC 2030 46436E726   1,621,981 75,794 SH   SOLE   0 0 75,794
INTERNATIONAL BUSINESS MACHS COM 459200101   909,270 4,762 SH   SOLE   0 0 4,762
ISHARES TR IBONDS DEC 46435U697   505,970 19,498 SH   SOLE   0 0 19,498
ISHARES TR IBONDS DEC 26 46435U259   499,881 19,719 SH   SOLE   0 0 19,719
ISHARES TR IBONDS DEC 28 46435U325   453,090 17,930 SH   SOLE   0 0 17,930
INTEL CORP COM 458140100   1,420,074 32,150 SH   SOLE   0 0 32,150
ISHARES TR CORE S&P500 ETF 464287200   222,487 423 SH   SOLE   0 0 423
ISHARES TR RUS 1000 ETF 464287622   302,143 1,049 SH   SOLE   0 0 1,049
ISHARES TR RUS MD CP GR ETF 464287481   428,596 3,755 SH   SOLE   0 0 3,755
ISHARES TR RUS MDCP VAL ETF 464287473   538,042 4,293 SH   SOLE   0 0 4,293
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   12,680,070 233,777 SH   SOLE   0 0 233,777
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,398,957 27,571 SH   SOLE   0 0 27,571
JOHNSON & JOHNSON COM 478160104   814,926 5,152 SH   SOLE   0 0 5,152
JPMORGAN CHASE & CO COM 46625H100   1,740,476 8,689 SH   SOLE   0 0 8,689
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   277,172 5,494 SH   SOLE   0 0 5,494
KEYCORP COM 493267108   444,280 28,101 SH   SOLE   0 0 28,101
KLA CORP COM NEW 482480100   1,011,789 1,448 SH   SOLE   0 0 1,448
LUMINAR TECHNOLOGIES INC COM CL A 550424105   39,400 20,000 SH   SOLE   0 0 20,000
LKQ CORP COM 501889208   262,555 4,916 SH   SOLE   0 0 4,916
LOWES COS INC COM 548661107   1,352,604 5,310 SH   SOLE   0 0 5,310
SOUTHWEST AIRLS CO COM 844741108   379,576 13,004 SH   SOLE   0 0 13,004
MASTERCARD INCORPORATED CL A 57636Q104   1,809,481 3,757 SH   SOLE   0 0 3,757
MASCO CORP COM 574599106   507,440 6,433 SH   SOLE   0 0 6,433
MCKESSON CORP COM 58155Q103   987,416 1,839 SH   SOLE   0 0 1,839
METLIFE INC COM 59156R108   465,671 6,284 SH   SOLE   0 0 6,284
META PLATFORMS INC CL A 30303M102   861,938 1,775 SH   SOLE   0 0 1,775
MERCK & CO INC COM 58933Y105   822,087 6,230 SH   SOLE   0 0 6,230
MICROSOFT CORP COM 594918104   3,139,457 7,462 SH   SOLE   0 0 7,462
MICROSTRATEGY INC CL A NEW 594972408   920,462 540 SH   SOLE   0 0 540
M & T BK CORP COM 55261F104   838,111 5,763 SH   SOLE   0 0 5,763
ISHARES TR NATIONAL MUN ETF 464288414   1,845,947 17,156 SH   SOLE   0 0 17,156
NETFLIX INC COM 64110L106   669,278 1,102 SH   SOLE   0 0 1,102
NOKIA CORP SPONSORED ADR 654902204   43,269 12,223 SH   SOLE   0 0 12,223
NVIDIA CORPORATION COM 67066G104   3,691,184 4,085 SH   SOLE   0 0 4,085
NOVO-NORDISK A S ADR 670100205   215,840 1,681 SH   SOLE   0 0 1,681
UNIVERSAL DISPLAY CORP COM 91347P105   355,858 2,113 SH   SOLE   0 0 2,113
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   647,565 9,697 SH   SOLE   0 0 9,697
PFIZER INC COM 717081103   941,991 33,946 SH   SOLE   0 0 33,946
PRUDENTIAL FINL INC COM 744320102   801,114 6,824 SH   SOLE   0 0 6,824
PELOTON INTERACTIVE INC CL A COM 70614W100   48,403 11,296 SH   SOLE   0 0 11,296
PENNS WOODS BANCORP INC COM 708430103   346,344 17,844 SH   SOLE   0 0 17,844
QUANTA SVCS INC COM 74762E102   579,352 2,230 SH   SOLE   0 0 2,230
QUANTUMSCAPE CORP COM CL A 74767V109   64,127 10,195 SH   SOLE   0 0 10,195
ISHARES TR MSCI USA QLT FCT 46432F339   377,873 2,299 SH   SOLE   0 0 2,299
REGENERON PHARMACEUTICALS COM 75886F107   590,006 613 SH   SOLE   0 0 613
ROPER TECHNOLOGIES INC COM 776696106   1,538,358 2,743 SH   SOLE   0 0 2,743
ISHARES TR EAFE SML CP ETF 464288273   355,915 5,620 SH   SOLE   0 0 5,620
ISHARES TR MSCI GBL SUS DEV 46435G532   568,286 7,220 SH   SOLE   0 0 7,220
SPDR SER TR S&P DIVID ETF 78464A763   240,825 1,835 SH   SOLE   0 0 1,835
CONSTELLATION BRANDS INC CL A 21036P108   1,271,586 4,679 SH   SOLE   0 0 4,679
STANLEY BLACK & DECKER INC COM 854502101   900,919 9,200 SH   SOLE   0 0 9,200
STRYKER CORPORATION COM 863667101   823,426 2,301 SH   SOLE   0 0 2,301
TARGET CORP COM 87612E106   1,239,782 6,996 SH   SOLE   0 0 6,996
THERMO FISHER SCIENTIFIC INC COM 883556102   1,481,554 2,549 SH   SOLE   0 0 2,549
TRAVELERS COMPANIES INC COM 89417E109   431,438 1,875 SH   SOLE   0 0 1,875
TYSON FOODS INC CL A 902494103   260,907 4,442 SH   SOLE   0 0 4,442
UNITEDHEALTH GROUP INC COM 91324P102   699,593 1,414 SH   SOLE   0 0 1,414
UNION PAC CORP COM 907818108   557,283 2,266 SH   SOLE   0 0 2,266
VISA INC COM CL A 92826C839   370,711 1,328 SH   SOLE   0 0 1,328
VALERO ENERGY CORP COM 91913Y100   368,497 2,159 SH   SOLE   0 0 2,159
VANGUARD INDEX FDS TOTAL STK MKT 922908769   308,702 1,188 SH   SOLE   0 0 1,188
VERIZON COMMUNICATIONS INC COM 92343V104   2,224,612 53,017 SH   SOLE   0 0 53,017
WABTEC COM 929740108   289,175 1,985 SH   SOLE   0 0 1,985
WALGREENS BOOTS ALLIANCE INC COM 931427108   253,143 11,671 SH   SOLE   0 0 11,671
WALMART INC COM 931142103   567,118 9,425 SH   SOLE   0 0 9,425
WEST PHARMACEUTICAL SVSC INC COM 955306105   314,589 795 SH   SOLE   0 0 795
EXXON MOBIL CORP COM 30231G102   487,922 4,198 SH   SOLE   0 0 4,198