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
ABB LTD COM 000375204 1,338 59,320 SH   SOLE   0 0 59,320
ALPHABET INC CLASS A COM 02079K305 6,907 4,871 SH   SOLE   0 0 4,871
ALTRIA GROUP INC COM 02209S103 1,344 34,253 SH   SOLE   0 0 34,253
AMAZON COM INC COM 023135106 23,748 8,608 SH   SOLE   0 0 8,608
APPLE INC COM 037833100 15,043 41,238 SH   SOLE   0 0 41,238
APPLIED MATERIALS INC COM 038222105 302 5,000 SH   SOLE   0 0 5,000
CHEVRON CORP COM 166764100 2,406 26,968 SH   SOLE   0 0 26,968
CISCO SYSTEMS INC COM 17275R102 285 6,120 SH   SOLE   0 0 6,120
COCA-COLA CO COM 191216100 4,217 94,378 SH   SOLE   0 0 94,378
CORNING INC COM 219350105 4,172 161,063 SH   SOLE   0 0 161,051
CVS CORP COM 126650100 5,595 86,115 SH   SOLE   0 0 86,115
DISCOVER FINANCIAL SVCS COM 254709108 5,501 109,827 SH   SOLE   0 0 109,827
ELMIRA SAVINGS BANK COM 289660102 1,366 129,514 SH   SOLE   0 0 129,514
EXXON MOBIL CORP COM 30231G102 476 10,651 SH   SOLE   0 0 10,651
FLIR SYSTEMS INC COM 302445101 3,629 89,445 SH   SOLE   0 0 89,445
GARMIN LTD COM H2906T109 3,105 31,850 SH   SOLE   0 0 31,850
GENERAL ELECTRIC CO COM 369604103 130 18,994 SH   SOLE   0 0 18,994
GOLDMAN SACHS GROUP INC COM 38141G104 1,360 6,882 SH   SOLE   0 0 6,882
INTEL CORP COM 458140100 349 5,840 SH   SOLE   0 0 5,840
INTL BUSINESS MACHINES COM 459200101 289 2,395 SH   SOLE   0 0 2,395
INTUITIVE SURGICAL COM 46120E602 7,073 12,412 SH   SOLE   0 0 12,412
J.P. MORGAN CHASE & CO COM 46625H100 6,023 64,039 SH   SOLE   0 0 64,039
JOHNSON & JOHNSON COM 478160104 335 2,380 SH   SOLE   0 0 2,380
KEYCORP INC COM 493267108 3,481 285,813 SH   SOLE   0 0 285,813
LOWES COMPANIES INC COM 548661107 6,783 50,203 SH   SOLE   0 0 50,203
LYONDELLBASELL INDUSTRIES COM N53745100 5,401 82,188 SH   SOLE   0 0 82,188
MEDTRONIC COM G5960L103 7,577 82,627 SH   SOLE   0 0 82,627
MERCK & CO INC COM 58933Y105 225 2,906 SH   SOLE   0 0 2,906
MICROSOFT CORP COM 594918104 9,109 44,759 SH   SOLE   0 0 44,759
MONDELEZ INTERNATIONAL INC COM 609207105 612 11,963 SH   SOLE   0 0 11,963
NORTHROP GRUMMAN CORP COM 666807102 3,262 10,609 SH   SOLE   0 0 10,609
PEPSICO INC COM 713448108 4,264 32,236 SH   SOLE   0 0 32,236
PHILIP MORRIS INTERNATIONAL IN COM 718172109 857 12,230 SH   SOLE   0 0 12,230
RAYTHEON TECHNOLOGIES CO COM 75513E101 4,791 77,744 SH   SOLE   0 0 77,744
SUNCOR ENERGY INC COM 867224107 4,289 254,375 SH   SOLE   0 0 254,375
TARGET CORP COM 87612E106 570 4,750 SH   SOLE   0 0 4,750
TC ENERGY CORP COM 87807B107 3,681 85,895 SH   SOLE   0 0 85,895
ULTA BEAUTY INC COM 90384S303 3,133 15,400 SH   SOLE   0 0 15,400
UNION PACIFIC CORP COM 907818108 2,677 15,835 SH   SOLE   0 0 15,835
VERISIGN INC COM 92343E102 402 1,945 SH   SOLE   0 0 1,945
VERIZON COMMUNICATIONS COM 92343V104 9,829 178,288 SH   SOLE   0 0 178,288
WALT DISNEY CO COM 254687106 3,333 29,891 SH   SOLE   0 0 29,891
XILINX INC COM 983919101 6,778 68,884 SH   SOLE   0 0 68,884
ZOETIS INC COM 98978v103 3,251 23,725 SH   SOLE   0 0 23,725
GRANITESHARES GOLD TRUST COM 38748G101 3,981 224,412 SH   SOLE   0 0 224,412
INVESCO DEFENSIVE EQUITY ETF COM 46138J775 5,399 104,575 SH   SOLE   0 0 104,575
INVESCO PREFERRED ETF COM 46138E511 3,744 265,132 SH   SOLE   0 0 265,132
INVESCO S&P 500 EQ WEIGHT HC COM 46137V332 1,476 6,641 SH   SOLE   0 0 6,641
ISHARES NASDAQ BIOTECH INDX COM 464287556 9,392 68,708 SH   SOLE   0 0 68,708
JPMORGAN DIVERSIFIED RETURN IN COM 46641Q209 848 17,162 SH   SOLE   0 0 17,162
SCHWAB INTERNATIONAL EQUITY COM 808524805 1,750 58,810 SH   SOLE   0 0 58,810
SCHWAB US LARGE-CAP COM 808524201 16,939 228,590 SH   SOLE   0 0 228,532
SCHWAB US SMALL-CAP COM 808524607 809 12,377 SH   SOLE   0 0 12,377
SPDR S&P 500 ETF COM 78462F103 1,032 3,348 SH   SOLE   0 0 3,348
INVESCO BULLETSHARES 2020 CORP COM 46138J502 217 10,190 SH   SOLE   0 0 10,190
ISHARES AAA - A RATED CORPORAT COM 46429b291 8,008 138,443 SH   SOLE   0 0 138,443
ISHARES ULTRA SHORT-TERM BOND COM 46434V878 3,620 71,605 SH   SOLE   0 0 71,605
PIMCO ETF TRUST COM 72201R783 1,474 16,146 SH   SOLE   0 0 16,146
PIMCO INVESTMENT GRADE CORP BO COM 72201R817 3,843 33,633 SH   SOLE   0 0 33,633
PIMCO TOTAL RETURN ETF COM 72201R775 226 2,025 SH   SOLE   0 0 2,025
SCHWAB US AGGREGATE BOND COM 808524839 1,475 26,230 SH   SOLE   0 0 26,230
SCHWAB US TIPS ETF COM 808524870 1,329 22,145 SH   SOLE   0 0 22,145
ISHARES TR COMEX GOLD COM 464285105 653 38,419 SH   SOLE   0 0 38,419