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
AT&T INC COM 00206R102   348,659 23,213 SH   SOLE   0 0 23,213
ABBOTT LABS COM 002824100   242,125 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109   372,650 2,500 SH   SOLE   0 0 2,500
ABRDN ETFS BBRG ALL COMD K1 003261104   783,075 37,095 SH   SOLE   0 0 37,095
APPLE INC COM 037833100   862,556 5,038 SH   SOLE   0 0 5,038
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   655,061 1,870 SH   SOLE   0 0 1,870
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   1,158,300 14,300 SH   SOLE   0 0 14,300
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   469,780 21,609 SH   SOLE   0 0 21,609
CHEVRON CORP NEW COM 166764100   259,675 1,540 SH   SOLE   0 0 1,540
COMCAST CORP NEW CL A 20030N101   352,769 7,956 SH   SOLE   0 0 7,956
EXXON MOBIL CORP COM 30231G102   325,579 2,769 SH   SOLE   0 0 2,769
F N B CORP COM 302520101   612,591 56,774 SH   SOLE   0 0 56,774
FNCB BANCORP INC COM 302578109   617,562 103,792 SH   SOLE   0 0 103,792
GAIA INC NEW CL A 36269P104   2,052,398 754,558 SH   SOLE   0 0 754,558
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   6,044,557 101,198 SH   SOLE   0 0 101,198
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   8,707,167 86,976 SH   SOLE   0 0 86,976
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   6,001,504 187,021 SH   SOLE   0 0 187,021
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   845,495 26,765 SH   SOLE   0 0 26,765
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   5,579,417 237,422 SH   SOLE   0 0 237,422
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   15,959,649 698,453 SH   SOLE   0 0 698,453
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,321,605 70,224 SH   SOLE   0 0 70,224
INTERNATIONAL BUSINESS MACHS COM 459200101   509,008 3,628 SH   SOLE   0 0 3,628
ISHARES TR SELECT DIVID ETF 464287168   5,185,019 48,170 SH   SOLE   0 0 48,170
ISHARES TR CORE S&P500 ETF 464287200   21,669,467 50,461 SH   SOLE   0 0 50,461
ISHARES TR CORE US AGGBD ET 464287226   4,223,054 44,907 SH   SOLE   0 0 44,907
ISHARES TR MSCI EAFE ETF 464287465   3,952,405 57,348 SH   SOLE   0 0 57,348
ISHARES TR CORE S&P MCP ETF 464287507   2,994,195 12,008 SH   SOLE   0 0 12,008
ISHARES TR COHEN STEER REIT 464287564   1,190,447 23,733 SH   SOLE   0 0 23,733
ISHARES TR RUS 1000 GRW ETF 464287614   3,832,118 14,407 SH   SOLE   0 0 14,407
ISHARES TR RUS 1000 ETF 464287622   1,336,873 5,691 SH   SOLE   0 0 5,691
ISHARES TR RUS 2000 VAL ETF 464287630   501,942 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,650,973 9,341 SH   SOLE   0 0 9,341
ISHARES TR CORE S&P SCP ETF 464287804   1,548,521 16,416 SH   SOLE   0 0 16,416
ISHARES TR GL TIMB FORE ETF 464288174   511,848 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   321,056 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   4,271,146 141,663 SH   SOLE   0 0 141,663
ISHARES TR EAFE VALUE ETF 464288877   471,685 9,640 SH   SOLE   0 0 9,640
ISHARES TR US TREAS BD ETF 46429B267   982,345 44,571 SH   SOLE   0 0 44,571
ISHARES TR CORE HIGH DV ETF 46429B663   8,699,848 87,975 SH   SOLE   0 0 87,975
ISHARES TR MSCI USA QLT FCT 46432F339   2,798,033 21,231 SH   SOLE   0 0 21,231
ISHARES TR MSCI USA VALUE 46432F388   1,052,127 11,598 SH   SOLE   0 0 11,598
ISHARES TR CORE MSCI EAFE 46432F842   2,106,497 32,735 SH   SOLE   0 0 32,735
ISHARES INC CORE MSCI EMKT 46434G103   1,020,330 21,440 SH   SOLE   0 0 21,440
ISHARES TR CORE TOTAL USD 46434V613   837,361 19,155 SH   SOLE   0 0 19,155
ISHARES TR CORE DIV GRWTH 46434V621   578,560 11,681 SH   SOLE   0 0 11,681
ISHARES TR MSCI INTL VLU FT 46435G409   898,581 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   268,489 2,859 SH   SOLE   0 0 2,859
JOHNSON & JOHNSON COM 478160104   428,001 2,748 SH   SOLE   0 0 2,748
KIMBERLY-CLARK CORP COM 494368103   277,955 2,300 SH   SOLE   0 0 2,300
LISTED FD TR HORIZON KINETICS 53656F623   457,544 15,031 SH   SOLE   0 0 15,031
M & T BK CORP COM 55261F104   259,223 2,050 SH   SOLE   0 0 2,050
MCDONALDS CORP COM 580135101   355,644 1,350 SH   SOLE   0 0 1,350
MICROSOFT CORP COM 594918104   205,238 650 SH   SOLE   0 0 650
NORFOLK SOUTHN CORP COM 655844108   443,093 2,250 SH   SOLE   0 0 2,250
PPL CORP COM 69351T106   533,069 22,626 SH   SOLE   0 0 22,626
PROCTER AND GAMBLE CO COM 742718109   268,820 1,843 SH   SOLE   0 0 1,843
PROSHARES TR MSCI EAFE DIVD 74347B839   2,656,806 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,429,369 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   225,900 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,477,794 15,153 SH   SOLE   0 0 15,153
SPDR SER TR PRTFLO S&P500 VL 78464A508   803,250 19,468 SH   SOLE   0 0 19,468
SPDR SER TR PORTFOLIO AGRGTE 78464A649   10,077,198 414,018 SH   SOLE   0 0 414,018
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   2,355,954 87,387 SH   SOLE   0 0 87,387
SPDR SER TR BLOOMBERG INVT 78468R200   707,758 23,039 SH   SOLE   0 0 23,039
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   722,348 7,867 SH   SOLE   0 0 7,867
SPDR SER TR PORTFOLIO S&P600 78468R853   252,581 6,845 SH   SOLE   0 0 6,845
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   425,320 8,532 SH   SOLE   0 0 8,532
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   26,519,359 524,098 SH   SOLE   0 0 524,098
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   508,332 7,886 SH   SOLE   0 0 7,886
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,837,146 68,497 SH   SOLE   0 0 68,497
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,509,680 36,554 SH   SOLE   0 0 36,554
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,733,660 139,389 SH   SOLE   0 0 139,389
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,899,555 37,622 SH   SOLE   0 0 37,622
TRUIST FINL CORP COM 89832Q109   234,831 8,208 SH   SOLE   0 0 8,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,248,840 20,909 SH   SOLE   0 0 20,909
VANGUARD STAR FDS VG TL INTL STK F 921909768   210,762 3,938 SH   SOLE   0 0 3,938
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   502,962 6,691 SH   SOLE   0 0 6,691
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   616,088 8,829 SH   SOLE   0 0 8,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,823,942 27,332 SH   SOLE   0 0 27,332
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,775,376 80,967 SH   SOLE   0 0 80,967
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,347,207 91,946 SH   SOLE   0 0 91,946
VANGUARD WORLD FD INF TECH ETF 92204A702   3,539,512 8,531 SH   SOLE   0 0 8,531
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   13,619,662 262,573 SH   SOLE   0 0 262,573
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   4,403,847 61,644 SH   SOLE   0 0 61,644
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,824,674 37,935 SH   SOLE   0 0 37,935
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,319,932 47,626 SH   SOLE   0 0 47,626
VANGUARD INDEX FDS GROWTH ETF 922908736   590,913 2,170 SH   SOLE   0 0 2,170
VANGUARD INDEX FDS VALUE ETF 922908744   551,720 4,000 SH   SOLE   0 0 4,000
VANGUARD INDEX FDS SMALL CP ETF 922908751   607,104 3,211 SH   SOLE   0 0 3,211
VANGUARD INDEX FDS TOTAL STK MKT 922908769   626,454 2,949 SH   SOLE   0 0 2,949
VERIZON COMMUNICATIONS INC COM 92343V104   328,864 10,147 SH   SOLE   0 0 10,147
YUM BRANDS INC COM 988498101   555,983 4,450 SH   SOLE   0 0 4,450
YUM CHINA HLDGS INC COM 98850P109   222,880 4,000 SH   SOLE   0 0 4,000