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
ABBOTT LABS COM 002824100   274,475 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109   406,934 2,518 SH   SOLE   0 0 2,518
ABRDN ETFS BBRG ALL COMD K1 003261104   818,316 37,095 SH   SOLE   0 0 37,095
APPLE INC COM 037833100   1,240,572 9,548 SH   SOLE   0 0 9,548
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   577,643 1,870 SH   SOLE   0 0 1,870
BOEING CO COM 097023105   439,079 2,305 SH   SOLE   0 0 2,305
EXXON MOBIL CORP COM 30231G102   753,239 6,829 SH   SOLE   0 0 6,829
F N B CORP COM 302520101   740,901 56,774 SH   SOLE   0 0 56,774
FNCB BANCORP INC COM 302578109   852,132 103,792 SH   SOLE   0 0 103,792
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   498,374 10,561 SH   SOLE   0 0 10,561
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   4,742,621 81,854 SH   SOLE   0 0 81,854
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   5,965,450 59,828 SH   SOLE   0 0 59,828
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   635,260 19,227 SH   SOLE   0 0 19,227
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   810,480 25,543 SH   SOLE   0 0 25,543
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   2,043,497 84,687 SH   SOLE   0 0 84,687
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   12,126,552 510,592 SH   SOLE   0 0 510,592
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   1,988,132 65,854 SH   SOLE   0 0 65,854
INTERNATIONAL BUSINESS MACHS COM 459200101   497,060 3,528 SH   SOLE   0 0 3,528
ISHARES TR SELECT DIVID ETF 464287168   6,113,335 50,691 SH   SOLE   0 0 50,691
ISHARES TR CORE S&P500 ETF 464287200   16,880,266 43,935 SH   SOLE   0 0 43,935
ISHARES TR CORE US AGGBD ET 464287226   1,849,114 19,065 SH   SOLE   0 0 19,065
ISHARES TR MSCI EAFE ETF 464287465   3,664,096 55,821 SH   SOLE   0 0 55,821
ISHARES TR CORE S&P MCP ETF 464287507   1,545,919 6,391 SH   SOLE   0 0 6,391
ISHARES TR COHEN STEER REIT 464287564   785,912 14,331 SH   SOLE   0 0 14,331
ISHARES TR RUS 1000 GRW ETF 464287614   3,847,965 17,961 SH   SOLE   0 0 17,961
ISHARES TR RUS 1000 ETF 464287622   1,244,173 5,910 SH   SOLE   0 0 5,910
ISHARES TR RUS 2000 VAL ETF 464287630   513,495 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,557,346 8,932 SH   SOLE   0 0 8,932
ISHARES TR CORE S&P SCP ETF 464287804   1,551,812 16,397 SH   SOLE   0 0 16,397
ISHARES TR GL TIMB FORE ETF 464288174   503,066 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   343,302 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   2,789,668 91,375 SH   SOLE   0 0 91,375
ISHARES TR CORE HIGH DV ETF 46429B663   11,004,096 105,565 SH   SOLE   0 0 105,565
ISHARES TR MSCI USA QLT FCT 46432F339   2,382,562 20,907 SH   SOLE   0 0 20,907
ISHARES TR MSCI USA VALUE 46432F388   1,027,885 11,278 SH   SOLE   0 0 11,278
ISHARES TR CORE TOTAL USD 46434V613   809,189 18,010 SH   SOLE   0 0 18,010
ISHARES TR CORE DIV GRWTH 46434V621   437,400 8,748 SH   SOLE   0 0 8,748
ISHARES TR MSCI INTL VLU FT 46435G409   820,983 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   311,965 3,681 SH   SOLE   0 0 3,681
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   237,853 5,018 SH   SOLE   0 0 5,018
JOHNSON & JOHNSON COM 478160104   435,796 2,467 SH   SOLE   0 0 2,467
KIMBERLY-CLARK CORP COM 494368103   208,105 1,533 SH   SOLE   0 0 1,533
LISTED FD TR HORIZON KINETICS 53656F623   473,176 15,031 SH   SOLE   0 0 15,031
MCDONALDS CORP COM 580135101   320,189 1,215 SH   SOLE   0 0 1,215
NORFOLK SOUTHN CORP COM 655844108   369,630 1,500 SH   SOLE   0 0 1,500
PGIM ETF TR TOTAL RETURN BON 69344A800   983,172 24,079 SH   SOLE   0 0 24,079
PPL CORP COM 69351T106   661,132 22,626 SH   SOLE   0 0 22,626
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   257,467 3,068 SH   SOLE   0 0 3,068
PROCTER AND GAMBLE CO COM 742718109   294,481 1,943 SH   SOLE   0 0 1,943
PROSHARES TR MSCI EAFE DIVD 74347B839   2,694,907 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,468,876 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   232,140 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,608,178 17,279 SH   SOLE   0 0 17,279
SPDR SER TR PORTFOLIO AGRGTE 78464A649   5,775,075 229,808 SH   SOLE   0 0 229,808
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   2,303,418 83,639 SH   SOLE   0 0 83,639
SPDR SER TR BLOOMBERG INVT 78468R200   716,535 23,578 SH   SOLE   0 0 23,578
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   745,115 8,146 SH   SOLE   0 0 8,146
SPDR SER TR PORTFOLIO S&P600 78468R853   253,060 6,845 SH   SOLE   0 0 6,845
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   16,867,272 373,583 SH   SOLE   0 0 373,583
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   520,634 7,886 SH   SOLE   0 0 7,886
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,638,862 65,141 SH   SOLE   0 0 65,141
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,349,939 36,554 SH   SOLE   0 0 36,554
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,506,007 139,895 SH   SOLE   0 0 139,895
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,349,905 26,065 SH   SOLE   0 0 26,065
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,313,654 8,651 SH   SOLE   0 0 8,651
VANGUARD WORLD FD ESG INTL STK ETF 921910725   235,768 4,793 SH   SOLE   0 0 4,793
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   703,868 9,350 SH   SOLE   0 0 9,350
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   643,327 8,955 SH   SOLE   0 0 8,955
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,965,655 27,406 SH   SOLE   0 0 27,406
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,520,127 79,278 SH   SOLE   0 0 79,278
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,805,776 60,068 SH   SOLE   0 0 60,068
VANGUARD WORLD FD INF TECH ETF 92204A702   2,724,887 8,531 SH   SOLE   0 0 8,531
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   6,968,307 138,977 SH   SOLE   0 0 138,977
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   2,569,631 36,516 SH   SOLE   0 0 36,516
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,962,377 39,652 SH   SOLE   0 0 39,652
VANGUARD INDEX FDS LARGE CAP ETF 922908637   8,322,753 47,777 SH   SOLE   0 0 47,777
VANGUARD INDEX FDS SMALL CP ETF 922908751   497,760 2,712 SH   SOLE   0 0 2,712
VANGUARD INDEX FDS TOTAL STK MKT 922908769   562,716 2,943 SH   SOLE   0 0 2,943
YUM BRANDS INC COM 988498101   550,744 4,300 SH   SOLE   0 0 4,300
YUM CHINA HLDGS INC COM 98850P109   218,600 4,000 SH   SOLE   0 0 4,000