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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   531,543 23,344 SH   SOLE   0 0 23,344
ABBOTT LABS COM 002824100   287,865 2,545 SH   SOLE   0 0 2,545
ABBVIE INC COM 00287Y109   467,173 2,629 SH   SOLE   0 0 2,629
ABRDN ETFS BBRG ALL COMD K1 003261104   569,333 28,827 SH   SOLE   0 0 28,827
APPLE INC COM 037833100   1,534,574 6,128 SH   SOLE   0 0 6,128
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   908,373 2,004 SH   SOLE   0 0 2,004
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   1,602,458 14,300 SH   SOLE   0 0 14,300
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834   502,684 10,571 SH   SOLE   0 0 10,571
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   640,211 25,951 SH   SOLE   0 0 25,951
CHEVRON CORP NEW COM 166764100   226,819 1,566 SH   SOLE   0 0 1,566
COMCAST CORP NEW CL A 20030N101   273,969 7,300 SH   SOLE   0 0 7,300
F N B CORP COM 302520101   839,120 56,774 SH   SOLE   0 0 56,774
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   9,483,644 122,813 SH   SOLE   0 0 122,813
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   3,581,367 35,842 SH   SOLE   0 0 35,842
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   29,962,837 898,975 SH   SOLE   0 0 898,975
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   9,398,955 391,460 SH   SOLE   0 0 391,460
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   18,646,691 782,160 SH   SOLE   0 0 782,160
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,659,720 70,224 SH   SOLE   0 0 70,224
INTERNATIONAL BUSINESS MACHS COM 459200101   798,203 3,631 SH   SOLE   0 0 3,631
ISHARES TR SELECT DIVID ETF 464287168   5,627,651 42,864 SH   SOLE   0 0 42,864
ISHARES TR CORE S&P500 ETF 464287200   28,642,163 48,655 SH   SOLE   0 0 48,655
ISHARES TR CORE US AGGBD ET 464287226   3,450,318 35,607 SH   SOLE   0 0 35,607
ISHARES TR MSCI EAFE ETF 464287465   4,048,822 53,549 SH   SOLE   0 0 53,549
ISHARES TR CORE S&P MCP ETF 464287507   3,387,227 54,361 SH   SOLE   0 0 54,361
ISHARES TR COHEN STEER REIT 464287564   2,041,790 33,883 SH   SOLE   0 0 33,883
ISHARES TR RUS 1000 GRW ETF 464287614   5,820,902 14,495 SH   SOLE   0 0 14,495
ISHARES TR RUS 1000 ETF 464287622   2,550,112 7,916 SH   SOLE   0 0 7,916
ISHARES TR RUS 2000 VAL ETF 464287630   607,922 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,963,999 8,888 SH   SOLE   0 0 8,888
ISHARES TR CORE S&P SCP ETF 464287804   2,408,213 20,901 SH   SOLE   0 0 20,901
ISHARES TR GL TIMB FORE ETF 464288174   527,891 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   346,083 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   1,157,290 36,809 SH   SOLE   0 0 36,809
ISHARES TR EAFE VALUE ETF 464288877   505,811 9,640 SH   SOLE   0 0 9,640
ISHARES TR US TREAS BD ETF 46429B267   1,024,242 44,571 SH   SOLE   0 0 44,571
ISHARES TR A RATE CP BD ETF 46429B291   6,145,071 131,333 SH   SOLE   0 0 131,333
ISHARES TR CORE HIGH DV ETF 46429B663   1,349,970 12,025 SH   SOLE   0 0 12,025
ISHARES TR MSCI USA QLT FCT 46432F339   5,222,679 29,328 SH   SOLE   0 0 29,328
ISHARES TR MSCI USA VALUE 46432F388   505,691 4,788 SH   SOLE   0 0 4,788
ISHARES TR CORE MSCI EAFE 46432F842   2,389,590 34,001 SH   SOLE   0 0 34,001
ISHARES INC CORE MSCI EMKT 46434G103   597,971 11,451 SH   SOLE   0 0 11,451
ISHARES TR CORE TOTAL USD 46434V613   994,897 22,011 SH   SOLE   0 0 22,011
ISHARES TR CORE DIV GRWTH 46434V621   716,513 11,681 SH   SOLE   0 0 11,681
ISHARES TR MSCI INTL VLU FT 46435G409   962,757 35,513 SH   SOLE   0 0 35,513
ISHARES TR ESG AWR MSCI USA 46435G425   452,665 3,514 SH   SOLE   0 0 3,514
ISHARES TR 0-3 MNTH TREASRY 46436E718   14,236,192 141,911 SH   SOLE   0 0 141,911
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   27,318,723 538,725 SH   SOLE   0 0 538,725
JOHNSON & JOHNSON COM 478160104   430,245 2,975 SH   SOLE   0 0 2,975
KIMBERLY-CLARK CORP COM 494368103   288,681 2,203 SH   SOLE   0 0 2,203
LISTED FD TR HORIZON KINETICS 53656F623   572,380 15,031 SH   SOLE   0 0 15,031
M & T BK CORP COM 55261F104   201,051 1,069 SH   SOLE   0 0 1,069
MCDONALDS CORP COM 580135101   395,410 1,364 SH   SOLE   0 0 1,364
MICROSOFT CORP COM 594918104   442,154 1,049 SH   SOLE   0 0 1,049
NORFOLK SOUTHN CORP COM 655844108   528,779 2,253 SH   SOLE   0 0 2,253
NVIDIA CORPORATION COM 67066G104   1,090,301 8,119 SH   SOLE   0 0 8,119
PGIM ETF TR AAA CLO ETF 69344A834   1,001,574 19,562 SH   SOLE   0 0 19,562
PPL CORP COM 69351T106   645,110 19,874 SH   SOLE   0 0 19,874
PEOPLES FINL SVCS CORP COM 711040105   775,531 15,153 SH   SOLE   0 0 15,153
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   170,800 10,000 SH   SOLE   0 0 10,000
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888   8,343,220 448,319 SH   SOLE   0 0 448,319
PROCTER AND GAMBLE CO COM 742718109   313,506 1,870 SH   SOLE   0 0 1,870
PROSHARES TR MSCI EAFE DIVD 74347B839   2,817,104 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,731,154 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   302,540 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,932,676 11,829 SH   SOLE   0 0 11,829
SPDR GOLD TR GOLD SHS 78463V107   336,561 1,390 SH   SOLE   0 0 1,390
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,591,467 41,477 SH   SOLE   0 0 41,477
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,431,524 188,442 SH   SOLE   0 0 188,442
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,435,239 62,295 SH   SOLE   0 0 62,295
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,129,381 41,638 SH   SOLE   0 0 41,638
SPDR SER TR PORTFOLIO AGRGTE 78464A649   30,355,953 1,214,724 SH   SOLE   0 0 1,214,724
SPDR SER TR PORTFOLIO S&P500 78464A854   20,710,829 300,418 SH   SOLE   0 0 300,418
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   1,441,147 53,336 SH   SOLE   0 0 53,336
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,067,240 11,673 SH   SOLE   0 0 11,673
SPDR SER TR PORTFOLIO S&P600 78468R853   11,168,313 248,627 SH   SOLE   0 0 248,627
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   586,779 25,849 SH   SOLE   0 0 25,849
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   56,241,238 2,426,283 SH   SOLE   0 0 2,426,283
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,056,567 40,528 SH   SOLE   0 0 40,528
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,706,407 143,326 SH   SOLE   0 0 143,326
SCHWAB STRATEGIC TR MUN BD ETF 808524649   1,186,288 46,195 SH   SOLE   0 0 46,195
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   2,089,365 73,803 SH   SOLE   0 0 73,803
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,298,158 286,387 SH   SOLE   0 0 286,387
SCHWAB STRATEGIC TR US TIPS ETF 808524870   276,395 10,701 SH   SOLE   0 0 10,701
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   1,026,226 25,233 SH   SOLE   0 0 25,233
TRUIST FINL CORP COM 89832Q109   356,063 8,208 SH   SOLE   0 0 8,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,096,687 20,920 SH   SOLE   0 0 20,920
VANGUARD STAR FDS VG TL INTL STK F 921909768   226,939 3,851 SH   SOLE   0 0 3,851
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   315,957 4,089 SH   SOLE   0 0 4,089
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   634,893 8,829 SH   SOLE   0 0 8,829
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   215,716 4,511 SH   SOLE   0 0 4,511
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,701,258 29,009 SH   SOLE   0 0 29,009
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,834,311 72,938 SH   SOLE   0 0 72,938
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   835,487 17,255 SH   SOLE   0 0 17,255
VANGUARD WORLD FD INF TECH ETF 92204A702   8,041,111 12,932 SH   SOLE   0 0 12,932
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   310,677 2,645 SH   SOLE   0 0 2,645
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   26,841,841 467,546 SH   SOLE   0 0 467,546
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   3,055,769 34,208 SH   SOLE   0 0 34,208
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,228,573 64,404 SH   SOLE   0 0 64,404
VANGUARD INDEX FDS MID CAP ETF 922908629   463,986 1,757 SH   SOLE   0 0 1,757
VANGUARD INDEX FDS LARGE CAP ETF 922908637   11,212,566 41,574 SH   SOLE   0 0 41,574
VANGUARD INDEX FDS GROWTH ETF 922908736   774,871 1,888 SH   SOLE   0 0 1,888
VANGUARD INDEX FDS VALUE ETF 922908744   534,916 3,160 SH   SOLE   0 0 3,160
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,903,018 7,920 SH   SOLE   0 0 7,920
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,160,749 4,005 SH   SOLE   0 0 4,005
VERIZON COMMUNICATIONS INC COM 92343V104   393,582 9,842 SH   SOLE   0 0 9,842
YUM BRANDS INC COM 988498101   597,012 4,450 SH   SOLE   0 0 4,450