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
ISHARES TR MSCI USA MULTIFT 46434V282 166,298 4,414,600 SH   SOLE 0 4,249,154 0 165,446
GENERAL ELECTRIC CO COM 369604103 327 30,301 SH   SOLE 0 30,301 0 0
ISHARES TR EXPND TEC SC ETF 464287549 13,949 39,875 SH   SOLE 0 38,342 0 1,533
SPDR SER TR BLOMBERG BRC INV 78468R200 1,192 38,952 SH   SOLE 0 38,952 0 0
BECTON DICKINSON & CO COM 075887109 325 1,300 SH   SOLE 0 1,300 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 778 2,082 SH   SOLE 0 2,082 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 3,216 39,249 SH   SOLE 0 36,699 0 2,550
AMPIO PHARMACEUTICALS INC COM 03209T109 302 190,000 SH   SOLE 0 190,000 0 0
UNION PAC CORP COM 907818108 3,228 15,503 SH   SOLE 0 14,728 0 775
ARK ETF TR INNOVATION ETF 00214Q104 331 2,660 SH   SOLE 0 2,660 0 0
PRUDENTIAL FINL INC COM 744320102 1,271 16,280 SH   SOLE 0 15,235 0 1,045
CATERPILLAR INC COM 149123101 1,525 8,380 SH   SOLE 0 7,930 0 450
QUALCOMM INC COM 747525103 4,587 30,113 SH   SOLE 0 28,556 0 1,557
APPLE INC COM 037833100 14,884 112,169 SH   SOLE 0 109,874 0 2,295
ISHARES INC MSCI EMERG MKT 46434G889 62,531 1,272,766 SH   SOLE 0 1,222,811 0 49,955
PHILIP MORRIS INTL INC COM 718172109 620 7,486 SH   SOLE 0 7,486 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 218 2,388 SH   SOLE 0 2,388 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 387 1,527 SH   SOLE 0 1,527 0 0
INTEL CORP COM 458140100 3,291 66,055 SH   SOLE 0 63,315 0 2,740
COMMUNITY BK SYS INC COM 203607106 690 11,066 SH   SOLE 0 11,066 0 0
COMCAST CORP NEW CL A 20030N101 353 6,743 SH   SOLE 0 6,743 0 0
JPMORGAN CHASE & CO COM 46625H100 5,853 46,058 SH   SOLE 0 44,029 0 2,029
EXXON MOBIL CORP COM 30231G102 1,099 26,655 SH   SOLE 0 26,655 0 0
CHEVRON CORP NEW COM 166764100 1,650 19,538 SH   SOLE 0 18,318 0 1,220
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 382 6,545 SH   SOLE 0 6,545 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 487 6,639 SH   SOLE 0 6,104 0 535
ISHARES INC CORE MSCI EMKT 46434G103 631 10,178 SH   SOLE 0 10,178 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 902 15,000 SH   SOLE 0 15,000 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,438 24,354 SH   SOLE 0 24,354 0 0
NXP SEMICONDUCTORS N V COM N6596X109 4,140 26,036 SH   SOLE 0 24,692 0 1,344
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 202 5,616 SH   SOLE 0 5,616 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 623 3,535 SH   SOLE 0 3,390 0 145
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 791 5,000 SH   SOLE 0 5,000 0 0
SPDR SER TR S&P BIOTECH 78464A870 18,049 128,207 SH   SOLE 0 122,971 0 5,236
TJX COS INC NEW COM 872540109 2,918 42,731 SH   SOLE 0 40,541 0 2,190
PUBLIC STORAGE COM 74460D109 426 1,845 SH   SOLE 0 1,845 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 4,136 27,053 SH   SOLE 0 25,608 0 1,445
COCA COLA CO COM 191216100 269 4,902 SH   SOLE 0 4,902 0 0
VANGUARD WELLINGTON FD US MINIMUM 921935409 1,681 18,784 SH   SOLE 0 17,877 0 907
VENTAS INC COM 92276F100 2,474 50,453 SH   SOLE 0 47,501 0 2,952
TESLA INC COM 88160R101 1,730 2,451 SH   SOLE 0 2,451 0 0
DOLLAR TREE INC COM 256746108 3,240 29,985 SH   SOLE 0 28,330 0 1,655
VERIZON COMMUNICATIONS INC COM 92343V104 2,752 46,850 SH   SOLE 0 44,585 0 2,265
CSX CORP COM 126408103 356 3,928 SH   SOLE 0 3,928 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 22,047 691,139 SH   SOLE 0 678,927 0 12,212
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,717 37,989 SH   SOLE 0 36,091 0 1,898
ISHARES TR MSCI USA SML CP 46434V290 142,751 3,119,880 SH   SOLE 0 2,994,890 0 124,990
MICROSOFT CORP COM 594918104 6,108 27,460 SH   SOLE 0 26,270 0 1,190
ALPHABET INC CAP STK CL A 02079K305 564 322 SH   SOLE 0 322 0 0
BOOKING HOLDINGS INC COM 09857L108 4,345 1,951 SH   SOLE 0 1,861 0 90
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,194 100,550 SH   SOLE 0 93,450 0 7,100
VANGUARD WELLINGTON FD US MOMENTUM 921935508 21,436 190,289 SH   SOLE 0 183,418 0 6,871
MORGAN STANLEY COM NEW 617446448 348 5,082 SH   SOLE 0 5,082 0 0
BLACKROCK INC COM 09247X101 4,646 6,439 SH   SOLE 0 6,149 0 290
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 23,296 422,103 SH   SOLE 0 414,303 0 7,800
PACIFIC BIOSCIENCES CALIF IN COM 69404D108 441 17,000 SH   SOLE 0 17,000 0 0
MEDTRONIC PLC SHS G5960L103 2,987 25,499 SH   SOLE 0 24,274 0 1,225
M & T BK CORP COM 55261F104 4,001 31,430 SH   SOLE 0 30,246 0 1,184
JOHNSON & JOHNSON COM 478160104 3,643 23,149 SH   SOLE 0 22,379 0 770
DISNEY WALT CO COM 254687106 4,669 25,773 SH   SOLE 0 24,544 0 1,229
PFIZER INC COM 717081103 2,471 67,137 SH   SOLE 0 64,252 0 2,885
DEERE & CO COM 244199105 1,713 6,367 SH   SOLE 0 6,027 0 340
ABBOTT LABS COM 002824100 357 3,260 SH   SOLE 0 3,260 0 0
PEPSICO INC COM 713448108 3,816 25,729 SH   SOLE 0 24,809 0 920
ISHARES TR TIPS BD ETF 464287176 30,509 239,008 SH   SOLE 0 233,101 0 5,907
IPG PHOTONICS CORP COM 44980X109 380 1,700 SH   SOLE 0 1,700 0 0
NEXTERA ENERGY INC COM 65339F101 4,746 61,515 SH   SOLE 0 58,830 0 2,685
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 626 13,264 SH   SOLE 0 13,264 0 0
CVS HEALTH CORP COM 126650100 1,971 28,860 SH   SOLE 0 27,280 0 1,580
COSTCO WHSL CORP NEW COM 22160K105 2,571 6,823 SH   SOLE 0 6,488 0 335
TRAVELERS COMPANIES INC COM 89417E109 1,727 12,300 SH   SOLE 0 11,575 0 725
AMAZON COM INC COM 023135106 1,394 428 SH   SOLE 0 423 0 5
TRAVELCENTERS OF AMERICA INC COM NEW 89421B109 284 8,700 SH   SOLE 0 8,700 0 0
AT&T INC COM 00206R102 295 10,247 SH   SOLE 0 10,247 0 0
MERCK & CO. INC COM 58933Y105 3,324 40,641 SH   SOLE 0 38,636 0 2,005
NBT BANCORP INC COM 628778102 217 6,774 SH   SOLE 0 6,774 0 0
BOEING CO COM 097023105 305 1,423 SH   SOLE 0 1,423 0 0
TOMPKINS FINL CORP COM 890110109 360 5,095 SH   SOLE 0 5,095 0 0
ORACLE CORP COM 68389X105 3,628 56,090 SH   SOLE 0 53,035 0 3,055
COLGATE PALMOLIVE CO COM 194162103 392 4,580 SH   SOLE 0 4,580 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 417 5,028 SH   SOLE 0 5,028 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 28,570 1,508,454 SH   SOLE 0 1,450,061 0 58,393
PROCTER AND GAMBLE CO COM 742718109 760 5,461 SH   SOLE 0 5,461 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 131,075 4,822,481 SH   SOLE 0 4,617,114 0 205,367
ISHARES TR MSCI USA VALUE 46432F388 14,651 168,582 SH   SOLE 0 162,902 0 5,680
ISHARES TR JPMORGAN USD EMG 464288281 6,988 60,289 SH   SOLE 0 59,549 0 740
NIKE INC CL B 654106103 768 5,428 SH   SOLE 0 5,428 0 0
ULTA BEAUTY INC COM 90384S303 3,625 12,625 SH   SOLE 0 11,936 0 689
COHERENT INC COM 192479103 439 2,925 SH   SOLE 0 2,925 0 0
US BANCORP DEL COM NEW 902973304 2,733 58,671 SH   SOLE 0 55,349 0 3,322
ISHARES TR INTRM GOV CR ETF 464288612 94,086 799,782 SH   SOLE 0 783,201 0 16,581
CISCO SYS INC COM 17275R102 2,447 54,672 SH   SOLE 0 52,416 0 2,256
BRISTOL-MYERS SQUIBB CO COM 110122108 208 3,352 SH   SOLE 0 3,352 0 0
GENERAC HLDGS INC COM 368736104 227 1,000 SH   SOLE 0 1,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 807 3,482 SH   SOLE 0 3,482 0 0
ABBVIE INC COM 00287Y109 448 4,180 SH   SOLE 0 4,180 0 0
VISA INC COM CL A 92826C839 5,537 25,315 SH   SOLE 0 23,940 0 1,375
VANGUARD INDEX FDS SML CP GRW ETF 922908595 331 1,238 SH   SOLE 0 1,238 0 0
NORWOOD FINL CORP COM 669549107 1,097 41,901 SH   SOLE 0 41,901 0 0
MONDELEZ INTL INC CL A 609207105 3,087 52,796 SH   SOLE 0 50,186 0 2,610
FACEBOOK INC CL A 30303M102 4,786 17,521 SH   SOLE 0 16,605 0 916
KLA CORP COM NEW 482480100 3,578 13,820 SH   SOLE 0 13,080 0 740
VANGUARD INDEX FDS SMALL CP ETF 922908751 463 2,380 SH   SOLE 0 2,380 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,646 8,457 SH   SOLE 0 8,457 0 0
ALTRIA GROUP INC COM 02209S103 296 7,228 SH   SOLE 0 7,228 0 0
HOME DEPOT INC COM 437076102 267 1,007 SH   SOLE 0 1,007 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 599 6,250 SH   SOLE 0 6,250 0 0
MCKESSON CORP COM 58155Q103 3,194 18,363 SH   SOLE 0 17,283 0 1,080
INTERNATIONAL BUSINESS MACHS COM 459200101 706 5,610 SH   SOLE 0 5,610 0 0
NOKIA CORP SPONSORED ADR 654902204 164 42,003 SH   SOLE 0 42,003 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,489 12,800 SH   SOLE 0 12,110 0 690
NOVOCURE LTD ORD SHS G6674U108 656 3,790 SH   SOLE 0 3,790 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 73,413 881,835 SH   SOLE 0 861,153 0 20,682
3M CO COM 88579Y101 205 1,170 SH   SOLE 0 1,170 0 0
BERKSHIRE HILLS BANCORP INC COM 084680107 174 10,146 SH   SOLE 0 10,146 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,879 24,378 SH   SOLE 0 24,378 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 12,328 149,796 SH   SOLE 0 145,914 0 3,882
ISHARES TR RUSSELL 2000 ETF 464287655 599 3,055 SH   SOLE 0 3,055 0 0
CONMED CORP COM 207410101 1,323 11,815 SH   SOLE 0 11,815 0 0
SPDR GOLD TR GOLD SHS 78463V107 13,170 73,839 SH   SOLE 0 73,250 0 589
ANTHEM INC COM 036752103 2,242 6,984 SH   SOLE 0 6,614 0 370
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2,625 23,635 SH   SOLE 0 23,635 0 0
PHILLIPS 66 COM 718546104 2,578 36,855 SH   SOLE 0 34,621 0 2,234
ALPHABET INC CAP STK CL C 02079K107 5,038 2,876 SH   SOLE 0 2,721 0 155
HONEYWELL INTL INC COM 438516106 4,229 19,884 SH   SOLE 0 18,927 0 957
SPDR SER TR NUVEEN BLMBRG SR 78468R739 6,278 126,080 SH   SOLE 0 124,830 0 1,250
ISHARES TR CORE S&P500 ETF 464287200 218 580 SH   SOLE 0 580 0 0
ISHARES TR SHORT TREAS BD 464288679 601 5,438 SH   SOLE 0 5,438 0 0
LAM RESEARCH CORP COM 512807108 4,002 8,473 SH   SOLE 0 8,033 0 440
IMMUCELL CORP COM PAR 452525306 179 30,028 SH   SOLE 0 30,028 0 0
ISHARES TR MSCI USA MMENTM 46432F396 10,068 62,424 SH   SOLE 0 60,447 0 1,977
THERMO FISHER SCIENTIFIC INC COM 883556102 250 536 SH   SOLE 0 536 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 479 2,261 SH   SOLE 0 2,261 0 0
PPG INDS INC COM 693506107 257 1,782 SH   SOLE 0 1,782 0 0