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   439,773 27,572 SH   SOLE   0 0 27,572
ABBOTT LABS COM 002824100   274,621 2,519 SH   SOLE   0 0 2,519
ABBVIE INC COM 00287Y109   340,193 2,525 SH   SOLE   0 0 2,525
ABRDN ETFS BBRG ALL COMD K1 003261104   747,835 37,095 SH   SOLE   0 0 37,095
APPLE INC COM 037833100   570,078 2,939 SH   SOLE   0 0 2,939
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   694,958 2,038 SH   SOLE   0 0 2,038
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   251,476 10,692 SH   SOLE   0 0 10,692
COMCAST CORP NEW CL A 20030N101   358,784 8,635 SH   SOLE   0 0 8,635
EXXON MOBIL CORP COM 30231G102   729,515 6,802 SH   SOLE   0 0 6,802
F N B CORP COM 302520101   649,495 56,774 SH   SOLE   0 0 56,774
FNCB BANCORP INC COM 302578109   619,638 103,792 SH   SOLE   0 0 103,792
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   415,163 8,115 SH   SOLE   0 0 8,115
GAIA INC NEW CL A 36269P104   1,763,819 763,558 SH   SOLE   0 0 763,558
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   5,624,424 89,962 SH   SOLE   0 0 89,962
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   8,494,442 84,885 SH   SOLE   0 0 84,885
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   1,283,645 38,398 SH   SOLE   0 0 38,398
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   829,053 26,572 SH   SOLE   0 0 26,572
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   3,093,038 126,972 SH   SOLE   0 0 126,972
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   15,040,988 621,272 SH   SOLE   0 0 621,272
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,233,109 65,854 SH   SOLE   0 0 65,854
INTERNATIONAL BUSINESS MACHS COM 459200101   474,223 3,544 SH   SOLE   0 0 3,544
ISHARES TR SELECT DIVID ETF 464287168   5,457,661 48,170 SH   SOLE   0 0 48,170
ISHARES TR CORE S&P500 ETF 464287200   22,111,227 49,609 SH   SOLE   0 0 49,609
ISHARES TR CORE US AGGBD ET 464287226   1,867,417 19,065 SH   SOLE   0 0 19,065
ISHARES TR MSCI EAFE ETF 464287465   4,075,533 56,214 SH   SOLE   0 0 56,214
ISHARES TR CORE S&P MCP ETF 464287507   1,705,373 6,522 SH   SOLE   0 0 6,522
ISHARES TR COHEN STEER REIT 464287564   1,233,376 22,195 SH   SOLE   0 0 22,195
ISHARES TR RUS 1000 GRW ETF 464287614   4,936,179 17,938 SH   SOLE   0 0 17,938
ISHARES TR RUS 1000 ETF 464287622   1,387,124 5,691 SH   SOLE   0 0 5,691
ISHARES TR RUS 2000 VAL ETF 464287630   521,382 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,692,620 9,038 SH   SOLE   0 0 9,038
ISHARES TR CORE S&P SCP ETF 464287804   1,633,961 16,397 SH   SOLE   0 0 16,397
ISHARES TR GL TIMB FORE ETF 464288174   495,771 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   332,811 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   3,849,564 124,461 SH   SOLE   0 0 124,461
ISHARES TR CORE HIGH DV ETF 46429B663   8,785,260 87,164 SH   SOLE   0 0 87,164
ISHARES TR MSCI USA QLT FCT 46432F339   2,819,322 20,904 SH   SOLE   0 0 20,904
ISHARES TR MSCI USA VALUE 46432F388   1,098,237 11,710 SH   SOLE   0 0 11,710
ISHARES TR CORE TOTAL USD 46434V613   872,024 19,178 SH   SOLE   0 0 19,178
ISHARES TR CORE DIV GRWTH 46434V621   601,922 11,681 SH   SOLE   0 0 11,681
ISHARES TR MSCI INTL VLU FT 46435G409   901,770 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   278,638 2,859 SH   SOLE   0 0 2,859
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   202,176 3,654 SH   SOLE   0 0 3,654
JOHNSON & JOHNSON COM 478160104   414,131 2,502 SH   SOLE   0 0 2,502
KIMBERLY-CLARK CORP COM 494368103   211,646 1,533 SH   SOLE   0 0 1,533
LISTED FD TR HORIZON KINETICS 53656F623   459,498 15,031 SH   SOLE   0 0 15,031
M & T BK CORP COM 55261F104   253,708 2,050 SH   SOLE   0 0 2,050
MCDONALDS CORP COM 580135101   355,406 1,191 SH   SOLE   0 0 1,191
MICROSOFT CORP COM 594918104   227,481 668 SH   SOLE   0 0 668
NORFOLK SOUTHN CORP COM 655844108   340,140 1,500 SH   SOLE   0 0 1,500
PGIM ETF TR TOTAL RETURN BON 69344A800   1,196,346 28,938 SH   SOLE   0 0 28,938
PPL CORP COM 69351T106   598,684 22,626 SH   SOLE   0 0 22,626
PROCTER AND GAMBLE CO COM 742718109   286,333 1,887 SH   SOLE   0 0 1,887
PROSHARES TR MSCI EAFE DIVD 74347B839   2,817,964 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,586,572 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   224,260 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,712,902 17,400 SH   SOLE   0 0 17,400
SPDR SER TR PORTFOLIO AGRGTE 78464A649   8,733,014 344,226 SH   SOLE   0 0 344,226
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   2,345,783 88,088 SH   SOLE   0 0 88,088
SPDR SER TR BLOOMBERG INVT 78468R200   707,067 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   266,442 6,860 SH   SOLE   0 0 6,860
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   441,104 8,532 SH   SOLE   0 0 8,532
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   24,189,965 461,905 SH   SOLE   0 0 461,905
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   529,072 7,886 SH   SOLE   0 0 7,886
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,975,465 67,933 SH   SOLE   0 0 67,933
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,564,146 36,554 SH   SOLE   0 0 36,554
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,969,228 139,389 SH   SOLE   0 0 139,389
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,342,494 25,605 SH   SOLE   0 0 25,605
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,208,967 19,756 SH   SOLE   0 0 19,756
VANGUARD STAR FDS VG TL INTL STK F 921909768   220,843 3,938 SH   SOLE   0 0 3,938
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   708,393 9,374 SH   SOLE   0 0 9,374
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   660,243 9,083 SH   SOLE   0 0 9,083
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,899,105 27,332 SH   SOLE   0 0 27,332
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,978,140 79,613 SH   SOLE   0 0 79,613
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,622,935 76,401 SH   SOLE   0 0 76,401
VANGUARD WORLD FD INF TECH ETF 92204A702   3,772,067 8,531 SH   SOLE   0 0 8,531
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   12,686,780 233,170 SH   SOLE   0 0 233,170
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   4,049,905 53,556 SH   SOLE   0 0 53,556
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,905,096 37,935 SH   SOLE   0 0 37,935
VANGUARD INDEX FDS MID CAP ETF 922908629   231,388 1,051 SH   SOLE   0 0 1,051
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,691,840 47,809 SH   SOLE   0 0 47,809
VANGUARD INDEX FDS GROWTH ETF 922908736   614,023 2,170 SH   SOLE   0 0 2,170
VANGUARD INDEX FDS VALUE ETF 922908744   569,537 4,008 SH   SOLE   0 0 4,008
VANGUARD INDEX FDS SMALL CP ETF 922908751   543,169 2,731 SH   SOLE   0 0 2,731
VANGUARD INDEX FDS TOTAL STK MKT 922908769   663,991 3,014 SH   SOLE   0 0 3,014
VERIZON COMMUNICATIONS INC COM 92343V104   490,239 13,182 SH   SOLE   0 0 13,182
YUM BRANDS INC COM 988498101   595,765 4,300 SH   SOLE   0 0 4,300
YUM CHINA HLDGS INC COM 98850P109   226,000 4,000 SH   SOLE   0 0 4,000