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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   910,113 8,906 SH   SOLE   0 0 8,906
ABBOTT LABS COM 002824100   337,825 3,251 SH   SOLE   0 0 3,251
ABBVIE INC COM 00287Y109   381,717 2,225 SH   SOLE   0 0 2,225
ADOBE INC COM 00724F101   379,989 684 SH   SOLE   0 0 684
ADVANCED MICRO DEVICES INC COM 007903107   507,880 3,131 SH   SOLE   0 0 3,131
AIR PRODS & CHEMS INC COM 009158106   412,209 1,597 SH   SOLE   0 0 1,597
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   218,349 3,032 SH   SOLE   0 0 3,032
ALPHABET INC CAP STK CL A 02079K305   840,021 4,611 SH   SOLE   0 0 4,611
ALPHABET INC CAP STK CL C 02079K107   705,560 3,846 SH   SOLE   0 0 3,846
ALPS ETF TR SECTR DIV DOGS 00162Q858   226,427 4,285 SH   SOLE   0 0 4,285
AMAZON COM INC COM 023135106   1,390,241 7,194 SH   SOLE   0 0 7,194
AMERICAN EXPRESS CO COM 025816109   261,883 1,131 SH   SOLE   0 0 1,131
AMGEN INC COM 031162100   2,008,954 6,429 SH   SOLE   0 0 6,429
AON PLC SHS CL A G0403H108   505,502 1,721 SH   SOLE   0 0 1,721
APPLE INC COM 037833100   7,236,409 34,357 SH   SOLE   0 0 34,357
APPLIED MATLS INC COM 038222105   471,857 1,999 SH   SOLE   0 0 1,999
ARM HOLDINGS PLC SPONSORED ADS 042068205   374,035 2,286 SH   SOLE   0 0 2,286
ASTRAZENECA PLC SPONSORED ADR 046353108   281,016 3,603 SH   SOLE   0 0 3,603
AT&T INC COM 00206R102   630,909 33,014 SH   SOLE   0 0 33,014
BANK AMERICA CORP COM 060505104   566,576 14,246 SH   SOLE   0 0 14,246
BANK NEW YORK MELLON CORP COM 064058100   262,737 4,387 SH   SOLE   0 0 4,387
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,121,836 24,881 SH   SOLE   0 0 24,881
BILL HOLDINGS INC COM 090043100   230,844 4,387 SH   SOLE   0 0 4,387
BLACKSTONE INC COM 09260D107   2,424,898 19,587 SH   SOLE   0 0 19,587
BRISTOL-MYERS SQUIBB CO COM 110122108   224,753 5,411 SH   SOLE   0 0 5,411
BROADCOM INC COM 11135F101   296,245 184 SH   SOLE   0 0 184
CATERPILLAR INC COM 149123101   3,313,535 9,947 SH   SOLE   0 0 9,947
CHEVRON CORP NEW COM 166764100   3,037,399 19,418 SH   SOLE   0 0 19,418
CISCO SYS INC COM 17275R102   1,386,558 29,184 SH   SOLE   0 0 29,184
CITIZENS & NORTHN CORP COM 172922106   590,736 33,020 SH   SOLE   0 0 33,020
CITIZENS FINL SVCS INC COM 174615104   1,843,810 41,028 SH   SOLE   0 0 41,028
CLEVELAND-CLIFFS INC NEW COM 185899101   209,528 13,614 SH   SOLE   0 0 13,614
COCA COLA CO COM 191216100   1,720,620 27,032 SH   SOLE   0 0 27,032
COLGATE PALMOLIVE CO COM 194162103   309,326 3,187 SH   SOLE   0 0 3,187
CONOCOPHILLIPS COM 20825C104   275,993 2,412 SH   SOLE   0 0 2,412
CONSTELLATION ENERGY CORP COM 21037T109   237,409 1,185 SH   SOLE   0 0 1,185
CORNING INC COM 219350105   310,231 7,985 SH   SOLE   0 0 7,985
DATADOG INC CL A COM 23804L103   451,321 3,480 SH   SOLE   0 0 3,480
DISNEY WALT CO COM 254687106   275,842 2,778 SH   SOLE   0 0 2,778
DNP SELECT INCOME FD INC COM 23325P104   191,033 23,240 SH   SOLE   0 0 23,240
DOMINION ENERGY INC COM 25746U109   314,684 6,422 SH   SOLE   0 0 6,422
DOW INC COM 260557103   1,189,206 22,416 SH   SOLE   0 0 22,416
DRAFTKINGS INC NEW COM CL A 26142V105   283,031 7,415 SH   SOLE   0 0 7,415
DUKE ENERGY CORP NEW COM NEW 26441C204   518,223 5,170 SH   SOLE   0 0 5,170
EA SERIES TRUST US QUAN MOMENTUM 02072L409   205,787 3,532 SH   SOLE   0 0 3,532
EA SERIES TRUST GADSDN DYN MLT 02072L870   428,067 13,686 SH   SOLE   0 0 13,686
ELI LILLY & CO COM 532457108   2,512,213 2,774 SH   SOLE   0 0 2,774
ENTERGY CORP NEW COM 29364G103   424,108 3,963 SH   SOLE   0 0 3,963
EQT CORP COM 26884L109   238,662 6,453 SH   SOLE   0 0 6,453
EVERGY INC COM 30034W106   276,915 5,227 SH   SOLE   0 0 5,227
EXXON MOBIL CORP COM 30231G102   3,026,928 26,293 SH   SOLE   0 0 26,293
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113   362,916 11,860 SH   SOLE   0 0 11,860
GE AEROSPACE COM NEW 369604301   454,676 2,860 SH   SOLE   0 0 2,860
GOLDMAN SACHS GROUP INC COM 38141G104   1,211,652 2,678 SH   SOLE   0 0 2,678
HECLA MNG CO COM 422704106   395,401 81,526 SH   SOLE   0 0 81,526
HERSHEY CO COM 427866108   506,368 2,754 SH   SOLE   0 0 2,754
HOME DEPOT INC COM 437076102   784,506 2,278 SH   SOLE   0 0 2,278
HONEYWELL INTL INC COM 438516106   553,187 2,590 SH   SOLE   0 0 2,590
ILLINOIS TOOL WKS INC COM 452308109   309,637 1,306 SH   SOLE   0 0 1,306
INTEL CORP COM 458140100   457,380 14,768 SH   SOLE   0 0 14,768
INTERNATIONAL BUSINESS MACHS COM 459200101   2,153,396 12,450 SH   SOLE   0 0 12,450
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   18,189,416 92,280 SH   SOLE   0 0 92,280
INVESCO EXCH TRADED FD TR II KBW PPTY CASUT 46138E586   240,158 2,344 SH   SOLE   0 0 2,344
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   211,108 1,285 SH   SOLE   0 0 1,285
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   3,026,040 29,441 SH   SOLE   0 0 29,441
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   336,268 3,236 SH   SOLE   0 0 3,236
INVESCO QQQ TR UNIT SER 1 46090E103   20,312,051 42,395 SH   SOLE   0 0 42,395
ISHARES INC MSCI EMRG CHN 46434G764   202,477 3,420 SH   SOLE   0 0 3,420
ISHARES SILVER TR ISHARES 46428Q109   499,596 18,803 SH   SOLE   0 0 18,803
ISHARES TR 0-5YR HI YL CP 46434V407   4,691,026 111,161 SH   SOLE   0 0 111,161
ISHARES TR MSCI USA ESG SLC 464288802   232,660 2,070 SH   SOLE   0 0 2,070
ISHARES TR 7-10 YR TRSY BD 464287440   9,713,809 103,724 SH   SOLE   0 0 103,724
ISHARES TR NATIONAL MUN ETF 464288414   9,042,703 84,868 SH   SOLE   0 0 84,868
ISHARES TR US AER DEF ETF 464288760   461,108 3,491 SH   SOLE   0 0 3,491
ISHARES TR CORE S&P MCP ETF 464287507   31,448,028 537,389 SH   SOLE   0 0 537,389
ISHARES TR GLOBAL 100 ETF 464287572   5,135,301 53,171 SH   SOLE   0 0 53,171
ISHARES TR CORE S&P TTL STK 464287150   5,441,886 45,814 SH   SOLE   0 0 45,814
ISHARES TR CORE US AGGBD ET 464287226   20,200,801 208,105 SH   SOLE   0 0 208,105
ISHARES TR CORE S&P500 ETF 464287200   68,296,211 124,803 SH   SOLE   0 0 124,803
ISHARES TR CORE S&P SCP ETF 464287804   29,373,891 275,397 SH   SOLE   0 0 275,397
ISHARES TR CORE S&P US GWT 464287671   17,263,136 135,418 SH   SOLE   0 0 135,418
ISHARES TR 1 3 YR TREAS BD 464287457   3,937,245 48,221 SH   SOLE   0 0 48,221
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   249,923 4,409 SH   SOLE   0 0 4,409
J P MORGAN EXCHANGE TRADED F BETABLDRS 1-5YR 46641Q258   586,232 12,343 SH   SOLE   0 0 12,343
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,616,502 269,793 SH   SOLE   0 0 269,793
JOHNSON & JOHNSON COM 478160104   1,993,261 13,637 SH   SOLE   0 0 13,637
JPMORGAN CHASE & CO. COM 46625H100   4,594,098 22,713 SH   SOLE   0 0 22,713
LAM RESEARCH CORP COM 512807108   259,335 243 SH   SOLE   0 0 243
LOCKHEED MARTIN CORP COM 539830109   825,670 1,767 SH   SOLE   0 0 1,767
M & T BK CORP COM 55261F104   1,521,995 10,055 SH   SOLE   0 0 10,055
MARATHON PETE CORP COM 56585A102   233,710 1,347 SH   SOLE   0 0 1,347
MASTERCARD INCORPORATED CL A 57636Q104   387,368 878 SH   SOLE   0 0 878
MCDONALDS CORP COM 580135101   564,542 2,215 SH   SOLE   0 0 2,215
MERCK & CO INC COM 58933Y105   3,321,431 26,829 SH   SOLE   0 0 26,829
META PLATFORMS INC CL A 30303M102   690,789 1,370 SH   SOLE   0 0 1,370
MICROSOFT CORP COM 594918104   5,611,854 12,555 SH   SOLE   0 0 12,555
MORGAN STANLEY COM NEW 617446448   421,943 4,341 SH   SOLE   0 0 4,341
NEXTERA ENERGY INC COM 65339F101   755,555 10,670 SH   SOLE   0 0 10,670
NOVO-NORDISK A S ADR 670100205   469,944 3,292 SH   SOLE   0 0 3,292
NVIDIA CORPORATION COM 67066G104   2,865,994 23,198 SH   SOLE   0 0 23,198
ORACLE CORP COM 68389X105   473,200 3,351 SH   SOLE   0 0 3,351
PACER FDS TR US CASH COWS 100 69374H881   16,145,450 296,301 SH   SOLE   0 0 296,301
PACER FDS TR DATA AND INFRAST 69374H741   501,606 18,346 SH   SOLE   0 0 18,346
PALO ALTO NETWORKS INC COM 697435105   521,736 1,539 SH   SOLE   0 0 1,539
PENNS WOODS BANCORP INC COM 708430103   1,784,629 86,843 SH   SOLE   0 0 86,843
PEPSICO INC COM 713448108   1,227,659 7,443 SH   SOLE   0 0 7,443
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   161,656 11,156 SH   SOLE   0 0 11,156
PFIZER INC COM 717081103   1,365,973 48,819 SH   SOLE   0 0 48,819
PHILIP MORRIS INTL INC COM 718172109   279,560 2,758 SH   SOLE   0 0 2,758
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   501,985 4,987 SH   SOLE   0 0 4,987
PIMCO MUN INCOME FD COM 72200R107   271,239 29,578 SH   SOLE   0 0 29,578
PNC FINL SVCS GROUP INC COM 693475105   329,527 2,119 SH   SOLE   0 0 2,119
PPL CORP COM 69351T106   745,009 26,944 SH   SOLE   0 0 26,944
PROCTER AND GAMBLE CO COM 742718109   2,233,889 13,545 SH   SOLE   0 0 13,545
PROGRESSIVE CORP COM 743315103   328,403 1,581 SH   SOLE   0 0 1,581
PRUDENTIAL FINL INC COM 744320102   457,883 3,907 SH   SOLE   0 0 3,907
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   365,167 4,954 SH   SOLE   0 0 4,954
ROCKWELL AUTOMATION INC COM 773903109   249,939 907 SH   SOLE   0 0 907
RTX CORPORATION COM 75513E101   528,556 5,265 SH   SOLE   0 0 5,265
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   351,560 5,471 SH   SOLE   0 0 5,471
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   27,920,383 359,058 SH   SOLE   0 0 359,058
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   725,986 11,547 SH   SOLE   0 0 11,547
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   314,455 3,118 SH   SOLE   0 0 3,118
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,213,136 15,841 SH   SOLE   0 0 15,841
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,151,693 16,901 SH   SOLE   0 0 16,901
SELECT SECTOR SPDR TR INDL 81369Y704   257,463 2,112 SH   SOLE   0 0 2,112
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   278,756 3,156 SH   SOLE   0 0 3,156
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,505,069 10,326 SH   SOLE   0 0 10,326
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   11,099,412 288,971 SH   SOLE   0 0 288,971
SHELL PLC SPON ADS 780259305   218,538 3,027 SH   SOLE   0 0 3,027
SMITH A O CORP COM 831865209   255,146 3,119 SH   SOLE   0 0 3,119
SOFI TECHNOLOGIES INC COM 83406F102   612,284 92,630 SH   SOLE   0 0 92,630
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,788,142 7,128 SH   SOLE   0 0 7,128
SPDR GOLD TR GOLD SHS 78463V107   658,764 3,063 SH   SOLE   0 0 3,063
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   243,974 4,368 SH   SOLE   0 0 4,368
SPDR S&P 500 ETF TR TR UNIT 78462F103   496,453 912 SH   SOLE   0 0 912
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   1,781,790 179,435 SH   SOLE   0 0 179,435
TEXAS INSTRS INC COM 882508104   438,222 2,252 SH   SOLE   0 0 2,252
THE CIGNA GROUP COM 125523100   227,816 689 SH   SOLE   0 0 689
THERMO FISHER SCIENTIFIC INC COM 883556102   269,606 487 SH   SOLE   0 0 487
UNION PAC CORP COM 907818108   403,918 1,785 SH   SOLE   0 0 1,785
UNITED PARCEL SERVICE INC CL B 911312106   202,135 1,477 SH   SOLE   0 0 1,477
UNITED RENTALS INC COM 911363109   367,071 567 SH   SOLE   0 0 567
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   3,922,687 15,046 SH   SOLE   0 0 15,046
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,122,337 4,195 SH   SOLE   0 0 4,195
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   790,794 9,441 SH   SOLE   0 0 9,441
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,579,795 13,156 SH   SOLE   0 0 13,156
VANGUARD INDEX FDS VALUE ETF 922908744   2,458,270 15,324 SH   SOLE   0 0 15,324
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   256,178 3,836 SH   SOLE   0 0 3,836
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   483,481 4,292 SH   SOLE   0 0 4,292
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   24,056,660 549,740 SH   SOLE   0 0 549,740
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   468,667 9,352 SH   SOLE   0 0 9,352
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   35,317,551 441,856 SH   SOLE   0 0 441,856
VANGUARD STAR FDS VG TL INTL STK F 921909768   215,153 3,568 SH   SOLE   0 0 3,568
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,477,460 373,886 SH   SOLE   0 0 373,886
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   921,279 7,774 SH   SOLE   0 0 7,774
VANGUARD WORLD FD INF TECH ETF 92204A702   595,094 1,032 SH   SOLE   0 0 1,032
VERIZON COMMUNICATIONS INC COM 92343V104   1,713,920 41,559 SH   SOLE   0 0 41,559
VERTIV HOLDINGS CO COM CL A 92537N108   274,953 3,176 SH   SOLE   0 0 3,176
VISA INC COM CL A 92826C839   493,807 1,881 SH   SOLE   0 0 1,881
WALMART INC COM 931142103   872,185 12,881 SH   SOLE   0 0 12,881
WASTE MGMT INC DEL COM 94106L109   496,316 2,326 SH   SOLE   0 0 2,326
WEC ENERGY GROUP INC COM 92939U106   391,199 4,985 SH   SOLE   0 0 4,985
WELLS FARGO CO NEW COM 949746101   520,366 8,761 SH   SOLE   0 0 8,761
WELLTOWER INC COM 95040Q104   262,618 2,519 SH   SOLE   0 0 2,519
WISDOMTREE TR GLB HIGH DIV FD 97717W877   3,180,063 63,566 SH   SOLE   0 0 63,566