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
AT&T INC COM 00206R102   400,277 22,743 SH   SOLE   0 0 22,743
ABBOTT LABS COM 002824100   284,150 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109   455,250 2,500 SH   SOLE   0 0 2,500
ABRDN ETFS BBRG ALL COMD K1 003261104   569,910 28,827 SH   SOLE   0 0 28,827
APPLE INC COM 037833100   926,506 5,403 SH   SOLE   0 0 5,403
ASSERTIO HOLDINGS INC COM NEW 04546C205   12,063 12,575 SH   SOLE   0 0 12,575
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   786,372 1,870 SH   SOLE   0 0 1,870
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   1,427,140 14,300 SH   SOLE   0 0 14,300
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834   540,636 10,571 SH   SOLE   0 0 10,571
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   669,017 25,951 SH   SOLE   0 0 25,951
CHEVRON CORP NEW COM 166764100   242,920 1,540 SH   SOLE   0 0 1,540
COMCAST CORP NEW CL A 20030N101   344,893 7,956 SH   SOLE   0 0 7,956
EXXON MOBIL CORP COM 30231G102   207,488 1,785 SH   SOLE   0 0 1,785
F N B CORP COM 302520101   800,513 56,774 SH   SOLE   0 0 56,774
FNCB BANCORP INC COM 302578109   630,017 103,792 SH   SOLE   0 0 103,792
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   232,148 6,694 SH   SOLE   0 0 6,694
GAIA INC NEW CL A 36269P104   338,341 109,851 SH   SOLE   0 0 109,851
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   7,976,918 109,558 SH   SOLE   0 0 109,558
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,429,777 43,907 SH   SOLE   0 0 43,907
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   394,813 6,250 SH   SOLE   0 0 6,250
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   7,300,391 216,372 SH   SOLE   0 0 216,372
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   598,995 19,028 SH   SOLE   0 0 19,028
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   8,747,961 358,670 SH   SOLE   0 0 358,670
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   13,725,300 564,827 SH   SOLE   0 0 564,827
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,496,463 70,224 SH   SOLE   0 0 70,224
INTERNATIONAL BUSINESS MACHS COM 459200101   692,803 3,628 SH   SOLE   0 0 3,628
ISHARES TR SELECT DIVID ETF 464287168   5,937,556 48,202 SH   SOLE   0 0 48,202
ISHARES TR CORE S&P500 ETF 464287200   25,911,655 49,287 SH   SOLE   0 0 49,287
ISHARES TR CORE US AGGBD ET 464287226   3,687,539 37,651 SH   SOLE   0 0 37,651
ISHARES TR MSCI EAFE ETF 464287465   4,637,166 58,066 SH   SOLE   0 0 58,066
ISHARES TR CORE S&P MCP ETF 464287507   3,286,641 54,110 SH   SOLE   0 0 54,110
ISHARES TR COHEN STEER REIT 464287564   1,420,170 24,613 SH   SOLE   0 0 24,613
ISHARES TR RUS 1000 GRW ETF 464287614   4,849,812 14,389 SH   SOLE   0 0 14,389
ISHARES TR RUS 1000 ETF 464287622   1,600,871 5,558 SH   SOLE   0 0 5,558
ISHARES TR RUS 2000 VAL ETF 464287630   588,073 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   2,008,013 9,548 SH   SOLE   0 0 9,548
ISHARES TR CORE S&P SCP ETF 464287804   1,804,239 16,325 SH   SOLE   0 0 16,325
ISHARES TR GL TIMB FORE ETF 464288174   583,488 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   354,426 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   864,614 26,826 SH   SOLE   0 0 26,826
ISHARES TR EAFE VALUE ETF 464288877   524,416 9,640 SH   SOLE   0 0 9,640
ISHARES TR US TREAS BD ETF 46429B267   1,014,882 44,571 SH   SOLE   0 0 44,571
ISHARES TR A RATE CP BD ETF 46429B291   5,675,189 119,528 SH   SOLE   0 0 119,528
ISHARES TR CORE HIGH DV ETF 46429B663   1,287,233 11,680 SH   SOLE   0 0 11,680
ISHARES TR MSCI USA QLT FCT 46432F339   3,451,843 21,003 SH   SOLE   0 0 21,003
ISHARES TR MSCI USA VALUE 46432F388   1,212,535 11,195 SH   SOLE   0 0 11,195
ISHARES TR CORE MSCI EAFE 46432F842   2,437,236 32,838 SH   SOLE   0 0 32,838
ISHARES INC CORE MSCI EMKT 46434G103   589,685 11,428 SH   SOLE   0 0 11,428
ISHARES TR CORE TOTAL USD 46434V613   1,003,481 22,011 SH   SOLE   0 0 22,011
ISHARES TR CORE DIV GRWTH 46434V621   678,199 11,681 SH   SOLE   0 0 11,681
ISHARES TR MSCI INTL VLU FT 46435G409   1,000,274 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   400,291 3,482 SH   SOLE   0 0 3,482
JOHNSON & JOHNSON COM 478160104   431,226 2,726 SH   SOLE   0 0 2,726
KIMBERLY-CLARK CORP COM 494368103   284,958 2,203 SH   SOLE   0 0 2,203
LISTED FD TR HORIZON KINETICS 53656F623   489,409 15,031 SH   SOLE   0 0 15,031
M & T BK CORP COM 55261F104   300,968 2,069 SH   SOLE   0 0 2,069
MCDONALDS CORP COM 580135101   380,633 1,350 SH   SOLE   0 0 1,350
MICROSOFT CORP COM 594918104   273,468 650 SH   SOLE   0 0 650
NORFOLK SOUTHN CORP COM 655844108   573,458 2,250 SH   SOLE   0 0 2,250
PPL CORP COM 69351T106   547,131 19,874 SH   SOLE   0 0 19,874
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   175,600 10,000 SH   SOLE   0 0 10,000
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888   5,404,103 297,747 SH   SOLE   0 0 297,747
PROCTER AND GAMBLE CO COM 742718109   299,027 1,843 SH   SOLE   0 0 1,843
PROSHARES TR MSCI EAFE DIVD 74347B839   2,986,211 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,782,183 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   293,520 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,425,006 12,283 SH   SOLE   0 0 12,283
SPDR GOLD TR GOLD SHS 78463V107   224,235 1,090 SH   SOLE   0 0 1,090
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,427,199 28,487 SH   SOLE   0 0 28,487
SPDR SER TR PORTFOLIO AGRGTE 78464A649   12,833,847 507,668 SH   SOLE   0 0 507,668
SPDR SER TR PORTFOLIO S&P500 78464A854   1,017,751 16,541 SH   SOLE   0 0 16,541
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   1,074,958 38,460 SH   SOLE   0 0 38,460
SPDR SER TR BLOOMBERG INVT 78468R200   655,138 21,250 SH   SOLE   0 0 21,250
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   432,011 4,706 SH   SOLE   0 0 4,706
SPDR SER TR PORTFOLIO S&P600 78468R853   433,499 10,072 SH   SOLE   0 0 10,072
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   520,879 8,532 SH   SOLE   0 0 8,532
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   35,583,528 573,373 SH   SOLE   0 0 573,373
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,038,033 13,662 SH   SOLE   0 0 13,662
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,509,895 71,281 SH   SOLE   0 0 71,281
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,852,191 36,554 SH   SOLE   0 0 36,554
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,428,709 139,126 SH   SOLE   0 0 139,126
SCHWAB STRATEGIC TR US TIPS ETF 808524870   286,727 5,497 SH   SOLE   0 0 5,497
TRUIST FINL CORP COM 89832Q109   319,948 8,208 SH   SOLE   0 0 8,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,818,192 20,909 SH   SOLE   0 0 20,909
VANGUARD STAR FDS VG TL INTL STK F 921909768   232,215 3,851 SH   SOLE   0 0 3,851
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   512,999 6,691 SH   SOLE   0 0 6,691
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   641,250 8,829 SH   SOLE   0 0 8,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,306,899 27,332 SH   SOLE   0 0 27,332
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,733,760 70,327 SH   SOLE   0 0 70,327
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,476,374 93,472 SH   SOLE   0 0 93,472
VANGUARD WORLD FD INF TECH ETF 92204A702   4,597,937 8,769 SH   SOLE   0 0 8,769
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   257,576 2,331 SH   SOLE   0 0 2,331
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   17,562,922 299,453 SH   SOLE   0 0 299,453
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   5,667,208 66,626 SH   SOLE   0 0 66,626
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,492,252 49,254 SH   SOLE   0 0 49,254
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   223,868 2,589 SH   SOLE   0 0 2,589
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,025,804 41,816 SH   SOLE   0 0 41,816
VANGUARD INDEX FDS GROWTH ETF 922908736   647,440 1,881 SH   SOLE   0 0 1,881
VANGUARD INDEX FDS VALUE ETF 922908744   550,467 3,380 SH   SOLE   0 0 3,380
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,424,573 6,232 SH   SOLE   0 0 6,232
VANGUARD INDEX FDS TOTAL STK MKT 922908769   756,661 2,911 SH   SOLE   0 0 2,911
VERIZON COMMUNICATIONS INC COM 92343V104   412,970 9,842 SH   SOLE   0 0 9,842
YUM BRANDS INC COM 988498101   616,993 4,450 SH   SOLE   0 0 4,450