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   1,215,078 8,888 SH   SOLE   0 0 8,888
ABBOTT LABS COM 002824100   388,753 3,409 SH   SOLE   0 0 3,409
ABBVIE INC COM 00287Y109   440,327 2,229 SH   SOLE   0 0 2,229
ADOBE INC COM 00724F101   338,110 653 SH   SOLE   0 0 653
ADVANCED MICRO DEVICES INC COM 007903107   533,752 3,253 SH   SOLE   0 0 3,253
AIR PRODS & CHEMS INC COM 009158106   475,610 1,597 SH   SOLE   0 0 1,597
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   216,426 2,039 SH   SOLE   0 0 2,039
ALLSTATE CORP COM 020002101   221,632 1,168 SH   SOLE   0 0 1,168
ALPHABET INC CAP STK CL C 02079K107   633,373 3,788 SH   SOLE   0 0 3,788
ALPHABET INC CAP STK CL A 02079K305   791,831 4,774 SH   SOLE   0 0 4,774
ALPS ETF TR SECTR DIV DOGS 00162Q858   252,743 4,285 SH   SOLE   0 0 4,285
AMAZON COM INC COM 023135106   1,372,693 7,367 SH   SOLE   0 0 7,367
AMERICAN EXPRESS CO COM 025816109   306,727 1,131 SH   SOLE   0 0 1,131
AMGEN INC COM 031162100   2,072,854 6,433 SH   SOLE   0 0 6,433
AON PLC SHS CL A G0403H108   595,745 1,721 SH   SOLE   0 0 1,721
APPLE INC COM 037833100   8,244,110 35,382 SH   SOLE   0 0 35,382
APPLIED MATLS INC COM 038222105   688,338 3,406 SH   SOLE   0 0 3,406
ARM HOLDINGS PLC SPONSORED ADS 042068205   326,921 2,286 SH   SOLE   0 0 2,286
ASTRAZENECA PLC SPONSORED ADR 046353108   280,728 3,603 SH   SOLE   0 0 3,603
AT&T INC COM 00206R102   731,792 33,263 SH   SOLE   0 0 33,263
BANK AMERICA CORP COM 060505104   532,503 13,419 SH   SOLE   0 0 13,419
BANK NEW YORK MELLON CORP COM 064058100   253,278 3,524 SH   SOLE   0 0 3,524
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   11,315,309 24,584 SH   SOLE   0 0 24,584
BLACKSTONE INC COM 09260D107   3,064,315 20,011 SH   SOLE   0 0 20,011
BRISTOL-MYERS SQUIBB CO COM 110122108   301,081 5,819 SH   SOLE   0 0 5,819
BROADCOM INC COM 11135F101   379,457 2,199 SH   SOLE   0 0 2,199
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   206,759 5,900 SH   SOLE   0 0 5,900
CATERPILLAR INC COM 149123101   3,724,060 9,521 SH   SOLE   0 0 9,521
CHEVRON CORP NEW COM 166764100   2,878,761 19,547 SH   SOLE   0 0 19,547
CISCO SYS INC COM 17275R102   1,558,892 29,291 SH   SOLE   0 0 29,291
CITIZENS & NORTHN CORP COM 172922106   640,393 32,523 SH   SOLE   0 0 32,523
CITIZENS FINL SVCS INC COM 174615104   2,415,619 41,116 SH   SOLE   0 0 41,116
CLEVELAND-CLIFFS INC NEW COM 185899101   178,966 14,014 SH   SOLE   0 0 14,014
COCA COLA CO COM 191216100   1,933,900 26,912 SH   SOLE   0 0 26,912
COLGATE PALMOLIVE CO COM 194162103   331,129 3,189 SH   SOLE   0 0 3,189
CONOCOPHILLIPS COM 20825C104   254,180 2,414 SH   SOLE   0 0 2,414
CONSTELLATION ENERGY CORP COM 21037T109   308,513 1,186 SH   SOLE   0 0 1,186
CORNING INC COM 219350105   333,225 7,380 SH   SOLE   0 0 7,380
CUMMINS INC COM 231021106   221,257 683 SH   SOLE   0 0 683
DATADOG INC CL A COM 23804L103   413,756 3,596 SH   SOLE   0 0 3,596
DISNEY WALT CO COM 254687106   267,962 2,785 SH   SOLE   0 0 2,785
DNP SELECT INCOME FD INC COM 23325P104   233,330 23,240 SH   SOLE   0 0 23,240
DOMINION ENERGY INC COM 25746U109   365,692 6,327 SH   SOLE   0 0 6,327
DOW INC COM 260557103   1,231,720 22,546 SH   SOLE   0 0 22,546
DRAFTKINGS INC NEW COM CL A 26142V105   306,740 7,825 SH   SOLE   0 0 7,825
DUKE ENERGY CORP NEW COM NEW 26441C204   597,280 5,180 SH   SOLE   0 0 5,180
EA SERIES TRUST GADSDN DYN MLT 02072L870   354,272 10,690 SH   SOLE   0 0 10,690
EA SERIES TRUST US QUAN MOMENTUM 02072L409   226,733 3,532 SH   SOLE   0 0 3,532
ELI LILLY & CO COM 532457108   2,478,244 2,797 SH   SOLE   0 0 2,797
ENTERGY CORP NEW COM 29364G103   522,327 3,968 SH   SOLE   0 0 3,968
EQT CORP COM 26884L109   200,111 5,461 SH   SOLE   0 0 5,461
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   215,816 8,588 SH   SOLE   0 0 8,588
EXXON MOBIL CORP COM 30231G102   3,101,387 26,457 SH   SOLE   0 0 26,457
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113   380,587 11,860 SH   SOLE   0 0 11,860
GE AEROSPACE COM NEW 369604301   539,456 2,860 SH   SOLE   0 0 2,860
GOLDMAN SACHS GROUP INC COM 38141G104   1,330,506 2,687 SH   SOLE   0 0 2,687
HECLA MNG CO COM 422704106   545,171 81,734 SH   SOLE   0 0 81,734
HERSHEY CO COM 427866108   529,945 2,763 SH   SOLE   0 0 2,763
HOME DEPOT INC COM 437076102   915,079 2,258 SH   SOLE   0 0 2,258
HONEYWELL INTL INC COM 438516106   534,800 2,587 SH   SOLE   0 0 2,587
ILLINOIS TOOL WKS INC COM 452308109   342,449 1,306 SH   SOLE   0 0 1,306
INTEL CORP COM 458140100   340,128 14,498 SH   SOLE   0 0 14,498
INVESCO EXCH TRADED FD TR II KBW PPTY CASUT 46138E586   267,442 2,314 SH   SOLE   0 0 2,314
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   18,931,048 94,254 SH   SOLE   0 0 94,254
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   3,174,256 30,326 SH   SOLE   0 0 30,326
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   283,400 2,474 SH   SOLE   0 0 2,474
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   231,127 1,290 SH   SOLE   0 0 1,290
INVESCO QQQ TR UNIT SER 1 46090E103   20,764,270 42,543 SH   SOLE   0 0 42,543
ISHARES SILVER TR ISHARES 46428Q109   534,193 18,803 SH   SOLE   0 0 18,803
ISHARES TR CORE US AGGBD ET 464287226   20,757,446 204,971 SH   SOLE   0 0 204,971
ISHARES TR CORE S&P500 ETF 464287200   72,236,693 125,232 SH   SOLE   0 0 125,232
ISHARES TR 1 3 YR TREAS BD 464287457   2,506,538 30,144 SH   SOLE   0 0 30,144
ISHARES TR CORE S&P TTL STK 464287150   5,695,931 45,342 SH   SOLE   0 0 45,342
ISHARES TR 0-5YR HI YL CP 46434V407   5,027,211 115,781 SH   SOLE   0 0 115,781
ISHARES TR CORE S&P US GWT 464287671   17,797,331 134,920 SH   SOLE   0 0 134,920
ISHARES TR NATIONAL MUN ETF 464288414   9,219,006 84,866 SH   SOLE   0 0 84,866
ISHARES TR MSCI USA ESG SLC 464288802   249,332 2,071 SH   SOLE   0 0 2,071
ISHARES TR CORE S&P MCP ETF 464287507   33,866,890 543,435 SH   SOLE   0 0 543,435
ISHARES TR US AER DEF ETF 464288760   522,983 3,494 SH   SOLE   0 0 3,494
ISHARES TR CORE S&P SCP ETF 464287804   32,634,104 279,019 SH   SOLE   0 0 279,019
ISHARES TR 7-10 YR TRSY BD 464287440   10,356,406 105,548 SH   SOLE   0 0 105,548
ISHARES TR GLOBAL 100 ETF 464287572   5,302,531 53,474 SH   SOLE   0 0 53,474
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   274,240 4,608 SH   SOLE   0 0 4,608
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   22,927,755 451,867 SH   SOLE   0 0 451,867
J P MORGAN EXCHANGE TRADED F BETABLDRS 1-5YR 46641Q258   627,111 12,880 SH   SOLE   0 0 12,880
JOHNSON & JOHNSON COM 478160104   2,174,365 13,417 SH   SOLE   0 0 13,417
JPMORGAN CHASE & CO. COM 46625H100   4,764,869 22,597 SH   SOLE   0 0 22,597
LAM RESEARCH CORP COM 512807108   211,981 259 SH   SOLE   0 0 259
LOCKHEED MARTIN CORP COM 539830109   1,024,814 1,753 SH   SOLE   0 0 1,753
M & T BK CORP COM 55261F104   1,852,970 10,402 SH   SOLE   0 0 10,402
MARATHON PETE CORP COM 56585A102   236,033 1,448 SH   SOLE   0 0 1,448
MASTERCARD INCORPORATED CL A 57636Q104   434,019 878 SH   SOLE   0 0 878
MCDONALDS CORP COM 580135101   676,511 2,221 SH   SOLE   0 0 2,221
MEDTRONIC PLC SHS G5960L103   217,221 2,412 SH   SOLE   0 0 2,412
MERCK & CO INC COM 58933Y105   2,898,492 25,523 SH   SOLE   0 0 25,523
META PLATFORMS INC CL A 30303M102   770,169 1,345 SH   SOLE   0 0 1,345
MICROSOFT CORP COM 594918104   5,466,936 12,704 SH   SOLE   0 0 12,704
MORGAN STANLEY COM NEW 617446448   443,777 4,257 SH   SOLE   0 0 4,257
NEXTERA ENERGY INC COM 65339F101   902,199 10,673 SH   SOLE   0 0 10,673
NOVO-NORDISK A S ADR 670100205   305,495 2,565 SH   SOLE   0 0 2,565
NVIDIA CORPORATION COM 67066G104   2,855,752 23,515 SH   SOLE   0 0 23,515
ORACLE CORP COM 68389X105   571,110 3,351 SH   SOLE   0 0 3,351
PACER FDS TR US CASH COWS 100 69374H881   17,462,210 301,957 SH   SOLE   0 0 301,957
PALO ALTO NETWORKS INC COM 697435105   464,506 1,359 SH   SOLE   0 0 1,359
PENNS WOODS BANCORP INC COM 708430103   2,029,499 85,326 SH   SOLE   0 0 85,326
PEPSICO INC COM 713448108   1,283,602 7,548 SH   SOLE   0 0 7,548
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   163,361 11,336 SH   SOLE   0 0 11,336
PFIZER INC COM 717081103   1,367,388 47,249 SH   SOLE   0 0 47,249
PHILIP MORRIS INTL INC COM 718172109   336,389 2,770 SH   SOLE   0 0 2,770
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   476,893 4,736 SH   SOLE   0 0 4,736
PIMCO MUN INCOME FD COM 72200R107   307,361 29,783 SH   SOLE   0 0 29,783
PNC FINL SVCS GROUP INC COM 693475105   390,000 2,109 SH   SOLE   0 0 2,109
PPL CORP COM 69351T106   799,542 24,169 SH   SOLE   0 0 24,169
PROCTER AND GAMBLE CO COM 742718109   2,355,393 13,599 SH   SOLE   0 0 13,599
PROGRESSIVE CORP COM 743315103   401,211 1,581 SH   SOLE   0 0 1,581
PRUDENTIAL FINL INC COM 744320102   474,283 3,916 SH   SOLE   0 0 3,916
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   449,083 5,034 SH   SOLE   0 0 5,034
ROCKWELL AUTOMATION INC COM 773903109   244,129 909 SH   SOLE   0 0 909
RTX CORPORATION COM 75513E101   638,484 5,269 SH   SOLE   0 0 5,269
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   771,139 11,592 SH   SOLE   0 0 11,592
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   30,489,203 360,690 SH   SOLE   0 0 360,690
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   381,727 5,626 SH   SOLE   0 0 5,626
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   325,616 3,125 SH   SOLE   0 0 3,125
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,297,090 15,627 SH   SOLE   0 0 15,627
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,574,882 10,225 SH   SOLE   0 0 10,225
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   12,799,055 286,524 SH   SOLE   0 0 286,524
SELECT SECTOR SPDR TR INDL 81369Y704   286,688 2,116 SH   SOLE   0 0 2,116
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,346,818 16,672 SH   SOLE   0 0 16,672
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   304,704 3,161 SH   SOLE   0 0 3,161
SHELL PLC SPON ADS 780259305   200,563 3,041 SH   SOLE   0 0 3,041
SMITH A O CORP COM 831865209   281,383 3,132 SH   SOLE   0 0 3,132
SOFI TECHNOLOGIES INC COM 83406F102   537,404 68,372 SH   SOLE   0 0 68,372
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   3,006,215 7,104 SH   SOLE   0 0 7,104
SPDR GOLD TR GOLD SHS 78463V107   793,318 3,263 SH   SOLE   0 0 3,263
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   251,924 4,368 SH   SOLE   0 0 4,368
SPDR S&P 500 ETF TR TR UNIT 78462F103   524,516 914 SH   SOLE   0 0 914
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   1,875,096 179,435 SH   SOLE   0 0 179,435
TESLA INC COM 88160R101   247,240 945 SH   SOLE   0 0 945
TEXAS INSTRS INC COM 882508104   465,435 2,253 SH   SOLE   0 0 2,253
THE CIGNA GROUP COM 125523100   239,099 690 SH   SOLE   0 0 690
THERMO FISHER SCIENTIFIC INC COM 883556102   301,573 487 SH   SOLE   0 0 487
TRANE TECHNOLOGIES PLC SHS G8994E103   233,238 600 SH   SOLE   0 0 600
UNION PAC CORP COM 907818108   440,015 1,785 SH   SOLE   0 0 1,785
UNITED RENTALS INC COM 911363109   460,513 568 SH   SOLE   0 0 568
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   3,618,853 14,743 SH   SOLE   0 0 14,743
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,170,556 4,133 SH   SOLE   0 0 4,133
VANGUARD INDEX FDS VALUE ETF 922908744   2,697,781 15,453 SH   SOLE   0 0 15,453
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   892,163 9,157 SH   SOLE   0 0 9,157
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,042,833 13,347 SH   SOLE   0 0 13,347
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   26,747,875 558,994 SH   SOLE   0 0 558,994
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   510,580 4,265 SH   SOLE   0 0 4,265
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   273,259 3,843 SH   SOLE   0 0 3,843
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   478,113 9,352 SH   SOLE   0 0 9,352
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   38,430,678 458,873 SH   SOLE   0 0 458,873
VANGUARD STAR FDS VG TL INTL STK F 921909768   242,463 3,745 SH   SOLE   0 0 3,745
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   19,920,700 377,214 SH   SOLE   0 0 377,214
VANGUARD WORLD FD INF TECH ETF 92204A702   624,068 1,064 SH   SOLE   0 0 1,064
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   1,005,195 7,835 SH   SOLE   0 0 7,835
VERIZON COMMUNICATIONS INC COM 92343V104   1,842,045 41,016 SH   SOLE   0 0 41,016
VERTIV HOLDINGS CO COM CL A 92537N108   322,059 3,237 SH   SOLE   0 0 3,237
VISA INC COM CL A 92826C839   515,964 1,876 SH   SOLE   0 0 1,876
WALMART INC COM 931142103   1,052,937 13,039 SH   SOLE   0 0 13,039
WASTE MGMT INC DEL COM 94106L109   483,222 2,327 SH   SOLE   0 0 2,327
WEC ENERGY GROUP INC COM 92939U106   471,977 4,907 SH   SOLE   0 0 4,907
WELLS FARGO CO NEW COM 949746101   495,033 8,763 SH   SOLE   0 0 8,763
WELLTOWER INC COM 95040Q104   316,848 2,474 SH   SOLE   0 0 2,474
WISDOMTREE TR GLB HIGH DIV FD 97717W877   3,690,575 67,315 SH   SOLE   0 0 67,315