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
ALPHABET INC CLASS A COM 02079K305 5,996 4,910 SH   SOLE   0 0 4,910
ALTRIA GROUP INC COM 02209S103 1,290 31,541 SH   SOLE   0 0 31,541
AMAZON COM INC COM 023135106 15,644 9,012 SH   SOLE   0 0 9,012
APPLE INC COM 037833100 10,608 47,363 SH   SOLE   0 0 47,363
APPLIED MATERIALS INC COM 038222105 250 5,000 SH   SOLE   0 0 5,000
CHEVRON CORP COM 166764100 2,844 23,980 SH   SOLE   0 0 23,980
CISCO SYSTEMS INC COM 17275R102 325 6,570 SH   SOLE   0 0 6,570
COCA-COLA CO COM 191216100 4,744 87,138 SH   SOLE   0 0 87,138
CORNING INC COM 219350105 5,302 185,906 SH   SOLE   0 0 185,906
CVS CORP COM 126650100 5,571 88,335 SH   SOLE   0 0 88,335
DISCOVER FINANCIAL SVCS COM 254709108 3,364 41,490 SH   SOLE   0 0 41,490
ELMIRA SAVINGS BANK COM 289660102 1,786 126,919 SH   SOLE   0 0 126,919
EXXON MOBIL CORP COM 30231G102 2,553 36,151 SH   SOLE   0 0 36,151
GARMIN LTD COM H2906T109 3,377 39,874 SH   SOLE   0 0 39,874
GENERAL ELECTRIC CO COM 369604103 188 21,037 SH   SOLE   0 0 21,037
GOLDMAN SACHS GROUP INC COM 38141G104 1,522 7,346 SH   SOLE   0 0 7,346
INTEL CORP COM 458140100 347 6,726 SH   SOLE   0 0 6,726
INTL BUSINESS MACHINES COM 459200101 353 2,429 SH   SOLE   0 0 2,429
INTUITIVE SURGICAL COM 46120E602 6,638 12,295 SH   SOLE   0 0 12,295
J.P. MORGAN CHASE & CO COM 46625H100 5,924 50,335 SH   SOLE   0 0 50,335
JOHNSON & JOHNSON COM 478160104 318 2,458 SH   SOLE   0 0 2,458
KEYCORP INC COM 493267108 3,511 196,783 SH   SOLE   0 0 196,783
LOWES COMPANIES INC COM 548661107 4,479 40,736 SH   SOLE   0 0 40,736
LYONDELLBASELL INDUSTRIES COM N53745100 4,266 47,685 SH   SOLE   0 0 47,685
MARATHON PETROLEUM CORPORATION COM 56585A102 4,906 80,761 SH   SOLE   0 0 80,761
MEDTRONIC COM G5960L103 7,097 65,339 SH   SOLE   0 0 65,339
MERCK & CO INC COM 58933Y105 267 3,175 SH   SOLE   0 0 3,175
MICROSOFT CORP COM 594918104 3,819 27,466 SH   SOLE   0 0 27,466
MONDELEZ INTERNATIONAL INC COM 609207105 701 12,669 SH   SOLE   0 0 12,669
NORTHROP GRUMMAN CORP COM 666807102 1,734 4,626 SH   SOLE   0 0 4,626
PALO ALTO NETWORKS INC COM 697435105 4,586 22,497 SH   SOLE   0 0 22,497
PEPSICO INC COM 713448108 4,312 31,451 SH   SOLE   0 0 31,451
PHILIP MORRIS INTERNATIONAL IN COM 718172109 1,006 13,248 SH   SOLE   0 0 13,248
ROCHE HOLDING AG COM 771195104 2,443 67,030 SH   SOLE   0 0 67,030
TARGET CORP COM 87612E106 527 4,925 SH   SOLE   0 0 4,925
TC ENERGY CORP COM 89353D107 4,571 88,265 SH   SOLE   0 0 88,265
ULTA BEAUTY INC COM 90384S303 5,257 20,975 SH   SOLE   0 0 20,975
UNION PACIFIC CORP COM 907818108 2,338 14,435 SH   SOLE   0 0 14,435
UNITED TECHNOLOGIES COM 913017109 2,909 21,306 SH   SOLE   0 0 21,306
VERIZON COMMUNICATIONS COM 92343V104 10,502 173,997 SH   SOLE   0 0 173,997
WALT DISNEY CO COM 254687106 291 2,234 SH   SOLE   0 0 2,234
XILINX INC COM 983919101 4,424 46,135 SH   SOLE   0 0 46,135
ZOETIS INC COM 98978v103 2,924 23,469 SH   SOLE   0 0 23,469
INVESCO DEFENSIVE EQUITY ETF COM 46138J775 2,797 51,609 SH   SOLE   0 0 51,609
INVESCO PREFERRED ETF COM 73936T565 398 26,485 SH   SOLE   0 0 26,485
INVESCO S&P 500 EQ WEIGHT HC COM 46137V332 1,987 10,140 SH   SOLE   0 0 10,140
INVESCO S&P 500 EQ WT TECHNOLO COM 46137V282 6,170 34,503 SH   SOLE   0 0 34,503
ISHARES NASDAQ BIOTECH INDX COM 464287556 7,841 78,808 SH   SOLE   0 0 78,808
ISHARES S&P U.S. PREFERRED STO COM 464288687 1,833 48,839 SH   SOLE   0 0 48,839
JPMORGAN DIVERSIFIED RETURN IN COM 46641Q209 730 13,724 SH   SOLE   0 0 13,724
SCHWAB INTERNATIONAL EQUITY COM 808524805 1,799 56,480 SH   SOLE   0 0 56,480
SCHWAB US LARGE-CAP COM 808524201 17,403 245,359 SH   SOLE   0 0 245,301
SCHWAB US SMALL-CAP COM 808524607 1,330 19,070 SH   SOLE   0 0 19,070
SPDR S&P 500 ETF COM 78462F103 972 3,276 SH   SOLE   0 0 3,276
SPDR S&P 600 SMALL CAP VALUE E COM 78464A300 354 5,773 SH   SOLE   0 0 5,773
WISDOM TREE JAPAN HEDGED EQUIT COM 97717W851 1,347 26,700 SH   SOLE   0 0 26,700
INVESCO BULLETSHARES 2020 CORP COM 46138J502 361 16,970 SH   SOLE   0 0 16,970
ISHARES AAA - A RATED CORPORAT COM 46429b291 2,557 46,665 SH   SOLE   0 0 46,665
PIMCO ETF TRUST COM 72201R783 1,359 13,618 SH   SOLE   0 0 13,618
PIMCO INVESTMENT GRADE CORP BO COM 72201R817 2,875 26,203 SH   SOLE   0 0 26,203
PIMCO TOTAL RETURN ETF COM 72201R775 212 1,950 SH   SOLE   0 0 1,950
SCHWAB US AGGREGATE BOND COM 808524839 1,810 33,613 SH   SOLE   0 0 33,613
SPDR SERIES TRUST - NUVEEN BAR COM 78468R721 208 4,104 SH   SOLE   0 0 4,104
ISHARES TR COMEX GOLD COM 464285105 283 20,069 SH   SOLE   0 0 20,069