The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||||||
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
ABBOTT LABS | COM | 002824100 | 449 | 3,187 | SH | SOLE | 0 | 3,187 | 0 | 0 | |
ABBVIE INC | COM | 00287Y109 | 575 | 4,248 | SH | SOLE | 0 | 4,248 | 0 | 0 | |
ALPHABET INC | CAP STK CL C | 02079K107 | 5,796 | 2,003 | SH | SOLE | 0 | 1,993 | 0 | 10 | |
ALPHABET INC | CAP STK CL A | 02079K305 | 944 | 326 | SH | SOLE | 0 | 326 | 0 | 0 | |
ALPS ETF TR | MED BREAKTHGH | 00162Q593 | 639 | 15,124 | SH | SOLE | 0 | 14,923 | 0 | 201 | |
ALTRIA GROUP INC | COM | 02209S103 | 329 | 6,937 | SH | SOLE | 0 | 6,937 | 0 | 0 | |
AMAZON COM INC | COM | 023135106 | 947 | 284 | SH | SOLE | 0 | 281 | 0 | 3 | |
AMPIO PHARMACEUTICALS INC | COM | 03209T109 | 6 | 10,000 | SH | SOLE | 0 | 10,000 | 0 | 0 | |
ANTHEM INC | COM | 036752103 | 2,763 | 5,961 | SH | SOLE | 0 | 5,961 | 0 | 0 | |
APPLE INC | COM | 037833100 | 15,720 | 88,528 | SH | SOLE | 0 | 88,528 | 0 | 0 | |
AT&T INC | COM | 00206R102 | 449 | 18,269 | SH | SOLE | 0 | 18,269 | 0 | 0 | |
AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 836 | 3,390 | SH | SOLE | 0 | 3,315 | 0 | 75 | |
BECTON DICKINSON & CO | COM | 075887109 | 327 | 1,300 | SH | SOLE | 0 | 1,300 | 0 | 0 | |
BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 1,062 | 3,553 | SH | SOLE | 0 | 3,553 | 0 | 0 | |
BERKSHIRE HILLS BANCORP INC | COM | 084680107 | 232 | 8,146 | SH | SOLE | 0 | 8,146 | 0 | 0 | |
BLACKROCK INC | COM | 09247X101 | 4,674 | 5,105 | SH | SOLE | 0 | 5,105 | 0 | 0 | |
BOOKING HOLDINGS INC | COM | 09857L108 | 3,916 | 1,632 | SH | SOLE | 0 | 1,626 | 0 | 6 | |
CATERPILLAR INC | COM | 149123101 | 1,520 | 7,353 | SH | SOLE | 0 | 7,313 | 0 | 40 | |
CHEVRON CORP NEW | COM | 166764100 | 1,243 | 10,593 | SH | SOLE | 0 | 10,593 | 0 | 0 | |
CISCO SYS INC | COM | 17275R102 | 2,985 | 47,103 | SH | SOLE | 0 | 47,103 | 0 | 0 | |
COCA COLA CO | COM | 191216100 | 303 | 5,119 | SH | SOLE | 0 | 5,119 | 0 | 0 | |
COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 | 2,904 | 32,736 | SH | SOLE | 0 | 32,636 | 0 | 100 | |
COLGATE PALMOLIVE CO | COM | 194162103 | 295 | 3,460 | SH | SOLE | 0 | 3,460 | 0 | 0 | |
COMCAST CORP NEW | CL A | 20030N101 | 337 | 6,690 | SH | SOLE | 0 | 6,690 | 0 | 0 | |
COMMUNITY BK SYS INC | COM | 203607106 | 822 | 11,032 | SH | SOLE | 0 | 11,032 | 0 | 0 | |
CONMED CORP | COM | 207410101 | 1,882 | 13,277 | SH | SOLE | 0 | 13,277 | 0 | 0 | |
COSTCO WHSL CORP NEW | COM | 22160K105 | 3,331 | 5,868 | SH | SOLE | 0 | 5,843 | 0 | 25 | |
CSX CORP | COM | 126408103 | 438 | 11,641 | SH | SOLE | 0 | 11,641 | 0 | 0 | |
CVS HEALTH CORP | COM | 126650100 | 2,458 | 23,830 | SH | SOLE | 0 | 23,830 | 0 | 0 | |
DANAHER CORPORATION | COM | 235851102 | 222 | 674 | SH | SOLE | 0 | 674 | 0 | 0 | |
DEERE & CO | COM | 244199105 | 1,832 | 5,344 | SH | SOLE | 0 | 5,344 | 0 | 0 | |
DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | 509 | 10,714 | SH | SOLE | 0 | 10,714 | 0 | 0 | |
DISNEY WALT CO | COM | 254687106 | 3,412 | 22,029 | SH | SOLE | 0 | 21,814 | 0 | 215 | |
DOLLAR TREE INC | COM | 256746108 | 3,434 | 24,440 | SH | SOLE | 0 | 24,335 | 0 | 105 | |
EDWARDS LIFESCIENCES CORP | COM | 28176E108 | 230 | 1,773 | SH | SOLE | 0 | 1,773 | 0 | 0 | |
EXXON MOBIL CORP | COM | 30231G102 | 1,639 | 26,784 | SH | SOLE | 0 | 26,784 | 0 | 0 | |
GENERAC HLDGS INC | COM | 368736104 | 352 | 1,000 | SH | SOLE | 0 | 1,000 | 0 | 0 | |
GENERAL ELECTRIC CO | COM NEW | 369604301 | 360 | 3,810 | SH | SOLE | 0 | 3,810 | 0 | 0 | |
GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 | 25,821 | 732,087 | SH | SOLE | 0 | 719,456 | 0 | 12,631 | |
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 285 | 745 | SH | SOLE | 0 | 745 | 0 | 0 | |
HERSHEY CO | COM | 427866108 | 241 | 1,244 | SH | SOLE | 0 | 1,244 | 0 | 0 | |
HOME DEPOT INC | COM | 437076102 | 372 | 897 | SH | SOLE | 0 | 897 | 0 | 0 | |
HONEYWELL INTL INC | COM | 438516106 | 3,380 | 16,208 | SH | SOLE | 0 | 16,208 | 0 | 0 | |
IDEXX LABS INC | COM | 45168D104 | 611 | 928 | SH | SOLE | 0 | 928 | 0 | 0 | |
ILLINOIS TOOL WKS INC | COM | 452308109 | 320 | 1,296 | SH | SOLE | 0 | 1,296 | 0 | 0 | |
IMMUCELL CORP | COM PAR | 452525306 | 240 | 30,028 | SH | SOLE | 0 | 30,028 | 0 | 0 | |
INTEL CORP | COM | 458140100 | 2,821 | 54,785 | SH | SOLE | 0 | 54,785 | 0 | 0 | |
INTERNATIONAL BUSINESS MACHS | COM | 459200101 | 707 | 5,287 | SH | SOLE | 0 | 5,287 | 0 | 0 | |
INTUITIVE SURGICAL INC | COM NEW | 46120E602 | 203 | 564 | SH | SOLE | 0 | 564 | 0 | 0 | |
ISHARES INC | MSCI EMERG MKT | 46434G889 | 69,951 | 1,368,110 | SH | SOLE | 0 | 1,313,103 | 0 | 55,007 | |
ISHARES INC | CORE MSCI EMKT | 46434G103 | 826 | 13,795 | SH | SOLE | 0 | 13,795 | 0 | 0 | |
ISHARES TR | MSCI USA VALUE | 46432F388 | 13,738 | 125,492 | SH | SOLE | 0 | 118,642 | 0 | 6,850 | |
ISHARES TR | MSCI USA MMENTM | 46432F396 | 13,684 | 75,260 | SH | SOLE | 0 | 71,529 | 0 | 3,731 | |
ISHARES TR | MSCI INTL MULTFT | 46434V274 | 161,635 | 5,608,423 | SH | SOLE | 0 | 5,352,194 | 0 | 256,229 | |
ISHARES TR | MSCI USA MULTIFT | 46434V282 | 205,243 | 4,408,150 | SH | SOLE | 0 | 4,183,851 | 0 | 224,299 | |
ISHARES TR | MSCI USA SML CP | 46434V290 | 197,337 | 3,446,932 | SH | SOLE | 0 | 3,308,023 | 0 | 138,909 | |
ISHARES TR | INTRM GOV CR ETF | 464288612 | 102,374 | 899,995 | SH | SOLE | 0 | 874,366 | 0 | 25,629 | |
ISHARES TR | ISHS 1-5YR INVS | 464288646 | 8,249 | 153,104 | SH | SOLE | 0 | 150,794 | 0 | 2,310 | |
ISHARES TR | JPMORGAN USD EMG | 464288281 | 7,612 | 69,801 | SH | SOLE | 0 | 69,072 | 0 | 729 | |
ISHARES TR | EXPND TEC SC ETF | 464287549 | 743 | 1,693 | SH | SOLE | 0 | 1,648 | 0 | 45 | |
ISHARES TR | RUS 1000 GRW ETF | 464287614 | 5,417 | 17,725 | SH | SOLE | 0 | 17,725 | 0 | 0 | |
ISHARES TR | RUSSELL 2000 ETF | 464287655 | 621 | 2,792 | SH | SOLE | 0 | 2,792 | 0 | 0 | |
ISHARES TR | TIPS BD ETF | 464287176 | 35,758 | 276,767 | SH | SOLE | 0 | 270,525 | 0 | 6,242 | |
JOHNSON & JOHNSON | COM | 478160104 | 3,785 | 22,123 | SH | SOLE | 0 | 22,078 | 0 | 45 | |
JPMORGAN CHASE & CO | COM | 46625H100 | 5,658 | 35,728 | SH | SOLE | 0 | 35,728 | 0 | 0 | |
KLA CORP | COM NEW | 482480100 | 4,425 | 10,289 | SH | SOLE | 0 | 10,289 | 0 | 0 | |
LAM RESEARCH CORP | COM | 512807108 | 4,509 | 6,270 | SH | SOLE | 0 | 6,270 | 0 | 0 | |
M & T BK CORP | COM | 55261F104 | 3,773 | 24,565 | SH | SOLE | 0 | 24,565 | 0 | 0 | |
MCKESSON CORP | COM | 58155Q103 | 3,803 | 15,301 | SH | SOLE | 0 | 15,221 | 0 | 80 | |
MEDTRONIC PLC | SHS | G5960L103 | 2,264 | 21,886 | SH | SOLE | 0 | 21,886 | 0 | 0 | |
MERCK & CO INC | COM | 58933Y105 | 2,652 | 34,598 | SH | SOLE | 0 | 34,598 | 0 | 0 | |
META PLATFORMS INC | CL A | 30303M102 | 4,716 | 14,021 | SH | SOLE | 0 | 13,966 | 0 | 55 | |
MICROSOFT CORP | COM | 594918104 | 7,129 | 21,196 | SH | SOLE | 0 | 21,161 | 0 | 35 | |
MONDELEZ INTL INC | CL A | 609207105 | 3,039 | 45,831 | SH | SOLE | 0 | 45,706 | 0 | 125 | |
MORGAN STANLEY | COM NEW | 617446448 | 499 | 5,082 | SH | SOLE | 0 | 5,082 | 0 | 0 | |
NBT BANCORP INC | COM | 628778102 | 271 | 7,024 | SH | SOLE | 0 | 7,024 | 0 | 0 | |
NETFLIX INC | COM | 64110L106 | 206 | 342 | SH | SOLE | 0 | 342 | 0 | 0 | |
NEXTERA ENERGY INC | COM | 65339F101 | 5,131 | 54,959 | SH | SOLE | 0 | 54,959 | 0 | 0 | |
NIKE INC | CL B | 654106103 | 807 | 4,843 | SH | SOLE | 0 | 4,843 | 0 | 0 | |
NORFOLK SOUTHN CORP | COM | 655844108 | 232 | 780 | SH | SOLE | 0 | 780 | 0 | 0 | |
NORWOOD FINL CORP | COM | 669549107 | 685 | 26,341 | SH | SOLE | 0 | 26,341 | 0 | 0 | |
NVIDIA CORPORATION | COM | 67066G104 | 285 | 968 | SH | SOLE | 0 | 968 | 0 | 0 | |
NXP SEMICONDUCTORS N V | COM | N6596X109 | 4,552 | 19,984 | SH | SOLE | 0 | 19,904 | 0 | 80 | |
ORACLE CORP | COM | 68389X105 | 3,980 | 45,642 | SH | SOLE | 0 | 45,432 | 0 | 210 | |
PEPSICO INC | COM | 713448108 | 4,002 | 23,036 | SH | SOLE | 0 | 23,036 | 0 | 0 | |
PFIZER INC | COM | 717081103 | 3,430 | 58,094 | SH | SOLE | 0 | 58,094 | 0 | 0 | |
PHILIP MORRIS INTL INC | COM | 718172109 | 605 | 6,369 | SH | SOLE | 0 | 6,369 | 0 | 0 | |
PHILLIPS 66 | COM | 718546104 | 1,588 | 21,921 | SH | SOLE | 0 | 21,921 | 0 | 0 | |
PPG INDS INC | COM | 693506107 | 305 | 1,767 | SH | SOLE | 0 | 1,767 | 0 | 0 | |
PROCTER AND GAMBLE CO | COM | 742718109 | 1,275 | 7,795 | SH | SOLE | 0 | 7,795 | 0 | 0 | |
PRUDENTIAL FINL INC | COM | 744320102 | 1,389 | 12,833 | SH | SOLE | 0 | 12,773 | 0 | 60 | |
PUBLIC STORAGE | COM | 74460D109 | 691 | 1,845 | SH | SOLE | 0 | 1,845 | 0 | 0 | |
QUALCOMM INC | COM | 747525103 | 4,552 | 24,891 | SH | SOLE | 0 | 24,891 | 0 | 0 | |
RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | 2,804 | 32,586 | SH | SOLE | 0 | 32,405 | 0 | 181 | |
SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | 258 | 4,900 | SH | SOLE | 0 | 4,900 | 0 | 0 | |
SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 207 | 2,019 | SH | SOLE | 0 | 2,019 | 0 | 0 | |
SKYWORKS SOLUTIONS INC | COM | 83088M102 | 3,445 | 22,205 | SH | SOLE | 0 | 22,105 | 0 | 100 | |
SPDR GOLD TR | GOLD SHS | 78463V107 | 12,478 | 72,990 | SH | SOLE | 0 | 72,403 | 0 | 587 | |
SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 1,029 | 2,167 | SH | SOLE | 0 | 2,167 | 0 | 0 | |
SPDR SER TR | S&P BIOTECH | 78464A870 | 16,304 | 145,624 | SH | SOLE | 0 | 139,433 | 0 | 6,191 | |
SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 | 1,291 | 26,255 | SH | SOLE | 0 | 26,255 | 0 | 0 | |
SPDR SER TR | PORTFOLIO S&P500 | 78464A854 | 205 | 3,665 | SH | SOLE | 0 | 3,665 | 0 | 0 | |
SPDR SER TR | BLOOMBERG INVT | 78468R200 | 1,251 | 40,887 | SH | SOLE | 0 | 40,887 | 0 | 0 | |
SPDR SER TR | PORTFOLIO SHORT | 78464A474 | 248 | 8,000 | SH | SOLE | 0 | 8,000 | 0 | 0 | |
TESLA INC | COM | 88160R101 | 2,301 | 2,177 | SH | SOLE | 0 | 2,177 | 0 | 0 | |
TJX COS INC NEW | COM | 872540109 | 2,762 | 36,380 | SH | SOLE | 0 | 36,380 | 0 | 0 | |
TOMPKINS FINL CORP | COM | 890110109 | 426 | 5,095 | SH | SOLE | 0 | 5,095 | 0 | 0 | |
ULTA BEAUTY INC | COM | 90384S303 | 4,088 | 9,915 | SH | SOLE | 0 | 9,865 | 0 | 50 | |
UNION PAC CORP | COM | 907818108 | 3,415 | 13,555 | SH | SOLE | 0 | 13,505 | 0 | 50 | |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 5,121 | 10,199 | SH | SOLE | 0 | 10,199 | 0 | 0 | |
US BANCORP DEL | COM NEW | 902973304 | 2,599 | 46,265 | SH | SOLE | 0 | 46,265 | 0 | 0 | |
VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | 1,957 | 8,104 | SH | SOLE | 0 | 8,104 | 0 | 0 | |
VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | 576 | 2,261 | SH | SOLE | 0 | 2,261 | 0 | 0 | |
VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 523 | 2,314 | SH | SOLE | 0 | 2,314 | 0 | 0 | |
VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 447 | 1,392 | SH | SOLE | 0 | 1,392 | 0 | 0 | |
VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 349 | 1,238 | SH | SOLE | 0 | 1,238 | 0 | 0 | |
VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | 406 | 6,629 | SH | SOLE | 0 | 6,629 | 0 | 0 | |
VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 22,955 | 418,046 | SH | SOLE | 0 | 411,046 | 0 | 7,000 | |
VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | 718 | 8,000 | SH | SOLE | 0 | 8,000 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | 127,345 | 1,567,125 | SH | SOLE | 0 | 1,529,632 | 0 | 37,493 | |
VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 | 265 | 2,500 | SH | SOLE | 0 | 2,500 | 0 | 0 | |
VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | 12,043 | 181,185 | SH | SOLE | 0 | 179,815 | 0 | 1,370 | |
VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | 15,270 | 251,032 | SH | SOLE | 0 | 243,866 | 0 | 7,166 | |
VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | 3,102 | 18,062 | SH | SOLE | 0 | 18,062 | 0 | 0 | |
VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | 1,105 | 17,375 | SH | SOLE | 0 | 17,375 | 0 | 0 | |
VANGUARD TAX-MANAGED INTL FD | FTSE DEV MKT ETF | 921943858 | 602 | 11,787 | SH | SOLE | 0 | 11,787 | 0 | 0 | |
VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 | 26,886 | 201,924 | SH | SOLE | 0 | 189,398 | 0 | 12,526 | |
VANGUARD WHITEHALL FDS | EMERG MKT BD ETF | 921946885 | 14,756 | 190,013 | SH | SOLE | 0 | 184,842 | 0 | 5,171 | |
VENTAS INC | COM | 92276F100 | 1,845 | 36,095 | SH | SOLE | 0 | 36,095 | 0 | 0 | |
VERIZON COMMUNICATIONS INC | COM | 92343V104 | 1,468 | 28,249 | SH | SOLE | 0 | 28,249 | 0 | 0 | |
VISA INC | COM CL A | 92826C839 | 4,617 | 21,304 | SH | SOLE | 0 | 21,174 | 0 | 130 | |
WASTE MGMT INC DEL | COM | 94106L109 | 227 | 1,363 | SH | SOLE | 0 | 1,363 | 0 | 0 | |
WORLD GOLD TR | SPDR GLD MINIS | 98149E204 | 37,474 | 2,061,274 | SH | SOLE | 0 | 1,983,419 | 0 | 77,855 |