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

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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 221,625 2,019 SH SOLE 0 0 2,019
AMAZON COM INC COM 023135106 562,800 6,700 SH SOLE 0 0 6,700
APPLE INC COM 037833100 3,345,329 25,747 SH SOLE 0 0 25,747
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 958,208 3,102 SH SOLE 0 0 3,102
COMMUNITY BK SYS INC COM 203607106 251,800 4,000 SH SOLE 0 0 4,000
DANAHER CORPORATION COM 235851102 803,957 3,029 SH SOLE 0 0 3,029
ISHARES TR CORE S&P500 ETF 464287200 1,274,579 3,317 SH SOLE 0 0 3,317
ISHARES TR CORE US AGGBD ET 464287226 4,164,465 42,937 SH SOLE 0 0 42,937
ISHARES TR S&P 500 GRWT ETF 464287309 508,482 8,692 SH SOLE 0 0 8,692
ISHARES TR 20 YR TR BD ETF 464287432 25,866,258 259,806 SH SOLE 0 0 259,806
ISHARES TR 7-10 YR TRSY BD 464287440 26,368,782 275,306 SH SOLE 0 0 275,306
ISHARES TR 1 3 YR TREAS BD 464287457 3,784,170 46,620 SH SOLE 0 0 46,620
ISHARES TR RUS MDCP VAL ETF 464287473 360,274 3,420 SH SOLE 0 0 3,420
ISHARES TR RUS MD CP GR ETF 464287481 317,262 3,795 SH SOLE 0 0 3,795
ISHARES TR CORE S&P MCP ETF 464287507 16,789,583 69,410 SH SOLE 0 0 69,410
ISHARES TR RUS 2000 GRW ETF 464287648 274,157 1,278 SH SOLE 0 0 1,278
ISHARES TR CORE S&P US VLU 464287663 399,844 5,661 SH SOLE 0 0 5,661
ISHARES TR CORE S&P US GWT 464287671 395,375 4,850 SH SOLE 0 0 4,850
ISHARES TR CORE S&P SCP ETF 464287804 43,284,822 457,363 SH SOLE 0 0 457,363
ISHARES TR SP SMCP600VL ETF 464287879 7,085,157 77,595 SH SOLE 0 0 77,595
ISHARES TR S&P SML 600 GWT 464287887 538,423 4,982 SH SOLE 0 0 4,982
ISHARES TR GL CLEAN ENE ETF 464288224 269,269 13,565 SH SOLE 0 0 13,565
ISHARES TR ISHS 1-5YR INVS 464288646 2,674,537 53,684 SH SOLE 0 0 53,684
ISHARES TR 10-20 YR TRS ETF 464288653 2,217,474 20,498 SH SOLE 0 0 20,498
ISHARES TR 3 7 YR TREAS BD 464288661 23,218,252 202,091 SH SOLE 0 0 202,091
ISHARES TR SHORT TREAS BD 464288679 7,485,385 68,098 SH SOLE 0 0 68,098
JOHNSON & JOHNSON COM 478160104 372,584 2,109 SH SOLE 0 0 2,109
MICROSOFT CORP COM 594918104 1,041,260 4,342 SH SOLE 0 0 4,342
PEPSICO INC COM 713448108 244,252 1,352 SH SOLE 0 0 1,352
PFIZER INC COM 717081103 357,959 6,986 SH SOLE 0 0 6,986
PROCTER AND GAMBLE CO COM 742718109 234,160 1,545 SH SOLE 0 0 1,545
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 770,384 17,192 SH SOLE 0 0 17,192
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 227,213 3,463 SH SOLE 0 0 3,463
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 229,479 3,038 SH SOLE 0 0 3,038
SCHWAB STRATEGIC TR US REIT ETF 808524847 204,879 10,621 SH SOLE 0 0 10,621
TYLER TECHNOLOGIES INC COM 902252105 335,306 1,040 SH SOLE 0 0 1,040
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,175,242 27,496 SH SOLE 0 0 27,496
VANGUARD WORLD FD ESG INTL STK ETF 921910725 691,218 14,052 SH SOLE 0 0 14,052
VANGUARD WORLD FD ESG US STK ETF 921910733 8,158,295 123,873 SH SOLE 0 0 123,873
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 325,902 1,545 SH SOLE 0 0 1,545
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 16,155,533 102,869 SH SOLE 0 0 102,869
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 25,495,868 147,111 SH SOLE 0 0 147,111
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,835,319 157,217 SH SOLE 0 0 157,217
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,328,171 222,258 SH SOLE 0 0 222,258
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 36,706,704 339,217 SH SOLE 0 0 339,217
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,868,484 27,901 SH SOLE 0 0 27,901
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,156,687 132,291 SH SOLE 0 0 132,291
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 892,238 16,094 SH SOLE 0 0 16,094
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 75,854,802 215,901 SH SOLE 0 0 215,901
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 546,014 4,037 SH SOLE 0 0 4,037
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 24,135,942 292,628 SH SOLE 0 0 292,628
VANGUARD INDEX FDS SML CP GRW ETF 922908595 15,371,907 76,653 SH SOLE 0 0 76,653
VANGUARD INDEX FDS SM CP VAL ETF 922908611 664,019 4,181 SH SOLE 0 0 4,181
VANGUARD INDEX FDS GROWTH ETF 922908736 18,296,342 85,854 SH SOLE 0 0 85,854
VANGUARD INDEX FDS VALUE ETF 922908744 826,762 5,890 SH SOLE 0 0 5,890
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,449,818 18,796 SH SOLE 0 0 18,796
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,984,237 26,070 SH SOLE 0 0 26,070
ALPHABET INC CAP STK CL C 02079K107 425,460 4,795 SH SOLE 0 0 4,795
ALPHABET INC CAP STK CL A 02079K305 233,545 2,647 SH SOLE 0 0 2,647
COSTCO WHSL CORP NEW COM 22160K105 368,176 807 SH SOLE 0 0 807
EXXON MOBIL CORP COM 30231G102 612,111 5,550 SH SOLE 0 0 5,550
INVESCO QQQ TR UNIT SER 1 46090E103 635,078 2,385 SH SOLE 0 0 2,385
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 857,894 16,619 SH SOLE 0 0 16,619
ISHARES TR US TREAS BD ETF 46429B267 8,505,702 374,371 SH SOLE 0 0 374,371
ISHARES TR 0-5 YR TIPS ETF 46429B747 242,400 2,500 SH SOLE 0 0 2,500
ISHARES INC CORE MSCI EMKT 46434G103 2,264,343 48,487 SH SOLE 0 0 48,487
ISHARES INC ESG AWR MSCI EM 46434G863 222,698 7,406 SH SOLE 0 0 7,406
ISHARES TR ESG AWRE 1 5 YR 46435G243 632,211 26,597 SH SOLE 0 0 26,597
ISHARES TR ESG AWR US AGRGT 46435U549 869,037 18,593 SH SOLE 0 0 18,593
ISHARES TR ESG AWARE MSCI 46435U663 465,778 14,166 SH SOLE 0 0 14,166
MERCK & CO INC COM 58933Y105 224,674 2,025 SH SOLE 0 0 2,025
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 2,295,039 67,028 SH SOLE 0 0 67,028
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,359,754 3,556 SH SOLE 0 0 3,556
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,377,483 86,392 SH SOLE 0 0 86,392
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,383,261 17,543 SH SOLE 0 0 17,543
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 239,231 3,209 SH SOLE 0 0 3,209
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 304,844 3,104 SH SOLE 0 0 3,104
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 764,559 6,144 SH SOLE 0 0 6,144
UNITEDHEALTH GROUP INC COM 91324P102 242,292 457 SH SOLE 0 0 457
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 704,020 3,675 SH SOLE 0 0 3,675
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 967,890 3,902 SH SOLE 0 0 3,902
VANGUARD WORLD FDS INF TECH ETF 92204A702 515,407 1,614 SH SOLE 0 0 1,614
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,062,266 35,667 SH SOLE 0 0 35,667
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,246,779 43,181 SH SOLE 0 0 43,181
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,774,147 32,187 SH SOLE 0 0 32,187
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 716,789 12,257 SH SOLE 0 0 12,257
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,078,165 49,954 SH SOLE 0 0 49,954
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 306,185 4,520 SH SOLE 0 0 4,520
NYMOX PHARMACEUTICAL CORP COM P73398102 2,970 10,000 SH SOLE 0 0 10,000