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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102   381,628 22,743 SH   SOLE   0 0 22,743
ABBOTT LABS COM 002824100   275,175 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109   387,425 2,500 SH   SOLE   0 0 2,500
ABRDN ETFS BBRG ALL COMD K1 003261104   493,486 25,490 SH   SOLE   0 0 25,490
APPLE INC COM 037833100   1,223,913 6,357 SH   SOLE   0 0 6,357
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   666,954 1,870 SH   SOLE   0 0 1,870
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   1,292,720 14,300 SH   SOLE   0 0 14,300
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834   519,215 10,571 SH   SOLE   0 0 10,571
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   619,450 25,951 SH   SOLE   0 0 25,951
CHEVRON CORP NEW COM 166764100   229,706 1,540 SH   SOLE   0 0 1,540
COMCAST CORP NEW CL A 20030N101   348,871 7,956 SH   SOLE   0 0 7,956
F N B CORP COM 302520101   781,778 56,774 SH   SOLE   0 0 56,774
FNCB BANCORP INC COM 302578109   704,748 103,792 SH   SOLE   0 0 103,792
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   282,286 6,694 SH   SOLE   0 0 6,694
GAIA INC NEW CL A 36269P104   1,020,095 377,813 SH   SOLE   0 0 377,813
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   7,047,470 105,092 SH   SOLE   0 0 105,092
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,622,849 47,040 SH   SOLE   0 0 47,040
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   6,999,427 205,684 SH   SOLE   0 0 205,684
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   581,338 18,508 SH   SOLE   0 0 18,508
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   8,582,467 349,449 SH   SOLE   0 0 349,449
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   12,707,743 517,416 SH   SOLE   0 0 517,416
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,418,515 70,224 SH   SOLE   0 0 70,224
INTERNATIONAL BUSINESS MACHS COM 459200101   593,359 3,628 SH   SOLE   0 0 3,628
ISHARES TR SELECT DIVID ETF 464287168   5,648,576 48,188 SH   SOLE   0 0 48,188
ISHARES TR CORE S&P500 ETF 464287200   23,929,263 50,100 SH   SOLE   0 0 50,100
ISHARES TR CORE US AGGBD ET 464287226   4,243,732 42,758 SH   SOLE   0 0 42,758
ISHARES TR MSCI EAFE ETF 464287465   4,375,287 58,066 SH   SOLE   0 0 58,066
ISHARES TR CORE S&P MCP ETF 464287507   3,001,257 10,829 SH   SOLE   0 0 10,829
ISHARES TR COHEN STEER REIT 464287564   1,409,637 24,002 SH   SOLE   0 0 24,002
ISHARES TR RUS 1000 GRW ETF 464287614   4,367,770 14,407 SH   SOLE   0 0 14,407
ISHARES TR RUS 1000 ETF 464287622   1,492,522 5,691 SH   SOLE   0 0 5,691
ISHARES TR RUS 2000 VAL ETF 464287630   575,187 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,915,739 9,545 SH   SOLE   0 0 9,545
ISHARES TR CORE S&P SCP ETF 464287804   1,777,032 16,416 SH   SOLE   0 0 16,416
ISHARES TR GL TIMB FORE ETF 464288174   562,190 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   353,794 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   783,494 25,120 SH   SOLE   0 0 25,120
ISHARES TR EAFE VALUE ETF 464288877   502,244 9,640 SH   SOLE   0 0 9,640
ISHARES TR US TREAS BD ETF 46429B267   1,026,916 44,571 SH   SOLE   0 0 44,571
ISHARES TR A RATE CP BD ETF 46429B291   5,752,883 119,528 SH   SOLE   0 0 119,528
ISHARES TR CORE HIGH DV ETF 46429B663   1,183,485 11,604 SH   SOLE   0 0 11,604
ISHARES TR MSCI USA QLT FCT 46432F339   3,362,149 22,850 SH   SOLE   0 0 22,850
ISHARES TR MSCI USA VALUE 46432F388   1,176,150 11,627 SH   SOLE   0 0 11,627
ISHARES TR CORE MSCI EAFE 46432F842   2,310,153 32,838 SH   SOLE   0 0 32,838
ISHARES INC CORE MSCI EMKT 46434G103   578,028 11,428 SH   SOLE   0 0 11,428
ISHARES TR CORE TOTAL USD 46434V613   882,471 19,155 SH   SOLE   0 0 19,155
ISHARES TR CORE DIV GRWTH 46434V621   628,671 11,681 SH   SOLE   0 0 11,681
ISHARES TR MSCI INTL VLU FT 46435G409   939,329 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   365,331 3,482 SH   SOLE   0 0 3,482
JOHNSON & JOHNSON COM 478160104   430,722 2,748 SH   SOLE   0 0 2,748
KIMBERLY-CLARK CORP COM 494368103   267,687 2,203 SH   SOLE   0 0 2,203
LISTED FD TR HORIZON KINETICS 53656F623   473,026 15,031 SH   SOLE   0 0 15,031
M & T BK CORP COM 55261F104   281,014 2,050 SH   SOLE   0 0 2,050
MCDONALDS CORP COM 580135101   400,289 1,350 SH   SOLE   0 0 1,350
MICROSOFT CORP COM 594918104   244,426 650 SH   SOLE   0 0 650
NORFOLK SOUTHN CORP COM 655844108   531,855 2,250 SH   SOLE   0 0 2,250
PPL CORP COM 69351T106   538,585 19,874 SH   SOLE   0 0 19,874
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888   4,534,799 258,983 SH   SOLE   0 0 258,983
PROCTER AND GAMBLE CO COM 742718109   270,073 1,843 SH   SOLE   0 0 1,843
PROSHARES TR MSCI EAFE DIVD 74347B839   2,945,095 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,611,812 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   276,780 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,800,113 14,307 SH   SOLE   0 0 14,307
SPDR GOLD TR GOLD SHS 78463V107   208,375 1,090 SH   SOLE   0 0 1,090
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,126,394 24,156 SH   SOLE   0 0 24,156
SPDR SER TR PORTFOLIO AGRGTE 78464A649   12,308,174 480,038 SH   SOLE   0 0 480,038
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   606,454 22,280 SH   SOLE   0 0 22,280
SPDR SER TR BLOOMBERG INVT 78468R200   704,763 23,039 SH   SOLE   0 0 23,039
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   430,081 4,706 SH   SOLE   0 0 4,706
SPDR SER TR PORTFOLIO S&P600 78468R853   424,837 10,072 SH   SOLE   0 0 10,072
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   474,976 8,532 SH   SOLE   0 0 8,532
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   30,932,806 548,454 SH   SOLE   0 0 548,454
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   955,113 13,625 SH   SOLE   0 0 13,625
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,500,012 74,090 SH   SOLE   0 0 74,090
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,683,677 36,554 SH   SOLE   0 0 36,554
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,193,631 140,520 SH   SOLE   0 0 140,520
SCHWAB STRATEGIC TR US TIPS ETF 808524870   367,999 7,050 SH   SOLE   0 0 7,050
TRUIST FINL CORP COM 89832Q109   303,039 8,208 SH   SOLE   0 0 8,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,562,894 20,909 SH   SOLE   0 0 20,909
VANGUARD STAR FDS VG TL INTL STK F 921909768   228,246 3,938 SH   SOLE   0 0 3,938
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   515,341 6,691 SH   SOLE   0 0 6,691
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   649,373 8,829 SH   SOLE   0 0 8,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,051,071 27,332 SH   SOLE   0 0 27,332
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,579,744 70,327 SH   SOLE   0 0 70,327
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,231,406 89,101 SH   SOLE   0 0 89,101
VANGUARD WORLD FD INF TECH ETF 92204A702   4,129,004 8,531 SH   SOLE   0 0 8,531
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   15,536,183 276,740 SH   SOLE   0 0 276,740
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   5,042,960 62,182 SH   SOLE   0 0 62,182
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,514,417 49,254 SH   SOLE   0 0 49,254
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   226,881 2,568 SH   SOLE   0 0 2,568
VANGUARD INDEX FDS MID CAP ETF 922908629   221,008 950 SH   SOLE   0 0 950
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,791,663 44,885 SH   SOLE   0 0 44,885
VANGUARD INDEX FDS GROWTH ETF 922908736   674,610 2,170 SH   SOLE   0 0 2,170
VANGUARD INDEX FDS VALUE ETF 922908744   598,000 4,000 SH   SOLE   0 0 4,000
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,000,731 4,691 SH   SOLE   0 0 4,691
VANGUARD INDEX FDS TOTAL STK MKT 922908769   700,153 2,951 SH   SOLE   0 0 2,951
VERIZON COMMUNICATIONS INC COM 92343V104   371,043 9,842 SH   SOLE   0 0 9,842
YUM BRANDS INC COM 988498101   581,437 4,450 SH   SOLE   0 0 4,450