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
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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
DDD 3D Systems 88554D205 0 25 SH   SOLE   25 0 0
ABT Abbott Labs 002824100 133 1,465 SH   SOLE   1,465 0 0
ABBV AbbVie Inc. 00287Y109 113 1,161 SH   SOLE   1,161 0 0
ACN Accenture Plc G1151C101 30 141 SH   SOLE   141 0 0
AFL AFLAC Inc 001055102 5 164 SH   SOLE   164 0 0
APD Air Prod & Chemicals 009158106 7 32 SH   SOLE   32 0 0
ALC Alcon Inc Ord Shs H01301128 24 425 SH   SOLE   425 0 0
AMRN Amarin Corp PLC ADR 023111206 147 21,300 SH   SOLE   21,300 0 0
AMZN Amazon.com 023135106 606 220 SH   SOLE   220 0 0
UHAL Amerco Inc 023586100 3 10 SH   SOLE   10 0 0
AIG American International Group 026874784 10 351 SH   SOLE   351 0 0
AMT American Tower 03027X100 21 84 SH   SOLE   84 0 0
ADI Analog Devices Inc 032654105 29 241 SH   SOLE   241 0 0
ANTM Anthem Inc 036752103 17 68 SH   SOLE   68 0 0
AAPL Apple 037833100 1,784 4,891 SH   SOLE   4,891 0 0
AJG Arthur J. Gallagher & Co 363576109 10 109 SH   SOLE   109 0 0
ASML ASML Holding NV N07059210 8 22 SH   SOLE   22 0 0
AZN AstraZeneca plc 046353108 20 384 SH   SOLE   384 0 0
T AT&T 00206R102 8 285 SH   SOLE   285 0 0
ACB Aurora Cannabis Inc 05156X884 0 25 SH   SOLE   25 0 0
AROSF AURORA SPINE CORP 05206X108 47 255,000 SH   SOLE   255,000 0 0
ADP Auto Data Processing 053015103 22 153 SH   SOLE   153 0 0
BAC Bank of America Corp 060505104 3 164 SH   SOLE   164 0 0
BDX Becton Dickinson 075887109 38 157 SH   SOLE   157 0 0
84,990,175 Berkshire Hathaway A 084990175 534 200 SH   SOLE   200 0 0
BRKB Berkshire Hathaway B 084670702 412 2,310 SH   SOLE   2,310 0 0
BRK B BERKSHIRE HATHAWAY INCORPORATED CLASS B 084670207 31 175 SH   SOLE   175 0 0
BLK BlackRock 09247X101 6 12 SH   SOLE   12 0 0
BP BP PLC 055622104 15 656 SH   SOLE   656 0 0
BMY Bristol-Myers Squibb 110122108 10 183 SH   SOLE   183 0 0
BR Broadridge Financial Solutions Inc 11133T103 19 152 SH   SOLE   152 0 0
BRO Brown & Brown Inc 115236101 20 504 SH   SOLE   504 0 0
BF.B Brown-Forman Corp 115637209 14 227 SH   SOLE   227 0 0
CNI Canadian Natl Railway 136375102 17 200 SH   SOLE   200 0 0
CP Canadian Pacific Railway Ltd 13645T100 19 75 SH   SOLE   75 0 0
CCL Carnival Corp. 143658300 1 111 SH   SOLE   111 0 0
CARR Carrier Global Corp-Wi 14448C104 1 47 SH   SOLE   47 0 0
CVX Chevron Corporation 166764100 4 42 SH   SOLE   42 0 0
CB Chubb Corp H1467J104 6 48 SH   SOLE   48 0 0
CSCO Cisco Systems, Inc. 17275R102 24 520 SH   SOLE   520 0 0
C Citigroup 172967424 24 476 SH   SOLE   476 0 0
CL Colgate Palmolive 194162103 408 5,582 SH   SOLE   5,582 0 0
CMCSA Comcast Corp. 20030N101 19 493 SH   SOLE   493 0 0
CBSH Commerce Bancshares Inc 200525103 14 238 SH   SOLE   238 0 0
CBU Community Bank System Inc 203607106 28 496 SH   SOLE   496 0 0
STZ Constellation Brands Inc 21036P108 14 83 SH   SOLE   83 0 0
GLW Corning Inc. 219350105 6 257 SH   SOLE   257 0 0
COST Costco Wholesale Corporation 22160K105 7 25 SH   SOLE   25 0 0
CRH CRH PLC 12626K203 5 167 SH   SOLE   167 0 0
DHR Danaher Corp Del 235851102 9 50 SH   SOLE   50 0 0
DDOG DATADOG INC CL A 23804L103 8 100 SH   SOLE   100 0 0
DAL Delta Air Lines Inc 247361702 13 490 SH   SOLE   490 0 0
DLX Deluxe Corp 248019101 6 266 SH   SOLE   266 0 0
DLR DIGITAL REALTY TRUST INC 253868103 2 15 SH   SOLE   15 0 0
DFS Discover Financial Svcs 254709108 4 90 SH   SOLE   90 0 0
DIS Disney 254687106 11 100 SH   SOLE   100 0 0
DG Dollar General Corp 256677105 17 94 SH   SOLE   94 0 0
D Dominion Res Inc 25746U109 14 175 SH   SOLE   175 0 0
EV Eaton Vance Corporation 278265103 2 55 SH   SOLE   55 0 0
ECL Ecolab 278865100 24 122 SH   SOLE   122 0 0
EW Edward Lifesciences 28176E108 102 1,470 SH   SOLE   1,470 0 0
EQIX Equinix Inc 29444U700 4 7 SH   SOLE   7 0 0
WTRG Essential Utilities Inc 29670G102 5 125 SH   SOLE   125 0 0
FDS Factset Research Systems 303075105 21 65 SH   SOLE   65 0 0
FAST Fastenal Company 311900104 9 200 SH   SOLE   200 0 0
FE First Energy 337932107 11 306 SH   SOLE   306 0 0
FMB First Trust Managed Municipal ETF 33739N108 12,752 231,816 SH   SOLE   231,816 0 0
F Ford Motor Co. 345370860 6 1,000 SH   SOLE   1,000 0 0
FTS Fortis Inc 349553107 8 225 SH   SOLE   225 0 0
FNV FRANCO-NEVADA CORP 351858105 20 150 SH   SOLE   150 0 0
IT Gartner Inc 366651107 9 77 SH   SOLE   77 0 0
GD General Dynamics 369550108 15 107 SH   SOLE   107 0 0
GE General Electric Co 369604103 15 2,300 SH   SOLE   2,300 0 0
GM General Motors Corp 37045V100 2 93 SH   SOLE   93 0 0
GMICF Genworth MI Canada Inc 37252B102 2 100 SH   SOLE   100 0 0
GOOG Google Inc. 02079K107 438 310 SH   SOLE   310 0 0
GOOGL Google Inc. 02079K305 238 168 SH   SOLE   168 0 0
LOPE Grand Canyon Education Inc 38526M106 11 131 SH   SOLE   131 0 0
HIG Hartford Fin'l Services 416515104 6 165 SH   SOLE   165 0 0
HON Honeywell Inc. 438516106 15 107 SH   SOLE   107 0 0
HST Host Hotels & Res. REIT 44107P104 0 48 SH   SOLE   48 0 0
ITW Illinois Tool Works 452308109 25 146 SH   SOLE   146 0 0
INTC Intel 458140100 30 500 SH   SOLE   500 0 0
IBM International Business Machines Corp. 459200101 118 979 SH   SOLE   979 0 0
IAGG iShares Core International Aggt Bd ETF 46435G672 80 1,451 SH   SOLE   1,451 0 0
AGG iShares Core Total Aggregate U.S. Bond (ETF) 464287226 10 91 SH   SOLE   91 0 0
USMV iShares Edge MSCI Min Vol USA 46429B697 8,887 146,585 SH   SOLE   146,585 0 0
JKJ iShares Morningstar Small-Cap ETF 464288505 5 38 SH   SOLE   38 0 0
FM iShares MSCI Frontier 100 464286145 0 30 SH   SOLE   30 0 0
IBB Ishares Nasdaq Biotechnology 464287556 14 105 SH   SOLE   105 0 0
IGV iShares North American Tech-Software (ETF) 464287515 10,198 35,877 SH   SOLE   35,877 0 0
IWD iShares Russell 1000 Value (ETF) 464287598 10 90 SH   SOLE   90 0 0
OEF iShares S&P 100 Index (ETF) 464287101 19 134 SH   SOLE   134 0 0
IVW iShares S&P 500 Growth 464287309 17 82 SH   SOLE   82 0 0
IHI iShares U.S. Medical Devices (ETF) 464288810 8,155 30,800 SH   SOLE   30,800 0 0
JKHY Jack Henry & Associates Inc 426281101 26 142 SH   SOLE   142 0 0
JNJ Johnson & Johnson 478160104 43 307 SH   SOLE   307 0 0
JCI Johnson Controls G51502105 2 81 SH   SOLE   81 0 0
JPM JP Morgan Chase 46625H100 86 915 SH   SOLE   915 0 0
KEY KeyCorp 493267108 4 308 SH   SOLE   308 0 0
KMI Kinder Morgan Inc/DE 49456B101 9 610 SH   SOLE   610 0 0
KTB Kontoor Brands Inc 50050N103 0 18 SH   SOLE   18 0 0
LHX L3Harris Technologies Ord 502431109 30 182 SH   SOLE   182 0 0
LIN Linde plc G5494J103 7 34 SH   SOLE   34 0 0
LMT Lockheed Martin 539830109 8 24 SH   SOLE   24 0 0
LOW Lowe's Companies 548661107 48 359 SH   SOLE   359 0 0
LSI LSI Logic 53223X107 50 525 SH   SOLE   525 0 0
MTB M&T Bank 55261F104 10 100 SH   SOLE   100 0 0
MPC Marathon Petroleum 56585A102 9 244 SH   SOLE   244 0 0
MAR Marriott Int'l 571903202 5 60 SH   SOLE   60 0 0
MMC Marsh & Mclennan Companies Inc 571748102 3 30 SH   SOLE   30 0 0
MA MasterCard Inc. 57636Q104 30 102 SH   SOLE   102 0 0
MKC McCormick & Co Inc Non-Voting 579780206 21 120 SH   SOLE   120 0 0
MCD McDonalds Corp 580135101 36 197 SH   SOLE   197 0 0
MDT Medtronic Inc. G5960L103 325 3,547 SH   SOLE   3,547 0 0
MTRAF Metro Inc 59162N109 14 350 SH   SOLE   350 0 0
MSFT Microsoft 594918104 113 556 SH   SOLE   556 0 0
MDLZ Mondelez International 609207105 7 148 SH   SOLE   148 0 0
MS Morgan Stanley 617446448 18 382 SH   SOLE   382 0 0
MSI Motorola Solutions Inc. 620076307 7 50 SH   SOLE   50 0 0
NFG National Fuel Gas 636180101 0 6 SH   SOLE   6 0 0
NNI Nelnet Inc 64031N108 6 138 SH   SOLE   138 0 0
NSRGY NESTLE SA ADR 641069406 27 248 SH   SOLE   248 0 0
NFLX Netflix Inc 64110L106 327 720 SH   SOLE   720 0 0
NEE NextEra Energy 65339F101 39 166 SH   SOLE   166 0 0
NDSN Nordson Corp 655663102 9 52 SH   SOLE   52 0 0
NSC Norfolk Southern 655844108 8 46 SH   SOLE   46 0 0
NOC Northrop Grumman Corp. 666807102 5 17 SH   SOLE   17 0 0
NVDA NVIDIA Corp 67066G104 88 232 SH   SOLE   232 0 0
NXPI NXP Semiconductors NV N6596X109 5 50 SH   SOLE   50 0 0
OHI Omega Healthcare Investors Inc 681936100 7 250 SH   SOLE   250 0 0
ORCL Oracle Corp 68389X105 16 298 SH   SOLE   298 0 0
OTIS OTIS Worldwide Corp-Wi 68902V107 1 23 SH   SOLE   23 0 0
PANW Palo Alto Networks Inc 697435105 162 707 SH   SOLE   707 0 0
PAYX Paychex Inc. 704326107 21 288 SH   SOLE   288 0 0
PEP PepsiCo 713448108 7 50 SH   SOLE   50 0 0
PM Philip Morris 718172109 16 235 SH   SOLE   235 0 0
MINT PIMCO Enhanced Short Maturity ETF 72201R833 3 38 SH   SOLE   38 0 0
BOND PIMCO Total Return (ETF) 72201R775 155 1,391 SH   SOLE   1,391 0 0
SPLV PowerShares S&P 500 Low Volatility ETF 46138E354 15 319 SH   SOLE   319 0 0
PPG PPG Industries 693506107 1 18 SH   SOLE   18 0 0
PFG Principal Financial Group Inc 74251V102 11 271 SH   SOLE   271 0 0
PG Procter & Gamble 742718109 5 44 SH   SOLE   44 0 0
PEG Public Service Enterprise Group 744573106 3 77 SH   SOLE   77 0 0
PSA1B PUBLIC STORAGE INC PFD B 74460D109 5 200 SH   SOLE   200 0 0
PSA Public Storage, Inc. 74460D109 3 15 SH   SOLE   15 0 0
QCOM QUALCOMM Inc 747525103 6 68 SH   SOLE   68 0 0
RYN Rayonier Inc 754907103 3 126 SH   SOLE   126 0 0
RTX Raytheon Technologies Ord 75513E101 2 47 SH   SOLE   47 0 0
QSR Restaurant Brands Intl Inc com 76131D103 12 225 SH   SOLE   225 0 0
RHHBY Roche Holding AG ADR 771195104 28 664 SH   SOLE   664 0 0
RCI Rogers Comm. 775109200 2 50 SH   SOLE   50 0 0
ROST Ross Stores Inc 778296103 9 114 SH   SOLE   114 0 0
RY Royal Bank of Canada 780087102 28 425 SH   SOLE   425 0 0
PHG Royal Philips NV ADR 500472303 16 361 SH   SOLE   361 0 0
RSP Ryd. S&P 500 Eq. Wt. 46137V357 15 152 SH   SOLE   152 0 0
SCHE Schwab Emerging Markets Equity ETF 808524706 39 1,622 SH   SOLE   1,622 0 0
SCHF Schwab Int'l Equity 808524805 139 4,699 SH   SOLE   4,699 0 0
SCHB Schwab U.S. Broad Market 808524102 3,634 49,471 SH   SOLE   49,471 0 0
SCHA Schwab U.S. Small Idx. 808524607 1 23 SH   SOLE   23 0 0
SCHZ Schwab US Aggregate Bond ETF 808524839 438 7,799 SH   SOLE   7,799 0 0
SCHX Schwab US Large-Cap ETF 808524201 10 138 SH   SOLE   138 0 0
SCHG Schwab US Large-Cap Growth 808524300 897 8,841 SH   SOLE   8,841 0 0
SE Sea Limited 81141R100 7 69 SH   SOLE   69 0 0
SHOP SHOPIFY INC A 82509L107 23 25 SH   SOLE   25 0 0
SNE Sony Corp 835699307 33 479 SH   SOLE   479 0 0
TOTL SPDR DoubleLine Total Return Tact ETF 78467V848 259 5,246 SH   SOLE   5,246 0 0
SBUX Starbucks Corp 855244109 14 200 SH   SOLE   200 0 0
SYK Stryker Corp. 863667101 26 148 SH   SOLE   148 0 0
SYY Sysco Corporation 871829107 17 313 SH   SOLE   313 0 0
TXN Texas Instruments 882508104 16 127 SH   SOLE   127 0 0
TRV The Travelers Companies 89417E109 12 110 SH   SOLE   110 0 0
TIF Tiffany & Co 886547108 6 52 SH   SOLE   52 0 0
TJX TJX Companies Inc 872540109 25 504 SH   SOLE   504 0 0
TTC Toro Co 891092108 11 180 SH   SOLE   180 0 0
TD Toronto Dominion Bank 891160509 26 600 SH   SOLE   600 0 0
UN Unilever NV 904784709 10 201 SH   SOLE   201 0 0
UNP Union Pacific Corp 907818108 4 24 SH   SOLE   24 0 0
URI United Rentals Inc 911363109 10 72 SH   SOLE   72 0 0
UNH Unitedhealth Group 91324P102 23 78 SH   SOLE   78 0 0
VFC V.F. Corporation 918204108 7 127 SH   SOLE   127 0 0
VOO Vanguard 500 ETF 922908363 8 29 SH   SOLE   29 0 0
VIG Vanguard Dividend Appreciation (ETF) 921908844 26,900 229,562 SH   SOLE   229,562 0 0
VSGX Vanguard ESG International Stock ETF 921910725 4,472 92,981 SH   SOLE   92,981 0 0
VFH Vanguard Financials ETF 92204A405 1 30 SH   SOLE   30 0 0
VUG Vanguard Growth ETF 922908736 33,953 168,013 SH   SOLE   168,013 0 0
VCIT Vanguard Intermediate-Term Corporate Bond (ETF) 92206C870 35 376 SH   SOLE   376 0 0
MGV Vanguard Mega Cap Value ETF 921910840 7,202 98,364 SH   SOLE   98,364 0 0
VTEB Vanguard Tax-Exempt Bond ETF 922907746 965 17,835 SH   SOLE   17,835 0 0
BNDX Vanguard Total International Bond ETF 92203J407 390 6,765 SH   SOLE   6,765 0 0
VXUS Vanguard Total International Stock ETF 921909768 215 4,376 SH   SOLE   4,376 0 0
VTI Vanguard Total Stock Market (ETF) 922908769 13,355 85,320 SH   SOLE   85,320 0 0
VTV Vanguard Value ETF 922908744 13 140 SH   SOLE   140 0 0
VEC Vectrus Inc 92242T101 0 9 SH   SOLE   9 0 0
VZ Verizon Communications 92343V104 39 720 SH   SOLE   720 0 0
WMT Wal-Mart Stores Inc. 931142103 27 228 SH   SOLE   228 0 0
XYL XYLEM INC 98419M100 10 165 SH   SOLE   165 0 0