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
3M CO COM 88579Y101 2,016 12,264 SH   SOLE   0 0 12,264
ABBOTT LABS COM 002824100 280 3,342 SH   SOLE   0 0 3,342
ABBVIE INC COM 00287Y109 3,841 50,723 SH   SOLE   0 0 50,723
ALPHABET INC CAP STK CL C 02079K107 2,927 2,401 SH   SOLE   0 0 2,401
ALPHABET INC CAP STK CL A 02079K305 948 776 SH   SOLE   0 0 776
ALTRIA GROUP INC COM 02209S103 2,342 57,266 SH   SOLE   0 0 57,266
AMAZON COM INC COM 023135106 2,317 1,335 SH   SOLE   0 0 1,335
AMERICAN EXPRESS CO COM 025816109 338 2,857 SH   SOLE   0 0 2,857
AMERISOURCEBERGEN CORP COM 03073E105 2,592 31,481 SH   SOLE   0 0 31,481
AMGEN INC COM 031162100 2,162 11,174 SH   SOLE   0 0 11,174
APPLE INC COM 037833100 9,885 44,135 SH   SOLE   0 0 44,135
ARES CAP CORP COM 04010L103 194 10,407 SH   SOLE   0 0 10,407
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 252 9,400 SH   SOLE   0 0 9,400
ASML HOLDING N V N Y REGISTRY SHS N07059210 297 1,196 SH   SOLE   0 0 1,196
ASTRAZENECA PLC SPONSORED ADR 046353108 746 16,740 SH   SOLE   0 0 16,740
AT&T INC COM 00206R102 628 16,601 SH   SOLE   0 0 16,601
BANK AMER CORP COM 060505104 244 8,376 SH   SOLE   0 0 8,376
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,693 17,751 SH   SOLE   0 0 17,751
BLACKBERRY LTD COM 09228F103 105 20,000 SH   SOLE   0 0 20,000
BLACKSTONE GROUP INC COM CL A 09260D107 308 6,300 SH   SOLE   0 0 6,300
BROADCOM INC COM 11135F101 359 1,301 SH   SOLE   0 0 1,301
BROWN FORMAN CORP CL B 115637209 209 3,337 SH   SOLE   0 0 3,337
CARMAX INC COM 143130102 1,063 12,085 SH   SOLE   0 0 12,085
CATERPILLAR INC DEL COM 149123101 253 2,000 SH   SOLE   0 0 2,000
CHUBB LIMITED COM H1467J104 3,005 18,612 SH   SOLE   0 0 18,612
CISCO SYS INC COM 17275R102 3,306 66,917 SH   SOLE   0 0 66,917
CONSTELLATION BRANDS INC CL A 21036P108 1,168 5,635 SH   SOLE   0 0 5,635
CORNING INC COM 219350105 326 11,439 SH   SOLE   0 0 11,439
CREDIT ACCEP CORP MICH COM 225310101 597 1,294 SH   SOLE   0 0 1,294
CVS HEALTH CORP COM 126650100 324 5,140 SH   SOLE   0 0 5,140
DANAHER CORPORATION COM 235851102 208 1,440 SH   SOLE   0 0 1,440
DBX ETF TR XTRACK MSCI EAFE 233051200 3,259 100,780 SH   SOLE   0 0 100,780
DIAGEO P L C SPON ADR NEW 25243Q205 600 3,670 SH   SOLE   0 0 3,670
DISNEY WALT CO COM DISNEY 254687106 1,852 14,208 SH   SOLE   0 0 14,208
DOW INC COM 260557103 279 5,849 SH   SOLE   0 0 5,849
EASTMAN CHEMICAL CO COM 277432100 236 3,199 SH   SOLE   0 0 3,199
EATON CORP PLC SHS G29183103 293 3,528 SH   SOLE   0 0 3,528
EBAY INC COM 278642103 608 15,593 SH   SOLE   0 0 15,593
ELECTRONIC ARTS INC COM 285512109 223 2,284 SH   SOLE   0 0 2,284
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 205 15,682 SH   SOLE   0 0 15,682
ENTERPRISE PRODS PARTNERS L COM 293792107 311 10,872 SH   SOLE   0 0 10,872
EXXON MOBIL CORP COM 30231G102 5,039 71,362 SH   SOLE   0 0 71,362
FACEBOOK INC CL A 30303M102 769 4,320 SH   SOLE   0 0 4,320
FERRARI N V COM N3167Y103 208 1,352 SH   SOLE   0 0 1,352
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 333 2,470 SH   SOLE   0 0 2,470
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 334 5,912 SH   SOLE   0 0 5,912
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 14,956 584,453 SH   SOLE   0 0 584,453
FOCUS FINL PARTNERS INC COM CL A 34417P100 755 31,714 SH   SOLE   0 0 31,714
FORD MTR CO DEL COM 345370860 126 13,773 SH   SOLE   0 0 13,773
GENERAL DYNAMICS CORP COM 369550108 2,134 11,677 SH   SOLE   0 0 11,677
GENIE ENERGY LTD CL B 372284208 482 64,676 SH   SOLE   0 0 64,676
GENMAB A S SPONSORED ADS 372303206 201 9,906 SH   SOLE   0 0 9,906
GILEAD SCIENCES INC COM 375558103 350 5,517 SH   SOLE   0 0 5,517
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 299 7,000 SH   SOLE   0 0 7,000
HOME DEPOT INC COM 437076102 532 2,293 SH   SOLE   0 0 2,293
INTEL CORP COM 458140100 3,347 64,948 SH   SOLE   0 0 64,948
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 2,046 16,122 SH   SOLE   0 0 16,122
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 207 1,757 SH   SOLE   0 0 1,757
INVESCO EXCHNG TRADED FD TR FTSE RAFI DEV 46138E743 637 16,054 SH   SOLE   0 0 16,054
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 4,346 170,952 SH   SOLE   0 0 170,952
INVESCO QQQ TR UNIT SER 1 46090E103 1,099 5,821 SH   SOLE   0 0 5,821
ISHARES INC ASIA/PAC DIV ETF 464286293 548 12,760 SH   SOLE   0 0 12,760
ISHARES INC MIN VOL GBL ETF 464286525 6,119 64,578 SH   SOLE   0 0 64,578
ISHARES TR TIPS BD ETF 464287176 767 6,598 SH   SOLE   0 0 6,598
ISHARES TR CORE S&P500 ETF 464287200 8,901 29,816 SH   SOLE   0 0 29,816
ISHARES TR CORE US AGGBD ET 464287226 26,431 233,549 SH   SOLE   0 0 233,549
ISHARES TR 20 YR TR BD ETF 464287432 3,201 22,370 SH   SOLE   0 0 22,370
ISHARES TR BARCLAYS 7 10 YR 464287440 364 3,240 SH   SOLE   0 0 3,240
ISHARES TR RUS 1000 VAL ETF 464287598 249 1,944 SH   SOLE   0 0 1,944
ISHARES TR RUS 1000 GRW ETF 464287614 295 1,848 SH   SOLE   0 0 1,848
ISHARES TR RUS 1000 ETF 464287622 254 1,542 SH   SOLE   0 0 1,542
ISHARES TR SHRT NAT MUN ETF 464288158 3,070 28,820 SH   SOLE   0 0 28,820
ISHARES TR FLTG RATE NT ETF 46429B655 922 18,088 SH   SOLE   0 0 18,088
ISHARES TR USA QUALITY FCTR 46432F339 1,464 15,848 SH   SOLE   0 0 15,848
ISHARES TR USA MOMENTUM FCT 46432F396 1,452 12,172 SH   SOLE   0 0 12,172
ISHARES TR HDG MSCI EAFE 46434V803 1,333 44,537 SH   SOLE   0 0 44,537
JACOBS ENGR GROUP INC COM 469814107 721 7,876 SH   SOLE   0 0 7,876
JOHNSON & JOHNSON COM 478160104 3,485 26,939 SH   SOLE   0 0 26,939
JPMORGAN CHASE & CO COM 46625H100 4,199 35,678 SH   SOLE   0 0 35,678
KLA CORPORATION COM NEW 482480100 263 1,650 SH   SOLE   0 0 1,650
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 36 13,451 SH   SOLE   0 0 13,451
LOCKHEED MARTIN CORP COM 539830109 744 1,908 SH   SOLE   0 0 1,908
LOWES COS INC COM 548661107 212 1,928 SH   SOLE   0 0 1,928
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 340 3,800 SH   SOLE   0 0 3,800
M & T BK CORP COM 55261F104 308 1,949 SH   SOLE   0 0 1,949
MASTERCARD INC CL A 57636Q104 603 2,221 SH   SOLE   0 0 2,221
MCDONALDS CORP COM 580135101 3,281 15,283 SH   SOLE   0 0 15,283
MERCK & CO INC COM 58933Y105 339 4,026 SH   SOLE   0 0 4,026
MERRIMACK PHARMACEUTICALS IN COM NEW 590328209 308 68,507 SH   SOLE   0 0 68,507
MICROSOFT CORP COM 594918104 4,798 34,509 SH   SOLE   0 0 34,509
MYOVANT SCIENCES LTD COM G637AM102 598 115,000 SH   SOLE   0 0 115,000
NOVO-NORDISK A S ADR 670100205 355 6,863 SH   SOLE   0 0 6,863
NVIDIA CORP COM 67066G104 401 2,306 SH   SOLE   0 0 2,306
OMNICOM GROUP INC COM 681919106 401 5,118 SH   SOLE   0 0 5,118
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 580 389,088 SH   SOLE   0 0 389,088
PACER FDS TR TRENDP US LAR CP 69374H105 2,990 96,244 SH   SOLE   0 0 96,244
PARK CITY GROUP INC COM NEW 700215304 260 45,000 SH   SOLE   0 0 45,000
PAYCHEX INC COM 704326107 915 11,059 SH   SOLE   0 0 11,059
PAYPAL HLDGS INC COM 70450Y103 417 4,026 SH   SOLE   0 0 4,026
PEPSICO INC COM 713448108 3,267 23,832 SH   SOLE   0 0 23,832
PFIZER INC COM 717081103 2,846 79,208 SH   SOLE   0 0 79,208
PHILIP MORRIS INTL INC COM 718172109 401 5,278 SH   SOLE   0 0 5,278
PHILLIPS 66 PARTNERS LP COM UNIT REP INT 718549207 544 9,605 SH   SOLE   0 0 9,605
PIMCO DYNAMIC INCOME FD SHS 72201Y101 209 6,431 SH   SOLE   0 0 6,431
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,554 64,428 SH   SOLE   0 0 64,428
POLARIS INC COM 731068102 430 4,890 SH   SOLE   0 0 4,890
PROSHARES TR S&P 500 DV ARIST 74348A467 264 3,695 SH   SOLE   0 0 3,695
QUALCOMM INC COM 747525103 670 8,780 SH   SOLE   0 0 8,780
RAYTHEON CO COM NEW 755111507 2,961 15,092 SH   SOLE   0 0 15,092
RELX PLC SPONSORED ADR 759530108 218 9,174 SH   SOLE   0 0 9,174
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 386 6,439 SH   SOLE   0 0 6,439
SAP SE SPON ADR 803054204 265 2,247 SH   SOLE   0 0 2,247
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 8,403 100,021 SH   SOLE   0 0 100,021
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 756 10,842 SH   SOLE   0 0 10,842
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 18,583 739,472 SH   SOLE   0 0 739,472
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,077 111,607 SH   SOLE   0 0 111,607
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,347 62,168 SH   SOLE   0 0 62,168
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,034 73,644 SH   SOLE   0 0 73,644
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,423 170,205 SH   SOLE   0 0 170,205
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,862 124,280 SH   SOLE   0 0 124,280
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,138 110,469 SH   SOLE   0 0 110,469
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,511 69,401 SH   SOLE   0 0 69,401
SCHWAB STRATEGIC TR US TIPS ETF 808524870 15,923 280,538 SH   SOLE   0 0 280,538
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 543 6,020 SH   SOLE   0 0 6,020
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 904 7,491 SH   SOLE   0 0 7,491
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 219 7,825 SH   SOLE   0 0 7,825
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 540 10,902 SH   SOLE   0 0 10,902
SMUCKER J M CO COM NEW 832696405 2,550 23,175 SH   SOLE   0 0 23,175
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 344 8,628 SH   SOLE   0 0 8,628
SPDR S&P 500 ETF TR TR UNIT 78462F103 825 2,778 SH   SOLE   0 0 2,778
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 7,346 271,983 SH   SOLE   0 0 271,983
STARBUCKS CORP COM 855244109 3,124 35,331 SH   SOLE   0 0 35,331
SYNOVUS FINL CORP COM NEW 87161C501 250 7,000 SH   SOLE   0 0 7,000
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 279 5,992 SH   SOLE   0 0 5,992
TELEDYNE TECHNOLOGIES INC COM 879360105 227 704 SH   SOLE   0 0 704
TEXAS INSTRS INC COM 882508104 261 2,017 SH   SOLE   0 0 2,017
THE CHARLES SCHWAB CORPORATI COM 808513105 485 11,606 SH   SOLE   0 0 11,606
TIFFANY & CO NEW COM 886547108 397 4,286 SH   SOLE   0 0 4,286
TOMPKINS FINANCIAL CORPORATI COM 890110109 370 4,556 SH   SOLE   0 0 4,556
UNION PACIFIC CORP COM 907818108 278 1,717 SH   SOLE   0 0 1,717
UNITED PARCEL SERVICE INC CL B 911312106 388 3,237 SH   SOLE   0 0 3,237
UNITED TECHNOLOGIES CORP COM 913017109 317 2,325 SH   SOLE   0 0 2,325
UNITEDHEALTH GROUP INC COM 91324P102 308 1,419 SH   SOLE   0 0 1,419
UROVANT SCIENCES LTD SHS G9381B108 372 39,312 SH   SOLE   0 0 39,312
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 872 10,791 SH   SOLE   0 0 10,791
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 15,252 259,263 SH   SOLE   0 0 259,263
VANGUARD GROUP DIV APP ETF 921908844 624 5,221 SH   SOLE   0 0 5,221
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,917 7,031 SH   SOLE   0 0 7,031
VANGUARD INDEX FDS GROWTH ETF 922908736 27,715 166,678 SH   SOLE   0 0 166,678
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,229 8,139 SH   SOLE   0 0 8,139
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,162 28,865 SH   SOLE   0 0 28,865
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,889 28,607 SH   SOLE   0 0 28,607
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 2,287 42,654 SH   SOLE   0 0 42,654
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 1,745 14,339 SH   SOLE   0 0 14,339
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 10,184 62,035 SH   SOLE   0 0 62,035
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 29,237 711,720 SH   SOLE   0 0 711,720
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 227 1,449 SH   SOLE   0 0 1,449
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 336 2,299 SH   SOLE   0 0 2,299
VANGUARD WORLD FDS INF TECH ETF 92204A702 824 3,821 SH   SOLE   0 0 3,821
VERIZON COMMUNICATIONS INC COM 92343V104 3,448 57,123 SH   SOLE   0 0 57,123
VISA INC COM CL A 92826C839 1,827 10,623 SH   SOLE   0 0 10,623
W P CAREY INC COM 92936U109 340 3,797 SH   SOLE   0 0 3,797
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,399 43,376 SH   SOLE   0 0 43,376
WALMART INC COM 931142103 3,268 27,537 SH   SOLE   0 0 27,537
WEC ENERGY GROUP INC COM 92939U106 3,220 33,860 SH   SOLE   0 0 33,860
WELLS FARGO CO NEW COM 949746101 3,842 76,173 SH   SOLE   0 0 76,173
WISDOMTREE TR JAPN HEDGE EQT 97717W851 1,047 20,742 SH   SOLE   0 0 20,742
WISDOMTREE TR ITL HDG QTLY DIV 97717X594 368 10,957 SH   SOLE   0 0 10,957