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
3M CO COM 88579Y101   916,604 8,641 SH   SOLE   0 0 8,641
ABBOTT LABS COM 002824100   368,705 3,243 SH   SOLE   0 0 3,243
ABBVIE INC COM 00287Y109   404,390 2,220 SH   SOLE   0 0 2,220
ADVANCED MICRO DEVICES INC COM 007903107   531,904 2,947 SH   SOLE   0 0 2,947
AIR PRODS & CHEMS INC COM 009158106   387,002 1,597 SH   SOLE   0 0 1,597
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   223,059 3,082 SH   SOLE   0 0 3,082
ALLSTATE CORP COM 020002101   202,186 1,168 SH   SOLE   0 0 1,168
ALPHABET INC CAP STK CL A 02079K305   695,636 4,609 SH   SOLE   0 0 4,609
ALPHABET INC CAP STK CL C 02079K107   591,682 3,886 SH   SOLE   0 0 3,886
ALPS ETF TR SECTR DIV DOGS 00162Q858   231,227 4,285 SH   SOLE   0 0 4,285
AMAZON COM INC COM 023135106   1,318,758 7,311 SH   SOLE   0 0 7,311
AMERICAN EXPRESS CO COM 025816109   257,517 1,131 SH   SOLE   0 0 1,131
AMGEN INC COM 031162100   1,868,247 6,570 SH   SOLE   0 0 6,570
APPLE INC COM 037833100   5,905,744 34,439 SH   SOLE   0 0 34,439
APPLIED MATLS INC COM 038222105   411,643 1,996 SH   SOLE   0 0 1,996
ASTRAZENECA PLC SPONSORED ADR 046353108   217,019 3,203 SH   SOLE   0 0 3,203
AT&T INC COM 00206R102   616,034 35,001 SH   SOLE   0 0 35,001
BANK AMERICA CORP COM 060505104   537,568 14,176 SH   SOLE   0 0 14,176
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   9,970,782 23,710 SH   SOLE   0 0 23,710
BLACKSTONE INC COM 09260D107   364,303 2,773 SH   SOLE   0 0 2,773
BRISTOL-MYERS SQUIBB CO COM 110122108   293,063 5,404 SH   SOLE   0 0 5,404
CATERPILLAR INC COM 149123101   3,580,526 9,771 SH   SOLE   0 0 9,771
CHEVRON CORP NEW COM 166764100   3,125,718 19,815 SH   SOLE   0 0 19,815
CISCO SYS INC COM 17275R102   1,499,927 30,052 SH   SOLE   0 0 30,052
CITIZENS & NORTHN CORP COM 172922106   682,189 36,325 SH   SOLE   0 0 36,325
CITIZENS FINL SVCS INC COM 174615104   1,987,775 40,401 SH   SOLE   0 0 40,401
COCA COLA CO COM 191216100   1,694,345 27,694 SH   SOLE   0 0 27,694
COLGATE PALMOLIVE CO COM 194162103   286,841 3,185 SH   SOLE   0 0 3,185
CONOCOPHILLIPS COM 20825C104   306,948 2,411 SH   SOLE   0 0 2,411
CORNING INC COM 219350105   267,914 8,128 SH   SOLE   0 0 8,128
DISNEY WALT CO COM 254687106   339,934 2,778 SH   SOLE   0 0 2,778
DNP SELECT INCOME FD INC COM 23325P104   210,787 23,240 SH   SOLE   0 0 23,240
DOMINION ENERGY INC COM 25746U109   300,637 6,111 SH   SOLE   0 0 6,111
DUKE ENERGY CORP NEW COM NEW 26441C204   462,400 4,781 SH   SOLE   0 0 4,781
EA SERIES TRUST US QUAN MOMENTUM 02072L409   208,789 3,532 SH   SOLE   0 0 3,532
ELI LILLY & CO COM 532457108   2,243,625 2,883 SH   SOLE   0 0 2,883
ENTERGY CORP NEW COM 29364G103   418,286 3,958 SH   SOLE   0 0 3,958
EQT CORP COM 26884L109   238,954 6,446 SH   SOLE   0 0 6,446
EXXON MOBIL CORP COM 30231G102   2,853,553 24,548 SH   SOLE   0 0 24,548
GOLDMAN SACHS GROUP INC COM 38141G104   1,148,896 2,750 SH   SOLE   0 0 2,750
HECLA MNG CO COM 422704106   391,686 81,431 SH   SOLE   0 0 81,431
HERSHEY CO COM 427866108   532,998 2,740 SH   SOLE   0 0 2,740
HOME DEPOT INC COM 437076102   871,856 2,272 SH   SOLE   0 0 2,272
HONEYWELL INTL INC COM 438516106   528,734 2,576 SH   SOLE   0 0 2,576
ILLINOIS TOOL WKS INC COM 452308109   323,796 1,206 SH   SOLE   0 0 1,206
INTEL CORP COM 458140100   656,475 14,862 SH   SOLE   0 0 14,862
INTERNATIONAL BUSINESS MACHS COM 459200101   2,397,267 12,553 SH   SOLE   0 0 12,553
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,980,193 10,839 SH   SOLE   0 0 10,839
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   393,845 3,698 SH   SOLE   0 0 3,698
INVESCO QQQ TR UNIT SER 1 46090E103   2,832,605 6,379 SH   SOLE   0 0 6,379
ISHARES SILVER TR ISHARES 46428Q109   427,837 18,806 SH   SOLE   0 0 18,806
ISHARES TR CORE S&P US GWT 464287671   15,714,014 134,067 SH   SOLE   0 0 134,067
ISHARES TR MSCI USA ESG SLC 464288802   225,973 2,069 SH   SOLE   0 0 2,069
ISHARES TR CORE US AGGBD ET 464287226   20,281,817 207,084 SH   SOLE   0 0 207,084
ISHARES TR CORE S&P TTL STK 464287150   5,205,329 45,145 SH   SOLE   0 0 45,145
ISHARES TR US AER DEF ETF 464288760   460,106 3,487 SH   SOLE   0 0 3,487
ISHARES TR U.S. MED DVC ETF 464288810   214,738 3,665 SH   SOLE   0 0 3,665
ISHARES TR CORE S&P MCP ETF 464287507   31,787,811 523,342 SH   SOLE   0 0 523,342
ISHARES TR 1 3 YR TREAS BD 464287457   3,924,377 47,986 SH   SOLE   0 0 47,986
ISHARES TR GLOBAL 100 ETF 464287572   4,584,437 51,274 SH   SOLE   0 0 51,274
ISHARES TR 7-10 YR TRSY BD 464287440   9,651,002 101,954 SH   SOLE   0 0 101,954
ISHARES TR NATIONAL MUN ETF 464288414   7,223,531 67,133 SH   SOLE   0 0 67,133
ISHARES TR CORE S&P500 ETF 464287200   63,546,006 120,871 SH   SOLE   0 0 120,871
ISHARES TR CORE S&P SCP ETF 464287804   29,741,632 269,106 SH   SOLE   0 0 269,106
ISHARES TR US HLTHCARE ETF 464287762   1,001,094 16,172 SH   SOLE   0 0 16,172
JOHNSON & JOHNSON COM 478160104   2,217,355 14,017 SH   SOLE   0 0 14,017
JPMORGAN CHASE & CO COM 46625H100   4,544,982 22,690 SH   SOLE   0 0 22,690
LAM RESEARCH CORP COM 512807108   236,369 243 SH   SOLE   0 0 243
LOCKHEED MARTIN CORP COM 539830109   800,842 1,760 SH   SOLE   0 0 1,760
M & T BK CORP COM 55261F104   1,671,262 11,491 SH   SOLE   0 0 11,491
MARATHON PETE CORP COM 56585A102   203,774 1,011 SH   SOLE   0 0 1,011
MASTERCARD INCORPORATED CL A 57636Q104   422,432 877 SH   SOLE   0 0 877
MCDONALDS CORP COM 580135101   734,135 2,603 SH   SOLE   0 0 2,603
MEDTRONIC PLC SHS G5960L103   209,032 2,398 SH   SOLE   0 0 2,398
MERCK & CO INC COM 58933Y105   3,531,551 26,764 SH   SOLE   0 0 26,764
META PLATFORMS INC CL A 30303M102   666,016 1,371 SH   SOLE   0 0 1,371
MICROSOFT CORP COM 594918104   5,292,566 12,579 SH   SOLE   0 0 12,579
MORGAN STANLEY COM NEW 617446448   417,471 4,433 SH   SOLE   0 0 4,433
NEXTERA ENERGY INC COM 65339F101   777,154 12,160 SH   SOLE   0 0 12,160
NOVO-NORDISK A S ADR 670100205   414,475 3,228 SH   SOLE   0 0 3,228
NVIDIA CORPORATION COM 67066G104   2,082,239 2,304 SH   SOLE   0 0 2,304
ORACLE CORP COM 68389X105   420,757 3,349 SH   SOLE   0 0 3,349
PACER FDS TR US CASH COWS 100 69374H881   16,614,381 285,912 SH   SOLE   0 0 285,912
PALO ALTO NETWORKS INC COM 697435105   437,276 1,539 SH   SOLE   0 0 1,539
PENNS WOODS BANCORP INC COM 708430103   1,692,133 87,178 SH   SOLE   0 0 87,178
PEPSICO INC COM 713448108   1,266,062 7,234 SH   SOLE   0 0 7,234
PFIZER INC COM 717081103   1,370,402 49,383 SH   SOLE   0 0 49,383
PHILIP MORRIS INTL INC COM 718172109   251,552 2,745 SH   SOLE   0 0 2,745
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   471,762 4,692 SH   SOLE   0 0 4,692
PIMCO MUN INCOME FD COM 72200R107   274,038 29,371 SH   SOLE   0 0 29,371
PNC FINL SVCS GROUP INC COM 693475105   340,479 2,106 SH   SOLE   0 0 2,106
PPL CORP COM 69351T106   798,603 29,008 SH   SOLE   0 0 29,008
PROCTER AND GAMBLE CO COM 742718109   2,264,910 13,959 SH   SOLE   0 0 13,959
PROGRESSIVE CORP COM 743315103   326,996 1,581 SH   SOLE   0 0 1,581
PRUDENTIAL FINL INC COM 744320102   457,639 3,898 SH   SOLE   0 0 3,898
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   330,177 4,944 SH   SOLE   0 0 4,944
ROCKWELL AUTOMATION INC COM 773903109   264,092 906 SH   SOLE   0 0 906
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   289,134 3,118 SH   SOLE   0 0 3,118
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,673,949 355,623 SH   SOLE   0 0 355,623
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   702,528 11,507 SH   SOLE   0 0 11,507
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   339,577 5,471 SH   SOLE   0 0 5,471
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,552,680 10,510 SH   SOLE   0 0 10,510
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   11,375,663 287,772 SH   SOLE   0 0 287,772
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,184,204 15,508 SH   SOLE   0 0 15,508
SELECT SECTOR SPDR TR INDL 81369Y704   265,177 2,105 SH   SOLE   0 0 2,105
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   299,858 3,228 SH   SOLE   0 0 3,228
SMITH A O CORP COM 831865209   278,080 3,108 SH   SOLE   0 0 3,108
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,844,920 7,152 SH   SOLE   0 0 7,152
SPDR GOLD TR GOLD SHS 78463V107   630,301 3,063 SH   SOLE   0 0 3,063
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   252,242 4,354 SH   SOLE   0 0 4,354
SPDR S&P 500 ETF TR TR UNIT 78462F103   476,167 910 SH   SOLE   0 0 910
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   1,487,516 179,435 SH   SOLE   0 0 179,435
TEXAS INSTRS INC COM 882508104   392,371 2,252 SH   SOLE   0 0 2,252
THERMO FISHER SCIENTIFIC INC COM 883556102   283,359 487 SH   SOLE   0 0 487
UNION PAC CORP COM 907818108   439,033 1,785 SH   SOLE   0 0 1,785
UNITED PARCEL SERVICE INC CL B 911312106   218,065 1,467 SH   SOLE   0 0 1,467
UNITED RENTALS INC COM 911363109   408,404 566 SH   SOLE   0 0 566
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   2,737,492 12,167 SH   SOLE   0 0 12,167
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,229,491 10,878 SH   SOLE   0 0 10,878
VANGUARD INDEX FDS VALUE ETF 922908744   2,477,087 15,209 SH   SOLE   0 0 15,209
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,058,164 12,235 SH   SOLE   0 0 12,235
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,099,506 4,230 SH   SOLE   0 0 4,230
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   23,386,571 559,889 SH   SOLE   0 0 559,889
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   486,850 4,405 SH   SOLE   0 0 4,405
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   212,209 3,151 SH   SOLE   0 0 3,151
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   473,250 9,352 SH   SOLE   0 0 9,352
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   30,881,617 383,574 SH   SOLE   0 0 383,574
VANGUARD STAR FDS VG TL INTL STK F 921909768   228,043 3,781 SH   SOLE   0 0 3,781
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,844,888 375,620 SH   SOLE   0 0 375,620
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   932,597 7,803 SH   SOLE   0 0 7,803
VANGUARD WORLD FD INF TECH ETF 92204A702   541,167 1,032 SH   SOLE   0 0 1,032
VERIZON COMMUNICATIONS INC COM 92343V104   1,950,045 46,473 SH   SOLE   0 0 46,473
VISA INC COM CL A 92826C839   525,060 1,881 SH   SOLE   0 0 1,881
WALMART INC COM 931142103   757,850 12,595 SH   SOLE   0 0 12,595
WASTE MGMT INC DEL COM 94106L109   495,609 2,325 SH   SOLE   0 0 2,325
WEC ENERGY GROUP INC COM 92939U106   409,045 4,981 SH   SOLE   0 0 4,981
WELLS FARGO CO NEW COM 949746101   507,771 8,760 SH   SOLE   0 0 8,760
WELLTOWER INC COM 95040Q104   234,837 2,513 SH   SOLE   0 0 2,513
WISDOMTREE TR GLB HIGH DIV FD 97717W877   3,249,670 63,894 SH   SOLE   0 0 63,894