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   511,412 23,246 SH   SOLE   0 0 23,246
ABBOTT LABS COM 002824100   285,367 2,503 SH   SOLE   0 0 2,503
ABBVIE INC COM 00287Y109   493,700 2,500 SH   SOLE   0 0 2,500
ABRDN ETFS BBRG ALL COMD K1 003261104   589,224 28,827 SH   SOLE   0 0 28,827
APPLE INC COM 037833100   1,340,915 5,755 SH   SOLE   0 0 9,295
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   860,686 1,870 SH   SOLE   0 0 3,077
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   1,566,708 14,300 SH   SOLE   0 0 14,300
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834   567,013 10,571 SH   SOLE   0 0 10,571
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   699,898 25,951 SH   SOLE   0 0 25,951
CHEVRON CORP NEW COM 166764100   226,796 1,540 SH   SOLE   0 0 3,670
COMCAST CORP NEW CL A 20030N101   304,921 7,300 SH   SOLE   0 0 7,300
EXXON MOBIL CORP COM 30231G102   214,278 1,828 SH   SOLE   0 0 6,237
F N B CORP COM 302520101   801,081 56,774 SH   SOLE   0 0 57,981
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   9,494,172 122,545 SH   SOLE   0 0 122,545
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   4,686,530 46,730 SH   SOLE   0 0 46,730
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   28,543,512 816,462 SH   SOLE   0 0 816,462
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   9,708,242 394,644 SH   SOLE   0 0 394,644
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   18,276,146 743,537 SH   SOLE   0 0 743,537
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,592,670 70,224 SH   SOLE   0 0 70,224
INTERNATIONAL BUSINESS MACHS COM 459200101   802,078 3,628 SH   SOLE   0 0 4,082
ISHARES TR SELECT DIVID ETF 464287168   5,789,678 42,864 SH   SOLE   0 0 42,864
ISHARES TR CORE S&P500 ETF 464287200   28,098,498 48,713 SH   SOLE   0 0 49,005
ISHARES TR CORE US AGGBD ET 464287226   3,605,921 35,607 SH   SOLE   0 0 35,607
ISHARES TR MSCI EAFE ETF 464287465   4,478,138 53,547 SH   SOLE   0 0 53,547
ISHARES TR CORE S&P MCP ETF 464287507   3,381,622 54,262 SH   SOLE   0 0 54,262
ISHARES TR COHEN STEER REIT 464287564   1,709,178 25,932 SH   SOLE   0 0 25,932
ISHARES TR RUS 1000 GRW ETF 464287614   5,403,970 14,396 SH   SOLE   0 0 14,396
ISHARES TR RUS 1000 ETF 464287622   2,379,282 7,568 SH   SOLE   0 0 8,248
ISHARES TR RUS 2000 VAL ETF 464287630   617,734 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,853,107 8,389 SH   SOLE   0 0 8,389
ISHARES TR CORE S&P SCP ETF 464287804   2,444,581 20,901 SH   SOLE   0 0 20,901
ISHARES TR GL TIMB FORE ETF 464288174   595,866 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   382,107 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   972,531 29,267 SH   SOLE   0 0 29,267
ISHARES TR EAFE VALUE ETF 464288877   554,589 9,640 SH   SOLE   0 0 9,640
ISHARES TR US TREAS BD ETF 46429B267   1,045,190 44,571 SH   SOLE   0 0 44,571
ISHARES TR A RATE CP BD ETF 46429B291   6,455,017 131,333 SH   SOLE   0 0 131,333
ISHARES TR CORE HIGH DV ETF 46429B663   1,400,303 11,905 SH   SOLE   0 0 11,905
ISHARES TR MSCI USA QLT FCT 46432F339   5,161,710 28,788 SH   SOLE   0 0 28,788
ISHARES TR MSCI USA VALUE 46432F388   514,696 4,720 SH   SOLE   0 0 4,720
ISHARES TR CORE MSCI EAFE 46432F842   2,576,040 33,005 SH   SOLE   0 0 33,005
ISHARES INC CORE MSCI EMKT 46434G103   659,411 11,486 SH   SOLE   0 0 11,486
ISHARES TR CORE TOTAL USD 46434V613   1,037,158 22,011 SH   SOLE   0 0 22,011
ISHARES TR CORE DIV GRWTH 46434V621   732,282 11,681 SH   SOLE   0 0 11,681
ISHARES TR MSCI INTL VLU FT 46435G409   1,046,336 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   441,981 3,503 SH   SOLE   0 0 3,503
ISHARES TR 0-3 MNTH TREASRY 46436E718   13,625,476 135,281 SH   SOLE   0 0 135,281
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   27,310,995 536,773 SH   SOLE   0 0 536,773
JOHNSON & JOHNSON COM 478160104   477,753 2,948 SH   SOLE   0 0 3,369
KIMBERLY-CLARK CORP COM 494368103   313,443 2,203 SH   SOLE   0 0 2,203
LISTED FD TR HORIZON KINETICS 53656F623   565,015 15,031 SH   SOLE   0 0 15,031
M & T BK CORP COM 55261F104   368,595 2,069 SH   SOLE   0 0 4,142
MCDONALDS CORP COM 580135101   411,089 1,350 SH   SOLE   0 0 1,350
MICROSOFT CORP COM 594918104   292,604 680 SH   SOLE   0 0 970
NORFOLK SOUTHN CORP COM 655844108   559,871 2,253 SH   SOLE   0 0 2,253
NVIDIA CORPORATION COM 67066G104   280,284 2,308 SH   SOLE   0 0 2,308
PPL CORP COM 69351T106   657,432 19,874 SH   SOLE   0 0 25,595
PEOPLES FINL SVCS CORP COM 711040105   710,373 15,153 SH   SOLE   0 0 15,153
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   173,700 10,000 SH   SOLE   0 0 10,000
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888   7,895,303 419,740 SH   SOLE   0 0 419,740
PROCTER AND GAMBLE CO COM 742718109   322,498 1,862 SH   SOLE   0 0 1,862
PROSHARES TR MSCI EAFE DIVD 74347B839   3,185,286 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,928,961 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   301,020 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,786,643 11,828 SH   SOLE   0 0 12,236
SPDR GOLD TR GOLD SHS 78463V107   337,853 1,390 SH   SOLE   0 0 2,740
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,311,480 31,770 SH   SOLE   0 0 31,770
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,558,508 174,614 SH   SOLE   0 0 174,614
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,720,917 65,894 SH   SOLE   0 0 65,894
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,111,661 39,948 SH   SOLE   0 0 39,948
SPDR SER TR PORTFOLIO AGRGTE 78464A649   28,540,634 1,091,838 SH   SOLE   0 0 1,094,391
SPDR SER TR PORTFOLIO S&P500 78464A854   20,243,419 299,858 SH   SOLE   0 0 299,858
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   1,387,864 48,290 SH   SOLE   0 0 48,290
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   415,007 4,520 SH   SOLE   0 0 4,520
SPDR SER TR PORTFOLIO S&P600 78468R853   10,050,194 220,835 SH   SOLE   0 0 220,835
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   571,162 8,586 SH   SOLE   0 0 13,880
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   53,932,622 794,880 SH   SOLE   0 0 799,715
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,079,132 13,427 SH   SOLE   0 0 13,427
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,685,449 71,562 SH   SOLE   0 0 71,562
SCHWAB STRATEGIC TR MUN BD ETF 808524649   657,255 12,512 SH   SOLE   0 0 12,512
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   2,033,643 36,781 SH   SOLE   0 0 36,781
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,773,986 140,418 SH   SOLE   0 0 140,418
SCHWAB STRATEGIC TR US TIPS ETF 808524870   284,678 5,308 SH   SOLE   0 0 5,308
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   1,127,158 25,233 SH   SOLE   0 0 25,233
TRUIST FINL CORP COM 89832Q109   351,056 8,208 SH   SOLE   0 0 8,208
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,141,996 20,913 SH   SOLE   0 0 20,913
VANGUARD STAR FDS VG TL INTL STK F 921909768   249,314 3,851 SH   SOLE   0 0 3,851
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   316,412 4,021 SH   SOLE   0 0 4,021
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   663,146 8,829 SH   SOLE   0 0 8,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,685,365 28,747 SH   SOLE   0 0 28,747
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   6,208,468 70,327 SH   SOLE   0 0 70,327
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   929,198 18,844 SH   SOLE   0 0 18,844
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   281,440 2,351 SH   SOLE   0 0 2,351
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   27,164,975 431,190 SH   SOLE   0 0 431,190
VANGUARD WORLD FD INF TECH ETF 92204A702   7,588,579 12,938 SH   SOLE   0 0 12,938
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   3,068,790 34,342 SH   SOLE   0 0 34,342
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,528,037 49,453 SH   SOLE   0 0 49,453
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,987,931 41,733 SH   SOLE   0 0 41,733
VANGUARD INDEX FDS GROWTH ETF 922908736   723,914 1,886 SH   SOLE   0 0 1,886
VANGUARD INDEX FDS VALUE ETF 922908744   544,960 3,122 SH   SOLE   0 0 3,122
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,704,354 7,185 SH   SOLE   0 0 7,185
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,069,104 3,776 SH   SOLE   0 0 3,776
VERIZON COMMUNICATIONS INC COM 92343V104   442,004 9,842 SH   SOLE   0 0 10,340
YUM BRANDS INC COM 988498101   621,710 4,450 SH   SOLE   0 0 4,450
LINDE PLC SHS G54950103   207,434 435 SH   SOLE   0 0 435