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
ISHARES TR CORE S&P MCP ETF 464287507 21,916 121,895 SH   SOLE   0 0 121,895
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 15,283 298,603 SH   SOLE   0 0 298,603
ISHARES GOLD TRUST ISHARES 464285105 26,539 1,549,600 SH   SOLE   0 0 1,549,600
SPDR SER TR PORTFOLIO S&P400 78464A847 856 27,153 SH   SOLE   0 0 27,153
VANGUARD WORLD FD ESG INTL STK ETF 921910725 625 12,450 SH   SOLE   0 0 12,450
SPDR SER TR BLOOMBERG SRT TR 78468R408 206,016 8,001 SH   SOLE   0 0 8,001
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 9,014 182,286 SH   SOLE   0 0 182,286
SPDR SER TR PORTFOLIO SHORT 78464A474 816 26,050 SH   SOLE   0 0 26,050
ISHARES TR CORE HIGH DV ETF 46429B663 3,680 44,755 SH   SOLE   0 0 44,755
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 403 5,037 SH   SOLE   0 0 5,037
ISHARES TR INTRM TR CRP ETF 464288638 605 10,000 SH   SOLE   0 0 10,000
ISHARES TR CORE S&P SCP ETF 464287804 15,526 226,734 SH   SOLE   0 0 226,734
3M CO COM 88579Y101 221 1,397 SH   SOLE   0 0 1,397
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,466 9 SH   SOLE   0 0 9
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 20,664 407,251 SH   SOLE   0 0 407,251
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 14,276 575,109 SH   SOLE   0 0 575,109
ISHARES TR MSCI ACWI EX US 464288240 311 6,898 SH   SOLE   0 0 6,898
INTERNATIONAL BUSINESS MACHS COM 459200101 336 2,794 SH   SOLE   0 0 2,794
REVANCE THERAPEUTICS INC COM 761330109 349 13,312 SH   SOLE   0 0 13,312
ALPHABET INC CAP STK CL C 02079K107 1,238 828 SH   SOLE   0 0 828
COSTCO WHSL CORP NEW COM 22160K105 323 1,038 SH   SOLE   0 0 1,038
SPDR SER TR PRTFLO S&P500 GW 78464A409 39,249 838,187 SH   SOLE   0 0 838,187
AMGEN INC COM 031162100 240 920 SH   SOLE   0 0 920
MASTERCARD INCORPORATED CL A 57636Q104 6,747 22,080 SH   SOLE   0 0 22,080
ISHARES TR NASDAQ BIOTECH 464287556 4,015 28,797 SH   SOLE   0 0 28,797
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 1,534 38,367 SH   SOLE   0 0 38,367
ALPS ETF TR ALERIAN MLP 00162Q452 302 12,846 SH   SOLE   0 0 12,846
SPDR SER TR SPDR BLOOMBERG 78468R663 7,750 84,685 SH   SOLE   0 0 84,685
PROCTER AND GAMBLE CO COM 742718109 512 4,213 SH   SOLE   0 0 4,213
ISHARES TR GLOB HLTHCRE ETF 464287325 3,732 53,069 SH   SOLE   0 0 53,069
RAYTHEON TECHNOLOGIES CORP COM 75513E101 492 7,769 SH   SOLE   0 0 7,769
UNIVERSAL DISPLAY CORP COM 91347P105 969 6,300 SH   SOLE   0 0 6,300
VANGUARD WORLD FD ESG US STK ETF 921910733 533 9,200 SH   SOLE   0 0 9,200
ISHARES TR ESG AWRE 1 5 YR 46435G243 489 18,762 SH   SOLE   0 0 18,762
DANAHER CORPORATION COM 235851102 400 2,184 SH   SOLE   0 0 2,184
WISDOMTREE TR FLOATNG RAT TREA 97717X628 809 32,219 SH   SOLE   0 0 32,219
SPDR SER TR PORTFOLIO S&P600 78468R853 946 35,600 SH   SOLE   0 0 35,600
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,712 51,624 SH   SOLE   0 0 51,624
ISHARES TR CORE S&P TTL STK 464287150 459 6,443 SH   SOLE   0 0 6,443
SPDR SER TR PORTFOLIO S&P500 78464A854 334 8,973 SH   SOLE   0 0 8,973
M & T BK CORP COM 55261F104 573 5,618 SH   SOLE   0 0 5,618
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 2,305 105,402 SH   SOLE   0 0 105,402
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 2,041 93,509 SH   SOLE   0 0 93,509
ISHARES TR CORE US AGGBD ET 464287226 956 8,088 SH   SOLE   0 0 8,088
ISHARES TR ESG MSCI EAFE 46435G516 9,531 152,294 SH   SOLE   0 0 152,294
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 358 1,361 SH   SOLE   0 0 1,361
SPDR GOLD TR GOLD SHS 78463V107 625 3,719 SH   SOLE   0 0 3,719
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 281 3,050 SH   SOLE   0 0 3,050
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 25,888 367,332 SH   SOLE   0 0 367,332
INVESCO EXCHANGE-TRADED FD T VAR RATE PFD 46138G870 4,262 179,870 SH   SOLE   0 0 179,870
PACER FDS TR BNCHMRK INFRA 69374H741 15,172 416,207 SH   SOLE   0 0 416,207
VANGUARD INDEX FDS MID CAP ETF 922908629 518 3,101 SH   SOLE   0 0 3,101
ISHARES TR DOW JONES US ETF 464287846 273 1,740 SH   SOLE   0 0 1,740
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 587 12,725 SH   SOLE   0 0 12,725
VULCAN MATLS CO COM 929160109 980 7,919 SH   SOLE   0 0 7,919
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 15,022 343,451 SH   SOLE   0 0 343,451
FASTENAL CO COM 311900104 892 20,178 SH   SOLE   0 0 20,178
SPDR SER TR PORTFOLIO INTRMD 78464A375 715,536 55,726 SH   SOLE   0 0 55,726
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 456 14,755 SH   SOLE   0 0 14,755
INVESCO QQQ TR UNIT SER 1 46090E103 382 1,477 SH   SOLE   0 0 1,477
INTERCONTINENTAL EXCHANGE IN COM 45866F104 232 2,507 SH   SOLE   0 0 2,507
WORLD GOLD TR SPDR GLD MINIS 98149E204 3,257 182,980 SH   SOLE   0 0 182,980
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 224 7,881 SH   SOLE   0 0 7,881
ISHARES TR EAFE SML CP ETF 464288273 1,343 24,422 SH   SOLE   0 0 24,422
GENERAL ELECTRIC CO COM 369604103 140 20,006 SH   SOLE   0 0 20,006
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 867 20,214 SH   SOLE   0 0 20,214
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 5,855 58,416 SH   SOLE   0 0 58,416
JOHNSON & JOHNSON COM 478160104 644 4,507 SH   SOLE   0 0 4,507
BOSTON SCIENTIFIC CORP COM 101137107 1,096 30,786 SH   SOLE   0 0 30,786
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,217 10,218 SH   SOLE   0 0 10,218
ISHARES TR MSCI MIN VOL ETF 46429B697 60,941 987,921 SH   SOLE   0 0 987,921
ISHARES TR BARCLAYS 7 10 YR 464287440 21,847 179,485 SH   SOLE   0 0 179,485
ISHARES TR TIPS BD ETF 464287176 692 5,592 SH   SOLE   0 0 5,592
OCULAR THERAPEUTIX INC COM 67576A100 1,478 195,766 SH   SOLE   0 0 195,766
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,103 6,036 SH   SOLE   0 0 6,036
TJX COS INC NEW COM 872540109 862 16,374 SH   SOLE   0 0 16,374
ISHARES TR ESG MSCI USA ETF 46435G425 1,675 23,272 SH   SOLE   0 0 23,272
ISHARES TR EDGE MSCI MINM 46435G433 1,874 64,373 SH   SOLE   0 0 64,373
ISHARES TR MSCI EAFE ETF 464287465 234 3,730 SH   SOLE   0 0 3,730
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,670 78,084 SH   SOLE   0 0 78,084
KRANESHARES TR CSI CHI INTERNET 500767306 13,399 200,271 SH   SOLE   0 0 200,271
ISHARES TR RUS 1000 GRW ETF 464287614 18,674 93,049 SH   SOLE   0 0 93,049
ISHARES TR FLTG RATE NT ETF 46429B655 1,894 37,500 SH   SOLE   0 0 37,500
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 261 2,600 SH   SOLE   0 0 2,600
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 6,899 120,633 SH   SOLE   0 0 120,633
SPDR SER TR PRTFLO S&P500 VL 78464A508 37,147 1,258,495 SH   SOLE   0 0 1,258,495
ISHARES TR S&P 500 GRWT ETF 464287309 5,433 25,036 SH   SOLE   0 0 25,036
APPLE INC COM 037833100 1,733 4,635 SH   SOLE   0 0 4,635
VERIZON COMMUNICATIONS INC COM 92343V104 323 5,843 SH   SOLE   0 0 5,843
ISHARES TR MIN VOL EAFE ETF 46429B689 26,719 396,403 SH   SOLE   0 0 396,403
DISNEY WALT CO COM DISNEY 254687106 363 3,172 SH   SOLE   0 0 3,172
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 230 5,416 SH   SOLE   0 0 5,416
ALPHABET INC CAP STK CL A 02079K305 709 473 SH   SOLE   0 0 473
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,113 47,530 SH   SOLE   0 0 47,530
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,334 4,209 SH   SOLE   0 0 4,209
ISHARES TR PFD AND INCM SEC 464288687 735 21,180 SH   SOLE   0 0 21,180
ISHARES TR CORE S&P500 ETF 464287200 43,399 136,365 SH   SOLE   0 0 136,365
ISHARES INC MIN VOL EMRG MKT 464286533 9,144 165,685 SH   SOLE   0 0 165,685
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 24,625 487,971 SH   SOLE   0 0 487,971
ISHARES TR RUS 1000 VAL ETF 464287598 13,677 119,287 SH   SOLE   0 0 119,287
MICROSOFT CORP COM 594918104 1,329 6,309 SH   SOLE   0 0 6,309
PRINCIPAL EXCHANGE-TRADED FD SPECTRUM PFD 74255Y888 1,634 16,812 SH   SOLE   0 0 16,812
OTIS WORLDWIDE CORP COM 68902V107 210 3,701 SH   SOLE   0 0 3,701
GLOBAL X FDS GLBL X MLP ETF 37954Y343 315 12,195 SH   SOLE   0 0 12,195
ISHARES INC CORE MSCI EMKT 46434G103 17,765 345,334 SH   SOLE   0 0 345,334
VANECK VECTORS ETF TR GREEN BD ETF 92189F171 712 25,831 SH   SOLE   0 0 25,831
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,344 30,874 SH   SOLE   0 0 30,874
COMMUNITY BK SYS INC COM 203607106 8,313 149,547 SH   SOLE   0 0 149,547
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200 2,931 59,085 SH   SOLE   0 0 59,085
ISHARES TR CORE MSCI EAFE 46432F842 56,335 951,963 SH   SOLE   0 0 951,963
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 21,822 227,838 SH   SOLE   0 0 227,838
ISHARES TR S&P 500 VAL ETF 464287408 4,085 36,983 SH   SOLE   0 0 36,983
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 2,285 61,115 SH   SOLE   0 0 61,115