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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,237,936 9,460 SH   SOLE   0 0 9,460
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,216,662 16,812 SH   SOLE   0 0 16,812
AMAZON COM INC COM 023135106 BBG001S5PQL7 511,150 4,021 SH   SOLE   0 0 4,021
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 263,320 1,765 SH   SOLE   0 0 1,765
APOLLO TACTICAL INCOME FD IN COM 037638103 BBG003NQ4BY4 210,015 15,708 SH   SOLE   0 0 15,708
APPLE INC COM 037833100 BBG001S5N8V8 3,030,748 17,702 SH   SOLE   0 0 17,702
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 531,477 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,893,478 8,260 SH   SOLE   0 0 8,260
BLACKROCK MUNIYILD QULT FD I COM 09254F100 BBG001S6Y4Q9 163,680 16,000 SH   SOLE   0 0 16,000
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 1,315,037 24,906 SH   SOLE   0 0 24,906
COMMUNITY BK SYS INC COM 203607106 BBG001S5PK76 5,823,080 137,955 SH   SOLE   0 0 137,955
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 658,178 1,165 SH   SOLE   0 0 1,165
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 524,483 2,114 SH   SOLE   0 0 2,114
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 268,670 4,338 SH   SOLE   0 0 4,338
FASTENAL CO COM 311900104 BBG001S5R1F7 982,318 17,978 SH   SOLE   0 0 17,978
FIRST TR ENERGY INFRASTRCTR COM 33738C103 BBG001Y23QY7 292,868 19,344 SH   SOLE   0 0 19,344
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 BBG00J3N6MY2 11,487,496 452,826 SH   SOLE   0 0 452,826
FST TR NEW OPPORT MLP & ENE COM 33739M100 BBG005FHWCN7 68,860 11,000 SH   SOLE   0 0 11,000
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 BBG00CP9KWK1 488,377 9,338 SH   SOLE   0 0 9,338
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 BBG00NW3TGY3 221,983 4,445 SH   SOLE   0 0 4,445
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 BBG00L45DKL5 696,391 11,440 SH   SOLE   0 0 11,440
HOME DEPOT INC COM 437076102 BBG001S5RTW7 255,741 846 SH   SOLE   0 0 846
INSPIREMD INC COM 45779A846 BBG001T6WG65 81,750 25,000 SH   SOLE   0 0 25,000
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 275,820 2,507 SH   SOLE   0 0 2,507
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 361,693 2,578 SH   SOLE   0 0 2,578
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 1,363,262 33,430 SH   SOLE   0 0 33,430
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 1,728,597 77,273 SH   SOLE   0 0 77,273
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 BBG00KJR2GD3 284,977 23,985 SH   SOLE   0 0 23,985
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 1,348,556 104,617 SH   SOLE   0 0 104,617
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 12,753,487 893,470 SH   SOLE   0 0 893,470
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 BBG00KJR2L24 1,091,389 103,990 SH   SOLE   0 0 103,990
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 BBG00LNJW5P2 976,887 89,744 SH   SOLE   0 0 89,744
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 288,663 8,750 SH   SOLE   0 0 8,750
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 547,578 1,528 SH   SOLE   0 0 1,528
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 8,421,393 337,048 SH   SOLE   0 0 337,048
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 24,815,636 589,744 SH   SOLE   0 0 589,744
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 2,884,091 95,247 SH   SOLE   0 0 95,247
ISHARES INC MSCI CDA ETF 464286509 BBG001S8R7V0 2,461,359 73,561 SH   SOLE   0 0 73,561
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 5,229,072 118,258 SH   SOLE   0 0 118,258
ISHARES INC MSCI EURZONE ETF 464286608 BBG001SFQPM5 2,859,043 78,746 SH   SOLE   0 0 78,746
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 243,321 2,550 SH   SOLE   0 0 2,550
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 15,959,237 183,490 SH   SOLE   0 0 183,490
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 3,750,524 40,949 SH   SOLE   0 0 40,949
ISHARES TR BB RAT CORP BD 46435U473 BBG00XR0V4D0 736,605 28,384 SH   SOLE   0 0 28,384
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 1,986,755 26,332 SH   SOLE   0 0 26,332
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 73,573,410 1,271,843 SH   SOLE   0 0 1,271,843
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 27,141,783 119,172 SH   SOLE   0 0 119,172
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 27,940,775 325,422 SH   SOLE   0 0 325,422
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 203,827 2,164 SH   SOLE   0 0 2,164
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 51,340,485 119,555 SH   SOLE   0 0 119,555
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 618,971 6,582 SH   SOLE   0 0 6,582
ISHARES TR DOW JONES US ETF 464287846 BBG001S7Y593 338,829 3,243 SH   SOLE   0 0 3,243
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 964,914 17,087 SH   SOLE   0 0 17,087
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 5,434,902 78,619 SH   SOLE   0 0 78,619
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 1,503,029 16,005 SH   SOLE   0 0 16,005
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 436,263 18,354 SH   SOLE   0 0 18,354
ISHARES TR ESG AWRE USD ETF 46435G193 BBG00H4BH3F2 370,508 17,027 SH   SOLE   0 0 17,027
ISHARES TR GLOB HLTHCRE ETF 464287325 BBG001SJX8Q3 7,473,953 102,746 SH   SOLE   0 0 102,746
ISHARES TR IBOND DEC 2030 46436E593 BBG00VYKY6D4 11,888,111 837,822 SH   SOLE   0 0 837,822
ISHARES TR IBONDS 28 TRM TS 46436E833 BBG00RYR4L11 8,025,746 457,026 SH   SOLE   0 0 457,026
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 486,500 10,000 SH   SOLE   0 0 10,000
ISHARES TR MSCI ACWI ETF 464288257 BBG001S56QV7 6,527,710 70,669 SH   SOLE   0 0 70,669
ISHARES TR MSCI ACWI EX US 464288240 BBG001S56R18 345,053 7,340 SH   SOLE   0 0 7,340
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 230,193 3,340 SH   SOLE   0 0 3,340
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 566,762 8,690 SH   SOLE   0 0 8,690
ISHARES TR MSCI LW CRB TG 46434V464 BBG007PGJH85 238,001 1,584 SH   SOLE   0 0 1,584
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 21,962,170 338,403 SH   SOLE   0 0 338,403
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 533,565 17,697 SH   SOLE   0 0 17,697
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 10,327,992 45,103 SH   SOLE   0 0 45,103
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 8,442,260 67,892 SH   SOLE   0 0 67,892
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 3,471,394 65,879 SH   SOLE   0 0 65,879
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 2,441,981 24,129 SH   SOLE   0 0 24,129
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 37,222,658 785,982 SH   SOLE   0 0 785,982
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 1,474,188 36,553 SH   SOLE   0 0 36,553
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 1,208,323 24,008 SH   SOLE   0 0 24,008
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 704,401 4,523 SH   SOLE   0 0 4,523
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 536,719 3,701 SH   SOLE   0 0 3,701
M & T BK CORP COM 55261F104 BBG001S7S2B4 767,219 6,067 SH   SOLE   0 0 6,067
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 6,383,308 16,123 SH   SOLE   0 0 16,123
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,645,678 5,212 SH   SOLE   0 0 5,212
NUVEEN NEW YORK QLT MUN INC COM 67066X107 BBG001SCTFW0 96,700 10,000 SH   SOLE   0 0 10,000
OCULAR THERAPEUTIX INC COM 67576A100 BBG001V0FT93 609,995 194,266 SH   SOLE   0 0 194,266
PAYCHEX INC COM 704326107 BBG001S5V135 569,513 4,938 SH   SOLE   0 0 4,938
PEPSICO INC COM 713448108 BBG001S695T1 214,721 1,267 SH   SOLE   0 0 1,267
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 445,623 4,450 SH   SOLE   0 0 4,450
PIMCO ETF TR ENHANCD SHORT 72201R643 BBG00QQFDTV8 267,377 2,725 SH   SOLE   0 0 2,725
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888 BBG00H3P9YB7 2,192,761 130,057 SH   SOLE   0 0 130,057
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,668,930 11,442 SH   SOLE   0 0 11,442
RAND CAP CORP COM NEW 752185207 BBG001S5VKT5 251,929 19,129 SH   SOLE   0 0 19,129
REDWOOD TRUST INC COM 758075402 BBG001SBHVP8 94,380 13,237 SH   SOLE   0 0 13,237
REVANCE THERAPEUTICS INC COM 761330109 BBG001V0GBC7 137,399 11,979 SH   SOLE   0 0 11,979
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 8,652,469 170,997 SH   SOLE   0 0 170,997
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 262,023 6,326 SH   SOLE   0 0 6,326
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 508,634 1,519 SH   SOLE   0 0 1,519
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 491,719 2,868 SH   SOLE   0 0 2,868
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 311,534 10,046 SH   SOLE   0 0 10,046
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 204,799 6,101 SH   SOLE   0 0 6,101
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,969,289 4,607 SH   SOLE   0 0 4,607
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 15,165,486 644,505 SH   SOLE   0 0 644,505
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 717,053 16,375 SH   SOLE   0 0 16,375
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 18,771,627 469,740 SH   SOLE   0 0 469,740
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 731,513 19,824 SH   SOLE   0 0 19,824
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 513,100 17,500 SH   SOLE   0 0 17,500
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 37,172,620 736,457 SH   SOLE   0 0 736,457
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 42,555,005 1,207,451 SH   SOLE   0 0 1,207,451
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 1,242,763 42,379 SH   SOLE   0 0 42,379
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 4,023,844 104,110 SH   SOLE   0 0 104,110
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,323,956 14,896 SH   SOLE   0 0 14,896
VANECK ETF TRUST GREEN BOND ETF 92189F171 BBG00G4XX4B0 301,144 13,284 SH   SOLE   0 0 13,284
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 385,207 7,831 SH   SOLE   0 0 7,831
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 450,423 2,163 SH   SOLE   0 0 2,163
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 972,325 2,476 SH   SOLE   0 0 2,476
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 262,145 1,234 SH   SOLE   0 0 1,234
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,843,393 47,013 SH   SOLE   0 0 47,013
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 958,356 10,285 SH   SOLE   0 0 10,285
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 7,564,800 160,000 SH   SOLE   0 0 160,000
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 12,854,295 310,479 SH   SOLE   0 0 310,479
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 412,684 5,431 SH   SOLE   0 0 5,431
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 415,603 15,030 SH   SOLE   0 0 15,030
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 346,632 5,200 SH   SOLE   0 0 5,200
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,265,028 8,142 SH   SOLE   0 0 8,142
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,562,850 81,492 SH   SOLE   0 0 81,492
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 615,368 12,200 SH   SOLE   0 0 12,200
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 620,565 8,250 SH   SOLE   0 0 8,250
VISA INC COM CL A 92826C839 BBG001SRCFY3 213,051 926 SH   SOLE   0 0 926
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 13,278,634 326,441 SH   SOLE   0 0 326,441
WORLD GOLD TR SPDR GLD MINIS 98149E303 BBG00L8YYQ05 12,079,067 329,489 SH   SOLE   0 0 329,489