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
ABBVIE INC COM 00287Y109   820,504 4,784 SH   SOLE   0 0 4,784
AIR PRODS & CHEMS INC COM 009158106   481,005 1,864 SH   SOLE   0 0 1,864
ALLSTATE CORP COM 020002101   273,400 1,712 SH   SOLE   0 0 1,712
ALPHABET INC CAP STK CL C 02079K107   230,192 1,255 SH   SOLE   0 0 1,255
ALPHABET INC CAP STK CL A 02079K305   2,814,015 15,449 SH   SOLE   0 0 15,449
AMAZON COM INC COM 023135106   1,631,610 8,443 SH   SOLE   0 0 8,443
AMERICAN EXPRESS CO COM 025816109   401,508 1,734 SH   SOLE   0 0 1,734
AMERIPRISE FINL INC COM 03076C106   741,444 1,736 SH   SOLE   0 0 1,736
APPLE INC COM 037833100   5,067,087 24,058 SH   SOLE   0 0 24,058
BANK AMERICA CORP COM 060505104   487,662 12,262 SH   SOLE   0 0 12,262
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,121,954 2,758 SH   SOLE   0 0 2,758
BIOGEN INC COM 09062X103   301,830 1,302 SH   SOLE   0 0 1,302
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   50,803 11,340 SH   SOLE   0 0 11,340
CF INDS HLDGS INC COM 125269100   233,429 3,149 SH   SOLE   0 0 3,149
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   472,070 14,353 SH   SOLE   0 0 14,353
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   446,325 13,525 SH   SOLE   0 0 13,525
CHEVRON CORP NEW COM 166764100   1,149,215 7,347 SH   SOLE   0 0 7,347
CIENA CORP COM NEW 171779309   1,165,426 24,189 SH   SOLE   0 0 24,189
CISCO SYS INC COM 17275R102   1,067,345 22,466 SH   SOLE   0 0 22,466
CITIZENS & NORTHN CORP COM 172922106   300,169 16,779 SH   SOLE   0 0 16,779
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   48,411 27,506 SH   SOLE   0 0 27,506
COMPASS DIVERSIFIED SH BEN INT 20451Q104   236,584 10,808 SH   SOLE   0 0 10,808
CONOCOPHILLIPS COM 20825C104   532,350 4,654 SH   SOLE   0 0 4,654
CONSTELLATION BRANDS INC CL A 21036P108   296,545 1,153 SH   SOLE   0 0 1,153
COSTCO WHSL CORP NEW COM 22160K105   999,879 1,176 SH   SOLE   0 0 1,176
CUMMINS INC COM 231021106   355,265 1,283 SH   SOLE   0 0 1,283
DTE ENERGY CO COM 233331107   1,101,905 9,926 SH   SOLE   0 0 9,926
DANAHER CORPORATION COM 235851102   375,527 1,503 SH   SOLE   0 0 1,503
DELTA AIR LINES INC DEL COM NEW 247361702   302,430 6,375 SH   SOLE   0 0 6,375
DISNEY WALT CO COM 254687106   867,934 8,741 SH   SOLE   0 0 8,741
EQT CORP COM 26884L109   289,657 7,833 SH   SOLE   0 0 7,833
EXXON MOBIL CORP COM 30231G102   468,831 4,073 SH   SOLE   0 0 4,073
META PLATFORMS INC CL A 30303M102   780,597 1,548 SH   SOLE   0 0 1,548
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   565,152 22,525 SH   SOLE   0 0 22,525
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   354,189 2,065 SH   SOLE   0 0 2,065
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   315,939 6,188 SH   SOLE   0 0 6,188
FISERV INC COM 337738108   617,026 4,140 SH   SOLE   0 0 4,140
FORD MTR CO DEL COM 345370860   673,226 53,686 SH   SOLE   0 0 53,686
GENERAC HLDGS INC COM 368736104   334,517 2,530 SH   SOLE   0 0 2,530
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   31,723,506 296,620 SH   SOLE   0 0 296,620
HOST HOTELS & RESORTS INC COM 44107P104   246,927 13,733 SH   SOLE   0 0 13,733
INTEL CORP COM 458140100   1,000,305 32,299 SH   SOLE   0 0 32,299
INTERNATIONAL BUSINESS MACHS COM 459200101   1,108,020 6,407 SH   SOLE   0 0 6,407
INVESCO ACTVELY MNGD ETC FD ELC VEH MTLS CDT 46090F209   431,845 25,890 SH   SOLE   0 0 25,890
ISHARES TR CORE S&P500 ETF 464287200   221,237 404 SH   SOLE   0 0 404
ISHARES TR CORE US AGGBD ET 464287226   10,918,943 112,485 SH   SOLE   0 0 112,485
ISHARES TR RUS MDCP VAL ETF 464287473   493,223 4,085 SH   SOLE   0 0 4,085
ISHARES TR RUS MD CP GR ETF 464287481   395,053 3,580 SH   SOLE   0 0 3,580
ISHARES TR EAFE SML CP ETF 464288273   343,335 5,570 SH   SOLE   0 0 5,570
ISHARES TR NATIONAL MUN ETF 464288414   1,678,171 15,750 SH   SOLE   0 0 15,750
ISHARES TR MSCI USA QLT FCT 46432F339   436,353 2,555 SH   SOLE   0 0 2,555
ISHARES TR IBONDS DEC25 ETF 46434VBD1   362,326 14,575 SH   SOLE   0 0 14,575
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,978,000 78,711 SH   SOLE   0 0 78,711
ISHARES TR MSCI GBL SUS DEV 46435G532   576,538 7,680 SH   SOLE   0 0 7,680
ISHARES TR IBONDS DEC2026 46435GAA0   2,034,151 85,397 SH   SOLE   0 0 85,397
ISHARES TR IBONDS DEC 26 46435U259   572,440 22,608 SH   SOLE   0 0 22,608
ISHARES TR IBONDS DEC 28 46435U325   523,983 20,943 SH   SOLE   0 0 20,943
ISHARES TR IBDS DEC28 ETF 46435U515   2,069,866 83,563 SH   SOLE   0 0 83,563
ISHARES TR IBONDS DEC 46435U697   576,361 22,129 SH   SOLE   0 0 22,129
ISHARES TR IBONDS 27 ETF 46435UAA9   271,370 11,436 SH   SOLE   0 0 11,436
ISHARES TR IBONDS DEC 29 46436E205   250,597 11,054 SH   SOLE   0 0 11,054
ISHARES TR IBONDS DEC 2032 46436E312   255,937 10,421 SH   SOLE   0 0 10,421
ISHARES TR IBONDS DEC 2031 46436E486   224,204 11,050 SH   SOLE   0 0 11,050
ISHARES TR IBONDS DEC 2030 46436E726   2,015,290 94,793 SH   SOLE   0 0 94,793
JPMORGAN CHASE & CO. COM 46625H100   1,506,924 7,450 SH   SOLE   0 0 7,450
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,016,762 20,037 SH   SOLE   0 0 20,037
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   257,397 5,100 SH   SOLE   0 0 5,100
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   13,387,359 241,214 SH   SOLE   0 0 241,214
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   520,757 10,235 SH   SOLE   0 0 10,235
JOHNSON & JOHNSON COM 478160104   778,926 5,329 SH   SOLE   0 0 5,329
KLA CORP COM NEW 482480100   1,028,548 1,247 SH   SOLE   0 0 1,247
KENVUE INC COM 49177J102   344,566 18,953 SH   SOLE   0 0 18,953
LOWES COS INC COM 548661107   1,291,167 5,857 SH   SOLE   0 0 5,857
LUMINAR TECHNOLOGIES INC COM CL A 550424105   29,800 20,000 SH   SOLE   0 0 20,000
M & T BK CORP COM 55261F104   812,590 5,369 SH   SOLE   0 0 5,369
MASCO CORP COM 574599106   552,187 8,282 SH   SOLE   0 0 8,282
MASTERCARD INCORPORATED CL A 57636Q104   1,369,240 3,104 SH   SOLE   0 0 3,104
MCKESSON CORP COM 58155Q103   983,157 1,683 SH   SOLE   0 0 1,683
MERCK & CO INC COM 58933Y105   720,541 5,820 SH   SOLE   0 0 5,820
METLIFE INC COM 59156R108   418,134 5,957 SH   SOLE   0 0 5,957
MICROSOFT CORP COM 594918104   3,394,379 7,595 SH   SOLE   0 0 7,595
MICROSTRATEGY INC CL A NEW 594972408   743,839 540 SH   SOLE   0 0 540
NETFLIX INC COM 64110L106   527,081 781 SH   SOLE   0 0 781
NOVO-NORDISK A S ADR 670100205   222,817 1,561 SH   SOLE   0 0 1,561
NUCOR CORP COM 670346105   642,911 4,067 SH   SOLE   0 0 4,067
NVIDIA CORPORATION COM 67066G104   5,627,660 45,553 SH   SOLE   0 0 45,553
NUSCALE PWR CORP CL A COM 67079K100   135,733 11,611 SH   SOLE   0 0 11,611
PELOTON INTERACTIVE INC CL A COM 70614W100   42,166 12,475 SH   SOLE   0 0 12,475
PENNS WOODS BANCORP INC COM 708430103   372,310 18,117 SH   SOLE   0 0 18,117
PFIZER INC COM 717081103   545,473 19,495 SH   SOLE   0 0 19,495
PRUDENTIAL FINL INC COM 744320102   652,297 5,566 SH   SOLE   0 0 5,566
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   670,449 9,097 SH   SOLE   0 0 9,097
QUANTA SVCS INC COM 74762E102   502,605 1,978 SH   SOLE   0 0 1,978
QUANTUMSCAPE CORP COM CL A 74767V109   50,159 10,195 SH   SOLE   0 0 10,195
REGENERON PHARMACEUTICALS COM 75886F107   605,393 576 SH   SOLE   0 0 576
ROPER TECHNOLOGIES INC COM 776696106   1,406,960 2,496 SH   SOLE   0 0 2,496
SPDR SER TR S&P DIVID ETF 78464A763   220,657 1,735 SH   SOLE   0 0 1,735
SPROUTS FMRS MKT INC COM 85208M102   210,405 2,515 SH   SOLE   0 0 2,515
STANLEY BLACK & DECKER INC COM 854502101   696,917 8,723 SH   SOLE   0 0 8,723
STRYKER CORPORATION COM 863667101   745,139 2,190 SH   SOLE   0 0 2,190
TARGET CORP COM 87612E106   932,227 6,297 SH   SOLE   0 0 6,297
THERMO FISHER SCIENTIFIC INC COM 883556102   1,315,160 2,378 SH   SOLE   0 0 2,378
UNION PAC CORP COM 907818108   495,808 2,191 SH   SOLE   0 0 2,191
UNITEDHEALTH GROUP INC COM 91324P102   648,110 1,273 SH   SOLE   0 0 1,273
UNIVERSAL DISPLAY CORP COM 91347P105   444,980 2,116 SH   SOLE   0 0 2,116
VALERO ENERGY CORP COM 91913Y100   305,112 1,946 SH   SOLE   0 0 1,946
VANGUARD INDEX FDS TOTAL STK MKT 922908769   360,007 1,346 SH   SOLE   0 0 1,346
VERIZON COMMUNICATIONS INC COM 92343V104   1,862,370 45,159 SH   SOLE   0 0 45,159
VISA INC COM CL A 92826C839   349,160 1,330 SH   SOLE   0 0 1,330
WALMART INC COM 931142103   609,089 8,996 SH   SOLE   0 0 8,996
WEST PHARMACEUTICAL SVSC INC COM 955306105   261,865 795 SH   SOLE   0 0 795
WISDOMTREE TR EMER MKT HIGH FD 97717W315   272,377 6,289 SH   SOLE   0 0 6,289
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   549,124 1,810 SH   SOLE   0 0 1,810
GAN LTD SHS G3728V109   22,911 15,533 SH   SOLE   0 0 15,533