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
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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   1,139,554 8,827 SH   SOLE   0 0 8,827
ABBOTT LABS COM 002824100   386,511 3,417 SH   SOLE   0 0 3,417
ABBVIE INC COM 00287Y109   397,076 2,234 SH   SOLE   0 0 2,234
ADOBE INC COM 00724F101   509,603 1,146 SH   SOLE   0 0 1,146
ADVANCED MICRO DEVICES INC COM 007903107   487,629 4,037 SH   SOLE   0 0 4,037
AIR PRODS & CHEMS INC COM 009158106   463,310 1,597 SH   SOLE   0 0 1,597
ALLSTATE CORP COM 020002101   225,301 1,168 SH   SOLE   0 0 1,168
ALPHABET INC CAP STK CL C 02079K107   781,336 4,102 SH   SOLE   0 0 4,102
ALPHABET INC CAP STK CL A 02079K305   904,229 4,776 SH   SOLE   0 0 4,776
ALPS ETF TR SECTR DIV DOGS 00162Q858   242,206 4,285 SH   SOLE   0 0 4,285
AMAZON COM INC COM 023135106   1,616,246 7,367 SH   SOLE   0 0 7,367
AMERICAN EXPRESS CO COM 025816109   335,669 1,131 SH   SOLE   0 0 1,131
AMGEN INC COM 031162100   1,622,270 6,417 SH   SOLE   0 0 6,417
AMPLIFY ETF TR SEYMOUR CANNBS 032108854   22,960 11,200 SH   SOLE   0 0 11,200
AON PLC SHS CL A G0403H108   618,422 1,721 SH   SOLE   0 0 1,721
APPLE INC COM 037833100   8,709,823 34,780 SH   SOLE   0 0 34,780
APPLIED MATLS INC COM 038222105   672,287 4,133 SH   SOLE   0 0 4,133
ARM HOLDINGS PLC SPONSORED ADS 042068205   282,001 2,286 SH   SOLE   0 0 2,286
ASTRAZENECA PLC SPONSORED ADR 046353108   236,084 3,603 SH   SOLE   0 0 3,603
AT&T INC COM 00206R102   753,051 33,072 SH   SOLE   0 0 33,072
BANK AMERICA CORP COM 060505104   591,027 13,447 SH   SOLE   0 0 13,447
BANK NEW YORK MELLON CORP COM 064058100   270,796 3,524 SH   SOLE   0 0 3,524
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,868,590 23,977 SH   SOLE   0 0 23,977
BLACKSTONE INC COM 09260D107   3,420,832 19,840 SH   SOLE   0 0 19,840
BOEING CO COM 097023105   221,680 1,252 SH   SOLE   0 0 1,252
BRISTOL-MYERS SQUIBB CO COM 110122108   308,973 5,462 SH   SOLE   0 0 5,462
BROADCOM INC COM 11135F101   510,788 2,203 SH   SOLE   0 0 2,203
CATERPILLAR INC COM 149123101   3,377,898 9,311 SH   SOLE   0 0 9,311
CHEVRON CORP NEW COM 166764100   2,835,164 19,574 SH   SOLE   0 0 19,574
CISCO SYS INC COM 17275R102   1,721,398 29,077 SH   SOLE   0 0 29,077
CITIZENS & NORTHN CORP COM 172922106   859,984 46,235 SH   SOLE   0 0 46,235
CITIZENS FINL SVCS INC COM 174615104   2,566,765 40,542 SH   SOLE   0 0 40,542
CLEVELAND-CLIFFS INC NEW COM 185899101   136,813 14,554 SH   SOLE   0 0 14,554
COCA COLA CO COM 191216100   1,675,266 26,907 SH   SOLE   0 0 26,907
COLGATE PALMOLIVE CO COM 194162103   276,198 3,038 SH   SOLE   0 0 3,038
CONOCOPHILLIPS COM 20825C104   203,854 2,055 SH   SOLE   0 0 2,055
CONSTELLATION ENERGY CORP COM 21037T109   265,518 1,186 SH   SOLE   0 0 1,186
CORNING INC COM 219350105   350,849 7,383 SH   SOLE   0 0 7,383
CUMMINS INC COM 231021106   239,359 686 SH   SOLE   0 0 686
DATADOG INC CL A COM 23804L103   513,832 3,596 SH   SOLE   0 0 3,596
DISNEY WALT CO COM 254687106   310,195 2,785 SH   SOLE   0 0 2,785
DNP SELECT INCOME FD INC COM 23325P104   204,977 23,240 SH   SOLE   0 0 23,240
DOCUSIGN INC COM 256163106   212,348 2,361 SH   SOLE   0 0 2,361
DOMINION ENERGY INC COM 25746U109   355,412 6,598 SH   SOLE   0 0 6,598
DOW INC COM 260557103   448,094 11,166 SH   SOLE   0 0 11,166
DRAFTKINGS INC NEW COM CL A 26142V105   288,932 7,767 SH   SOLE   0 0 7,767
DUKE ENERGY CORP NEW COM NEW 26441C204   531,771 4,935 SH   SOLE   0 0 4,935
EA SERIES TRUST GADSDN DYN MLT 02072L870   336,631 10,644 SH   SOLE   0 0 10,644
EA SERIES TRUST US QUAN MOMENTUM 02072L409   227,656 3,549 SH   SOLE   0 0 3,549
ELI LILLY & CO COM 532457108   2,352,274 3,046 SH   SOLE   0 0 3,046
ENTERGY CORP NEW COM 29364G103   602,425 7,945 SH   SOLE   0 0 7,945
EQT CORP COM 26884L109   252,162 5,468 SH   SOLE   0 0 5,468
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   215,129 8,588 SH   SOLE   0 0 8,588
EXXON MOBIL CORP COM 30231G102   2,851,879 26,511 SH   SOLE   0 0 26,511
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113   390,550 11,860 SH   SOLE   0 0 11,860
GE AEROSPACE COM NEW 369604301   476,248 2,855 SH   SOLE   0 0 2,855
GE VERNOVA INC COM 36828A101   224,659 683 SH   SOLE   0 0 683
GOLDMAN SACHS GROUP INC COM 38141G104   1,542,456 2,693 SH   SOLE   0 0 2,693
HECLA MNG CO COM 422704106   402,326 81,940 SH   SOLE   0 0 81,940
HERSHEY CO COM 427866108   469,578 2,772 SH   SOLE   0 0 2,772
HOME DEPOT INC COM 437076102   880,283 2,262 SH   SOLE   0 0 2,262
HONEYWELL INTL INC COM 438516106   517,695 2,291 SH   SOLE   0 0 2,291
ILLINOIS TOOL WKS INC COM 452308109   331,329 1,306 SH   SOLE   0 0 1,306
INTEL CORP COM 458140100   252,737 12,605 SH   SOLE   0 0 12,605
INTERNATIONAL BUSINESS MACHS COM 459200101   2,738,693 12,458 SH   SOLE   0 0 12,458
INVESCO EXCH TRADED FD TR II KBW PPTY CASUT 46138E586   269,186 2,319 SH   SOLE   0 0 2,319
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   19,824,152 94,198 SH   SOLE   0 0 94,198
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   3,224,482 30,744 SH   SOLE   0 0 30,744
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   226,848 1,294 SH   SOLE   0 0 1,294
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   285,231 2,477 SH   SOLE   0 0 2,477
INVESCO QQQ TR UNIT SER 1 46090E103   21,617,190 42,284 SH   SOLE   0 0 42,284
ISHARES INC MSCI EMRG CHN 46434G764   223,213 4,025 SH   SOLE   0 0 4,025
ISHARES SILVER TR ISHARES 46428Q109   495,083 18,803 SH   SOLE   0 0 18,803
ISHARES TR CORE S&P MCP ETF 464287507   33,788,343 542,261 SH   SOLE   0 0 542,261
ISHARES TR 7-10 YR TRSY BD 464287440   9,525,786 103,037 SH   SOLE   0 0 103,037
ISHARES TR NATIONAL MUN ETF 464288414   9,097,757 85,384 SH   SOLE   0 0 85,384
ISHARES TR CORE S&P US GWT 464287671   18,631,400 133,702 SH   SOLE   0 0 133,702
ISHARES TR CORE S&P TTL STK 464287150   5,513,593 42,867 SH   SOLE   0 0 42,867
ISHARES TR CORE US AGGBD ET 464287226   19,446,251 200,683 SH   SOLE   0 0 200,683
ISHARES TR CORE S&P SCP ETF 464287804   32,265,230 280,031 SH   SOLE   0 0 280,031
ISHARES TR U.S. MED DVC ETF 464288810   229,570 3,934 SH   SOLE   0 0 3,934
ISHARES TR GLOBAL 100 ETF 464287572   5,443,482 54,018 SH   SOLE   0 0 54,018
ISHARES TR MSCI USA ESG SLC 464288802   251,949 2,072 SH   SOLE   0 0 2,072
ISHARES TR CORE S&P500 ETF 464287200   73,209,833 124,362 SH   SOLE   0 0 124,362
ISHARES TR IBOXX INV CP ETF 464287242   203,929 1,908 SH   SOLE   0 0 1,908
ISHARES TR ISHARES BIOTECH 464287556   229,356 1,734 SH   SOLE   0 0 1,734
ISHARES TR 0-5YR HI YL CP 46434V407   5,006,131 117,487 SH   SOLE   0 0 117,487
ISHARES TR 1 3 YR TREAS BD 464287457   2,469,855 30,127 SH   SOLE   0 0 30,127
ISHARES TR US AER DEF ETF 464288760   524,849 3,610 SH   SOLE   0 0 3,610
ISHARES U S ETF TR SHORT DURATION B 46431W507   532,454 10,543 SH   SOLE   0 0 10,543
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   21,140,299 419,700 SH   SOLE   0 0 419,700
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   266,405 4,630 SH   SOLE   0 0 4,630
JOHNSON & JOHNSON COM 478160104   1,936,444 13,389 SH   SOLE   0 0 13,389
JPMORGAN CHASE & CO. COM 46625H100   5,280,635 22,029 SH   SOLE   0 0 22,029
LAM RESEARCH CORP COM NEW 512807306   208,710 2,889 SH   SOLE   0 0 2,889
LOCKHEED MARTIN CORP COM 539830109   853,364 1,756 SH   SOLE   0 0 1,756
M & T BK CORP COM 55261F104   1,951,761 10,381 SH   SOLE   0 0 10,381
MARATHON PETE CORP COM 56585A102   228,333 1,636 SH   SOLE   0 0 1,636
MARVELL TECHNOLOGY INC COM 573874104   264,943 2,398 SH   SOLE   0 0 2,398
MASTERCARD INCORPORATED CL A 57636Q104   461,638 876 SH   SOLE   0 0 876
MCDONALDS CORP COM 580135101   646,315 2,229 SH   SOLE   0 0 2,229
MERCK & CO INC COM 58933Y105   2,487,275 25,002 SH   SOLE   0 0 25,002
META PLATFORMS INC CL A 30303M102   670,435 1,145 SH   SOLE   0 0 1,145
MICROSOFT CORP COM 594918104   5,259,658 12,478 SH   SOLE   0 0 12,478
MORGAN STANLEY COM NEW 617446448   536,940 4,270 SH   SOLE   0 0 4,270
NETFLIX INC COM 64110L106   227,287 255 SH   SOLE   0 0 255
NEXTERA ENERGY INC COM 65339F101   765,400 10,676 SH   SOLE   0 0 10,676
NOVO-NORDISK A S ADR 670100205   456,608 5,308 SH   SOLE   0 0 5,308
NVIDIA CORPORATION COM 67066G104   3,152,671 23,476 SH   SOLE   0 0 23,476
ORACLE CORP COM 68389X105   469,655 2,818 SH   SOLE   0 0 2,818
PACER FDS TR US CASH COWS 100 69374H881   17,030,930 301,539 SH   SOLE   0 0 301,539
PALO ALTO NETWORKS INC COM 697435105   467,273 2,568 SH   SOLE   0 0 2,568
PENNS WOODS BANCORP INC COM 708430103   2,322,928 76,437 SH   SOLE   0 0 76,437
PEPSICO INC COM 713448108   1,139,670 7,494 SH   SOLE   0 0 7,494
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   228,751 17,787 SH   SOLE   0 0 17,787
PFIZER INC COM 717081103   1,115,169 42,034 SH   SOLE   0 0 42,034
PHILIP MORRIS INTL INC COM 718172109   334,339 2,778 SH   SOLE   0 0 2,778
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   424,337 4,228 SH   SOLE   0 0 4,228
PIMCO MUN INCOME FD COM 72200R107   215,376 23,984 SH   SOLE   0 0 23,984
PNC FINL SVCS GROUP INC COM 693475105   407,131 2,111 SH   SOLE   0 0 2,111
PPL CORP COM 69351T106   761,971 23,474 SH   SOLE   0 0 23,474
PROCTER AND GAMBLE CO COM 742718109   2,832,337 16,894 SH   SOLE   0 0 16,894
PROGRESSIVE CORP COM 743315103   378,839 1,581 SH   SOLE   0 0 1,581
PRUDENTIAL FINL INC COM 744320102   459,802 3,879 SH   SOLE   0 0 3,879
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   425,697 5,038 SH   SOLE   0 0 5,038
ROCKWELL AUTOMATION INC COM 773903109   260,260 910 SH   SOLE   0 0 910
ROYAL CARIBBEAN GROUP COM V7780T103   247,266 1,071 SH   SOLE   0 0 1,071
RTX CORPORATION COM 75513E101   610,382 5,274 SH   SOLE   0 0 5,274
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   348,475 12,503 SH   SOLE   0 0 12,503
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   790,176 34,809 SH   SOLE   0 0 34,809
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   29,483,786 1,079,201 SH   SOLE   0 0 1,079,201
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   391,528 16,890 SH   SOLE   0 0 16,890
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,421,142 10,330 SH   SOLE   0 0 10,330
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,248,120 15,877 SH   SOLE   0 0 15,877
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   11,585,322 284,861 SH   SOLE   0 0 284,861
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   264,177 3,139 SH   SOLE   0 0 3,139
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,338,556 17,684 SH   SOLE   0 0 17,684
SELECT SECTOR SPDR TR INDL 81369Y704   281,073 2,133 SH   SOLE   0 0 2,133
SMITH A O CORP COM 831865209   213,701 3,132 SH   SOLE   0 0 3,132
SOFI TECHNOLOGIES INC COM 83406F102   1,030,476 66,914 SH   SOLE   0 0 66,914
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,605,688 6,123 SH   SOLE   0 0 6,123
SPDR GOLD TR GOLD SHS 78463V107   751,420 3,103 SH   SOLE   0 0 3,103
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   218,519 4,391 SH   SOLE   0 0 4,391
SPDR S&P 500 ETF TR TR UNIT 78462F103   536,845 915 SH   SOLE   0 0 915
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   1,731,548 179,435 SH   SOLE   0 0 179,435
TESLA INC COM 88160R101   380,417 942 SH   SOLE   0 0 942
TEXAS INSTRS INC COM 882508104   422,566 2,253 SH   SOLE   0 0 2,253
THERMO FISHER SCIENTIFIC INC COM 883556102   253,629 487 SH   SOLE   0 0 487
TRANE TECHNOLOGIES PLC SHS G8994E103   221,610 600 SH   SOLE   0 0 600
UNION PAC CORP COM 907818108   407,096 1,785 SH   SOLE   0 0 1,785
UNITED RENTALS INC COM 911363109   401,324 569 SH   SOLE   0 0 569
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   3,573,547 14,756 SH   SOLE   0 0 14,756
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,183,522 4,083 SH   SOLE   0 0 4,083
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,209,805 13,380 SH   SOLE   0 0 13,380
VANGUARD INDEX FDS VALUE ETF 922908744   2,620,166 15,476 SH   SOLE   0 0 15,476
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   809,287 9,084 SH   SOLE   0 0 9,084
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   245,885 3,874 SH   SOLE   0 0 3,874
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   503,516 4,285 SH   SOLE   0 0 4,285
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   24,806,263 563,266 SH   SOLE   0 0 563,266
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   468,854 9,352 SH   SOLE   0 0 9,352
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   37,006,899 461,030 SH   SOLE   0 0 461,030
VANGUARD STAR FDS VG TL INTL STK F 921909768   223,781 3,797 SH   SOLE   0 0 3,797
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,262,666 381,904 SH   SOLE   0 0 381,904
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   916,497 7,337 SH   SOLE   0 0 7,337
VANGUARD WORLD FD INF TECH ETF 92204A702   650,399 1,045 SH   SOLE   0 0 1,045
VERIZON COMMUNICATIONS INC COM 92343V104   1,549,787 38,754 SH   SOLE   0 0 38,754
VERTIV HOLDINGS CO COM CL A 92537N108   392,651 3,456 SH   SOLE   0 0 3,456
VISA INC COM CL A 92826C839   593,578 1,878 SH   SOLE   0 0 1,878
WALMART INC COM 931142103   1,146,048 12,684 SH   SOLE   0 0 12,684
WASTE MGMT INC DEL COM 94106L109   469,953 2,328 SH   SOLE   0 0 2,328
WEC ENERGY GROUP INC COM 92939U106   461,779 4,910 SH   SOLE   0 0 4,910
WELLS FARGO CO NEW COM 949746101   616,090 8,771 SH   SOLE   0 0 8,771
WELLTOWER INC COM 95040Q104   312,504 2,479 SH   SOLE   0 0 2,479
WILLIAMS COS INC COM 969457100   202,248 3,737 SH   SOLE   0 0 3,737
WISDOMTREE TR GLB HIGH DIV FD 97717W877   3,512,163 67,126 SH   SOLE   0 0 67,126