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
3M CO COM 88579Y101 590 4,325 SH   SOLE   4,325 0 0
ABBOTT LABS COM 002824100 631 8,000 SH   SOLE   8,000 0 0
ADVANCED MICRO DEVICES INC COM 007903107 3,359 73,858 SH   SOLE   73,858 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 5,966 30,675 SH   SOLE   30,675 0 0
ALPHABET INC CAP STK CL A 02079K305 12,902 11,104 SH   SOLE   11,104 0 0
AMAZON COM INC COM 023135106 6,805 3,490 SH   SOLE   3,490 0 0
APPLE INC COM 037833100 19,750 77,669 SH   SOLE   77,669 0 0
AT&T INC COM 00206R102 2,395 82,161 SH   SOLE   82,161 0 0
BAXTER INTL INC COM 071813109 264 3,250 SH   SOLE   3,250 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,849 21,052 SH   SOLE   21,052 0 0
BK OF AMERICA CORP COM 060505104 5,060 238,343 SH   SOLE   238,343 0 0
BOEING CO COM 097023105 1,274 8,542 SH   SOLE   8,542 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,642 29,456 SH   SOLE   29,456 0 0
CANADIAN NATL RY CO COM 136375102 416 5,360 SH   SOLE   5,360 0 0
CANOPY GROWTH CORP COM 138035100 236 16,332 SH   SOLE   16,332 0 0
CHEVRON CORP NEW COM 166764100 784 10,816 SH   SOLE   10,816 0 0
CISCO SYS INC COM 17275R102 3,416 86,891 SH   SOLE   86,891 0 0
CITIGROUP INC COM NEW 172967424 2,101 49,873 SH   SOLE   49,873 0 0
COMCAST CORP NEW CL A 20030N101 211 6,143 SH   SOLE   6,143 0 0
CONSOLIDATED EDISON INC COM 209115104 210 2,688 SH   SOLE   2,688 0 0
CVS HEALTH CORP COM 126650100 933 15,730 SH   SOLE   15,730 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 1,822 63,870 SH   SOLE   63,870 0 0
DISNEY WALT CO COM DISNEY 254687106 3,872 40,082 SH   SOLE   40,082 0 0
DOMINION ENERGY INC COM 25746U109 229 3,178 SH   SOLE   3,178 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 251 3,098 SH   SOLE   3,098 0 0
EATON CORP PLC SHS G29183103 2,480 31,925 SH   SOLE   31,925 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 235 1,245 SH   SOLE   1,245 0 0
EMERSON ELEC CO COM 291011104 338 7,083 SH   SOLE   7,083 0 0
EQUINIX INC COM 29444U700 4,993 7,995 SH   SOLE   7,995 0 0
EXXON MOBIL CORP COM 30231G102 713 18,777 SH   SOLE   18,777 0 0
FACEBOOK INC CL A 30303M102 8,377 50,224 SH   SOLE   50,224 0 0
GENERAL ELECTRIC CO COM 369604103 373 47,033 SH   SOLE   47,033 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,991 12,881 SH   SOLE   12,881 0 0
HONEYWELL INTL INC COM 438516106 703 5,252 SH   SOLE   5,252 0 0
IDEX CORP COM 45167R104 481 3,480 SH   SOLE   3,480 0 0
INTEL CORP COM 458140100 1,782 32,924 SH   SOLE   32,924 0 0
INVESCO EXCHANGE-TRADED FD T TAXABLE MUN BD 46138G805 744 24,062 SH   SOLE   24,062 0 0
ISHARES TR SELECT DIVID ETF 464287168 462 6,278 SH   SOLE   6,278 0 0
ISHARES TR TIPS BD ETF 464287176 1,162 9,853 SH   SOLE   9,853 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,740 23,747 SH   SOLE   23,747 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,314 38,490 SH   SOLE   38,490 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,383 25,873 SH   SOLE   25,873 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,009 8,817 SH   SOLE   8,817 0 0
ISHARES TR SHORT TREAS BD 464288679 533 4,800 SH   SOLE   4,800 0 0
ISHARES TR PFD AND INCM SEC 464288687 225 10,523 SH   SOLE   10,523 0 0
JOHNSON & JOHNSON COM 478160104 5,049 38,505 SH   SOLE   38,505 0 0
JPMORGAN CHASE & CO COM 46625H100 6,166 68,492 SH   SOLE   68,492 0 0
KEYCORP COM 493267108 153 14,756 SH   SOLE   14,756 0 0
LOWES COS INC COM 548661107 7,681 89,263 SH   SOLE   89,263 0 0
MASTERCARD INC CL A 57636Q104 8,212 33,997 SH   SOLE   33,997 0 0
MCDONALDS CORP COM 580135101 1,876 11,345 SH   SOLE   11,345 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 1,081 62,549 SH   SOLE   62,549 0 0
MICRON TECHNOLOGY INC COM 595112103 1,360 32,325 SH   SOLE   32,325 0 0
MICROSOFT CORP COM 594918104 17,703 112,255 SH   SOLE   112,255 0 0
NBT BANCORP INC COM 628778102 269 8,312 SH   SOLE   8,312 0 0
NETFLIX INC COM 64110L106 539 1,435 SH   SOLE   1,435 0 0
NIKE INC CL B 654106103 6,912 83,545 SH   SOLE   83,545 0 0
NVIDIA CORP COM 67066G104 2,495 9,463 SH   SOLE   9,463 0 0
PAYPAL HLDGS INC COM 70450Y103 1,009 10,542 SH   SOLE   10,542 0 0
PENN NATL GAMING INC COM 707569109 403 31,867 SH   SOLE   31,867 0 0
PEPSICO INC COM 713448108 315 2,622 SH   SOLE   2,622 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 544 5,500 SH   SOLE   5,500 0 0
PIONEER BANCORP INC COM 723561106 223 21,500 SH   SOLE   21,500 0 0
PROCTER & GAMBLE CO COM 742718109 277 2,523 SH   SOLE   2,523 0 0
REGENERON PHARMACEUTICALS COM 75886F107 2,805 5,744 SH   SOLE   5,744 0 0
SCHWAB CHARLES CORP COM 808513105 1,284 38,190 SH   SOLE   38,190 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,488 74,262 SH   SOLE   74,262 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 265 4,330 SH   SOLE   4,330 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,946 24,433 SH   SOLE   24,433 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,516 34,241 SH   SOLE   34,241 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,063 25,210 SH   SOLE   25,210 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 432 8,376 SH   SOLE   8,376 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,680 81,213 SH   SOLE   81,213 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,281 50,701 SH   SOLE   50,701 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 443 17,148 SH   SOLE   17,148 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 960 16,337 SH   SOLE   16,337 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,008 17,533 SH   SOLE   17,533 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 384 4,331 SH   SOLE   4,331 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 255 2,597 SH   SOLE   2,597 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 443 21,274 SH   SOLE   21,274 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 409 6,935 SH   SOLE   6,935 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,178 14,663 SH   SOLE   14,663 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 568 2,590 SH   SOLE   2,590 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,889 7,330 SH   SOLE   7,330 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 383 1,457 SH   SOLE   1,457 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 854 29,040 SH   SOLE   29,040 0 0
STARBUCKS CORP COM 855244109 7,028 106,904 SH   SOLE   106,904 0 0
TARGET CORP COM 87612E106 2,244 24,132 SH   SOLE   24,132 0 0
TRIMBLE INC COM 896239100 373 11,720 SH   SOLE   11,720 0 0
UNITED TECHNOLOGIES CORP COM 913017109 3,407 36,118 SH   SOLE   36,118 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,406 9,647 SH   SOLE   9,647 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,482 56,661 SH   SOLE   56,661 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,291 26,843 SH   SOLE   26,843 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,618 64,300 SH   SOLE   64,300 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,258 117,787 SH   SOLE   117,787 0 0
VARIAN MED SYS INC COM 92220P105 411 4,000 SH   SOLE   4,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 841 15,644 SH   SOLE   15,644 0 0
VISA INC COM CL A 92826C839 7,731 47,983 SH   SOLE   47,983 0 0
WALMART INC COM 931142103 5,874 51,700 SH   SOLE   51,700 0 0
XYLEM INC COM 98419M100 962 14,770 SH   SOLE   14,770 0 0