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 793 3,991 SH   SOLE   3,991 0 0
ABBOTT LABS COM 002824100 919 7,925 SH   SOLE   7,925 0 0
ADVANCED MICRO DEVICES INC COM 007903107 9,003 95,847 SH   SOLE   95,847 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 624 2,750 SH   SOLE   2,750 0 0
ALLY FINL INC COM 02005N100 4,745 95,200 SH   SOLE   95,200 0 0
ALPHABET INC CAP STK CL A 02079K305 28,042 11,484 SH   SOLE   11,484 0 0
AMAZON COM INC COM 023135106 12,326 3,583 SH   SOLE   3,583 0 0
AMERICAN EXPRESS CO COM 025816109 241 1,460 SH   SOLE   1,460 0 0
APPLE INC COM 037833100 36,466 266,253 SH   SOLE   266,253 0 0
ARK ETF TR FINTECH INNOVA 00214Q708 812 15,011 SH   SOLE   15,011 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 4,999 54,044 SH   SOLE   54,044 0 0
ARK ETF TR INNOVATION ETF 00214Q104 2,248 17,186 SH   SOLE   17,186 0 0
AT&T INC COM 00206R102 240 8,332 SH   SOLE   8,332 0 0
BAXTER INTL INC COM 071813109 397 4,933 SH   SOLE   4,933 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,651 5,940 SH   SOLE   5,940 0 0
BK OF AMERICA CORP COM 060505104 9,265 248,645 SH   SOLE   248,645 0 0
BOEING CO COM 097023105 1,720 7,178 SH   SOLE   7,178 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,661 54,793 SH   SOLE   54,793 0 0
BUMBLE INC COM CL A 12047B105 877 15,219 SH   SOLE   15,219 0 0
CANADIAN NATL RY CO COM 136375102 484 4,585 SH   SOLE   4,585 0 0
CHEVRON CORP NEW COM 166764100 1,084 10,347 SH   SOLE   10,347 0 0
CITIGROUP INC COM NEW 172967424 5,429 76,735 SH   SOLE   76,735 0 0
CLEVELAND-CLIFFS INC NEW COM 185899101 1,015 47,055 SH   SOLE   47,055 0 0
COCA COLA CO COM 191216100 262 4,851 SH   SOLE   4,851 0 0
COMCAST CORP NEW CL A 20030N101 355 6,220 SH   SOLE   6,220 0 0
CSX CORP COM 126408103 200 6,231 SH   SOLE   6,231 0 0
DEERE & CO COM 244199105 282 799 SH   SOLE   799 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 2,874 66,436 SH   SOLE   66,436 0 0
DISNEY WALT CO COM 254687106 8,118 46,186 SH   SOLE   46,186 0 0
DOMINION ENERGY INC COM 25746U109 296 4,018 SH   SOLE   4,018 0 0
DRAFTKINGS INC COM CL A 26142R104 4,805 92,107 SH   SOLE   92,107 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 333 3,378 SH   SOLE   3,378 0 0
DXC TECHNOLOGY CO COM 23355L106 4,788 122,964 SH   SOLE   122,964 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 493 4,757 SH   SOLE   4,757 0 0
EQUINIX INC COM 29444U700 6,236 7,770 SH   SOLE   7,770 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 6,426 168,872 SH   SOLE   168,872 0 0
EXXON MOBIL CORP COM 30231G102 402 6,368 SH   SOLE   6,368 0 0
FACEBOOK INC CL A 30303M102 15,178 43,652 SH   SOLE   43,652 0 0
FIRST SOLAR INC COM 336433107 3,240 35,800 SH   SOLE   35,800 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,221 10,884 SH   SOLE   10,884 0 0
GENERAL ELECTRIC CO COM 369604103 560 41,641 SH   SOLE   41,641 0 0
GENERAL MTRS CO COM 37045V100 4,463 75,419 SH   SOLE   75,419 0 0
HONEYWELL INTL INC COM 438516106 1,093 4,982 SH   SOLE   4,982 0 0
IDEX CORP COM 45167R104 766 3,480 SH   SOLE   3,480 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,570 44,816 SH   SOLE   44,816 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,628 18,230 SH   SOLE   18,230 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 1,087 32,759 SH   SOLE   32,759 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 10,262 68,080 SH   SOLE   68,080 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 289 815 SH   SOLE   815 0 0
INVITAE CORP COM 46185L103 3,290 97,530 SH   SOLE   97,530 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,881 33,653 SH   SOLE   33,653 0 0
ISHARES TR GLOBAL 100 ETF 464287572 3,634 51,195 SH   SOLE   51,195 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,567 65,265 SH   SOLE   65,265 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,749 7,627 SH   SOLE   7,627 0 0
ISHARES TR SELECT DIVID ETF 464287168 674 5,780 SH   SOLE   5,780 0 0
ISHARES TR SHORT TREAS BD 464288679 530 4,800 SH   SOLE   4,800 0 0
ISHARES TR TIPS BD ETF 464287176 1,191 9,303 SH   SOLE   9,303 0 0
JOHNSON & JOHNSON COM 478160104 7,084 43,003 SH   SOLE   43,003 0 0
JPMORGAN CHASE & CO COM 46625H100 9,822 63,146 SH   SOLE   63,146 0 0
KEYCORP COM 493267108 312 15,126 SH   SOLE   15,126 0 0
KINDER MORGAN INC DEL COM 49456B101 780 42,770 SH   SOLE   42,770 0 0
LOWES COS INC COM 548661107 16,986 87,570 SH   SOLE   87,570 0 0
MARVELL TECHNOLOGY INC COM 573874104 5,634 96,585 SH   SOLE   96,585 0 0
MASTERCARD INCORPORATED CL A 57636Q104 11,496 31,489 SH   SOLE   31,489 0 0
MCDONALDS CORP COM 580135101 791 3,424 SH   SOLE   3,424 0 0
METLIFE INC COM 59156R108 825 13,778 SH   SOLE   13,778 0 0
MICROSOFT CORP COM 594918104 30,169 111,367 SH   SOLE   111,367 0 0
NBT BANCORP INC COM 628778102 261 7,260 SH   SOLE   7,260 0 0
NETFLIX INC COM 64110L106 769 1,455 SH   SOLE   1,455 0 0
NIKE INC CL B 654106103 11,787 76,298 SH   SOLE   76,298 0 0
NIO INC SPON ADS 62914V106 1,647 30,965 SH   SOLE   30,965 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 3,173 107,895 SH   SOLE   107,895 0 0
NVIDIA CORPORATION COM 67066G104 5,274 6,591 SH   SOLE   6,591 0 0
PAYPAL HLDGS INC COM 70450Y103 3,579 12,277 SH   SOLE   12,277 0 0
PENN NATL GAMING INC COM 707569109 868 11,347 SH   SOLE   11,347 0 0
PEPSICO INC COM 713448108 384 2,589 SH   SOLE   2,589 0 0
PFIZER INC COM 717081103 331 8,464 SH   SOLE   8,464 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 573 5,618 SH   SOLE   5,618 0 0
PIONEER BANCORP INC MD COM 723561106 234 19,500 SH   SOLE   19,500 0 0
PLUG POWER INC COM NEW 72919P202 297 8,677 SH   SOLE   8,677 0 0
PROCTER AND GAMBLE CO COM 742718109 327 2,423 SH   SOLE   2,423 0 0
QUALCOMM INC COM 747525103 7,465 52,231 SH   SOLE   52,231 0 0
REGENERON PHARMACEUTICALS COM 75886F107 4,308 7,713 SH   SOLE   7,713 0 0
SCHWAB CHARLES CORP COM 808513105 205 2,813 SH   SOLE   2,813 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,596 78,960 SH   SOLE   78,960 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 577 14,624 SH   SOLE   14,624 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 879 15,463 SH   SOLE   15,463 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,095 77,636 SH   SOLE   77,636 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,923 51,881 SH   SOLE   51,881 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 999 6,845 SH   SOLE   6,845 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,594 37,936 SH   SOLE   37,936 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 629 6,046 SH   SOLE   6,046 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,701 21,733 SH   SOLE   21,733 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,219 51,496 SH   SOLE   51,496 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,210 41,020 SH   SOLE   41,020 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,147 31,265 SH   SOLE   31,265 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 436 2,442 SH   SOLE   2,442 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 683 5,421 SH   SOLE   5,421 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 704 6,872 SH   SOLE   6,872 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,260 27,460 SH   SOLE   27,460 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,998 13,531 SH   SOLE   13,531 0 0
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 2,067 67,457 SH   SOLE   67,457 0 0
SOUTHERN CO COM 842587107 246 4,071 SH   SOLE   4,071 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 754 2,185 SH   SOLE   2,185 0 0
SPDR GOLD TR GOLD SHS 78463V107 363 2,192 SH   SOLE   2,192 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,734 6,388 SH   SOLE   6,388 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 555 1,130 SH   SOLE   1,130 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 788 25,719 SH   SOLE   25,719 0 0
SPDR SER TR S&P DIVID ETF 78464A763 242 1,983 SH   SOLE   1,983 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 1,104 15,080 SH   SOLE   15,080 0 0
STARBUCKS CORP COM 855244109 12,182 108,955 SH   SOLE   108,955 0 0
TARGET CORP COM 87612E106 7,061 29,211 SH   SOLE   29,211 0 0
TESLA INC COM 88160R101 789 1,161 SH   SOLE   1,161 0 0
TJX COS INC NEW COM 872540109 1,464 21,715 SH   SOLE   21,715 0 0
TRIMBLE INC COM 896239100 3,062 37,415 SH   SOLE   37,415 0 0
UNITEDHEALTH GROUP INC COM 91324P102 400 1,000 SH   SOLE   1,000 0 0
VANECK MERK GOLD TR GOLD TRUST 921078101 202 11,750 SH   SOLE   11,750 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,207 24,530 SH   SOLE   24,530 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,371 64,933 SH   SOLE   64,933 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,823 32,868 SH   SOLE   32,868 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,098 71,777 SH   SOLE   71,777 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 201 902 SH   SOLE   902 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 251 4,295 SH   SOLE   4,295 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,202 32,480 SH   SOLE   32,480 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,602 132,558 SH   SOLE   132,558 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,704 48,258 SH   SOLE   48,258 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 4,323 21,442 SH   SOLE   21,442 0 0
VISA INC COM CL A 92826C839 10,423 44,576 SH   SOLE   44,576 0 0
WELLS FARGO CO NEW COM 949746101 223 8,541 SH   SOLE   8,541 0 0