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
Expires: July 31, 2015
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 1,061,106 8,848 SH SOLE 0 0 8,848
ABBOTT LABS COM 002824100 306,942 2,795 SH SOLE 0 0 2,795
ABBVIE INC COM 00287Y109 330,480 2,044 SH SOLE 0 0 2,044
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 176,534 10,105 SH SOLE 0 0 10,105
AIR PRODS & CHEMS INC COM 009158106 612,004 1,985 SH SOLE 0 0 1,985
ALLSTATE CORP COM 020002101 213,163 1,572 SH SOLE 0 0 1,572
ALPHABET INC CAP STK CL A 02079K305 575,171 6,519 SH SOLE 0 0 6,519
ALPHABET INC CAP STK CL C 02079K107 314,370 3,543 SH SOLE 0 0 3,543
ALPS ETF TR CLEAN ENERGY 00162Q460 212,064 4,661 SH SOLE 0 0 4,661
ALPS ETF TR SECTR DIV DOGS 00162Q858 292,634 5,688 SH SOLE 0 0 5,688
AMAZON COM INC COM 023135106 845,460 10,065 SH SOLE 0 0 10,065
AMERICAN EXPRESS CO COM 025816109 223,989 1,516 SH SOLE 0 0 1,516
AMGEN INC COM 031162100 2,071,611 7,887 SH SOLE 0 0 7,887
AON PLC SHS CL A G0403H108 319,306 1,063 SH SOLE 0 0 1,063
APPLE INC COM 037833100 4,384,460 33,744 SH SOLE 0 0 33,744
ARK ETF TR FINTECH INNOVA 00214Q708 166,631 11,677 SH SOLE 0 0 11,677
ASTRAZENECA PLC SPONSORED ADR 046353108 249,248 3,676 SH SOLE 0 0 3,676
AT&T INC COM 00206R102 779,827 42,358 SH SOLE 0 0 42,358
BANK AMERICA CORP COM 060505104 488,006 14,734 SH SOLE 0 0 14,734
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,168,169 7,019 SH SOLE 0 0 7,019
BLACKSTONE INC COM 09260D107 1,614,925 21,767 SH SOLE 0 0 21,767
BOEING CO COM 097023105 258,638 1,357 SH SOLE 0 0 1,357
BRISTOL-MYERS SQUIBB CO COM 110122108 425,787 5,917 SH SOLE 0 0 5,917
CATERPILLAR INC COM 149123101 2,408,207 10,052 SH SOLE 0 0 10,052
CHEVRON CORP NEW COM 166764100 3,605,840 20,089 SH SOLE 0 0 20,089
CIGNA CORP NEW COM 125523100 243,410 734 SH SOLE 0 0 734
CISCO SYS INC COM 17275R102 1,262,350 26,497 SH SOLE 0 0 26,497
CITIZENS & NORTHN CORP COM 172922106 825,659 36,118 SH SOLE 0 0 36,118
CITIZENS FINANCIAL SERVS INC COM 174615104 3,128,207 40,774 SH SOLE 0 0 40,774
CLEVELAND-CLIFFS INC NEW COM 185899101 236,842 14,701 SH SOLE 0 0 14,701
COCA COLA CO COM 191216100 1,876,711 29,503 SH SOLE 0 0 29,503
COLGATE PALMOLIVE CO COM 194162103 252,374 3,203 SH SOLE 0 0 3,203
CONOCOPHILLIPS COM 20825C104 266,602 2,259 SH SOLE 0 0 2,259
DISNEY WALT CO COM 254687106 260,182 2,994 SH SOLE 0 0 2,994
DNP SELECT INCOME FD INC COM 23325P104 312,075 27,740 SH SOLE 0 0 27,740
DOCUSIGN INC COM 256163106 234,648 4,234 SH SOLE 0 0 4,234
DOMINION ENERGY INC COM 25746U109 406,667 6,631 SH SOLE 0 0 6,631
DOW INC COM 260557103 1,532,292 30,408 SH SOLE 0 0 30,408
DUKE ENERGY CORP NEW COM NEW 26441C204 471,216 4,575 SH SOLE 0 0 4,575
EA SERIES TRUST GADSDN DYN MLT 02072L870 3,250,200 105,491 SH SOLE 0 0 105,491
ENTERGY CORP NEW COM 29364G103 441,616 3,925 SH SOLE 0 0 3,925
EVERGY INC COM 30034W106 350,961 5,577 SH SOLE 0 0 5,577
EXXON MOBIL CORP COM 30231G102 2,527,932 22,918 SH SOLE 0 0 22,918
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500 308,122 6,529 SH SOLE 0 0 6,529
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605 9,672,126 207,779 SH SOLE 0 0 207,779
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 226,068 5,147 SH SOLE 0 0 5,147
GENERAL ELECTRIC CO COM NEW 369604301 245,425 2,929 SH SOLE 0 0 2,929
GOLDMAN SACHS GROUP INC COM 38141G104 397,391 1,157 SH SOLE 0 0 1,157
HECLA MNG CO COM 422704106 450,360 81,000 SH SOLE 0 0 81,000
HERSHEY CO COM 427866108 603,868 2,607 SH SOLE 0 0 2,607
HOME DEPOT INC COM 437076102 761,351 2,410 SH SOLE 0 0 2,410
HONEYWELL INTL INC COM 438516106 536,288 2,502 SH SOLE 0 0 2,502
ILLINOIS TOOL WKS INC COM 452308109 281,038 1,275 SH SOLE 0 0 1,275
INTEL CORP COM 458140100 1,022,941 38,703 SH SOLE 0 0 38,703
INTERNATIONAL BUSINESS MACHS COM 459200101 2,060,468 14,624 SH SOLE 0 0 14,624
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 2,752,987 25,134 SH SOLE 0 0 25,134
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 413,218 8,005 SH SOLE 0 0 8,005
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 428,922 5,013 SH SOLE 0 0 5,013
INVESCO QQQ TR UNIT SER 1 46090E103 11,943,857 44,854 SH SOLE 0 0 44,854
ISHARES SILVER TR ISHARES 46428Q109 422,388 19,182 SH SOLE 0 0 19,182
ISHARES TR NATIONAL MUN ETF 464288414 2,878,575 27,279 SH SOLE 0 0 27,279
ISHARES TR IBOXX INV CP ETF 464287242 273,668 2,595 SH SOLE 0 0 2,595
ISHARES TR CORE S&P SCP ETF 464287804 24,013,095 253,730 SH SOLE 0 0 253,730
ISHARES TR 7-10 YR TRSY BD 464287440 1,139,977 11,902 SH SOLE 0 0 11,902
ISHARES TR MSCI EMG MKT ETF 464287234 408,815 10,786 SH SOLE 0 0 10,786
ISHARES TR CORE US AGGBD ET 464287226 5,998,835 61,850 SH SOLE 0 0 61,850
ISHARES TR ISHARES BIOTECH 464287556 1,125,942 8,575 SH SOLE 0 0 8,575
ISHARES TR CORE S&P500 ETF 464287200 26,658,360 69,384 SH SOLE 0 0 69,384
ISHARES TR 3 7 YR TREAS BD 464288661 273,258 2,378 SH SOLE 0 0 2,378
ISHARES TR MSCI USA ESG SLC 464288802 231,459 2,811 SH SOLE 0 0 2,811
ISHARES TR CORE S&P MCP ETF 464287507 25,024,255 103,453 SH SOLE 0 0 103,453
ISHARES TR CORE S&P TTL STK 464287150 3,320,351 39,155 SH SOLE 0 0 39,155
ISHARES TR 1 3 YR TREAS BD 464287457 1,581,107 19,478 SH SOLE 0 0 19,478
ISHARES TR US HLTHCR PR ETF 464288828 671,411 2,508 SH SOLE 0 0 2,508
ISHARES TR US AER DEF ETF 464288760 442,074 3,952 SH SOLE 0 0 3,952
ISHARES TR US HLTHCARE ETF 464287762 914,669 3,223 SH SOLE 0 0 3,223
JOHNSON & JOHNSON COM 478160104 1,460,456 8,267 SH SOLE 0 0 8,267
JPMORGAN CHASE & CO COM 46625H100 3,333,989 24,861 SH SOLE 0 0 24,861
LABORATORY CORP AMER HLDGS COM NEW 50540R409 270,481 1,148 SH SOLE 0 0 1,148
LILLY ELI & CO COM 532457108 434,284 1,187 SH SOLE 0 0 1,187
LOCKHEED MARTIN CORP COM 539830109 827,854 1,701 SH SOLE 0 0 1,701
M & T BK CORP COM 55261F104 1,814,554 12,508 SH SOLE 0 0 12,508
MASTERCARD INCORPORATED CL A 57636Q104 352,757 1,014 SH SOLE 0 0 1,014
MCDONALDS CORP COM 580135101 557,510 2,115 SH SOLE 0 0 2,115
MERCK & CO INC COM 58933Y105 3,746,154 33,764 SH SOLE 0 0 33,764
MICROSOFT CORP COM 594918104 3,093,717 12,900 SH SOLE 0 0 12,900
MORGAN STANLEY COM NEW 617446448 385,265 4,531 SH SOLE 0 0 4,531
NEXTERA ENERGY INC COM 65339F101 1,181,915 14,137 SH SOLE 0 0 14,137
NVIDIA CORPORATION COM 67066G104 426,995 2,921 SH SOLE 0 0 2,921
ORACLE CORP COM 68389X105 273,116 3,341 SH SOLE 0 0 3,341
PACER FDS TR US CASH COWS 100 69374H881 10,999,776 237,832 SH SOLE 0 0 237,832
PALO ALTO NETWORKS INC COM 697435105 208,473 1,494 SH SOLE 0 0 1,494
PENNS WOODS BANCORP INC COM 708430103 2,444,605 91,833 SH SOLE 0 0 91,833
PEPSICO INC COM 713448108 1,205,301 6,671 SH SOLE 0 0 6,671
PFIZER INC COM 717081103 2,620,061 51,133 SH SOLE 0 0 51,133
PHILIP MORRIS INTL INC COM 718172109 270,956 2,677 SH SOLE 0 0 2,677
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 791,637 8,024 SH SOLE 0 0 8,024
PIMCO MUN INCOME FD COM 72200R107 291,356 27,934 SH SOLE 0 0 27,934
PNC FINL SVCS GROUP INC COM 693475105 331,461 2,098 SH SOLE 0 0 2,098
PPL CORP COM 69351T106 1,117,919 38,258 SH SOLE 0 0 38,258
PROCTER AND GAMBLE CO COM 742718109 1,657,980 10,939 SH SOLE 0 0 10,939
PROGRESSIVE CORP COM 743315103 206,507 1,592 SH SOLE 0 0 1,592
PRUDENTIAL FINL INC COM 744320102 363,482 3,654 SH SOLE 0 0 3,654
RAYTHEON TECHNOLOGIES CORP COM 75513E101 589,036 5,836 SH SOLE 0 0 5,836
REALTY INCOME CORP COM 756109104 201,482 3,176 SH SOLE 0 0 3,176
ROCKWELL AUTOMATION INC COM 773903109 231,947 900 SH SOLE 0 0 900
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 272,711 6,040 SH SOLE 0 0 6,040
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 549,306 12,258 SH SOLE 0 0 12,258
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,081,599 159,936 SH SOLE 0 0 159,936
SCWORX CORP COM 78396V109 35,442 89,500 SH SOLE 0 0 89,500
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 341,895 2,747 SH SOLE 0 0 2,747
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 298,660 2,198 SH SOLE 0 0 2,198
SELECT SECTOR SPDR TR ENERGY 81369Y506 402,283 4,599 SH SOLE 0 0 4,599
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,186,466 34,691 SH SOLE 0 0 34,691
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 572,060 7,364 SH SOLE 0 0 7,364
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 242,553 2,469 SH SOLE 0 0 2,469
SHELL PLC SPON ADS 780259305 211,313 3,710 SH SOLE 0 0 3,710
SOFI TECHNOLOGIES INC COM 83406F102 179,380 38,911 SH SOLE 0 0 38,911
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 2,889,258 8,720 SH SOLE 0 0 8,720
SPDR GOLD TR GOLD SHS 78463V107 470,751 2,775 SH SOLE 0 0 2,775
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 621,079 10,892 SH SOLE 0 0 10,892
SPDR S&P 500 ETF TR TR UNIT 78462F103 266,458 696 SH SOLE 0 0 696
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 1,478,544 179,435 SH SOLE 0 0 179,435
TEXAS INSTRS INC COM 882508104 381,386 2,308 SH SOLE 0 0 2,308
THERMO FISHER SCIENTIFIC INC COM 883556102 268,180 486 SH SOLE 0 0 486
UNION PAC CORP COM 907818108 269,290 1,300 SH SOLE 0 0 1,300
UNITED PARCEL SERVICE INC CL B 911312106 223,371 1,284 SH SOLE 0 0 1,284
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,458,565 138,925 SH SOLE 0 0 138,925
VANGUARD INDEX FDS TOTAL STK MKT 922908769 693,085 3,625 SH SOLE 0 0 3,625
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 204,525 3,689 SH SOLE 0 0 3,689
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,611,376 503,113 SH SOLE 0 0 503,113
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 827,284 9,598 SH SOLE 0 0 9,598
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 587,428 11,869 SH SOLE 0 0 11,869
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,101,493 91,620 SH SOLE 0 0 91,620
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,198,326 266,817 SH SOLE 0 0 266,817
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 640,547 6,227 SH SOLE 0 0 6,227
VANGUARD WORLD FDS INF TECH ETF 92204A702 467,630 1,464 SH SOLE 0 0 1,464
VERIZON COMMUNICATIONS INC COM 92343V104 2,231,319 56,632 SH SOLE 0 0 56,632
VISA INC COM CL A 92826C839 371,602 1,788 SH SOLE 0 0 1,788
WALGREENS BOOTS ALLIANCE INC COM 931427108 987,335 26,427 SH SOLE 0 0 26,427
WALMART INC COM 931142103 567,341 4,001 SH SOLE 0 0 4,001
WASTE MGMT INC DEL COM 94106L109 368,852 2,351 SH SOLE 0 0 2,351
WEC ENERGY GROUP INC COM 92939U106 461,551 4,922 SH SOLE 0 0 4,922
WELLS FARGO CO NEW COM 949746101 378,825 9,174 SH SOLE 0 0 9,174