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
Abbott Laboratories Common Stock 002824100 1,978 59,603 SH   SOLE   0 59,603 0
Abbvie Inc Common Stock 00287y109 2,351 52,566 SH   SOLE   0 52,566 0
Allstate Corp Common Stock 020002101 205 4,059 SH   SOLE   0 4,059 0
American Express Co Common Stock 025816109 4,577 60,611 SH   SOLE   0 60,611 0
Baxter Intl Inc Common Stock 071813109 3,260 49,623 SH   SOLE   0 49,623 0
Check Point Software Tech Ltd Common Stock m22465104 4,326 76,490 SH   SOLE   0 76,490 0
Church & Dwight Inc Common Stock 171340102 5,924 98,646 SH   SOLE   0 98,646 0
Cisco Systems Inc Common Stock 17275r102 219 9,350 SH   SOLE   0 9,350 0
Colgate Palmolive Co Common Stock 194162103 6,228 105,020 SH   SOLE   0 105,020 0
ConocoPhillips Common Stock 20825c104 3,003 43,206 SH   SOLE   0 43,206 0
DirecTV Common Stock 25490a309 3,753 62,775 SH   SOLE   0 62,775 0
Disney Walt Co Disney Common Stock 254687106 6,242 96,796 SH   SOLE   0 96,796 0
Ensco PLC Class A Common Stock g3157s106 2,052 38,182 SH   SOLE   0 38,182 0
Exxon Mobil Corp Common Stock 30231g102 2,941 34,180 SH   SOLE   0 34,180 0
Fifth Third Bancorp Common Stock 316773100 4,237 234,737 SH   SOLE   0 234,737 0
First Republic Bank San Fran C Common Stock 33616c100 3,428 73,505 SH   SOLE   0 73,505 0
Franklin Resources Inc Common Stock 354613101 4,216 83,399 SH   SOLE   0 83,399 0
General Electric Co Common Stock 369604103 3,560 149,014 SH   SOLE   0 149,014 0
Hasbro Inc Common Stock 418056107 3,381 71,713 SH   SOLE   0 71,713 0
Intel Corp Common Stock 458140100 267 11,665 SH   SOLE   0 11,665 0
International Business Machine Common Stock 459200101 4,679 25,269 SH   SOLE   0 25,269 0
Johnson & Johnson Common Stock 478160104 301 3,475 SH   SOLE   0 3,475 0
Johnson Controls Inc Common Stock 478366107 2,905 70,005 SH   SOLE   0 70,005 0
JPMorgan Chase & Co Common Stock 46625h100 5,136 99,354 SH   SOLE   0 99,354 0
M & T Bank Corp Common Stock 55261f104 219 1,958 SH   SOLE   0 1,958 0
McDonalds Corp Common Stock 580135101 278 2,891 SH   SOLE   0 2,891 0
Merck & Co Inc Common Stock 58933y105 2,786 58,509 SH   SOLE   0 58,509 0
Microsoft Corp Common Stock 594918104 217 6,531 SH   SOLE   0 6,531 0
Mylan Inc Common Stock 628530107 4,072 106,680 SH   SOLE   0 106,680 0
Oracle Corp Common Stock 68389x105 4,713 142,084 SH   SOLE   0 142,084 0
Pfizer Inc Common Stock 717081103 3,119 108,574 SH   SOLE   0 108,574 0
Procter & Gamble Co Common Stock 742718109 294 3,896 SH   SOLE   0 3,896 0
Target Corp Common Stock 87612e106 206 3,215 SH   SOLE   0 3,215 0
Texas Instruments Inc Common Stock 882508104 4,856 120,523 SH   SOLE   0 120,523 0
Travelers Companies Inc Common Stock 89417e109 3,146 37,116 SH   SOLE   0 37,116 0
Trustco Bank Corp NY Common Stock 898349105 372 62,583 SH   SOLE   0 62,583 0
Union Pacific Corp Common Stock 907818108 4,485 28,872 SH   SOLE   0 28,872 0
United Technologies Corp Common Stock 913017109 3,857 35,774 SH   SOLE   0 35,774 0
Verizon Communications Inc Common Stock 92343v104 2,339 50,122 SH   SOLE   0 50,122 0
Walgreen Co Common Stock 931422109 347 6,455 SH   SOLE   0 6,455 0
Yum Brands Inc Common Stock 988498101 230 3,226 SH   SOLE   0 3,226 0
Anheuser-Busch InBev SA NV Sp Common Stock 03524a108 3,259 32,855 SH   SOLE   0 32,855 0
BT Group PLC ADR Common Stock 05577e101 200 3,621 SH   SOLE   0 3,621 0
Diageo PLC Sp ADR Common Stock 25243q205 203 1,600 SH   SOLE   0 1,600 0
Unilever NV NY Common Stock 904784709 291 7,719 SH   SOLE   0 7,719 0
iShares Tr MSCI ACWI Ex Exchange Traded Fund 464288240 9,416 210,074 SH   SOLE   0 210,074 0
iShares Tr Russell 3000 Exchange Traded Fund 464287689 659 6,518 SH   SOLE   0 6,518 0
iShares Tr S&P 500 Growth Exchange Traded Fund 464287309 2,550 28,537 SH   SOLE   0 28,537 0
iShares Tr S&P 500 Value Exchange Traded Fund 464287408 1,315 16,793 SH   SOLE   0 16,793 0
iShares Tr S&P Mid Cap 400 Gro Exchange Traded Fund 464287606 250 1,795 SH   SOLE   0 1,795 0
iShares Tr S&P Small Cap 600 Exchange Traded Fund 464287804 7,066 70,797 SH   SOLE   0 70,797 0
Select Sector SPDR Healthcare Exchange Traded Fund 81369y209 1,687 33,345 SH   SOLE   0 33,345 0
Select Sector SPDR Tr SBI Cons Exchange Traded Fund 81369y407 2,249 37,090 SH   SOLE   0 37,090 0
Select Sector SPDR Tr SBI Cons Exchange Traded Fund 81369y308 1,325 33,300 SH   SOLE   0 33,300 0
Select Sector SPDR Tr SBI Ener Exchange Traded Fund 81369y506 1,401 16,895 SH   SOLE   0 16,895 0
Select Sector SPDR Tr SBI Fina Exchange Traded Fund 81369y605 2,948 148,110 SH   SOLE   0 148,110 0
Select Sector SPDR Tr SBI Indu Exchange Traded Fund 81369y704 1,382 29,790 SH   SOLE   0 29,790 0
Select Sector SPDR Tr SBI Mate Exchange Traded Fund 81369y100 2,985 71,049 SH   SOLE   0 71,049 0
Select Sector SPDR Tr SBI Tech Exchange Traded Fund 81369y803 1,621 50,595 SH   SOLE   0 50,595 0
Select Sector SPDR Tr SBI Util Exchange Traded Fund 81369y886 3,265 87,361 SH   SOLE   0 87,361 0
SPDR S&P 500 Index ETF Exchange Traded Fund 78462f103 10,072 59,949 SH   SOLE   0 59,949 0
SPDR S&P Mid Cap 400 ETF Tr Exchange Traded Fund 78467y107 13,795 60,949 SH   SOLE   0 60,949 0
SPDR Series Trust S&P Div ETF Exchange Traded Fund 78464a763 365 5,293 SH   SOLE   0 5,293 0
Vanguard Index Funds Stock Mkt Exchange Traded Fund 922908769 4,828 55,080 SH   SOLE   0 55,080 0
Vanguard Intl Equity Index Fun Exchange Traded Fund 922042775 716 14,723 SH   SOLE   0 14,723 0
Vanguard Mid Cap 400 Index Exchange Traded Fund 921932885 765 9,128 SH   SOLE   0 9,128 0
Vanguard S&P 500 ETF Sh Exchange Traded Fund 922908413 7,992 103,794 SH   SOLE   0 103,794 0
Vanguard Small Cap 600 Index Exchange Traded Fund 921932828 396 4,389 SH   SOLE   0 4,389 0
Vanguard World Fund Mega Growt Exchange Traded Fund 921910816 231 3,526 SH   SOLE   0 3,526 0
Vanguard World Fund Mega Value Exchange Traded Fund 921910840 406 8,075 SH   SOLE   0 8,075 0
iShares 2018 Inv Grade Bond Exchange Traded Fund 46432fag2 2,465 24,870 SH   SOLE   0 24,870 0
iShares Barclays CMBS Exchange Traded Fund 46429b366 7,527 145,923 SH   SOLE   0 145,923 0
iShares Tr Barclays 1-3 Years Exchange Traded Fund 464288646 3,009 28,580 SH   SOLE   0 28,580 0
iShares Tr Barclays 1-3 Yr Exchange Traded Fund 464287457 228 2,702 SH   SOLE   0 2,702 0
iShares Tr Barclays Interm Cre Exchange Traded Fund 464288638 5,377 49,817 SH   SOLE   0 49,817 0
iShares Tr Barclays Interm Gov Exchange Traded Fund 464288612 6,785 61,628 SH   SOLE   0 61,628 0
iShares Tr Barclays US Aggreg Exchange Traded Fund 464287226 1,812 16,900 SH   SOLE   0 16,900 0
Vanguard Bond Index Fund Inc S Exchange Traded Fund 921937827 1,653 20,565 SH   SOLE   0 20,565 0
Vanguard Bond Index Fund Inc T Exchange Traded Fund 921937835 8,932 110,433 SH   SOLE   0 110,433 0