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 2,376 61,690 SH   SOLE   0 61,690 0
Abbvie Inc Common Stock 00287y109 2,632 51,210 SH   SOLE   0 51,210 0
Allstate Corp Common Stock 020002101 290 5,124 SH   SOLE   0 5,124 0
American Electric Power Inc Common Stock 025537101 204 4,035 SH   SOLE   0 4,035 0
American Express Co Common Stock 025816109 5,381 59,766 SH   SOLE   0 59,766 0
Bank Montreal Que Common Stock 063671101 260 3,883 SH   SOLE   0 3,883 0
Baxter Intl Inc Common Stock 071813109 3,635 49,405 SH   SOLE   0 49,405 0
Check Point Software Tech Ltd Common Stock m22465104 5,265 77,855 SH   SOLE   0 77,855 0
Church & Dwight Inc Common Stock 171340102 6,707 97,099 SH   SOLE   0 97,099 0
Cisco Systems Inc Common Stock 17275r102 275 12,263 SH   SOLE   0 12,263 0
Colgate Palmolive Co Common Stock 194162103 6,749 104,040 SH   SOLE   0 104,040 0
ConocoPhillips Common Stock 20825c104 3,069 43,622 SH   SOLE   0 43,622 0
DirecTV Common Stock 25490a309 4,884 63,910 SH   SOLE   0 63,910 0
Disney Walt Co Disney Common Stock 254687106 7,779 97,147 SH   SOLE   0 97,147 0
DTE Energy Co Common Stock 233331107 206 2,777 SH   SOLE   0 2,777 0
Exxon Mobil Corp Common Stock 30231g102 3,362 34,421 SH   SOLE   0 34,421 0
Fifth Third Bancorp Common Stock 316773100 5,298 230,821 SH   SOLE   0 230,821 0
First Republic Bank San Fran C Common Stock 33616c100 3,960 73,350 SH   SOLE   0 73,350 0
Franklin Resources Inc Common Stock 354613101 4,433 81,821 SH   SOLE   0 81,821 0
General Electric Co Common Stock 369604103 3,965 153,151 SH   SOLE   0 153,151 0
Halliburton Co Common Stock 406216101 2,387 40,529 SH   SOLE   0 40,529 0
Hasbro Inc Common Stock 418056107 3,883 69,813 SH   SOLE   0 69,813 0
Intel Corp Common Stock 458140100 353 13,686 SH   SOLE   0 13,686 0
International Business Machine Common Stock 459200101 4,761 24,735 SH   SOLE   0 24,735 0
Johnson & Johnson Common Stock 478160104 635 6,467 SH   SOLE   0 6,467 0
Johnson Controls Inc Common Stock 478366107 3,464 73,195 SH   SOLE   0 73,195 0
JPMorgan Chase & Co Common Stock 46625h100 6,071 99,993 SH   SOLE   0 99,993 0
M & T Bank Corp Common Stock 55261f104 311 2,568 SH   SOLE   0 2,568 0
McDonalds Corp Common Stock 580135101 355 3,621 SH   SOLE   0 3,621 0
Merck & Co Inc Common Stock 58933y105 3,396 59,827 SH   SOLE   0 59,827 0
Microsoft Corp Common Stock 594918104 415 10,115 SH   SOLE   0 10,115 0
Mylan Inc Common Stock 628530107 5,083 104,095 SH   SOLE   0 104,095 0
Northrop Grumman Corp Common Stock 666807102 244 1,980 SH   SOLE   0 1,980 0
Oracle Corp Common Stock 68389x105 5,705 139,442 SH   SOLE   0 139,442 0
Pfizer Inc Common Stock 717081103 3,829 119,207 SH   SOLE   0 119,207 0
Procter & Gamble Co Common Stock 742718109 343 4,262 SH   SOLE   0 4,262 0
Target Corp Common Stock 87612e106 267 4,405 SH   SOLE   0 4,405 0
Texas Instruments Inc Common Stock 882508104 5,690 120,647 SH   SOLE   0 120,647 0
Travelers Companies Inc Common Stock 89417e109 3,142 36,922 SH   SOLE   0 36,922 0
Trustco Bank Corp NY Common Stock 898349105 441 62,583 SH   SOLE   0 62,583 0
Union Pacific Corp Common Stock 907818108 5,416 28,861 SH   SOLE   0 28,861 0
United Technologies Corp Common Stock 913017109 4,390 37,575 SH   SOLE   0 37,575 0
Verizon Communications Inc Common Stock 92343v104 2,464 51,808 SH   SOLE   0 51,808 0
Walgreen Co Common Stock 931422109 474 7,173 SH   SOLE   0 7,173 0
Yum Brands Inc Common Stock 988498101 316 4,196 SH   SOLE   0 4,196 0
Anheuser-Busch InBev SA NV Sp ADR 03524a108 3,423 32,508 SH   SOLE   0 32,508 0
British American Tobacco PLC S ADR 110448107 252 2,264 SH   SOLE   0 2,264 0
BT Group PLC ADR ADR 05577e101 286 4,485 SH   SOLE   0 4,485 0
Diageo PLC Sp ADR ADR 25243q205 250 2,007 SH   SOLE   0 2,007 0
Novartis AG Sp ADR ADR 66987v109 272 3,197 SH   SOLE   0 3,197 0
Total SA Sp ADR ADR 89151e109 219 3,337 SH   SOLE   0 3,337 0
Unilever NV NY ADR 904784709 392 9,529 SH   SOLE   0 9,529 0
iShares Tr MSCI ACWI Ex Exchange Traded Fund 464288240 9,990 214,509 SH   SOLE   0 214,509 0
iShares Tr Russell 3000 Exchange Traded Fund 464287689 776 6,909 SH   SOLE   0 6,909 0
iShares Tr S&P 500 Growth Exchange Traded Fund 464287309 3,093 30,981 SH   SOLE   0 30,981 0
iShares Tr S&P 500 Value Exchange Traded Fund 464287408 1,601 18,418 SH   SOLE   0 18,418 0
iShares Tr S&P Mid Cap 400 Gro Exchange Traded Fund 464287606 293 1,915 SH   SOLE   0 1,915 0
iShares Tr S&P Small Cap 600 Exchange Traded Fund 464287804 7,859 71,356 SH   SOLE   0 71,356 0
Select Sector SPDR Healthcare Exchange Traded Fund 81369y209 2,965 50,700 SH   SOLE   0 50,700 0
Select Sector SPDR Tr SBI Cons Exchange Traded Fund 81369y407 2,683 41,460 SH   SOLE   0 41,460 0
Select Sector SPDR Tr SBI Cons Exchange Traded Fund 81369y308 964 22,395 SH   SOLE   0 22,395 0
Select Sector SPDR Tr SBI Ener Exchange Traded Fund 81369y506 998 11,210 SH   SOLE   0 11,210 0
Select Sector SPDR Tr SBI Fina Exchange Traded Fund 81369y605 3,647 163,235 SH   SOLE   0 163,235 0
Select Sector SPDR Tr SBI Indu Exchange Traded Fund 81369y704 2,408 46,025 SH   SOLE   0 46,025 0
Select Sector SPDR Tr SBI Mate Exchange Traded Fund 81369y100 6,754 142,853 SH   SOLE   0 142,853 0
Select Sector SPDR Tr SBI Tech Exchange Traded Fund 81369y803 2,011 55,310 SH   SOLE   0 55,310 0
Select Sector SPDR Tr SBI Util Exchange Traded Fund 81369y886 3,649 88,019 SH   SOLE   0 88,019 0
SPDR S&P 500 Index ETF Exchange Traded Fund 78462f103 10,338 55,280 SH   SOLE   0 55,280 0
SPDR S&P Mid Cap 400 ETF Tr Exchange Traded Fund 78467y107 15,368 61,331 SH   SOLE   0 61,331 0
SPDR Series Trust S&P Div ETF Exchange Traded Fund 78464a763 413 5,608 SH   SOLE   0 5,608 0
Vanguard Index Funds Stock Mkt Exchange Traded Fund 922908769 6,318 64,818 SH   SOLE   0 64,818 0
Vanguard World Fund Mega Value Exchange Traded Fund 921910840 222 3,953 SH   SOLE   0 3,953 0
iShares 2018 Inv Grade Bond Exchange Traded Fund 46432fag2 2,342 23,720 SH   SOLE   0 23,720 0
iShares Barclays CMBS Exchange Traded Fund 46429b366 7,230 141,423 SH   SOLE   0 141,423 0
iShares Sht Mat Bond ETF Exchange Traded Fund 46431w507 372 7,410 SH   SOLE   0 7,410 0
iShares Tr Barclays 1-3 Years Exchange Traded Fund 464288646 3,947 37,415 SH   SOLE   0 37,415 0
iShares Tr Barclays 1-3 Yr Exchange Traded Fund 464287457 224 2,652 SH   SOLE   0 2,652 0
iShares Tr Barclays Interm Cre Exchange Traded Fund 464288638 4,739 43,450 SH   SOLE   0 43,450 0
iShares Tr Barclays Interm Gov Exchange Traded Fund 464288612 6,099 55,438 SH   SOLE   0 55,438 0
iShares Tr Barclays US Aggreg Exchange Traded Fund 464287226 911 8,445 SH   SOLE   0 8,445 0
Vanguard Bond Index Fund Inc S Exchange Traded Fund 921937827 2,689 33,575 SH   SOLE   0 33,575 0
Vanguard Bond Index Fund Inc T Exchange Traded Fund 921937835 319 3,928 SH   SOLE   0 3,928 0
Vanguard Index Funds Total Sto Exchange Traded Fund 922908488 13,602 297,188 SH   SOLE   0 297,188 0
Vanguard Total Intl Stock Sign Exchange Traded Fund 921909792 811 24,111 SH   SOLE   0 24,111 0