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 cs 88579y101 209 1,270 SH   SOLE   0 1,270 0
Abbott Laboratories cs 002824100 2,916 64,762 SH   SOLE   0 64,762 0
Abbvie Inc cs 00287y109 3,391 51,825 SH   SOLE   0 51,825 0
Allstate Corp cs 020002101 333 4,738 SH   SOLE   0 4,738 0
American Electric Power Inc cs 025537101 233 3,846 SH   SOLE   0 3,846 0
American Express Co cs 025816109 5,677 61,014 SH   SOLE   0 61,014 0
Apple Inc cs 037833100 3,652 33,085 SH   SOLE   0 33,085 0
Baker Hughes Inc cs 057224107 3,237 57,730 SH   SOLE   0 57,730 0
Bank Montreal Que cs 063671101 278 3,931 SH   SOLE   0 3,931 0
Becton Dickinson & Co cs 075887109 215 1,544 SH   SOLE   0 1,544 0
Celgene Corp cs 151020104 2,544 22,746 SH   SOLE   0 22,746 0
Centurylink Inc cs 156700106 215 5,411 SH   SOLE   0 5,411 0
Check Point Software Tech Ltd cs m22465104 6,366 81,029 SH   SOLE   0 81,029 0
Church & Dwight Inc cs 171340102 5,860 74,361 SH   SOLE   0 74,361 0
Cisco Systems Inc cs 17275r102 315 11,321 SH   SOLE   0 11,321 0
Coca-Cola Co cs 191216100 229 5,426 SH   SOLE   0 5,426 0
Colgate Palmolive Co cs 194162103 5,640 81,516 SH   SOLE   0 81,516 0
ConocoPhillips cs 20825c104 3,308 47,897 SH   SOLE   0 47,897 0
DirecTV cs 25490a309 5,805 66,960 SH   SOLE   0 66,960 0
Disney Walt Co Disney cs 254687106 9,349 99,258 SH   SOLE   0 99,258 0
DTE Energy Co cs 233331107 24 2,590 SH   SOLE   0 2,590 0
Exxon Mobil Corp cs 30231g102 3,303 35,727 SH   SOLE   0 35,727 0
Fifth Third Bancorp cs 316773100 4,915 241,249 SH   SOLE   0 241,249 0
First Republic Bank San Fran C cs 33616c100 4,191 80,406 SH   SOLE   0 80,406 0
Fiserv Inc cs 337738108 3,199 45,069 SH   SOLE   0 45,069 0
Franklin Resources Inc cs 354613101 4,638 83,755 SH   SOLE   0 83,755 0
General Electric Co cs 369604103 4,224 167,144 SH   SOLE   0 167,144 0
Gilead Sciences Inc cs 375558103 1,998 21,192 SH   SOLE   0 21,192 0
Hasbro Inc cs 418056107 3,889 70,723 SH   SOLE   0 70,723 0
Intel Corp cs 458140100 479 13,185 SH   SOLE   0 13,185 0
International Business Machine cs 459200101 4,022 25,071 SH   SOLE   0 25,071 0
Johnson & Johnson cs 478160104 936 8,955 SH   SOLE   0 8,955 0
JPMorgan Chase & Co cs 46625h100 499 7,963 SH   SOLE   0 7,963 0
Lowes Cos Inc cs 548661107 4,284 62,270 SH   SOLE   0 62,270 0
M & T Bank Corp cs 55261f104 302 2,406 SH   SOLE   0 2,406 0
McDonalds Corp cs 580135101 280 2,979 SH   SOLE   0 2,979 0
McKesson Corp cs 58155q103 2,278 10,975 SH   SOLE   0 10,975 0
Merck & Co Inc cs 58933y105 3,566 62,691 SH   SOLE   0 62,691 0
Microsoft Corp cs 594918104 433 9,326 SH   SOLE   0 9,326 0
Mylan Inc cs 628530107 5,950 105,559 SH   SOLE   0 105,559 0
Northrop Grumman Corp cs 666807102 270 1,830 SH   SOLE   0 1,830 0
NVIDIA Corp cs 67066g104 2,888 144,032 SH   SOLE   0 144,032 0
Pfizer Inc cs 717081103 1,084 34,801 SH   SOLE   0 34,801 0
Procter & Gamble Co cs 742718109 371 4,023 SH   SOLE   0 4,023 0
Target Corp cs 87612e106 348 4,594 SH   SOLE   0 4,594 0
Texas Instruments Inc cs 882508104 3,760 126,453 SH   SOLE   0 126,453 0
Travelers Companies Inc cs 89417e109 4,077 38,513 SH   SOLE   0 38,513 0
Trustco Bank Corp NY cs 898349105 462 63,579 SH   SOLE   0 63,579 0
Union Pacific Corp cs 907818108 7,103 59,627 SH   SOLE   0 59,627 0
United Technologies Corp cs 913017109 4,831 41,213 SH   SOLE   0 41,213 0
Valero Energy Corp cs 91913y100 3,464 69,980 SH   SOLE   0 69,980 0
Verizon Communications Inc cs 92343v104 2,602 55,621 SH   SOLE   0 55,621 0
Walgreens Boots Alliance Inc cs 931427108 559 7,333 SH   SOLE   0 7,333 0
Yum Brands Inc cs 988498101 296 4,055 SH   SOLE   0 4,055 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,791 33,749 SH   SOLE   0 33,749 0
British American Tobacco PLC S ad 110448107 241 2,241 SH   SOLE   0 2,241 0
Novartis AG Sp ADR ad 66987v109 285 3,068 SH   SOLE   0 3,068 0
Unilever NV NY ad 904784709 302 7,748 SH   SOLE   0 7,748 0
iShares Tr MSCI ACWI Ex ui 464288240 10,218 237,508 SH   SOLE   0 237,508 0
iShares Tr Russell 3000 ui 464287689 901 7,370 SH   SOLE   0 7,370 0
iShares Tr S&P 500 Growth ui 464287309 5,840 52,333 SH   SOLE   0 52,333 0
iShares Tr S&P 500 Value ui 464287408 3,721 39,679 SH   SOLE   0 39,679 0
iShares Tr S&P Mid Cap 400 Gro ui 464287606 352 2,205 SH   SOLE   0 2,205 0
iShares Tr S&P Mid Cap Value ui 464287705 539 4,214 SH   SOLE   0 4,214 0
iShares Tr S&P Small Cap 600 ui 464287804 8,376 73,431 SH   SOLE   0 73,431 0
iShares Tr S&P Small Cap Value ui 464287879 272 2,307 SH   SOLE   0 2,307 0
Select Sector SPDR Healthcare ui 81369y209 2,572 37,615 SH   SOLE   0 37,615 0
Select Sector SPDR Tr SBI Cons ui 81369y407 2,238 31,020 SH   SOLE   0 31,020 0
Select Sector SPDR Tr SBI Cons ui 81369y308 1,795 37,015 SH   SOLE   0 37,015 0
Select Sector SPDR Tr SBI Ener ui 81369y506 1,372 17,335 SH   SOLE   0 17,335 0
Select Sector SPDR Tr SBI Fina ui 81369y605 3,024 122,285 SH   SOLE   0 122,285 0
Select Sector SPDR Tr SBI Indu ui 81369y704 1,915 33,845 SH   SOLE   0 33,845 0
Select Sector SPDR Tr SBI Mate ui 81369y100 5,769 118,754 SH   SOLE   0 118,754 0
Select Sector SPDR Tr SBI Tech ui 81369y803 4,038 97,652 SH   SOLE   0 97,652 0
Select Sector SPDR Tr SBI Util ui 81369y886 4,589 97,175 SH   SOLE   0 97,175 0
SPDR S&P 500 Index ETF ui 78462f103 12,171 59,215 SH   SOLE   0 59,215 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 17,022 64,486 SH   SOLE   0 64,486 0
Vanguard Index Funds Stock Mkt ui 922908769 7,147 67,423 SH   SOLE   0 67,423 0
iShares 2018 Inv Grade Bond uh 46432fag2 2,291 23,175 SH   SOLE   0 23,175 0
iShares Tr Barclays 1-3 Years uh 464288646 3,878 36,867 SH   SOLE   0 36,867 0
iShares Tr Barclays 1-3 Yr uh 464287457 213 2,522 SH   SOLE   0 2,522 0
iShares Tr Barclays Interm Cre uh 464288638 4,023 36,795 SH   SOLE   0 36,795 0
iShares Tr Barclays Interm Gov uh 464288612 5,835 52,733 SH   SOLE   0 52,733 0
iShares Tr Barclays US Aggreg uh 464287226 851 7,726 SH   SOLE   0 7,726 0
ISHARES TR CMBS ETF uh 46429b366 6,815 133,123 SH   SOLE   0 133,123 0
Vanguard Bond Index Fund Inc S uh 921937827 2,700 33,767 SH   SOLE   0 33,767 0
Vanguard Bond Index Fund Inc T uh 921937835 375 4,550 SH   SOLE   0 4,550 0
Vanguard Index Funds Total Sto uh 922908728 15,010 290,884 SH   SOLE   0 290,884 0
Vanguard Tl Int Stock Index uh 921909818 771 29,636 SH   SOLE   0 29,636 0