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 cs 002824100 3,074 62,623 SH   SOLE   0 62,623 0
Allergan PLC cs g0177j108 3,144 10,360 SH   SOLE   0 10,360 0
Allstate Corp cs 020002101 3,882 59,843 SH   SOLE   0 59,843 0
American Electric Power Inc cs 025537101 202 3,821 SH   SOLE   0 3,821 0
American Energy Production Inc cs 025637208 0 40,804 SH   SOLE   0 40,804 0
American Express Co cs 025816109 652 8,393 SH   SOLE   0 8,393 0
Ameriprise Financial Inc cs 03076c106 3,973 31,801 SH   SOLE   0 31,801 0
Apple Inc cs 037833100 7,189 57,318 SH   SOLE   0 57,318 0
Baker Hughes Inc cs 057224107 3,479 56,381 SH   SOLE   0 56,381 0
Bank Montreal Que cs 063671101 231 3,892 SH   SOLE   0 3,892 0
Biogen Inc cs 09062x103 3,736 9,250 SH   SOLE   0 9,250 0
Capital One Financial Corp cs 14040h105 2,107 23,955 SH   SOLE   0 23,955 0
Celgene Corp cs 151020104 2,597 22,436 SH   SOLE   0 22,436 0
Check Point Software Tech Ltd cs m22465104 6,309 79,309 SH   SOLE   0 79,309 0
Church & Dwight Inc cs 171340102 5,912 72,873 SH   SOLE   0 72,873 0
Cisco Systems Inc cs 17275r102 307 11,181 SH   SOLE   0 11,181 0
Coca-Cola Co cs 191216100 213 5,437 SH   SOLE   0 5,437 0
Colgate Palmolive Co cs 194162103 526 8,036 SH   SOLE   0 8,036 0
ConocoPhillips cs 20825c104 2,850 46,410 SH   SOLE   0 46,410 0
Danaher Corp cs 235851102 1,748 20,426 SH   SOLE   0 20,426 0
DirecTV cs 25490a309 6,087 65,605 SH   SOLE   0 65,605 0
Disney Walt Co Disney cs 254687106 11,101 97,256 SH   SOLE   0 97,256 0
Exxon Mobil Corp cs 30231g102 2,885 34,671 SH   SOLE   0 34,671 0
Fifth Third Bancorp cs 316773100 303 14,564 SH   SOLE   0 14,564 0
First Republic Bank San Fran C cs 33616c100 4,964 78,764 SH   SOLE   0 78,764 0
Fiserv Inc cs 337738108 5,646 68,159 SH   SOLE   0 68,159 0
General Electric Co cs 369604103 563 21,178 SH   SOLE   0 21,178 0
Gilead Sciences Inc cs 375558103 2,440 20,843 SH   SOLE   0 20,843 0
Intel Corp cs 458140100 399 13,115 SH   SOLE   0 13,115 0
International Business Machine cs 459200101 283 1,737 SH   SOLE   0 1,737 0
Johnson & Johnson cs 478160104 910 9,340 SH   SOLE   0 9,340 0
JPMorgan Chase & Co cs 46625h100 533 7,859 SH   SOLE   0 7,859 0
Lowes Cos Inc cs 548661107 4,088 61,038 SH   SOLE   0 61,038 0
M & T Bank Corp cs 55261f104 297 2,374 SH   SOLE   0 2,374 0
McDonalds Corp cs 580135101 279 2,934 SH   SOLE   0 2,934 0
McKesson Corp cs 58155q103 2,427 10,797 SH   SOLE   0 10,797 0
Merck & Co Inc cs 58933y105 360 6,328 SH   SOLE   0 6,328 0
Microsoft Corp cs 594918104 409 9,261 SH   SOLE   0 9,261 0
Mylan NV Euro cs n59465109 6,974 102,764 SH   SOLE   0 102,764 0
Northrop Grumman Corp cs 666807102 238 1,501 SH   SOLE   0 1,501 0
NVIDIA Corp cs 67066g104 4,548 226,160 SH   SOLE   0 226,160 0
Pfizer Inc cs 717081103 1,164 34,708 SH   SOLE   0 34,708 0
Procter & Gamble Co cs 742718109 313 4,001 SH   SOLE   0 4,001 0
Stericycle Inc cs 858912108 1,741 13,000 SH   SOLE   0 13,000 0
Target Corp cs 87612e106 4,346 53,242 SH   SOLE   0 53,242 0
Texas Instruments Inc cs 882508104 6,389 124,035 SH   SOLE   0 124,035 0
Travelers Companies Inc cs 89417e109 3,650 37,765 SH   SOLE   0 37,765 0
Trustco Bank Corp NY cs 898349105 447 63,579 SH   SOLE   0 63,579 0
Union Pacific Corp cs 907818108 5,576 58,468 SH   SOLE   0 58,468 0
United Technologies Corp cs 913017109 4,616 41,612 SH   SOLE   0 41,612 0
Unum Group cs 91529y106 2,044 57,175 SH   SOLE   0 57,175 0
Valero Energy Corp cs 91913y100 4,309 68,827 SH   SOLE   0 68,827 0
Verizon Communications Inc cs 92343v104 2,554 54,785 SH   SOLE   0 54,785 0
Walgreens Boots Alliance Inc cs 931427108 5,962 70,608 SH   SOLE   0 70,608 0
Yum Brands Inc cs 988498101 359 3,984 SH   SOLE   0 3,984 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,995 33,107 SH   SOLE   0 33,107 0
British American Tobacco PLC S ad 110448107 241 2,224 SH   SOLE   0 2,224 0
Novartis AG Sp ADR ad 66987v109 300 3,046 SH   SOLE   0 3,046 0
Unilever NV NY ad 904784709 319 7,616 SH   SOLE   0 7,616 0
iShares Tr Index S&P Small Cap ui 464287887 299 2,283 SH   SOLE   0 2,283 0
iShares Tr MSCI ACWI Ex ui 464288240 10,396 235,308 SH   SOLE   0 235,308 0
iShares Tr Russell 3000 ui 464287689 860 6,936 SH   SOLE   0 6,936 0
iShares Tr S&P 500 Growth ui 464287309 6,513 57,198 SH   SOLE   0 57,198 0
iShares Tr S&P 500 Value ui 464287408 3,454 37,459 SH   SOLE   0 37,459 0
iShares Tr S&P Mid Cap 400 Gro ui 464287606 605 3,570 SH   SOLE   0 3,570 0
iShares Tr S&P Mid Cap Value ui 464287705 344 2,669 SH   SOLE   0 2,669 0
iShares Tr S&P Small Cap 600 ui 464287804 8,497 72,081 SH   SOLE   0 72,081 0
Select Sector SPDR Healthcare ui 81369y209 2,846 38,260 SH   SOLE   0 38,260 0
Select Sector SPDR Tr SBI Cons ui 81369y407 2,411 31,525 SH   SOLE   0 31,525 0
Select Sector SPDR Tr SBI Cons ui 81369y308 1,794 37,685 SH   SOLE   0 37,685 0
Select Sector SPDR Tr SBI Ener ui 81369y506 1,459 19,410 SH   SOLE   0 19,410 0
Select Sector SPDR Tr SBI Fina ui 81369y605 3,031 124,330 SH   SOLE   0 124,330 0
Select Sector SPDR Tr SBI Indu ui 81369y704 1,865 34,490 SH   SOLE   0 34,490 0
Select Sector SPDR Tr SBI Mate ui 81369y100 5,659 116,950 SH   SOLE   0 116,950 0
Select Sector SPDR Tr SBI Tech ui 81369y803 4,067 98,235 SH   SOLE   0 98,235 0
Select Sector SPDR Tr SBI Util ui 81369y886 3,969 95,742 SH   SOLE   0 95,742 0
SPDR S&P 500 Index ETF ui 78462f103 11,757 57,115 SH   SOLE   0 57,115 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 17,304 63,337 SH   SOLE   0 63,337 0
Vanguard Index Funds Stock Mkt ui 922908769 6,845 63,958 SH   SOLE   0 63,958 0
iShares 2018 Inv Grade Bond uh 46432fag2 2,267 22,765 SH   SOLE   0 22,765 0
iShares 2020 Cp Tm ETF uh 46432fbc0 1,573 15,076 SH   SOLE   0 15,076 0
iShares Tr Barclays 1-3 Years uh 464288646 3,466 32,903 SH   SOLE   0 32,903 0
iShares Tr Barclays 1-3 Yr uh 464287457 214 2,522 SH   SOLE   0 2,522 0
iShares Tr Barclays Interm Gov uh 464288612 384 3,470 SH   SOLE   0 3,470 0
ISHARES TR CMBS ETF uh 46429b366 6,699 130,423 SH   SOLE   0 130,423 0
iShares Tr US Pfd Index uh 464288687 247 6,313 SH   SOLE   0 6,313 0
Vanguard Bond Index Fund Inc S uh 921937827 2,622 32,693 SH   SOLE   0 32,693 0
Vanguard Index Funds Total Sto ui 922908728 15,291 293,500 SH   SOLE   0 293,500 0
Vanguard Tl Int Stock Index ui 921909818 812 30,041 SH   SOLE   0 30,041 0