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Inc cs 548661107 4225 61307 SH SOLE 0 61307 0 M & T Bank Corp cs 55261f104 291 2384 SH SOLE 0 2384 0 McDonalds Corp cs 580135101 236 2393 SH SOLE 0 2393 0 McKesson Corp cs 58155q103 1981 10708 SH SOLE 0 10708 0 Merck & Co Inc cs 58933y105 314 6353 SH SOLE 0 6353 0 Microsoft Corp cs 594918104 411 9293 SH SOLE 0 9293 0 Mylan NV Euro cs n59465109 2569 63809 SH SOLE 0 63809 0 Northrop Grumman Corp cs 666807102 250 1507 SH SOLE 0 1507 0 NVIDIA Corp cs 67066g104 5494 222864 SH SOLE 0 222864 0 Pfizer Inc cs 717081103 975 31052 SH SOLE 0 31052 0 Procter & Gamble Co cs 742718109 230 3203 SH SOLE 0 3203 0 Stericycle Inc cs 858912108 1785 12815 SH SOLE 0 12815 0 Target Corp cs 87612e106 4153 52801 SH SOLE 0 52801 0 Texas Instruments Inc cs 882508104 6094 123054 SH SOLE 0 123054 0 Travelers Companies Inc cs 89417e109 3730 37480 SH SOLE 0 37480 0 Trustco Bank Corp NY cs 898349105 371 63579 SH SOLE 0 63579 0 Union Pacific Corp cs 907818108 5143 58170 SH SOLE 0 58170 0 United Technologies Corp cs 913017109 2456 27597 SH SOLE 0 27597 0 Unum Group cs 91529y106 1897 59137 SH SOLE 0 59137 0 Valero Energy Corp cs 91913y100 4081 67909 SH SOLE 0 67909 0 Verizon Communications Inc cs 92343v104 2375 54590 SH SOLE 0 54590 0 Walgreens Boots Alliance Inc cs 931427108 5707 68673 SH SOLE 0 68673 0 Yum Brands Inc cs 988498101 320 3997 SH SOLE 0 3997 0 Anheuser-Busch InBev SA NV Sp ad 03524a108 3460 32542 SH SOLE 0 32542 0 British American Tobacco PLC S ad 110448107 234 2124 SH SOLE 0 2124 0 Novartis AG Sp ADR ad 66987v109 280 3046 SH SOLE 0 3046 0 Unilever NV NY ad 904784709 307 7642 SH SOLE 0 7642 0 iShares Tr Index S&P Small Cap ui 464287887 274 2283 SH SOLE 0 2283 0 iShares Tr MSCI ACWI Ex ui 464288240 5027 128739 SH SOLE 0 128739 0 iShares Tr Russell 3000 ui 464287689 765 6721 SH SOLE 0 6721 0 iShares Tr S&P 500 Growth ui 464287309 6166 57198 SH SOLE 0 57198 0 iShares Tr S&P 500 Value ui 464287408 3148 37459 SH SOLE 0 37459 0 iShares Tr S&P Mid Cap 400 Gro ui 464287606 561 3570 SH SOLE 0 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SOLE 0 63224 0 iShares 2018 Inv Grade Bond uh 46432fag2 2057 20795 SH SOLE 0 20795 0 iShares 2020 Cp Tm ETF uh 46432fbc0 2053 19493 SH SOLE 0 19493 0 iShares Tr Barclays 1-3 Years uh 464288646 3051 29023 SH SOLE 0 29023 0 iShares Tr Barclays 1-3 Yr uh 464287457 214 2522 SH SOLE 0 2522 0 ISHARES TR CMBS ETF uh 46429b366 6189 119553 SH SOLE 0 119553 0 iShares Tr US Pfd Index uh 464288687 244 6313 SH SOLE 0 6313 0 Vanguard Bond Index Fund Inc S uh 921937827 2482 30878 SH SOLE 0 30878 0 Vanguard Index Funds Total Sto ui 922908728 14388 299315 SH SOLE 0 299315 0 Vanguard Tl Int Stock Index ui 921909818 300 12605 SH SOLE 0 12605 0