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 2,785 62,011 SH   SOLE   0 62,011 0
Allergan PLC cs g0177j108 3,253 10,411 SH   SOLE   0 10,411 0
Allstate Corp cs 020002101 2,871 46,238 SH   SOLE   0 46,238 0
American Electric Power Inc cs 025537101 218 3,737 SH   SOLE   0 3,737 0
American Express Co cs 025816109 387 5,560 SH   SOLE   0 5,560 0
Ameriprise Financial Inc cs 03076c106 2,564 24,091 SH   SOLE   0 24,091 0
Apple Inc cs 037833100 6,184 58,752 SH   SOLE   0 58,752 0
AT&T Inc cs 00206r102 4,193 121,842 SH   SOLE   0 121,842 0
Baker Hughes Inc cs 057224107 1,969 42,674 SH   SOLE   0 42,674 0
Bank Montreal Que cs 063671101 207 3,675 SH   SOLE   0 3,675 0
Biogen Inc cs 09062x103 1,634 5,335 SH   SOLE   0 5,335 0
Cameron International Corp cs 13342b105 206 3,255 SH   SOLE   0 3,255 0
Capital One Financial Corp cs 14040h105 1,440 19,952 SH   SOLE   0 19,952 0
Celgene Corp cs 151020104 2,663 22,236 SH   SOLE   0 22,236 0
Check Point Software Tech Ltd cs m22465104 6,379 78,384 SH   SOLE   0 78,384 0
Church & Dwight Inc cs 171340102 6,133 72,258 SH   SOLE   0 72,258 0
Cisco Systems Inc cs 17275r102 268 9,851 SH   SOLE   0 9,851 0
Colgate Palmolive Co cs 194162103 531 7,976 SH   SOLE   0 7,976 0
ConocoPhillips cs 20825c104 1,889 40,463 SH   SOLE   0 40,463 0
Danaher Corp cs 235851102 3,235 34,832 SH   SOLE   0 34,832 0
Disney Walt Co Disney cs 254687106 7,857 74,776 SH   SOLE   0 74,776 0
DTE Energy Co cs 233331107 201 2,510 SH   SOLE   0 2,510 0
Exxon Mobil Corp cs 30231g102 2,536 32,527 SH   SOLE   0 32,527 0
Fifth Third Bancorp cs 316773100 286 14,229 SH   SOLE   0 14,229 0
First Republic Bank San Fran C cs 33616c100 5,126 77,591 SH   SOLE   0 77,591 0
Fiserv Inc cs 337738108 6,141 67,144 SH   SOLE   0 67,144 0
General Electric Co cs 369604103 636 20,433 SH   SOLE   0 20,433 0
Gilead Sciences Inc cs 375558103 2,044 20,201 SH   SOLE   0 20,201 0
Intel Corp cs 458140100 438 12,718 SH   SOLE   0 12,718 0
International Business Machine cs 459200101 231 1,677 SH   SOLE   0 1,677 0
Johnson & Johnson cs 478160104 722 7,030 SH   SOLE   0 7,030 0
JPMorgan Chase & Co cs 46625h100 487 7,377 SH   SOLE   0 7,377 0
Lowes Cos Inc cs 548661107 4,650 61,147 SH   SOLE   0 61,147 0
M & T Bank Corp cs 55261f104 280 2,312 SH   SOLE   0 2,312 0
McDonalds Corp cs 580135101 258 2,184 SH   SOLE   0 2,184 0
McKesson Corp cs 58155q103 2,061 10,452 SH   SOLE   0 10,452 0
Merck & Co Inc cs 58933y105 328 6,213 SH   SOLE   0 6,213 0
Microsoft Corp cs 594918104 506 9,113 SH   SOLE   0 9,113 0
Northrop Grumman Corp cs 666807102 272 1,441 SH   SOLE   0 1,441 0
NVIDIA Corp cs 67066g104 7,331 222,424 SH   SOLE   0 222,424 0
Pfizer Inc cs 717081103 995 30,833 SH   SOLE   0 30,833 0
Procter & Gamble Co cs 742718109 239 3,012 SH   SOLE   0 3,012 0
Stericycle Inc cs 858912108 1,532 12,700 SH   SOLE   0 12,700 0
Target Corp cs 87612e106 3,816 52,555 SH   SOLE   0 52,555 0
Texas Instruments Inc cs 882508104 6,721 122,617 SH   SOLE   0 122,617 0
Travelers Companies Inc cs 89417e109 4,220 37,394 SH   SOLE   0 37,394 0
Trustco Bank Corp NY cs 898349105 390 63,579 SH   SOLE   0 63,579 0
Union Pacific Corp cs 907818108 4,526 57,874 SH   SOLE   0 57,874 0
United Technologies Corp cs 913017109 2,644 27,525 SH   SOLE   0 27,525 0
Unum Group cs 91529y106 1,589 47,743 SH   SOLE   0 47,743 0
Valero Energy Corp cs 91913y100 4,748 67,148 SH   SOLE   0 67,148 0
Verizon Communications Inc cs 92343v104 2,524 54,619 SH   SOLE   0 54,619 0
Walgreens Boots Alliance Inc cs 931427108 5,778 67,852 SH   SOLE   0 67,852 0
Yum Brands Inc cs 988498101 283 3,878 SH   SOLE   0 3,878 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 4,067 32,537 SH   SOLE   0 32,537 0
British American Tobacco PLC S ad 110448107 229 2,071 SH   SOLE   0 2,071 0
Novartis AG Sp ADR ad 66987v109 253 2,945 SH   SOLE   0 2,945 0
Unilever NV NY ad 904784709 315 7,260 SH   SOLE   0 7,260 0
iShares Tr Index S&P Small Cap ui 464287887 284 2,283 SH   SOLE   0 2,283 0
iShares Tr MSCI ACWI Ex ui 464288240 5,000 126,235 SH   SOLE   0 126,235 0
iShares Tr Russell 3000 ui 464287689 805 6,689 SH   SOLE   0 6,689 0
iShares Tr S&P 500 Growth ui 464287309 6,638 57,323 SH   SOLE   0 57,323 0
iShares Tr S&P 500 Value ui 464287408 3,322 37,529 SH   SOLE   0 37,529 0
iShares Tr S&P Mid Cap 400 Gro ui 464287606 576 3,580 SH   SOLE   0 3,580 0
iShares Tr S&P Mid Cap Value ui 464287705 313 2,669 SH   SOLE   0 2,669 0
iShares Tr S&P Small Cap 600 ui 464287804 6,638 60,282 SH   SOLE   0 60,282 0
Select Sector SPDR Healthcare ui 81369y209 6,706 93,100 SH   SOLE   0 93,100 0
Select Sector SPDR Tr SBI Cons ui 81369y407 2,464 31,525 SH   SOLE   0 31,525 0
Select Sector SPDR Tr SBI Cons ui 81369y308 1,903 37,685 SH   SOLE   0 37,685 0
Select Sector SPDR Tr SBI Ener ui 81369y506 1,982 32,861 SH   SOLE   0 32,861 0
Select Sector SPDR Tr SBI Fina ui 81369y605 5,069 212,726 SH   SOLE   0 212,726 0
Select Sector SPDR Tr SBI Indu ui 81369y704 1,828 34,490 SH   SOLE   0 34,490 0
Select Sector SPDR Tr SBI Mate ui 81369y100 4,997 115,084 SH   SOLE   0 115,084 0
Select Sector SPDR Tr SBI Tech ui 81369y803 4,207 98,235 SH   SOLE   0 98,235 0
Select Sector SPDR Tr SBI Util ui 81369y886 4,095 94,613 SH   SOLE   0 94,613 0
SPDR S&P 500 Index ETF ui 78462f103 11,538 56,597 SH   SOLE   0 56,597 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 14,336 56,433 SH   SOLE   0 56,433 0
Vanguard Index Funds Stock Mkt ui 922908769 6,528 62,592 SH   SOLE   0 62,592 0
iShares 2018 Inv Grade Bond uh 46432fag2 2,044 20,646 SH   SOLE   0 20,646 0
iShares 2020 Cp Tm ETF uh 46432fbc0 1,999 19,328 SH   SOLE   0 19,328 0
iShares Tr Barclays 1-3 Yr uh 464287457 206 2,442 SH   SOLE   0 2,442 0
iShares Tr Barclays Interm Cre uh 464288638 3,223 30,047 SH   SOLE   0 30,047 0
iShares Tr Barclays Interm Gov uh 464288612 4,345 39,636 SH   SOLE   0 39,636 0
ISHARES TR CMBS ETF uh 46429b366 6,057 119,553 SH   SOLE   0 119,553 0
iShares Tr US Pfd Index uh 464288687 242 6,223 SH   SOLE   0 6,223 0
Vanguard Bond Index Fund Inc S uh 921937827 2,848 35,786 SH   SOLE   0 35,786 0
Vanguard Index Funds Total Sto ui 922908728 15,289 301,015 SH   SOLE   0 301,015 0
Vanguard Tl Int Stock Index ui 921909818 308 12,705 SH   SOLE   0 12,705 0