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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
Abbott Laboratoriescs0028241002,78562,011SH SOLE 062,0110
Allergan PLCcsg0177j1083,25310,411SH SOLE 010,4110
Allstate Corpcs0200021012,87146,238SH SOLE 046,2380
American Electric Power Inccs0255371012183,737SH SOLE 03,7370
American Express Cocs0258161093875,560SH SOLE 05,5600
Ameriprise Financial Inccs03076c1062,56424,091SH SOLE 024,0910
Apple Inccs0378331006,18458,752SH SOLE 058,7520
AT&T Inccs00206r1024,193121,842SH SOLE 0121,8420
Baker Hughes Inccs0572241071,96942,674SH SOLE 042,6740
Bank Montreal Quecs0636711012073,675SH SOLE 03,6750
Biogen Inccs09062x1031,6345,335SH SOLE 05,3350
Cameron International Corpcs13342b1052063,255SH SOLE 03,2550
Capital One Financial Corpcs14040h1051,44019,952SH SOLE 019,9520
Celgene Corpcs1510201042,66322,236SH SOLE 022,2360
Check Point Software Tech Ltdcsm224651046,37978,384SH SOLE 078,3840
Church & Dwight Inccs1713401026,13372,258SH SOLE 072,2580
Cisco Systems Inccs17275r1022689,851SH SOLE 09,8510
Colgate Palmolive Cocs1941621035317,976SH SOLE 07,9760
ConocoPhillipscs20825c1041,88940,463SH SOLE 040,4630
Danaher Corpcs2358511023,23534,832SH SOLE 034,8320
Disney Walt Co Disneycs2546871067,85774,776SH SOLE 074,7760
DTE Energy Cocs2333311072012,510SH SOLE 02,5100
Exxon Mobil Corpcs30231g1022,53632,527SH SOLE 032,5270
Fifth Third Bancorpcs31677310028614,229SH SOLE 014,2290
First Republic Bank San Fran Ccs33616c1005,12677,591SH SOLE 077,5910
Fiserv Inccs3377381086,14167,144SH SOLE 067,1440
General Electric Cocs36960410363620,433SH SOLE 020,4330
Gilead Sciences Inccs3755581032,04420,201SH SOLE 020,2010
Intel Corpcs45814010043812,718SH SOLE 012,7180
International Business Machinecs4592001012311,677SH SOLE 01,6770
Johnson & Johnsoncs4781601047227,030SH SOLE 07,0300
JPMorgan Chase & Cocs46625h1004877,377SH SOLE 07,3770
Lowes Cos Inccs5486611074,65061,147SH SOLE 061,1470
M & T Bank Corpcs55261f1042802,312SH SOLE 02,3120
McDonalds Corpcs5801351012582,184SH SOLE 02,1840
McKesson Corpcs58155q1032,06110,452SH SOLE 010,4520
Merck & Co Inccs58933y1053286,213SH SOLE 06,2130
Microsoft Corpcs5949181045069,113SH SOLE 09,1130
Northrop Grumman Corpcs6668071022721,441SH SOLE 01,4410
NVIDIA Corpcs67066g1047,331222,424SH SOLE 0222,4240
Pfizer Inccs71708110399530,833SH SOLE 030,8330
Procter & Gamble Cocs7427181092393,012SH SOLE 03,0120
Stericycle Inccs8589121081,53212,700SH SOLE 012,7000
Target Corpcs87612e1063,81652,555SH SOLE 052,5550
Texas Instruments Inccs8825081046,721122,617SH SOLE 0122,6170
Travelers Companies Inccs89417e1094,22037,394SH SOLE 037,3940
Trustco Bank Corp NYcs89834910539063,579SH SOLE 063,5790
Union Pacific Corpcs9078181084,52657,874SH SOLE 057,8740
United Technologies Corpcs9130171092,64427,525SH SOLE 027,5250
Unum Groupcs91529y1061,58947,743SH SOLE 047,7430
Valero Energy Corpcs91913y1004,74867,148SH SOLE 067,1480
Verizon Communications Inccs92343v1042,52454,619SH SOLE 054,6190
Walgreens Boots Alliance Inccs9314271085,77867,852SH SOLE 067,8520
Yum Brands Inccs9884981012833,878SH SOLE 03,8780
Anheuser-Busch InBev SA NV Spad03524a1084,06732,537SH SOLE 032,5370
British American Tobacco PLC Sad1104481072292,071SH SOLE 02,0710
Novartis AG Sp ADRad66987v1092532,945SH SOLE 02,9450
Unilever NV NYad9047847093157,260SH SOLE 07,2600
iShares Tr Index S&P Small Capui4642878872842,283SH SOLE 02,2830
iShares Tr MSCI ACWI Exui4642882405,000126,235SH SOLE 0126,2350
iShares Tr Russell 3000ui4642876898056,689SH SOLE 06,6890
iShares Tr S&P 500 Growthui4642873096,63857,323SH SOLE 057,3230
iShares Tr S&P 500 Valueui4642874083,32237,529SH SOLE 037,5290
iShares Tr S&P Mid Cap 400 Groui4642876065763,580SH SOLE 03,5800
iShares Tr S&P Mid Cap Valueui4642877053132,669SH SOLE 02,6690
iShares Tr S&P Small Cap 600ui4642878046,63860,282SH SOLE 060,2820
Select Sector SPDR Healthcareui81369y2096,70693,100SH SOLE 093,1000
Select Sector SPDR Tr SBI Consui81369y4072,46431,525SH SOLE 031,5250
Select Sector SPDR Tr SBI Consui81369y3081,90337,685SH SOLE 037,6850
Select Sector SPDR Tr SBI Enerui81369y5061,98232,861SH SOLE 032,8610
Select Sector SPDR Tr SBI Finaui81369y6055,069212,726SH SOLE 0212,7260
Select Sector SPDR Tr SBI Induui81369y7041,82834,490SH SOLE 034,4900
Select Sector SPDR Tr SBI Mateui81369y1004,997115,084SH SOLE 0115,0840
Select Sector SPDR Tr SBI Techui81369y8034,20798,235SH SOLE 098,2350
Select Sector SPDR Tr SBI Utilui81369y8864,09594,613SH SOLE 094,6130
SPDR S&P 500 Index ETFui78462f10311,53856,597SH SOLE 056,5970
SPDR S&P Mid Cap 400 ETF Trui78467y10714,33656,433SH SOLE 056,4330
Vanguard Index Funds Stock Mktui9229087696,52862,592SH SOLE 062,5920
iShares 2018 Inv Grade Bonduh46432fag22,04420,646SH SOLE 020,6460
iShares 2020 Cp Tm ETFuh46432fbc01,99919,328SH SOLE 019,3280
iShares Tr Barclays 1-3 Yruh4642874572062,442SH SOLE 02,4420
iShares Tr Barclays Interm Creuh4642886383,22330,047SH SOLE 030,0470
iShares Tr Barclays Interm Govuh4642886124,34539,636SH SOLE 039,6360
ISHARES TR CMBS ETFuh46429b3666,057119,553SH SOLE 0119,5530
iShares Tr US Pfd Indexuh4642886872426,223SH SOLE 06,2230
Vanguard Bond Index Fund Inc Suh9219378272,84835,786SH SOLE 035,7860
Vanguard Index Funds Total Stoui92290872815,289301,015SH SOLE 0301,0150
Vanguard Tl Int Stock Indexui92190981830812,705SH SOLE 012,7050