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 2,619 62,603 SH   SOLE   0 62,603 0
Allergan PLC cs g0177j108 2,801 10,451 SH   SOLE   0 10,451 0
Allstate Corp cs 020002101 3,130 46,454 SH   SOLE   0 46,454 0
American Electric Power Inc cs 025537101 264 3,976 SH   SOLE   0 3,976 0
American Express Co cs 025816109 341 5,560 SH   SOLE   0 5,560 0
Ameriprise Financial Inc cs 03076c106 2,269 24,131 SH   SOLE   0 24,131 0
Apple Inc cs 037833100 6,421 58,914 SH   SOLE   0 58,914 0
AT&T Inc cs 00206r102 4,748 121,223 SH   SOLE   0 121,223 0
Baker Hughes Inc cs 057224107 1,874 42,759 SH   SOLE   0 42,759 0
Bank Montreal Que cs 063671101 238 3,918 SH   SOLE   0 3,918 0
Becton Dickinson & Co cs 075887109 202 1,328 SH   SOLE   0 1,328 0
Biogen Inc cs 09062x103 1,401 5,380 SH   SOLE   0 5,380 0
Cameron International Corp cs 13342b105 218 3,255 SH   SOLE   0 3,255 0
Capital One Financial Corp cs 14040h105 1,390 20,062 SH   SOLE   0 20,062 0
Celgene Corp cs 151020104 2,235 22,326 SH   SOLE   0 22,326 0
Check Point Software Tech Ltd cs m22465104 6,882 78,679 SH   SOLE   0 78,679 0
Church & Dwight Inc cs 171340102 6,683 72,502 SH   SOLE   0 72,502 0
Cisco Systems Inc cs 17275r102 296 10,405 SH   SOLE   0 10,405 0
Colgate Palmolive Co cs 194162103 574 8,122 SH   SOLE   0 8,122 0
ConocoPhillips cs 20825c104 1,639 40,704 SH   SOLE   0 40,704 0
Danaher Corp cs 235851102 3,298 34,764 SH   SOLE   0 34,764 0
Disney Walt Co Disney cs 254687106 7,455 75,071 SH   SOLE   0 75,071 0
DTE Energy Co cs 233331107 242 2,666 SH   SOLE   0 2,666 0
Exxon Mobil Corp cs 30231g102 2,732 32,679 SH   SOLE   0 32,679 0
Fifth Third Bancorp cs 316773100 251 15,063 SH   SOLE   0 15,063 0
First Republic Bank San Fran C cs 33616c100 5,193 77,931 SH   SOLE   0 77,931 0
Fiserv Inc cs 337738108 6,898 67,244 SH   SOLE   0 67,244 0
General Electric Co cs 369604103 677 21,303 SH   SOLE   0 21,303 0
Gilead Sciences Inc cs 375558103 1,857 20,217 SH   SOLE   0 20,217 0
Intel Corp cs 458140100 428 13,233 SH   SOLE   0 13,233 0
International Business Machine cs 459200101 254 1,677 SH   SOLE   0 1,677 0
Johnson & Johnson cs 478160104 761 7,030 SH   SOLE   0 7,030 0
JPMorgan Chase & Co cs 46625h100 460 7,760 SH   SOLE   0 7,760 0
Lowes Cos Inc cs 548661107 4,648 61,358 SH   SOLE   0 61,358 0
M & T Bank Corp cs 55261f104 271 2,443 SH   SOLE   0 2,443 0
McDonalds Corp cs 580135101 295 2,344 SH   SOLE   0 2,344 0
McKesson Corp cs 58155q103 1,644 10,457 SH   SOLE   0 10,457 0
Merck & Co Inc cs 58933y105 345 6,511 SH   SOLE   0 6,511 0
Microsoft Corp cs 594918104 524 9,485 SH   SOLE   0 9,485 0
Northrop Grumman Corp cs 666807102 310 1,566 SH   SOLE   0 1,566 0
NVIDIA Corp cs 67066g104 7,924 222,408 SH   SOLE   0 222,408 0
Pfizer Inc cs 717081103 927 31,291 SH   SOLE   0 31,291 0
Procter & Gamble Co cs 742718109 257 3,123 SH   SOLE   0 3,123 0
Stericycle Inc cs 858912108 1,606 12,730 SH   SOLE   0 12,730 0
Target Corp cs 87612e106 4,354 52,920 SH   SOLE   0 52,920 0
Texas Instruments Inc cs 882508104 7,083 123,347 SH   SOLE   0 123,347 0
Travelers Companies Inc cs 89417e109 4,379 37,524 SH   SOLE   0 37,524 0
Trustco Bank Corp NY cs 898349105 385 63,579 SH   SOLE   0 63,579 0
Union Pacific Corp cs 907818108 4,631 58,219 SH   SOLE   0 58,219 0
United Technologies Corp cs 913017109 2,781 27,779 SH   SOLE   0 27,779 0
Unum Group cs 91529y106 1,483 47,970 SH   SOLE   0 47,970 0
Valero Energy Corp cs 91913y100 4,315 67,278 SH   SOLE   0 67,278 0
Verizon Communications Inc cs 92343v104 2,966 54,843 SH   SOLE   0 54,843 0
Walgreens Boots Alliance Inc cs 931427108 5,730 68,020 SH   SOLE   0 68,020 0
Yum Brands Inc cs 988498101 337 4,122 SH   SOLE   0 4,122 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 4,064 32,602 SH   SOLE   0 32,602 0
British American Tobacco PLC S ad 110448107 257 2,196 SH   SOLE   0 2,196 0
Novartis AG Sp ADR ad 66987v109 224 3,095 SH   SOLE   0 3,095 0
Unilever NV NY ad 904784709 344 7,689 SH   SOLE   0 7,689 0
iShares Tr MSCI ACWI Ex ui 464288240 4,990 126,400 SH   SOLE   0 126,400 0
iShares Tr Russell 3000 ui 464287689 809 6,690 SH   SOLE   0 6,690 0
iShares Tr S&P 500 Growth ui 464287309 6,643 57,323 SH   SOLE   0 57,323 0
iShares Tr S&P 500 Value ui 464287408 3,375 37,529 SH   SOLE   0 37,529 0
iShares Tr S&P Mid Cap 400 Gro ui 464287606 321 1,975 SH   SOLE   0 1,975 0
iShares Tr S&P Small Cap 600 ui 464287804 4,417 39,240 SH   SOLE   0 39,240 0
Select Sector SPDR Healthcare ui 81369y209 6,308 93,064 SH   SOLE   0 93,064 0
Select Sector SPDR Tr SBI Cons ui 81369y407 2,494 31,525 SH   SOLE   0 31,525 0
Select Sector SPDR Tr SBI Cons ui 81369y308 2,000 37,685 SH   SOLE   0 37,685 0
Select Sector SPDR Tr SBI Ener ui 81369y506 2,035 32,876 SH   SOLE   0 32,876 0
Select Sector SPDR Tr SBI Fina ui 81369y605 4,787 212,777 SH   SOLE   0 212,777 0
Select Sector SPDR Tr SBI Indu ui 81369y704 1,913 34,490 SH   SOLE   0 34,490 0
Select Sector SPDR Tr SBI Mate ui 81369y100 5,160 115,148 SH   SOLE   0 115,148 0
Select Sector SPDR Tr SBI Tech ui 81369y803 4,344 97,930 SH   SOLE   0 97,930 0
Select Sector SPDR Tr SBI Util ui 81369y886 4,714 94,999 SH   SOLE   0 94,999 0
SPDR S&P 500 Index ETF ui 78462f103 11,956 58,173 SH   SOLE   0 58,173 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 8,895 33,857 SH   SOLE   0 33,857 0
Vanguard Index Funds Stock Mkt ui 922908769 6,491 61,926 SH   SOLE   0 61,926 0
iShares 2018 Inv Grade Bond uh 46432fag2 1,978 19,946 SH   SOLE   0 19,946 0
iShares 2020 Cp Tm ETF uh 46432fbc0 1,744 16,506 SH   SOLE   0 16,506 0
iShares Tr Barclays 1-3 Years uh 464288646 500 4,745 SH   SOLE   0 4,745 0
iShares Tr Barclays Interm Gov uh 464288612 4,338 38,712 SH   SOLE   0 38,712 0
ISHARES TR CMBS ETF uh 46429b366 6,167 118,553 SH   SOLE   0 118,553 0
iShares Tr US Pfd Index uh 464288687 243 6,223 SH   SOLE   0 6,223 0
Vanguard Bond Index Fund Inc S uh 921937827 2,856 35,417 SH   SOLE   0 35,417 0
Vanguard Index Funds Total Sto uh 922908728 14,870 291,406 SH   SOLE   0 291,406 0
Vanguard Tl Int Stock Index uh 921909818 307 12,746 SH   SOLE   0 12,746 0
Blackstone Group LP cs 09253u108 407 14,500 SH   SOLE   0 14,500 0