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 2,655 62,792 SH   SOLE   0 0 62,792
Allergan PLC cs g0177j108 2,448 10,628 SH   SOLE   0 0 10,628
Allstate Corp cs 020002101 3,253 47,026 SH   SOLE   0 0 47,026
American Electric Power Inc cs 025537101 274 4,269 SH   SOLE   0 0 4,269
American Express Co cs 025816109 314 4,900 SH   SOLE   0 0 4,900
Ameriprise Financial Inc cs 03076c106 2,500 25,053 SH   SOLE   0 0 25,053
Apple Inc cs 037833100 6,615 58,516 SH   SOLE   0 0 58,516
AT&T Inc cs 00206r102 4,864 119,763 SH   SOLE   0 0 119,763
Bank Montreal Que cs 063671101 277 4,219 SH   SOLE   0 0 4,219
Becton Dickinson & Co cs 075887109 256 1,427 SH   SOLE   0 0 1,427
Biogen Inc cs 09062x103 1,788 5,710 SH   SOLE   0 0 5,710
Capital One Financial Corp cs 14040h105 1,493 20,787 SH   SOLE   0 0 20,787
Celgene Corp cs 151020104 2,300 22,006 SH   SOLE   0 0 22,006
Check Point Software Tech Ltd cs m22465104 6,074 78,259 SH   SOLE   0 0 78,259
Church & Dwight Inc cs 171340102 6,860 143,158 SH   SOLE   0 0 143,158
Cisco Systems Inc cs 17275r102 352 11,107 SH   SOLE   0 0 11,107
Colgate Palmolive Co cs 194162103 546 7,358 SH   SOLE   0 0 7,358
ConocoPhillips cs 20825c104 2,052 47,212 SH   SOLE   0 0 47,212
Danaher Corp cs 235851102 2,805 35,780 SH   SOLE   0 0 35,780
Disney Walt Co Disney cs 254687106 6,838 73,642 SH   SOLE   0 0 73,642
DTE Energy Co cs 233331107 268 2,860 SH   SOLE   0 0 2,860
Exxon Mobil Corp cs 30231g102 2,841 32,552 SH   SOLE   0 0 32,552
Fifth Third Bancorp cs 316773100 329 16,083 SH   SOLE   0 0 16,083
First Republic Bank San Fran C cs 33616c100 5,966 77,370 SH   SOLE   0 0 77,370
Fiserv Inc cs 337738108 6,635 66,699 SH   SOLE   0 0 66,699
Fortive Corp cs 34959j108 908 17,835 SH   SOLE   0 0 17,835
General Electric Co cs 369604103 615 20,774 SH   SOLE   0 0 20,774
Halliburton Co cs 406216101 2,795 62,279 SH   SOLE   0 0 62,279
Intel Corp cs 458140100 523 13,862 SH   SOLE   0 0 13,862
International Business Machine cs 459200101 221 1,390 SH   SOLE   0 0 1,390
Johnson & Johnson cs 478160104 831 7,030 SH   SOLE   0 0 7,030
JPMorgan Chase & Co cs 46625h100 546 8,202 SH   SOLE   0 0 8,202
Lowes Cos Inc cs 548661107 4,370 60,512 SH   SOLE   0 0 60,512
M & T Bank Corp cs 55261f104 302 2,604 SH   SOLE   0 0 2,604
McDonalds Corp cs 580135101 293 2,536 SH   SOLE   0 0 2,536
McKesson Corp cs 58155q103 1,796 10,772 SH   SOLE   0 0 10,772
Merck & Co Inc cs 58933y105 387 6,206 SH   SOLE   0 0 6,206
Microsoft Corp cs 594918104 572 9,937 SH   SOLE   0 0 9,937
Northrop Grumman Corp cs 666807102 367 1,713 SH   SOLE   0 0 1,713
NVIDIA Corp cs 67066g104 5,823 84,989 SH   SOLE   0 0 84,989
Pfizer Inc cs 717081103 1,066 31,471 SH   SOLE   0 0 31,471
Procter & Gamble Co cs 742718109 293 3,261 SH   SOLE   0 0 3,261
Schlumberger Ltd cs 806857108 244 3,104 SH   SOLE   0 0 3,104
Target Corp cs 87612e106 3,583 52,171 SH   SOLE   0 0 52,171
Texas Instruments Inc cs 882508104 8,560 121,974 SH   SOLE   0 0 121,974
Travelers Companies Inc cs 89417e109 4,232 36,941 SH   SOLE   0 0 36,941
Trustco Bank Corp NY cs 898349105 425 59,882 SH   SOLE   0 0 59,882
Union Pacific Corp cs 907818108 5,596 57,380 SH   SOLE   0 0 57,380
United Technologies Corp cs 913017109 2,808 27,639 SH   SOLE   0 0 27,639
Unum Group cs 91529y106 1,741 49,316 SH   SOLE   0 0 49,316
Valero Energy Corp cs 91913y100 3,517 66,360 SH   SOLE   0 0 66,360
Verizon Communications Inc cs 92343v104 2,833 54,500 SH   SOLE   0 0 54,500
Walgreens Boots Alliance Inc cs 931427108 5,473 67,887 SH   SOLE   0 0 67,887
Yum Brands Inc cs 988498101 401 4,412 SH   SOLE   0 0 4,412
Anheuser-Busch InBev SA NV Sp ad 03524a108 4,172 31,749 SH   SOLE   0 0 31,749
British American Tobacco PLC S ad 110448107 304 2,385 SH   SOLE   0 0 2,385
Novartis AG Sp ADR ad 66987v109 264 3,338 SH   SOLE   0 0 3,338
Unilever NV NY ad 904784709 309 6,712 SH   SOLE   0 0 6,712
iShares Tr MSCI ACWI Ex ui 464288240 5,236 126,218 SH   SOLE   0 0 126,218
iShares Tr Russell 3000 ui 464287689 788 6,146 SH   SOLE   0 0 6,146
iShares Tr S&P 500 Growth ui 464287309 6,657 54,717 SH   SOLE   0 0 54,717
iShares Tr S&P 500 Value ui 464287408 6,416 67,568 SH   SOLE   0 0 67,568
iShares Tr S&P Mid Cap 400 Gro ui 464287606 392 2,245 SH   SOLE   0 0 2,245
iShares Tr S&P Mid Cap Value ui 464287705 383 2,879 SH   SOLE   0 0 2,879
iShares Tr S&P Small Cap 600 ui 464287804 4,754 38,291 SH   SOLE   0 0 38,291
Select Sector SPDR Healthcare ui 81369y209 6,661 92,375 SH   SOLE   0 0 92,375
Select Sector SPDR Tr Real Est ui 81369y860 822 25,090 SH   SOLE   0 0 25,090
Select Sector SPDR Tr SBI Cons ui 81369y407 1,652 20,645 SH   SOLE   0 0 20,645
Select Sector SPDR Tr SBI Cons ui 81369y308 1,919 36,065 SH   SOLE   0 0 36,065
Select Sector SPDR Tr SBI Ener ui 81369y506 1,451 20,549 SH   SOLE   0 0 20,549
Select Sector SPDR Tr SBI Fina ui 81369y605 3,485 180,588 SH   SOLE   0 0 180,588
Select Sector SPDR Tr SBI Indu ui 81369y704 2,030 34,765 SH   SOLE   0 0 34,765
Select Sector SPDR Tr SBI Mate ui 81369y100 5,459 114,328 SH   SOLE   0 0 114,328
Select Sector SPDR Tr SBI Tech ui 81369y803 3,275 68,535 SH   SOLE   0 0 68,535
Select Sector SPDR Tr SBI Util ui 81369y886 4,629 94,483 SH   SOLE   0 0 94,483
SPDR S&P 500 Index ETF ui 78462f103 12,972 59,973 SH   SOLE   0 0 59,973
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 9,334 33,068 SH   SOLE   0 0 33,068
Vanguard Index Funds Stock Mkt ui 922908769 8,210 73,747 SH   SOLE   0 0 73,747
iShares 2018 Inv Grade Bond uh 46432fag2 1,939 78,208 SH   SOLE   0 0 78,208
iShares 2020 Cp Tm ETF uh 46432fbc0 1,728 65,269 SH   SOLE   0 0 65,269
iShares Ibonds Dec21 ETF uh 46434vbk5 2,116 83,514 SH   SOLE   0 0 83,514
iShares Sht Mat Bond ETF uh 46431w507 1,477 29,424 SH   SOLE   0 0 29,424
iShares Sht Mat Muni ETF uh 46431w838 4,207 84,038 SH   SOLE   0 0 84,038
iShares Tr Barclays 1-3 Years uh 464288646 4,290 40,565 SH   SOLE   0 0 40,565
iShares Tr Barclays Interm Gov uh 464288612 4,430 39,262 SH   SOLE   0 0 39,262
ISHARES TR CMBS ETF uh 46429b366 7,745 145,910 SH   SOLE   0 0 145,910
iShares Tr US Pfd Index uh 464288687 246 6,223 SH   SOLE   0 0 6,223
Vanguard Bond Index Fund Inc S uh 921937827 2,568 31,769 SH   SOLE   0 0 31,769
Vanguard Index Funds Total Sto ui 922908728 15,941 294,116 SH   SOLE   0 0 294,116
Vanguard Tl Int Stock Index ui 921909818 329 12,977 SH   SOLE   0 0 12,977