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 2,386 62,118 SH   SOLE   0 62,118 0
Allergan PLC cs g0177j108 2,038 9,702 SH   SOLE   0 9,702 0
Allstate Corp cs 020002101 3,446 46,495 SH   SOLE   0 46,495 0
American Electric Power Inc cs 025537101 213 3,386 SH   SOLE   0 3,386 0
American Express Co cs 025816109 363 4,900 SH   SOLE   0 4,900 0
Ameriprise Financial Inc cs 03076c106 2,821 25,425 SH   SOLE   0 25,425 0
Apple Inc cs 037833100 6,869 59,310 SH   SOLE   0 59,310 0
AT&T Inc cs 00206r102 5,181 121,822 SH   SOLE   0 121,822 0
Bank Montreal Que cs 063671101 241 3,350 SH   SOLE   0 3,350 0
Biogen Inc cs 09062x103 1,689 5,955 SH   SOLE   0 5,955 0
Capital One Financial Corp cs 14040h105 1,855 21,263 SH   SOLE   0 21,263 0
Celgene Corp cs 151020104 2,585 22,331 SH   SOLE   0 22,331 0
Check Point Software Tech Ltd cs m22465104 6,702 79,354 SH   SOLE   0 79,354 0
Church & Dwight Inc cs 171340102 6,429 145,484 SH   SOLE   0 145,484 0
Cisco Systems Inc cs 17275r102 261 8,636 SH   SOLE   0 8,636 0
Colgate Palmolive Co cs 194162103 408 6,241 SH   SOLE   0 6,241 0
ConocoPhillips cs 20825c104 2,384 47,553 SH   SOLE   0 47,553 0
Danaher Corp cs 235851102 2,789 35,832 SH   SOLE   0 35,832 0
Disney Walt Co Disney cs 254687106 7,769 74,547 SH   SOLE   0 74,547 0
DTE Energy Co cs 233331107 226 2,299 SH   SOLE   0 2,299 0
Exxon Mobil Corp cs 30231g102 2,901 32,145 SH   SOLE   0 32,145 0
Fifth Third Bancorp cs 316773100 354 13,112 SH   SOLE   0 13,112 0
First Republic Bank San Fran C cs 33616c100 7,166 77,770 SH   SOLE   0 77,770 0
Fiserv Inc cs 337738108 7,134 67,129 SH   SOLE   0 67,129 0
Fortive Corp cs 34959j108 958 17,854 SH   SOLE   0 17,854 0
General Electric Co cs 369604103 551 17,437 SH   SOLE   0 17,437 0
Halliburton Co cs 406216101 3,385 62,586 SH   SOLE   0 62,586 0
Intel Corp cs 458140100 425 11,706 SH   SOLE   0 11,706 0
International Business Machine cs 459200101 231 1,390 SH   SOLE   0 1,390 0
Johnson & Johnson cs 478160104 810 7,030 SH   SOLE   0 7,030 0
JPMorgan Chase & Co cs 46625h100 590 6,843 SH   SOLE   0 6,843 0
Lowes Cos Inc cs 548661107 4,358 61,281 SH   SOLE   0 61,281 0
M & T Bank Corp cs 55261f104 319 2,040 SH   SOLE   0 2,040 0
McDonalds Corp cs 580135101 232 1,905 SH   SOLE   0 1,905 0
McKesson Corp cs 58155q103 1,369 9,747 SH   SOLE   0 9,747 0
Merck & Co Inc cs 58933y105 306 5,196 SH   SOLE   0 5,196 0
Microsoft Corp cs 594918104 526 8,458 SH   SOLE   0 8,458 0
Northrop Grumman Corp cs 666807102 312 1,339 SH   SOLE   0 1,339 0
NVIDIA Corp cs 67066g104 9,163 85,844 SH   SOLE   0 85,844 0
Pfizer Inc cs 717081103 972 29,938 SH   SOLE   0 29,938 0
Procter & Gamble Co cs 742718109 229 2,724 SH   SOLE   0 2,724 0
Schlumberger Ltd cs 806857108 261 3,105 SH   SOLE   0 3,105 0
Target Corp cs 87612e106 3,730 51,639 SH   SOLE   0 51,639 0
Texas Instruments Inc cs 882508104 8,925 122,306 SH   SOLE   0 122,306 0
Travelers Companies Inc cs 89417e109 4,592 37,508 SH   SOLE   0 37,508 0
Trustco Bank Corp NY cs 898349105 524 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 6,038 58,237 SH   SOLE   0 58,237 0
United Technologies Corp cs 913017109 2,980 27,188 SH   SOLE   0 27,188 0
Unum Group cs 91529y106 2,206 50,208 SH   SOLE   0 50,208 0
Valero Energy Corp cs 91913y100 4,512 66,048 SH   SOLE   0 66,048 0
Verizon Communications Inc cs 92343v104 2,852 53,436 SH   SOLE   0 53,436 0
Walgreens Boots Alliance Inc cs 931427108 5,625 67,965 SH   SOLE   0 67,965 0
Yum Brands Inc cs 988498101 217 3,432 SH   SOLE   0 3,432 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,398 32,230 SH   SOLE   0 32,230 0
British American Tobacco PLC S ad 110448107 213 1,888 SH   SOLE   0 1,888 0
Unilever NV NY ad 904784709 202 4,927 SH   SOLE   0 4,927 0
iShares Tr Index S&P Small Cap ui 464287887 215 1,433 SH   SOLE   0 1,433 0
iShares Tr MSCI ACWI Ex ui 464288240 5,020 124,651 SH   SOLE   0 124,651 0
iShares Tr Russell 3000 ui 464287689 821 6,172 SH   SOLE   0 6,172 0
iShares Tr S&P 500 Growth ui 464287309 6,690 54,932 SH   SOLE   0 54,932 0
iShares Tr S&P 500 Value ui 464287408 6,901 68,073 SH   SOLE   0 68,073 0
iShares Tr S&P Mid Cap 400 Gro ui 464287606 410 2,250 SH   SOLE   0 2,250 0
iShares Tr S&P Mid Cap Value ui 464287705 421 2,899 SH   SOLE   0 2,899 0
iShares Tr S&P Small Cap 600 ui 464287804 5,523 40,161 SH   SOLE   0 40,161 0
iShares Tr S&P Small Cap Value ui 464287879 208 1,487 SH   SOLE   0 1,487 0
Select Sector SPDR Healthcare ui 81369y209 5,587 81,040 SH   SOLE   0 81,040 0
Select Sector SPDR Tr Real Est ui 81369y860 766 24,910 SH   SOLE   0 24,910 0
Select Sector SPDR Tr SBI Cons ui 81369y407 1,722 21,150 SH   SOLE   0 21,150 0
Select Sector SPDR Tr SBI Cons ui 81369y308 1,344 25,995 SH   SOLE   0 25,995 0
Select Sector SPDR Tr SBI Ener ui 81369y506 1,051 13,959 SH   SOLE   0 13,959 0
Select Sector SPDR Tr SBI Fina ui 81369y605 4,032 173,435 SH   SOLE   0 173,435 0
Select Sector SPDR Tr SBI Indu ui 81369y704 1,482 23,820 SH   SOLE   0 23,820 0
Select Sector SPDR Tr SBI Mate ui 81369y100 5,574 112,146 SH   SOLE   0 112,146 0
Select Sector SPDR Tr SBI Tech ui 81369y803 3,301 68,250 SH   SOLE   0 68,250 0
Select Sector SPDR Tr SBI Util ui 81369y886 4,487 92,376 SH   SOLE   0 92,376 0
SPDR S&P 500 Index ETF ui 78462f103 14,279 63,880 SH   SOLE   0 63,880 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 10,569 35,028 SH   SOLE   0 35,028 0
Vanguard Index Funds Stock Mkt ui 922908769 8,729 75,694 SH   SOLE   0 75,694 0
iShares 2018 Inv Grade Bond uh 46432fag2 1,910 77,521 SH   SOLE   0 77,521 0
iShares 2020 Cp Tm ETF uh 46432fbc0 1,704 65,283 SH   SOLE   0 65,283 0
iShares Ibonds Dec21 ETF uh 46434vbk5 2,044 82,737 SH   SOLE   0 82,737 0
iShares Sht Mat Bond ETF uh 46431w507 2,429 48,400 SH   SOLE   0 48,400 0
iShares Sht Mat Muni ETF uh 46431w838 4,518 90,786 SH   SOLE   0 90,786 0
iShares Tr Barclays 1-3 Years uh 464288646 4,204 40,057 SH   SOLE   0 40,057 0
iShares Tr Barclays Interm Gov uh 464288612 9,253 84,229 SH   SOLE   0 84,229 0
iShares Tr Barclays MBS Bond uh 464288588 1,436 13,500 SH   SOLE   0 13,500 0
ISHARES TR CMBS ETF uh 46429b366 7,439 145,693 SH   SOLE   0 145,693 0
iShares Tr US Pfd Index uh 464288687 232 6,223 SH   SOLE   0 6,223 0
Vanguard Bond Index Fund Inc S uh 921937827 2,475 31,155 SH   SOLE   0 31,155 0
Vanguard Index Funds Total Sto ui 922908728 16,597 295,955 SH   SOLE   0 295,955 0
Vanguard Tl Int Stock Index ui 921909818 322 13,088 SH   SOLE   0 13,088 0