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 2,737 61,624 SH   SOLE   0 61,624 0
Allergan PLC cs g0177j108 2,399 10,042 SH   SOLE   0 10,042 0
Allstate Corp cs 020002101 3,796 46,579 SH   SOLE   0 46,579 0
American Express Co cs 025816109 376 4,750 SH   SOLE   0 4,750 0
Ameriprise Financial Inc cs 03076c106 3,337 25,732 SH   SOLE   0 25,732 0
Apple Inc cs 037833100 8,127 56,568 SH   SOLE   0 56,568 0
AT&T Inc cs 00206r102 5,016 120,729 SH   SOLE   0 120,729 0
Bank Montreal Que cs 063671101 249 3,326 SH   SOLE   0 3,326 0
Biogen Inc cs 09062x103 1,645 6,015 SH   SOLE   0 6,015 0
Capital One Financial Corp cs 14040h105 1,847 21,317 SH   SOLE   0 21,317 0
Celgene Corp cs 151020104 2,715 21,821 SH   SOLE   0 21,821 0
Check Point Software Tech Ltd cs m22465104 8,052 78,434 SH   SOLE   0 78,434 0
Church & Dwight Inc cs 171340102 7,152 143,407 SH   SOLE   0 143,407 0
Cisco Systems Inc cs 17275r102 290 8,583 SH   SOLE   0 8,583 0
Colgate Palmolive Co cs 194162103 455 6,223 SH   SOLE   0 6,223 0
ConocoPhillips cs 20825c104 2,334 46,807 SH   SOLE   0 46,807 0
Danaher Corp cs 235851102 3,033 35,467 SH   SOLE   0 35,467 0
Disney Walt Co Disney cs 254687106 8,341 73,559 SH   SOLE   0 73,559 0
DTE Energy Co cs 233331107 233 2,285 SH   SOLE   0 2,285 0
Exxon Mobil Corp cs 30231g102 2,566 31,291 SH   SOLE   0 31,291 0
Fifth Third Bancorp cs 316773100 330 13,005 SH   SOLE   0 13,005 0
First Republic Bank San Franci cs 33616c100 7,217 76,932 SH   SOLE   0 76,932 0
Fiserv Inc cs 337738108 7,651 66,354 SH   SOLE   0 66,354 0
Fortive Corp cs 34959j108 1,064 17,670 SH   SOLE   0 17,670 0
General Electric Co cs 369604103 508 17,057 SH   SOLE   0 17,057 0
Halliburton Co cs 406216101 3,039 61,757 SH   SOLE   0 61,757 0
Intel Corp cs 458140100 420 11,655 SH   SOLE   0 11,655 0
Intl Business Machines cs 459200101 242 1,391 SH   SOLE   0 1,391 0
Johnson & Johnson cs 478160104 876 7,030 SH   SOLE   0 7,030 0
JPMorgan Chase & Co cs 46625h100 588 6,694 SH   SOLE   0 6,694 0
Lowes Cos Inc cs 548661107 4,921 59,858 SH   SOLE   0 59,858 0
M & T Bank Corp cs 55261f104 313 2,021 SH   SOLE   0 2,021 0
McDonalds Corp cs 580135101 245 1,887 SH   SOLE   0 1,887 0
McKesson Corp cs 58155q103 1,495 10,082 SH   SOLE   0 10,082 0
Merck & Co Inc cs 58933y105 328 5,165 SH   SOLE   0 5,165 0
Microsoft Corp cs 594918104 554 8,415 SH   SOLE   0 8,415 0
Northrop Grumman Corp cs 666807102 314 1,319 SH   SOLE   0 1,319 0
NVIDIA Corp cs 67066g104 9,199 84,450 SH   SOLE   0 84,450 0
Pfizer Inc cs 717081103 1,027 30,023 SH   SOLE   0 30,023 0
Procter And Gamble Co cs 742718109 243 2,710 SH   SOLE   0 2,710 0
Schlumberger Ltd cs 806857108 243 3,105 SH   SOLE   0 3,105 0
Scripps Networks Interact Inc cs 811065101 2,468 31,495 SH   SOLE   0 31,495 0
Target Corp cs 87612e106 307 5,564 SH   SOLE   0 5,564 0
Texas Instruments Inc cs 882508104 9,736 120,854 SH   SOLE   0 120,854 0
Travelers Companies Inc cs 89417e109 4,467 37,059 SH   SOLE   0 37,059 0
Trustco Bank Corp NY cs 898349105 470 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 6,052 57,140 SH   SOLE   0 57,140 0
United Technologies Corp cs 913017109 3,006 26,793 SH   SOLE   0 26,793 0
Unum Group cs 91529y106 2,360 50,335 SH   SOLE   0 50,335 0
Valero Energy Corp cs 91913y100 4,325 65,238 SH   SOLE   0 65,238 0
Verizon Communications Inc cs 92343v104 2,529 51,874 SH   SOLE   0 51,874 0
Walgreens Boots Alliance Inc cs 931427108 5,548 66,804 SH   SOLE   0 66,804 0
Yum Brands Inc cs 988498101 217 3,396 SH   SOLE   0 3,396 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,487 31,766 SH   SOLE   0 31,766 0
British American Tobacco PLC S ad 110448107 247 3,725 SH   SOLE   0 3,725 0
Unilever NV NY ad 904784709 242 4,867 SH   SOLE   0 4,867 0
iShares Core S & P Small Cap ui 464287804 5,428 78,483 SH   SOLE   0 78,483 0
iShares MSCI ACWI ex-US Index ui 464288240 5,329 122,158 SH   SOLE   0 122,158 0
iShares Russell 3000 ETF ui 464287689 863 6,172 SH   SOLE   0 6,172 0
iShares S&P 500 Growth ETF ui 464287309 8,007 60,882 SH   SOLE   0 60,882 0
iShares S&P 500 Val ETF ui 464287408 5,428 52,173 SH   SOLE   0 52,173 0
iShares S&P Mc 400Gr ETF ui 464287606 553 2,895 SH   SOLE   0 2,895 0
iShares S&P Mc 400VL ETF ui 464287705 396 2,669 SH   SOLE   0 2,669 0
iShares SP Smcp600gr ETF ui 464287887 271 1,773 SH   SOLE   0 1,773 0
Select Sector SPDR Cons Discre ui 81369y407 1,766 20,085 SH   SOLE   0 20,085 0
Select Sector SPDR Consumer St ui 81369y308 1,348 24,690 SH   SOLE   0 24,690 0
Select Sector SPDR Energy ui 81369y506 926 13,254 SH   SOLE   0 13,254 0
Select Sector SPDR Financial ui 81369y605 3,839 161,771 SH   SOLE   0 161,771 0
Select Sector SPDR Healthcare ui 81369y209 5,803 78,033 SH   SOLE   0 78,033 0
Select Sector SPDR Industrials ui 81369y704 1,471 22,605 SH   SOLE   0 22,605 0
Select Sector SPDR Materials ui 81369y100 5,791 110,497 SH   SOLE   0 110,497 0
Select Sector SPDR Tr Real Est ui 81369y860 735 23,271 SH   SOLE   0 23,271 0
Select Sector SPDR Tr Technolo ui 81369y803 3,453 64,770 SH   SOLE   0 64,770 0
Select Sector SPDR Utilities ui 81369y886 4,666 90,946 SH   SOLE   0 90,946 0
SPDR S&P 500 ETF Tr ui 78462f103 14,675 62,250 SH   SOLE   0 62,250 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 10,647 34,081 SH   SOLE   0 34,081 0
Vanguard Total Stock Mkt ui 922908769 8,933 73,632 SH   SOLE   0 73,632 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 4,278 40,652 SH   SOLE   0 40,652 0
iShares CMBS ETF uh 46429b366 7,587 148,089 SH   SOLE   0 148,089 0
iShares Ibnds Mar18 ETF uh 46432fag2 1,923 77,922 SH   SOLE   0 77,922 0
iShares Ibonds Dec21 ETF uh 46434vbk5 2,052 82,691 SH   SOLE   0 82,691 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,605 61,311 SH   SOLE   0 61,311 0
iShares Interm Cred Bond ETF uh 464288638 2,170 19,920 SH   SOLE   0 19,920 0
iShares Interm Term Gov/Cr ETF uh 464288612 9,637 87,455 SH   SOLE   0 87,455 0
iShares MBS ETF uh 464288588 1,438 13,500 SH   SOLE   0 13,500 0
iShares Sht Mat Bond ETF uh 46431w507 4,205 83,676 SH   SOLE   0 83,676 0
iShares Sht Mat Muni ETF uh 46431w838 7,765 155,641 SH   SOLE   0 155,641 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,468 47,000 SH   SOLE   0 47,000 0
Vanguard Short Term Bond uh 921937827 2,471 31,001 SH   SOLE   0 31,001 0
Vanguard Total Stock Index Adm ui 922908728 17,558 297,290 SH   SOLE   0 297,290 0