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 2,983 61,369 SH   SOLE   0 61,369 0
Allergan PLC cs g0177j108 2,406 9,897 SH   SOLE   0 9,897 0
Allstate Corp cs 020002101 4,109 46,466 SH   SOLE   0 46,466 0
American Electric Power Inc cs 025537101 267 3,849 SH   SOLE   0 3,849 0
American Express Co cs 025816109 400 4,750 SH   SOLE   0 4,750 0
Apple Inc cs 037833100 7,999 55,543 SH   SOLE   0 55,543 0
AT&T Inc cs 00206r102 4,504 119,363 SH   SOLE   0 119,363 0
Bank Montreal Que cs 063671101 280 3,811 SH   SOLE   0 3,811 0
Becton Dickinson & Co cs 075887109 232 1,188 SH   SOLE   0 1,188 0
Biogen Inc cs 09062x103 1,617 5,960 SH   SOLE   0 5,960 0
Capital One Financial Corp cs 14040h105 1,739 21,052 SH   SOLE   0 21,052 0
Celgene Corp cs 151020104 2,786 21,451 SH   SOLE   0 21,451 0
Check Point Software Tech Ltd cs m22465104 8,422 77,209 SH   SOLE   0 77,209 0
Church & Dwight Inc cs 171340102 7,316 141,018 SH   SOLE   0 141,018 0
Cisco Systems Inc cs 17275r102 296 9,473 SH   SOLE   0 9,473 0
Coca-Cola Co cs 191216100 205 4,561 SH   SOLE   0 4,561 0
Colgate Palmolive Co cs 194162103 479 6,456 SH   SOLE   0 6,456 0
ConocoPhillips cs 20825c104 2,037 46,334 SH   SOLE   0 46,334 0
Danaher Corp cs 235851102 2,948 34,928 SH   SOLE   0 34,928 0
Deere & Co cs 244199105 203 1,643 SH   SOLE   0 1,643 0
Disney Walt Co Disney cs 254687106 7,685 72,329 SH   SOLE   0 72,329 0
DTE Energy Co cs 233331107 268 2,537 SH   SOLE   0 2,537 0
Exxon Mobil Corp cs 30231g102 2,523 31,254 SH   SOLE   0 31,254 0
Fifth Third Bancorp cs 316773100 372 14,324 SH   SOLE   0 14,324 0
First Republic Bank San Franci cs 33616c100 7,572 75,649 SH   SOLE   0 75,649 0
Fiserv Inc cs 337738108 8,003 65,419 SH   SOLE   0 65,419 0
Fortive Corp cs 34959j108 1,102 17,396 SH   SOLE   0 17,396 0
General Electric Co cs 369604103 500 18,504 SH   SOLE   0 18,504 0
Halliburton Co cs 406216101 2,574 60,272 SH   SOLE   0 60,272 0
Intel Corp cs 458140100 422 12,520 SH   SOLE   0 12,520 0
Intl Business Machines cs 459200101 216 1,403 SH   SOLE   0 1,403 0
Johnson & Johnson cs 478160104 930 7,030 SH   SOLE   0 7,030 0
JPMorgan Chase & Co cs 46625h100 670 7,326 SH   SOLE   0 7,326 0
Lowes Cos Inc cs 548661107 4,571 58,958 SH   SOLE   0 58,958 0
M & T Bank Corp cs 55261f104 362 2,233 SH   SOLE   0 2,233 0
McDonalds Corp cs 580135101 342 2,235 SH   SOLE   0 2,235 0
McKesson Corp cs 58155q103 1,632 9,917 SH   SOLE   0 9,917 0
Merck & Co Inc cs 58933y105 374 5,839 SH   SOLE   0 5,839 0
Microsoft Corp cs 594918104 621 9,004 SH   SOLE   0 9,004 0
Northrop Grumman Corp cs 666807102 391 1,523 SH   SOLE   0 1,523 0
NVIDIA Corp cs 67066g104 9,689 67,026 SH   SOLE   0 67,026 0
Oracle Corp cs 68389x105 212 4,233 SH   SOLE   0 4,233 0
Pfizer Inc cs 717081103 1,038 30,908 SH   SOLE   0 30,908 0
Procter And Gamble Co cs 742718109 262 3,010 SH   SOLE   0 3,010 0
Schlumberger Ltd cs 806857108 204 3,106 SH   SOLE   0 3,106 0
Scripps Networks Interact Inc cs 811065101 2,199 32,193 SH   SOLE   0 32,193 0
Target Corp cs 87612e106 297 5,673 SH   SOLE   0 5,673 0
Texas Instruments Inc cs 882508104 9,200 119,592 SH   SOLE   0 119,592 0
Travelers Companies Inc cs 89417e109 4,615 36,473 SH   SOLE   0 36,473 0
Trustco Bank Corp NY cs 898349105 464 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 6,125 56,242 SH   SOLE   0 56,242 0
United Technologies Corp cs 913017109 3,260 26,699 SH   SOLE   0 26,699 0
Unum Group cs 91529y106 2,318 49,710 SH   SOLE   0 49,710 0
Valero Energy Corp cs 91913y100 4,336 64,269 SH   SOLE   0 64,269 0
Verizon Communications Inc cs 92343v104 243 5,430 SH   SOLE   0 5,430 0
Walgreens Boots Alliance Inc cs 931427108 5,297 67,640 SH   SOLE   0 67,640 0
Yum Brands Inc cs 988498101 279 3,776 SH   SOLE   0 3,776 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,451 31,267 SH   SOLE   0 31,267 0
British American Tobacco PLC S ad 110448107 294 4,297 SH   SOLE   0 4,297 0
Novartis AG Sp ADR ad 66987v109 246 2,946 SH   SOLE   0 2,946 0
Unilever NV NY ad 904784709 307 5,562 SH   SOLE   0 5,562 0
iShares Core S & P Small Cap ui 464287804 5,403 77,062 SH   SOLE   0 77,062 0
iShares MSCI ACWI ex-US Index ui 464288240 228 4,994 SH   SOLE   0 4,994 0
iShares Russell 3000 ETF ui 464287689 741 5,142 SH   SOLE   0 5,142 0
iShares S&P 500 Growth ETF ui 464287309 8,146 59,522 SH   SOLE   0 59,522 0
iShares S&P 500 Val ETF ui 464287408 5,421 51,648 SH   SOLE   0 51,648 0
iShares S&P Mc 400Gr ETF ui 464287606 546 2,775 SH   SOLE   0 2,775 0
iShares S&P Mc 400VL ETF ui 464287705 391 2,629 SH   SOLE   0 2,629 0
iShares SP Smcp600gr ETF ui 464287887 259 1,663 SH   SOLE   0 1,663 0
Select Sector SPDR Cons Discre ui 81369y407 1,787 19,935 SH   SOLE   0 19,935 0
Select Sector SPDR Consumer St ui 81369y308 1,320 24,020 SH   SOLE   0 24,020 0
Select Sector SPDR Energy ui 81369y506 838 12,914 SH   SOLE   0 12,914 0
Select Sector SPDR Financial ui 81369y605 4,022 163,033 SH   SOLE   0 163,033 0
Select Sector SPDR Healthcare ui 81369y209 6,026 76,042 SH   SOLE   0 76,042 0
Select Sector SPDR Industrials ui 81369y704 1,471 21,600 SH   SOLE   0 21,600 0
Select Sector SPDR Materials ui 81369y100 5,872 109,132 SH   SOLE   0 109,132 0
Select Sector SPDR Tr Real Est ui 81369y860 647 20,097 SH   SOLE   0 20,097 0
Select Sector SPDR Tr Technolo ui 81369y803 3,436 62,800 SH   SOLE   0 62,800 0
Select Sector SPDR Utilities ui 81369y886 4,654 89,570 SH   SOLE   0 89,570 0
SPDR S&P 500 ETF Tr ui 78462f103 15,421 63,777 SH   SOLE   0 63,777 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 10,781 33,942 SH   SOLE   0 33,942 0
Vanguard Total Intl Stock F ui 921909768 14,131 271,905 SH   SOLE   0 271,905 0
Vanguard Total Stock Mkt ui 922908769 8,936 71,801 SH   SOLE   0 71,801 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 4,143 39,343 SH   SOLE   0 39,343 0
iShares CMBS ETF uh 46429b366 9,010 175,290 SH   SOLE   0 175,290 0
iShares Ibnds Mar18 ETF uh 46432fag2 1,869 75,804 SH   SOLE   0 75,804 0
iShares Ibonds Dec21 ETF uh 46434vbk5 1,940 77,642 SH   SOLE   0 77,642 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,433 54,622 SH   SOLE   0 54,622 0
iShares Interm Cred Bond ETF uh 464288638 2,069 18,850 SH   SOLE   0 18,850 0
iShares Interm Term Gov/Cr ETF uh 464288612 9,737 87,971 SH   SOLE   0 87,971 0
iShares Sht Mat Bond ETF uh 46431w507 4,734 94,169 SH   SOLE   0 94,169 0
iShares Sht Mat Muni ETF uh 46431w838 7,383 147,667 SH   SOLE   0 147,667 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,921 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 2,450 30,687 SH   SOLE   0 30,687 0
Vanguard Tl Int Stock Index ui 921909818 370 13,272 SH   SOLE   0 13,272 0
Vanguard Total Stock Index Adm ui 922908728 18,090 298,660 SH   SOLE   0 298,660 0