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 3,607 67,598 SH   SOLE   0 67,598 0
Allergan PLC cs g0177j108 2,054 10,022 SH   SOLE   0 10,022 0
Allstate Corp cs 020002101 4,498 48,942 SH   SOLE   0 48,942 0
American Electric Power Inc cs 025537101 582 8,285 SH   SOLE   0 8,285 0
American Express Co cs 025816109 430 4,750 SH   SOLE   0 4,750 0
Apple Inc cs 037833100 8,412 54,584 SH   SOLE   0 54,584 0
AT&T Inc cs 00206r102 5,252 134,073 SH   SOLE   0 134,073 0
Bank Montreal Que cs 063671101 495 6,537 SH   SOLE   0 6,537 0
Baxter Intl Inc cs 071813109 552 8,794 SH   SOLE   0 8,794 0
Becton Dickinson & Co cs 075887109 513 2,618 SH   SOLE   0 2,618 0
Biogen Inc cs 09062x103 1,877 5,995 SH   SOLE   0 5,995 0
Capital One Financial Corp cs 14040h105 1,787 21,112 SH   SOLE   0 21,112 0
Celgene Corp cs 151020104 3,135 21,496 SH   SOLE   0 21,496 0
Check Point Software Tech Ltd cs m22465104 8,816 77,319 SH   SOLE   0 77,319 0
Church & Dwight Inc cs 171340102 6,793 140,213 SH   SOLE   0 140,213 0
Cisco Systems Inc cs 17275r102 817 24,283 SH   SOLE   0 24,283 0
Coca-Cola Co cs 191216100 205 4,561 SH   SOLE   0 4,561 0
Colgate Palmolive Co cs 194162103 754 10,355 SH   SOLE   0 10,355 0
ConocoPhillips cs 20825c104 2,554 51,030 SH   SOLE   0 51,030 0
Danaher Corp cs 235851102 3,027 35,289 SH   SOLE   0 35,289 0
Deere & Co cs 244199105 366 2,914 SH   SOLE   0 2,914 0
Disney Walt Co Disney cs 254687106 7,173 72,768 SH   SOLE   0 72,768 0
DTE Energy Co cs 233331107 578 5,386 SH   SOLE   0 5,386 0
Exxon Mobil Corp cs 30231g102 2,641 32,220 SH   SOLE   0 32,220 0
Fifth Third Bancorp cs 316773100 644 23,014 SH   SOLE   0 23,014 0
First Republic Bank San Franci cs 33616c100 7,927 75,882 SH   SOLE   0 75,882 0
Fiserv Inc cs 337738108 8,480 65,754 SH   SOLE   0 65,754 0
Fortive Corp cs 34959j108 1,242 17,549 SH   SOLE   0 17,549 0
General Electric Co cs 369604103 490 20,270 SH   SOLE   0 20,270 0
Halliburton Co cs 406216101 2,795 60,727 SH   SOLE   0 60,727 0
Home Depot Inc cs 437076102 486 2,974 SH   SOLE   0 2,974 0
Intel Corp cs 458140100 997 26,193 SH   SOLE   0 26,193 0
Intl Business Machines cs 459200101 204 1,403 SH   SOLE   0 1,403 0
Johnson & Johnson cs 478160104 914 7,030 SH   SOLE   0 7,030 0
JPMorgan Chase & Co cs 46625h100 1,113 11,653 SH   SOLE   0 11,653 0
Lowes Cos Inc cs 548661107 4,744 59,350 SH   SOLE   0 59,350 0
M & T Bank Corp cs 55261f104 656 4,075 SH   SOLE   0 4,075 0
McDonalds Corp cs 580135101 779 4,969 SH   SOLE   0 4,969 0
McKesson Corp cs 58155q103 1,529 9,957 SH   SOLE   0 9,957 0
Merck & Co Inc cs 58933y105 570 8,905 SH   SOLE   0 8,905 0
Microsoft Corp cs 594918104 1,033 13,867 SH   SOLE   0 13,867 0
Northrop Grumman Corp cs 666807102 750 2,607 SH   SOLE   0 2,607 0
NVIDIA Corp cs 67066g104 11,710 65,503 SH   SOLE   0 65,503 0
Pfizer Inc cs 717081103 1,358 38,045 SH   SOLE   0 38,045 0
Procter And Gamble Co cs 742718109 507 5,568 SH   SOLE   0 5,568 0
Texas Instruments Inc cs 882508104 11,172 124,634 SH   SOLE   0 124,634 0
Travelers Companies Inc cs 89417e109 4,486 36,612 SH   SOLE   0 36,612 0
Trustco Bank Corp NY cs 898349105 533 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 6,801 58,646 SH   SOLE   0 58,646 0
United Technologies Corp cs 913017109 3,140 27,050 SH   SOLE   0 27,050 0
Unum Group cs 91529y106 2,559 50,040 SH   SOLE   0 50,040 0
Valero Energy Corp cs 91913y100 5,033 65,418 SH   SOLE   0 65,418 0
Walgreens Boots Alliance Inc cs 931427108 5,438 70,417 SH   SOLE   0 70,417 0
Yum Brands Inc cs 988498101 470 6,382 SH   SOLE   0 6,382 0
Yum China Holdings Inc cs 98850p109 298 7,458 SH   SOLE   0 7,458 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,707 31,071 SH   SOLE   0 31,071 0
British American Tobacco PLC S ad 110448107 363 5,815 SH   SOLE   0 5,815 0
Diageo PLC Sp ADR ad 25243q205 331 2,508 SH   SOLE   0 2,508 0
Novartis AG Sp ADR ad 66987v109 404 4,701 SH   SOLE   0 4,701 0
Unilever NV NY ad 904784709 726 12,288 SH   SOLE   0 12,288 0
iShares Core S & P Small Cap ui 464287804 5,735 77,266 SH   SOLE   0 77,266 0
iShares Russell 3000 ETF ui 464287689 740 4,958 SH   SOLE   0 4,958 0
iShares S&P 500 Growth ETF ui 464287309 8,337 58,132 SH   SOLE   0 58,132 0
iShares S&P 500 Val ETF ui 464287408 5,467 50,663 SH   SOLE   0 50,663 0
iShares S&P Mc 400Gr ETF ui 464287606 550 2,720 SH   SOLE   0 2,720 0
iShares S&P Mc 400VL ETF ui 464287705 395 2,589 SH   SOLE   0 2,589 0
iShares SP Smcp600gr ETF ui 464287887 267 1,623 SH   SOLE   0 1,623 0
Select Sector SPDR Cons Discre ui 81369y407 4,608 51,152 SH   SOLE   0 51,152 0
Select Sector SPDR Consumer St ui 81369y308 1,297 24,020 SH   SOLE   0 24,020 0
Select Sector SPDR Energy ui 81369y506 884 12,914 SH   SOLE   0 12,914 0
Select Sector SPDR Financial ui 81369y605 4,217 163,072 SH   SOLE   0 163,072 0
Select Sector SPDR Healthcare ui 81369y209 6,205 75,926 SH   SOLE   0 75,926 0
Select Sector SPDR Industrials ui 81369y704 1,534 21,600 SH   SOLE   0 21,600 0
Select Sector SPDR Materials ui 81369y100 6,225 109,598 SH   SOLE   0 109,598 0
Select Sector SPDR Tr Real Est ui 81369y860 648 20,107 SH   SOLE   0 20,107 0
Select Sector SPDR Tr Technolo ui 81369y803 3,711 62,800 SH   SOLE   0 62,800 0
Select Sector SPDR Utilities ui 81369y886 4,761 89,749 SH   SOLE   0 89,749 0
SPDR S&P 500 ETF Tr ui 78462f103 16,099 64,080 SH   SOLE   0 64,080 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 11,057 33,883 SH   SOLE   0 33,883 0
Vanguard Total Intl Stock F ui 921909768 15,081 275,545 SH   SOLE   0 275,545 0
Vanguard Total Stock Mkt ui 922908769 9,187 70,934 SH   SOLE   0 70,934 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 4,081 38,741 SH   SOLE   0 38,741 0
iShares CMBS ETF uh 46429b366 9,047 175,493 SH   SOLE   0 175,493 0
iShares Ibnds Mar18 ETF uh 46432fag2 1,841 74,726 SH   SOLE   0 74,726 0
iShares Ibonds Dec21 ETF uh 46434vbk5 1,586 63,305 SH   SOLE   0 63,305 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,435 54,634 SH   SOLE   0 54,634 0
iShares Interm Cred Bond ETF uh 464288638 2,077 18,850 SH   SOLE   0 18,850 0
iShares Interm Term Gov/Cr ETF uh 464288612 9,301 83,871 SH   SOLE   0 83,871 0
iShares Sht Mat Bond ETF uh 46431w507 4,028 80,104 SH   SOLE   0 80,104 0
iShares Sht Mat Muni ETF uh 46431w838 6,920 138,045 SH   SOLE   0 138,045 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,928 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 2,398 30,043 SH   SOLE   0 30,043 0
Vanguard Tl Int Stock Index ui 921909818 1,766 60,096 SH   SOLE   0 60,096 0
Vanguard Total Stock Index Adm ui 922908728 17,535 278,106 SH   SOLE   0 278,106 0