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 3,844 67,349 SH   SOLE   0 67,349 0
Allergan PLC cs g0177j108 1,629 9,956 SH   SOLE   0 9,956 0
Allstate Corp cs 020002101 5,119 48,887 SH   SOLE   0 48,887 0
American Electric Power Inc cs 025537101 612 8,319 SH   SOLE   0 8,319 0
American Express Co cs 025816109 472 4,750 SH   SOLE   0 4,750 0
Apple Inc cs 037833100 9,196 54,343 SH   SOLE   0 54,343 0
AT&T Inc cs 00206r102 5,234 134,619 SH   SOLE   0 134,619 0
Bank Montreal Que cs 063671101 527 6,582 SH   SOLE   0 6,582 0
Baxter Intl Inc cs 071813109 571 8,838 SH   SOLE   0 8,838 0
Becton Dickinson & Co cs 075887109 563 2,632 SH   SOLE   0 2,632 0
Biogen Inc cs 09062x103 1,914 6,007 SH   SOLE   0 6,007 0
Capital One Financial Corp cs 14040h105 2,099 21,082 SH   SOLE   0 21,082 0
Celgene Corp cs 151020104 2,244 21,500 SH   SOLE   0 21,500 0
Check Point Software Tech Ltd cs m22465104 8,002 77,220 SH   SOLE   0 77,220 0
Church & Dwight Inc cs 171340102 7,026 140,035 SH   SOLE   0 140,035 0
Cisco Systems Inc cs 17275r102 924 24,137 SH   SOLE   0 24,137 0
Coca-Cola Co cs 191216100 208 4,523 SH   SOLE   0 4,523 0
Colgate Palmolive Co cs 194162103 784 10,395 SH   SOLE   0 10,395 0
ConocoPhillips cs 20825c104 2,747 50,041 SH   SOLE   0 50,041 0
Danaher Corp cs 235851102 3,267 35,195 SH   SOLE   0 35,195 0
Deere & Co cs 244199105 458 2,929 SH   SOLE   0 2,929 0
Disney Walt Co Disney cs 254687106 7,786 72,420 SH   SOLE   0 72,420 0
DTE Energy Co cs 233331107 594 5,422 SH   SOLE   0 5,422 0
Exxon Mobil Corp cs 30231g102 2,654 31,734 SH   SOLE   0 31,734 0
Fifth Third Bancorp cs 316773100 702 23,144 SH   SOLE   0 23,144 0
First Republic Bank San Franci cs 33616c100 6,566 75,784 SH   SOLE   0 75,784 0
Fiserv Inc cs 337738108 8,623 65,759 SH   SOLE   0 65,759 0
Fortive Corp cs 34959j108 1,269 17,543 SH   SOLE   0 17,543 0
General Electric Co cs 369604103 330 18,934 SH   SOLE   0 18,934 0
Halliburton Co cs 406216101 2,954 60,451 SH   SOLE   0 60,451 0
Home Depot Inc cs 437076102 567 2,989 SH   SOLE   0 2,989 0
Intel Corp cs 458140100 1,208 26,161 SH   SOLE   0 26,161 0
Johnson & Johnson cs 478160104 914 6,540 SH   SOLE   0 6,540 0
JPMorgan Chase & Co cs 46625h100 1,251 11,694 SH   SOLE   0 11,694 0
Lowes Cos Inc cs 548661107 5,511 59,291 SH   SOLE   0 59,291 0
M & T Bank Corp cs 55261f104 701 4,098 SH   SOLE   0 4,098 0
McDonalds Corp cs 580135101 857 4,982 SH   SOLE   0 4,982 0
McKesson Corp cs 58155q103 1,506 9,654 SH   SOLE   0 9,654 0
Merck & Co Inc cs 58933y105 504 8,951 SH   SOLE   0 8,951 0
Microsoft Corp cs 594918104 1,192 13,936 SH   SOLE   0 13,936 0
Northrop Grumman Corp cs 666807102 804 2,621 SH   SOLE   0 2,621 0
NVIDIA Corp cs 67066g104 12,624 65,242 SH   SOLE   0 65,242 0
PepsiCo Inc cs 713448108 207 1,728 SH   SOLE   0 1,728 0
Pfizer Inc cs 717081103 1,359 37,529 SH   SOLE   0 37,529 0
Procter And Gamble Co cs 742718109 512 5,576 SH   SOLE   0 5,576 0
Schlumberger Ltd cs 806857108 209 3,106 SH   SOLE   0 3,106 0
Texas Instruments Inc cs 882508104 13,005 124,518 SH   SOLE   0 124,518 0
Travelers Companies Inc cs 89417e109 4,961 36,573 SH   SOLE   0 36,573 0
Trustco Bank Corp NY cs 898349105 551 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 7,849 58,534 SH   SOLE   0 58,534 0
United Technologies Corp cs 913017109 3,453 27,066 SH   SOLE   0 27,066 0
Unum Group cs 91529y106 2,741 49,929 SH   SOLE   0 49,929 0
Valero Energy Corp cs 91913y100 5,990 65,168 SH   SOLE   0 65,168 0
Walgreens Boots Alliance Inc cs 931427108 4,918 67,717 SH   SOLE   0 67,717 0
Yum Brands Inc cs 988498101 524 6,417 SH   SOLE   0 6,417 0
Yum China Holdings Inc cs 98850p109 300 7,496 SH   SOLE   0 7,496 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,466 31,072 SH   SOLE   0 31,072 0
British American Tobacco PLC S ad 110448107 399 5,952 SH   SOLE   0 5,952 0
Diageo PLC Sp ADR ad 25243q205 370 2,533 SH   SOLE   0 2,533 0
Novartis AG Sp ADR ad 66987v109 395 4,699 SH   SOLE   0 4,699 0
Unilever NV NY ad 904784709 696 12,364 SH   SOLE   0 12,364 0
iShares Core S & P Small Cap ui 464287804 5,887 76,650 SH   SOLE   0 76,650 0
iShares Russell 3000 ETF ui 464287689 784 4,959 SH   SOLE   0 4,959 0
iShares S&P 500 Growth ETF ui 464287309 8,709 57,007 SH   SOLE   0 57,007 0
iShares S&P 500 Val ETF ui 464287408 5,732 50,178 SH   SOLE   0 50,178 0
iShares S&P Mc 400Gr ETF ui 464287606 583 2,700 SH   SOLE   0 2,700 0
iShares S&P Mc 400VL ETF ui 464287705 415 2,589 SH   SOLE   0 2,589 0
iShares SP Smcp600gr ETF ui 464287887 273 1,603 SH   SOLE   0 1,603 0
Select Sector SPDR Cons Discre ui 81369y407 4,949 50,145 SH   SOLE   0 50,145 0
Select Sector SPDR Consumer St ui 81369y308 1,308 23,000 SH   SOLE   0 23,000 0
Select Sector SPDR Energy ui 81369y506 805 11,144 SH   SOLE   0 11,144 0
Select Sector SPDR Financial ui 81369y605 4,451 159,466 SH   SOLE   0 159,466 0
Select Sector SPDR Healthcare ui 81369y209 6,178 74,726 SH   SOLE   0 74,726 0
Select Sector SPDR Industrials ui 81369y704 1,565 20,680 SH   SOLE   0 20,680 0
Select Sector SPDR Materials ui 81369y100 6,612 109,239 SH   SOLE   0 109,239 0
Select Sector SPDR Tr Real Est ui 81369y860 648 19,686 SH   SOLE   0 19,686 0
Select Sector SPDR Tr Technolo ui 81369y803 3,855 60,285 SH   SOLE   0 60,285 0
Select Sector SPDR Utilities ui 81369y886 4,706 89,323 SH   SOLE   0 89,323 0
SPDR S&P 500 ETF Tr ui 78462f103 16,746 62,753 SH   SOLE   0 62,753 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 11,583 33,534 SH   SOLE   0 33,534 0
Vanguard Total Intl Stock F ui 921909768 15,591 274,437 SH   SOLE   0 274,437 0
Vanguard Total Stock Mkt ui 922908769 9,432 68,718 SH   SOLE   0 68,718 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 3,815 36,495 SH   SOLE   0 36,495 0
iShares CMBS ETF uh 46429b366 8,718 170,034 SH   SOLE   0 170,034 0
iShares Ibnds Mar18 ETF uh 46432fag2 1,821 74,008 SH   SOLE   0 74,008 0
iShares Ibonds Dec21 ETF uh 46434vbk5 1,534 61,856 SH   SOLE   0 61,856 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,386 53,153 SH   SOLE   0 53,153 0
iShares Interm Cred Bond ETF uh 464288638 2,038 18,665 SH   SOLE   0 18,665 0
iShares Interm Term Gov/Cr ETF uh 464288612 9,910 90,285 SH   SOLE   0 90,285 0
iShares Sht Mat Bond ETF uh 46431w507 2,289 45,664 SH   SOLE   0 45,664 0
iShares Sht Mat Muni ETF uh 46431w838 6,653 133,548 SH   SOLE   0 133,548 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,909 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 2,344 29,634 SH   SOLE   0 29,634 0
Vanguard Tl Int Stock Index ui 921909818 1,771 58,011 SH   SOLE   0 58,011 0
Vanguard Total Stock Index Adm ui 922908728 17,926 268,678 SH   SOLE   0 268,678 0