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 4,014 66,995 SH   SOLE   0 66,995 0
Allergan PLC cs g0177j108 1,661 9,872 SH   SOLE   0 9,872 0
Allstate Corp cs 020002101 4,597 48,497 SH   SOLE   0 48,497 0
American Electric Power Inc cs 025537101 573 8,352 SH   SOLE   0 8,352 0
American Energy Production Inc cs 025637208 0 40,804 SH   SOLE   0 40,804 0
American Express Co cs 025816109 443 4,750 SH   SOLE   0 4,750 0
Apple Inc cs 037833100 9,110 54,299 SH   SOLE   0 54,299 0
Aptiv PLC cs g6095l109 4,690 55,191 SH   SOLE   0 55,191 0
AT&T Inc cs 00206r102 4,769 133,766 SH   SOLE   0 133,766 0
Bank America Corp cs 060505104 1,558 51,942 SH   SOLE   0 51,942 0
Bank Montreal Que cs 063671101 495 6,548 SH   SOLE   0 6,548 0
Baxter Intl Inc cs 071813109 575 8,848 SH   SOLE   0 8,848 0
Becton Dickinson & Co cs 075887109 595 2,748 SH   SOLE   0 2,748 0
Biogen Inc cs 09062x103 1,629 5,947 SH   SOLE   0 5,947 0
Capital One Financial Corp cs 14040h105 2,002 20,897 SH   SOLE   0 20,897 0
Celgene Corp cs 151020104 1,906 21,365 SH   SOLE   0 21,365 0
Check Point Software Tech Ltd cs m22465104 7,623 76,740 SH   SOLE   0 76,740 0
Church & Dwight Inc cs 171340102 7,006 139,123 SH   SOLE   0 139,123 0
Cisco Systems Inc cs 17275r102 1,091 25,444 SH   SOLE   0 25,444 0
Colgate Palmolive Co cs 194162103 721 10,060 SH   SOLE   0 10,060 0
ConocoPhillips cs 20825c104 2,919 49,226 SH   SOLE   0 49,226 0
Danaher Corp cs 235851102 3,418 34,911 SH   SOLE   0 34,911 0
Deere & Co cs 244199105 456 2,934 SH   SOLE   0 2,934 0
Disney Walt Co Disney cs 254687106 7,219 71,875 SH   SOLE   0 71,875 0
DTE Energy Co cs 233331107 568 5,441 SH   SOLE   0 5,441 0
Exxon Mobil Corp cs 30231g102 2,325 31,168 SH   SOLE   0 31,168 0
Fifth Third Bancorp cs 316773100 736 23,190 SH   SOLE   0 23,190 0
First Republic Bank San Franci cs 33616c100 6,967 75,227 SH   SOLE   0 75,227 0
Fiserv Inc cs 337738108 9,322 130,728 SH   SOLE   0 130,728 0
Fortive Corp cs 34959j108 1,349 17,398 SH   SOLE   0 17,398 0
General Electric Co cs 369604103 223 16,521 SH   SOLE   0 16,521 0
Halliburton Co cs 406216101 2,787 59,381 SH   SOLE   0 59,381 0
Home Depot Inc cs 437076102 534 2,996 SH   SOLE   0 2,996 0
Intel Corp cs 458140100 1,426 27,384 SH   SOLE   0 27,384 0
Johnson & Johnson cs 478160104 838 6,540 SH   SOLE   0 6,540 0
JPMorgan Chase & Co cs 46625h100 1,287 11,705 SH   SOLE   0 11,705 0
Lowes Cos Inc cs 548661107 5,161 58,811 SH   SOLE   0 58,811 0
M & T Bank Corp cs 55261f104 757 4,105 SH   SOLE   0 4,105 0
McDonalds Corp cs 580135101 781 4,995 SH   SOLE   0 4,995 0
McKesson Corp cs 58155q103 1,352 9,599 SH   SOLE   0 9,599 0
Merck & Co Inc cs 58933y105 489 8,977 SH   SOLE   0 8,977 0
Microsoft Corp cs 594918104 1,275 13,969 SH   SOLE   0 13,969 0
NVIDIA Corp cs 67066g104 10,847 46,838 SH   SOLE   0 46,838 0
Pfizer Inc cs 717081103 1,338 37,695 SH   SOLE   0 37,695 0
Procter And Gamble Co cs 742718109 420 5,296 SH   SOLE   0 5,296 0
Quanta Services Inc cs 74762e102 1,988 57,885 SH   SOLE   0 57,885 0
Roper Technologies Inc cs 776696106 2,494 8,884 SH   SOLE   0 8,884 0
Schlumberger Ltd cs 806857108 201 3,106 SH   SOLE   0 3,106 0
Texas Instruments Inc cs 882508104 9,774 94,078 SH   SOLE   0 94,078 0
Travelers Companies Inc cs 89417e109 5,044 36,322 SH   SOLE   0 36,322 0
Trustco Bank Corp NY cs 898349105 506 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 7,816 58,140 SH   SOLE   0 58,140 0
United Technologies Corp cs 913017109 3,388 26,925 SH   SOLE   0 26,925 0
Unum Group cs 91529y106 2,355 49,469 SH   SOLE   0 49,469 0
Valero Energy Corp cs 91913y100 6,011 64,796 SH   SOLE   0 64,796 0
Walgreens Boots Alliance Inc cs 931427108 460 7,028 SH   SOLE   0 7,028 0
Yum Brands Inc cs 988498101 563 6,619 SH   SOLE   0 6,619 0
Yum China Holdings Inc cs 98850p109 313 7,554 SH   SOLE   0 7,554 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,393 30,862 SH   SOLE   0 30,862 0
British American Tobacco PLC S ad 110448107 345 5,976 SH   SOLE   0 5,976 0
Diageo PLC Sp ADR ad 25243q205 329 2,433 SH   SOLE   0 2,433 0
Novartis AG Sp ADR ad 66987v109 372 4,601 SH   SOLE   0 4,601 0
Unilever NV NY ad 904784709 699 12,402 SH   SOLE   0 12,402 0
iShares Core S & P Small Cap ui 464287804 5,826 75,654 SH   SOLE   0 75,654 0
iShares Russell 3000 ETF ui 464287689 777 4,971 SH   SOLE   0 4,971 0
iShares S&P 500 Growth ETF ui 464287309 8,858 57,122 SH   SOLE   0 57,122 0
iShares S&P 500 Val ETF ui 464287408 5,786 52,913 SH   SOLE   0 52,913 0
iShares S&P Mc 400Gr ETF ui 464287606 439 2,010 SH   SOLE   0 2,010 0
iShares S&P Mc 400VL ETF ui 464287705 293 1,894 SH   SOLE   0 1,894 0
iShares SP Smcp600gr ETF ui 464287887 226 1,298 SH   SOLE   0 1,298 0
Select Sector SPDR Cons Discre ui 81369y407 5,040 49,757 SH   SOLE   0 49,757 0
Select Sector SPDR Consumer St ui 81369y308 1,212 23,025 SH   SOLE   0 23,025 0
Select Sector SPDR Energy ui 81369y506 839 12,449 SH   SOLE   0 12,449 0
Select Sector SPDR Financial ui 81369y605 4,366 158,346 SH   SOLE   0 158,346 0
Select Sector SPDR Healthcare ui 81369y209 6,014 73,879 SH   SOLE   0 73,879 0
Select Sector SPDR Industrials ui 81369y704 1,538 20,700 SH   SOLE   0 20,700 0
Select Sector SPDR Materials ui 81369y100 6,161 108,202 SH   SOLE   0 108,202 0
Select Sector SPDR Tr Real Est ui 81369y860 627 20,165 SH   SOLE   0 20,165 0
Select Sector SPDR Tr Technolo ui 81369y803 3,928 60,050 SH   SOLE   0 60,050 0
Select Sector SPDR Utilities ui 81369y886 4,441 87,887 SH   SOLE   0 87,887 0
SPDR S&P 500 ETF Tr ui 78462f103 16,838 63,985 SH   SOLE   0 63,985 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 11,331 33,156 SH   SOLE   0 33,156 0
Vanguard Total Intl Stock F ui 921909768 15,398 272,289 SH   SOLE   0 272,289 0
Vanguard Total Stock Mkt ui 922908769 8,898 65,564 SH   SOLE   0 65,564 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 3,759 36,210 SH   SOLE   0 36,210 0
iShares CMBS ETF uh 46429b366 8,475 168,293 SH   SOLE   0 168,293 0
iShares Ibonds Dec21 ETF uh 46434vbk5 1,485 60,672 SH   SOLE   0 60,672 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,348 52,019 SH   SOLE   0 52,019 0
iShares Interm Cred Bond ETF uh 464288638 2,002 18,665 SH   SOLE   0 18,665 0
iShares Interm Term Gov/Cr ETF uh 464288612 10,645 98,311 SH   SOLE   0 98,311 0
iShares Sht Mat Bond ETF uh 46431w507 2,287 45,594 SH   SOLE   0 45,594 0
iShares Sht Mat Muni ETF uh 46431w838 6,330 127,373 SH   SOLE   0 127,373 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,862 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 2,261 28,820 SH   SOLE   0 28,820 0
Vanguard Tl Int Stock Index ui 921909818 1,504 49,646 SH   SOLE   0 49,646 0
Vanguard Total Stock Index Adm ui 922908728 17,239 260,994 SH   SOLE   0 260,994 0