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 4,250 69,678 SH   SOLE   0 69,678 0
Allergan PLC cs g0177j108 1,683 10,098 SH   SOLE   0 10,098 0
Allstate Corp cs 020002101 4,581 50,193 SH   SOLE   0 50,193 0
American Electric Power Inc cs 025537101 649 9,365 SH   SOLE   0 9,365 0
American Express Co cs 025816109 389 3,965 SH   SOLE   0 3,965 0
Apple Inc cs 037833100 10,231 55,267 SH   SOLE   0 55,267 0
Aptiv PLC cs g6095l109 5,107 55,733 SH   SOLE   0 55,733 0
AT&T Inc cs 00206r102 4,386 136,596 SH   SOLE   0 136,596 0
Bank America Corp cs 060505104 1,493 52,966 SH   SOLE   0 52,966 0
Bank Montreal Que cs 063671101 566 7,330 SH   SOLE   0 7,330 0
Baxter Intl Inc cs 071813109 738 9,989 SH   SOLE   0 9,989 0
Becton Dickinson & Co cs 075887109 754 3,148 SH   SOLE   0 3,148 0
Biogen Inc cs 09062x103 1,768 6,092 SH   SOLE   0 6,092 0
Capital One Financial Corp cs 14040h105 1,953 21,248 SH   SOLE   0 21,248 0
Celgene Corp cs 151020104 1,727 21,750 SH   SOLE   0 21,750 0
Check Point Software Tech Ltd cs m22465104 7,543 77,225 SH   SOLE   0 77,225 0
Church & Dwight Inc cs 171340102 7,448 140,099 SH   SOLE   0 140,099 0
Cisco Systems Inc cs 17275r102 1,224 28,443 SH   SOLE   0 28,443 0
Colgate Palmolive Co cs 194162103 704 10,861 SH   SOLE   0 10,861 0
ConocoPhillips cs 20825c104 3,538 50,815 SH   SOLE   0 50,815 0
Danaher Corp cs 235851102 3,557 36,047 SH   SOLE   0 36,047 0
Deere & Co cs 244199105 461 3,300 SH   SOLE   0 3,300 0
Disney Walt Co Disney cs 254687106 7,637 72,866 SH   SOLE   0 72,866 0
DTE Energy Co cs 233331107 632 6,099 SH   SOLE   0 6,099 0
Exxon Mobil Corp cs 30231g102 2,634 31,842 SH   SOLE   0 31,842 0
Fifth Third Bancorp cs 316773100 742 25,858 SH   SOLE   0 25,858 0
First Republic Bank San Franci cs 33616c100 7,387 76,316 SH   SOLE   0 76,316 0
Fiserv Inc cs 337738108 9,833 132,723 SH   SOLE   0 132,723 0
Fortive Corp cs 34959j108 1,386 17,969 SH   SOLE   0 17,969 0
General Electric Co cs 369604103 249 18,274 SH   SOLE   0 18,274 0
Halliburton Co cs 406216101 2,690 59,701 SH   SOLE   0 59,701 0
Home Depot Inc cs 437076102 647 3,318 SH   SOLE   0 3,318 0
Intel Corp cs 458140100 1,497 30,106 SH   SOLE   0 30,106 0
Johnson & Johnson cs 478160104 794 6,540 SH   SOLE   0 6,540 0
JPMorgan Chase & Co cs 46625h100 1,350 12,960 SH   SOLE   0 12,960 0
Lowes Cos Inc cs 548661107 5,678 59,414 SH   SOLE   0 59,414 0
M & T Bank Corp cs 55261f104 835 4,907 SH   SOLE   0 4,907 0
McDonalds Corp cs 580135101 878 5,602 SH   SOLE   0 5,602 0
McKesson Corp cs 58155q103 1,299 9,735 SH   SOLE   0 9,735 0
Merck & Co Inc cs 58933y105 591 9,740 SH   SOLE   0 9,740 0
Microsoft Corp cs 594918104 1,528 15,500 SH   SOLE   0 15,500 0
Northrop Grumman Corp cs 666807102 924 3,001 SH   SOLE   0 3,001 0
NVIDIA Corp cs 67066g104 11,123 46,954 SH   SOLE   0 46,954 0
Pfizer Inc cs 717081103 1,425 39,284 SH   SOLE   0 39,284 0
Procter And Gamble Co cs 742718109 456 5,837 SH   SOLE   0 5,837 0
Quanta Services Inc cs 74762e102 1,962 58,755 SH   SOLE   0 58,755 0
Roper Technologies Inc cs 776696106 2,480 8,989 SH   SOLE   0 8,989 0
Texas Instruments Inc cs 882508104 10,619 96,319 SH   SOLE   0 96,319 0
Travelers Companies Inc cs 89417e109 4,479 36,614 SH   SOLE   0 36,614 0
Trustco Bank Corp NY cs 898349105 533 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 8,356 58,980 SH   SOLE   0 58,980 0
United Technologies Corp cs 913017109 3,411 27,282 SH   SOLE   0 27,282 0
Unum Group cs 91529y106 1,866 50,443 SH   SOLE   0 50,443 0
Valero Energy Corp cs 91913y100 7,268 65,579 SH   SOLE   0 65,579 0
Walgreens Boots Alliance Inc cs 931427108 468 7,801 SH   SOLE   0 7,801 0
Yum Brands Inc cs 988498101 563 7,204 SH   SOLE   0 7,204 0
Yum China Holdings Inc cs 98850p109 327 8,489 SH   SOLE   0 8,489 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 3,079 30,561 SH   SOLE   0 30,561 0
British American Tobacco PLC S ad 110448107 328 6,499 SH   SOLE   0 6,499 0
Diageo PLC Sp ADR ad 25243q205 389 2,704 SH   SOLE   0 2,704 0
Novartis AG Sp ADR ad 66987v109 390 5,166 SH   SOLE   0 5,166 0
Unilever NV NY ad 904784709 772 13,860 SH   SOLE   0 13,860 0
iShares Core S & P Small Cap ui 464287804 6,563 78,642 SH   SOLE   0 78,642 0
iShares Russell 3000 ETF ui 464287689 807 4,971 SH   SOLE   0 4,971 0
iShares S&P 500 Growth ETF ui 464287309 11,703 71,972 SH   SOLE   0 71,972 0
iShares S&P 500 Val ETF ui 464287408 8,329 75,628 SH   SOLE   0 75,628 0
iShares S&P Mc 400Gr ETF ui 464287606 750 3,335 SH   SOLE   0 3,335 0
iShares S&P Mc 400VL ETF ui 464287705 564 3,479 SH   SOLE   0 3,479 0
iShares SP Smcp600gr ETF ui 464287887 356 1,883 SH   SOLE   0 1,883 0
iShares SP Smcp600vl ETF ui 464287879 257 1,572 SH   SOLE   0 1,572 0
Select Sector SPDR Cons Discre ui 81369y407 5,477 50,109 SH   SOLE   0 50,109 0
Select Sector SPDR Consumer St ui 81369y308 1,186 23,025 SH   SOLE   0 23,025 0
Select Sector SPDR Energy ui 81369y506 945 12,449 SH   SOLE   0 12,449 0
Select Sector SPDR Financial ui 81369y605 4,198 157,879 SH   SOLE   0 157,879 0
Select Sector SPDR Healthcare ui 81369y209 6,170 73,925 SH   SOLE   0 73,925 0
Select Sector SPDR Industrials ui 81369y704 1,483 20,700 SH   SOLE   0 20,700 0
Select Sector SPDR Materials ui 81369y100 6,340 109,177 SH   SOLE   0 109,177 0
Select Sector SPDR Tr Real Est ui 81369y860 659 20,156 SH   SOLE   0 20,156 0
Select Sector SPDR Tr Technolo ui 81369y803 4,172 60,050 SH   SOLE   0 60,050 0
Select Sector SPDR Utilities ui 81369y886 4,633 89,171 SH   SOLE   0 89,171 0
SPDR S&P 500 ETF Tr ui 78462f103 17,014 62,716 SH   SOLE   0 62,716 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 11,877 33,453 SH   SOLE   0 33,453 0
Vanguard Total Intl Stock F ui 921909768 15,474 286,019 SH   SOLE   0 286,019 0
Vanguard Total Stock Mkt ui 922908769 9,014 64,188 SH   SOLE   0 64,188 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 3,289 31,715 SH   SOLE   0 31,715 0
iShares CMBS ETF uh 46429b366 7,483 149,359 SH   SOLE   0 149,359 0
iShares Ibonds Dec21 ETF uh 46434vbk5 1,236 50,721 SH   SOLE   0 50,721 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,159 44,787 SH   SOLE   0 44,787 0
iShares Interm Cred Bond ETF uh 464288638 1,481 13,940 SH   SOLE   0 13,940 0
iShares Interm Term Gov/Cr ETF uh 464288612 7,400 68,675 SH   SOLE   0 68,675 0
iShares Sht Mat Bond ETF uh 46431w507 1,925 38,361 SH   SOLE   0 38,361 0
iShares Sht Mat Muni ETF uh 46431w838 4,859 97,242 SH   SOLE   0 97,242 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,852 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 1,666 21,301 SH   SOLE   0 21,301 0
Vanguard Tl Int Stock Index ui 921909818 1,611 55,514 SH   SOLE   0 55,514 0
Vanguard Total Stock Index Adm ui 922908728 18,113 265,048 SH   SOLE   0 265,048 0