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 5,055 69,882 SH   SOLE   0 69,882 0
Allstate Corp cs 020002101 4,136 50,058 SH   SOLE   0 50,058 0
American Electric Power Inc cs 025537101 706 9,447 SH   SOLE   0 9,447 0
American Express Co cs 025816109 378 3,965 SH   SOLE   0 3,965 0
Apple Inc cs 037833100 7,233 45,856 SH   SOLE   0 45,856 0
AT&T Inc cs 00206r102 3,864 135,392 SH   SOLE   0 135,392 0
Bank Montreal Que cs 063671101 483 7,392 SH   SOLE   0 7,392 0
Baxter Intl Inc cs 071813109 664 10,096 SH   SOLE   0 10,096 0
Becton Dickinson & Co cs 075887109 721 3,200 SH   SOLE   0 3,200 0
Capital One Financial Corp cs 14040h105 1,595 21,105 SH   SOLE   0 21,105 0
Check Point Software Tech Ltd cs m22465104 6,069 59,124 SH   SOLE   0 59,124 0
Church & Dwight Inc cs 171340102 9,141 138,999 SH   SOLE   0 138,999 0
Cisco Systems Inc cs 17275r102 1,249 28,817 SH   SOLE   0 28,817 0
Colgate Palmolive Co cs 194162103 652 10,961 SH   SOLE   0 10,961 0
ConocoPhillips cs 20825c104 3,210 51,476 SH   SOLE   0 51,476 0
CVS Health Corp cs 126650100 4,000 61,052 SH   SOLE   0 61,052 0
Danaher Corp cs 235851102 3,725 36,125 SH   SOLE   0 36,125 0
Deere & Co cs 244199105 497 3,335 SH   SOLE   0 3,335 0
Disney Walt Co Disney cs 254687106 7,982 72,793 SH   SOLE   0 72,793 0
DTE Energy Co cs 233331107 682 6,179 SH   SOLE   0 6,179 0
Exxon Mobil Corp cs 30231g102 2,170 31,818 SH   SOLE   0 31,818 0
Fifth Third Bancorp cs 316773100 616 26,167 SH   SOLE   0 26,167 0
First Republic Bank San Franci cs 33616c100 6,636 76,368 SH   SOLE   0 76,368 0
Fiserv Inc cs 337738108 7,890 107,359 SH   SOLE   0 107,359 0
Fortive Corp cs 34959j108 1,222 18,059 SH   SOLE   0 18,059 0
Home Depot Inc cs 437076102 585 3,407 SH   SOLE   0 3,407 0
Intel Corp cs 458140100 1,434 30,566 SH   SOLE   0 30,566 0
Johnson & Johnson cs 478160104 852 6,604 SH   SOLE   0 6,604 0
JPMorgan Chase & Co cs 46625h100 1,320 13,524 SH   SOLE   0 13,524 0
Lowes Cos Inc cs 548661107 5,459 59,110 SH   SOLE   0 59,110 0
M & T Bank Corp cs 55261f104 710 4,962 SH   SOLE   0 4,962 0
McDonalds Corp cs 580135101 1,015 5,717 SH   SOLE   0 5,717 0
Merck & Co Inc cs 58933y105 752 9,844 SH   SOLE   0 9,844 0
Microsoft Corp cs 594918104 1,616 15,914 SH   SOLE   0 15,914 0
Northrop Grumman Corp cs 666807102 755 3,082 SH   SOLE   0 3,082 0
NVIDIA Corp cs 67066g104 4,995 37,419 SH   SOLE   0 37,419 0
Pfizer Inc cs 717081103 1,706 39,075 SH   SOLE   0 39,075 0
Procter And Gamble Co cs 742718109 534 5,806 SH   SOLE   0 5,806 0
Roper Technologies Inc cs 776696106 2,389 8,964 SH   SOLE   0 8,964 0
Texas Instruments Inc cs 882508104 7,113 75,268 SH   SOLE   0 75,268 0
Travelers Companies Inc cs 89417e109 4,393 36,687 SH   SOLE   0 36,687 0
Trustco Bank Corp NY cs 898349105 411 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 8,108 58,658 SH   SOLE   0 58,658 0
United Technologies Corp cs 913017109 2,914 27,363 SH   SOLE   0 27,363 0
Valero Energy Corp cs 91913y100 4,958 66,128 SH   SOLE   0 66,128 0
Wal-Mart Stores Inc cs 931142103 3,007 32,285 SH   SOLE   0 32,285 0
Yum Brands Inc cs 988498101 672 7,306 SH   SOLE   0 7,306 0
Yum China Holdings Inc cs 98850p109 288 8,587 SH   SOLE   0 8,587 0
Diageo PLC Sp ADR ad 25243q205 389 2,742 SH   SOLE   0 2,742 0
Novartis AG Sp ADR ad 66987v109 444 5,176 SH   SOLE   0 5,176 0
Unilever NV NY ad 904784709 757 14,067 SH   SOLE   0 14,067 0
iShares Core S & P Small Cap ui 464287804 5,359 77,305 SH   SOLE   0 77,305 0
iShares Russell 3000 ETF ui 464287689 741 5,046 SH   SOLE   0 5,046 0
iShares S&P 500 Growth ETF ui 464287309 10,429 69,219 SH   SOLE   0 69,219 0
iShares S&P 500 Val ETF ui 464287408 7,582 74,961 SH   SOLE   0 74,961 0
iShares S&P Mc 400Gr ETF ui 464287606 687 3,590 SH   SOLE   0 3,590 0
iShares S&P Mc 400VL ETF ui 464287705 509 3,679 SH   SOLE   0 3,679 0
iShares SP Smcp600gr ETF ui 464287887 322 1,993 SH   SOLE   0 1,993 0
iShares SP Smcp600vl ETF ui 464287879 213 1,617 SH   SOLE   0 1,617 0
Select Sector SPDR Cons Discre ui 81369y407 4,529 45,740 SH   SOLE   0 45,740 0
Select Sector SPDR Consumer St ui 81369y308 1,150 22,640 SH   SOLE   0 22,640 0
Select Sector SPDR Energy ui 81369y506 720 12,555 SH   SOLE   0 12,555 0
Select Sector SPDR Financial ui 81369y605 3,753 157,576 SH   SOLE   0 157,576 0
Select Sector SPDR Healthcare ui 81369y209 4,453 51,473 SH   SOLE   0 51,473 0
Select Sector SPDR Industrials ui 81369y704 1,335 20,720 SH   SOLE   0 20,720 0
Select Sector SPDR Materials ui 81369y100 4,967 98,309 SH   SOLE   0 98,309 0
Select Sector SPDR Tr Communic ui 81369y852 1,400 33,925 SH   SOLE   0 33,925 0
Select Sector SPDR Tr Real Est ui 81369y860 618 19,943 SH   SOLE   0 19,943 0
Select Sector SPDR Tr Technolo ui 81369y803 2,695 43,485 SH   SOLE   0 43,485 0
Select Sector SPDR Utilities ui 81369y886 4,708 88,958 SH   SOLE   0 88,958 0
SPDR S&P 500 ETF Tr ui 78462f103 14,839 59,375 SH   SOLE   0 59,375 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 9,984 32,987 SH   SOLE   0 32,987 0
Vanguard Total Intl Stock F ui 921909768 6,121 129,623 SH   SOLE   0 129,623 0
Vanguard Total Stock Mkt ui 922908769 10,885 85,283 SH   SOLE   0 85,283 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 576 11,150 SH   SOLE   0 11,150 0
iShares CMBS ETF uh 46429b366 5,614 111,646 SH   SOLE   0 111,646 0
iShares Ibonds Dec21 ETF uh 46434vbk5 493 20,241 SH   SOLE   0 20,241 0
iShares Ibonds Mar20 ETF uh 46432fbc0 587 22,652 SH   SOLE   0 22,652 0
iShares Interm Term Gov/Cr ETF uh 464288612 7,421 68,575 SH   SOLE   0 68,575 0
iShares Sht Mat Bond ETF uh 46431w507 1,621 32,520 SH   SOLE   0 32,520 0
iShares Sht Mat Muni ETF uh 46431w838 2,354 47,127 SH   SOLE   0 47,127 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,856 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 254 3,229 SH   SOLE   0 3,229 0
Abbott Laboratories cs 002824100 3,357 41,864 SH   SOLE   0 41,864 0
Allstate Corp cs 020002101 3,365 41,948 SH   SOLE   0 41,948 0
American Electric Power Inc cs 025537101 3,372 42,031 SH   SOLE   0 42,031 0
American Express Co cs 025816109 3,380 42,115 SH   SOLE   0 42,115 0