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 6,029 71,691 SH   SOLE   0 71,691 0
AbbVie Inc cs 00287y109 200 2,754 SH   SOLE   0 2,754 0
Allstate Corp cs 020002101 5,210 51,237 SH   SOLE   0 51,237 0
American Electric Power Inc cs 025537101 1,222 13,882 SH   SOLE   0 13,882 0
American Energy Production Inc cs 025637208 0 40,804 SH   SOLE   0 40,804 0
American Express Co cs 025816109 277 2,245 SH   SOLE   0 2,245 0
Apple Inc cs 037833100 7,263 36,695 SH   SOLE   0 36,695 0
AT&T Inc cs 00206r102 4,152 123,910 SH   SOLE   0 123,910 0
Bain Cap Specialty Fin Inc cs 05684b107 226 12,141 SH   SOLE   0 12,141 0
Bank Montreal Que cs 063671101 700 9,276 SH   SOLE   0 9,276 0
Baxter Intl Inc cs 071813109 1,053 12,861 SH   SOLE   0 12,861 0
Becton Dickinson & Co cs 075887109 1,115 4,426 SH   SOLE   0 4,426 0
Capital One Financial Corp cs 14040h105 1,786 19,685 SH   SOLE   0 19,685 0
Check Point Software Tech Ltd cs m22465104 5,481 47,412 SH   SOLE   0 47,412 0
Church & Dwight Inc cs 171340102 7,526 103,015 SH   SOLE   0 103,015 0
Cisco Systems Inc cs 17275r102 2,252 41,152 SH   SOLE   0 41,152 0
Colgate Palmolive Co cs 194162103 952 13,286 SH   SOLE   0 13,286 0
ConocoPhillips cs 20825c104 2,931 48,056 SH   SOLE   0 48,056 0
CVS Health Corp cs 126650100 432 7,925 SH   SOLE   0 7,925 0
Danaher Corp cs 235851102 4,945 34,602 SH   SOLE   0 34,602 0
Deere & Co cs 244199105 763 4,607 SH   SOLE   0 4,607 0
Disney Walt Co Disney cs 254687106 9,075 64,990 SH   SOLE   0 64,990 0
DTE Energy Co cs 233331107 1,000 7,818 SH   SOLE   0 7,818 0
Exxon Mobil Corp cs 30231g102 2,369 30,916 SH   SOLE   0 30,916 0
Fifth Third Bancorp cs 316773100 863 30,929 SH   SOLE   0 30,929 0
First Republic Bank San Franci cs 33616c100 6,508 66,642 SH   SOLE   0 66,642 0
Fiserv Inc cs 337738108 7,001 76,794 SH   SOLE   0 76,794 0
Fortive Corp cs 34959j108 2,168 26,592 SH   SOLE   0 26,592 0
Home Depot Inc cs 437076102 1,138 5,471 SH   SOLE   0 5,471 0
Intel Corp cs 458140100 1,801 37,626 SH   SOLE   0 37,626 0
Intl Business Machines cs 459200101 305 2,209 SH   SOLE   0 2,209 0
Johnson & Johnson cs 478160104 949 6,810 SH   SOLE   0 6,810 0
JPMorgan Chase & Co cs 46625h100 2,002 17,910 SH   SOLE   0 17,910 0
Lowes Cos Inc cs 548661107 5,533 54,832 SH   SOLE   0 54,832 0
M & T Bank Corp cs 55261f104 1,025 6,027 SH   SOLE   0 6,027 0
McDonalds Corp cs 580135101 1,483 7,140 SH   SOLE   0 7,140 0
Merck & Co Inc cs 58933y105 1,006 12,002 SH   SOLE   0 12,002 0
Microsoft Corp cs 594918104 2,546 19,007 SH   SOLE   0 19,007 0
Northrop Grumman Corp cs 666807102 1,146 3,546 SH   SOLE   0 3,546 0
NVIDIA Corp cs 67066g104 5,023 30,585 SH   SOLE   0 30,585 0
Pfizer Inc cs 717081103 1,899 43,829 SH   SOLE   0 43,829 0
Procter And Gamble Co cs 742718109 1,194 10,886 SH   SOLE   0 10,886 0
Roper Technologies Inc cs 776696106 3,435 9,379 SH   SOLE   0 9,379 0
Starbucks Corp cs 855244109 257 3,062 SH   SOLE   0 3,062 0
Texas Instruments Inc cs 882508104 7,558 65,855 SH   SOLE   0 65,855 0
Travelers Companies Inc cs 89417e109 5,150 34,446 SH   SOLE   0 34,446 0
Trustco Bank Corp NY cs 898349105 474 59,882 SH   SOLE   0 59,882 0
Union Pacific Corp cs 907818108 6,979 41,272 SH   SOLE   0 41,272 0
United Technologies Corp cs 913017109 3,466 26,621 SH   SOLE   0 26,621 0
Valero Energy Corp cs 91913y100 4,144 48,409 SH   SOLE   0 48,409 0
Wal-Mart Stores Inc cs 931142103 4,267 38,618 SH   SOLE   0 38,618 0
Waste Management Inc cs 94106l109 365 3,162 SH   SOLE   0 3,162 0
Yum Brands Inc cs 988498101 999 9,031 SH   SOLE   0 9,031 0
Yum China Holdings Inc cs 98850p109 496 10,736 SH   SOLE   0 10,736 0
Diageo PLC Sp ADR ad 25243q205 485 2,814 SH   SOLE   0 2,814 0
Novartis AG Sp ADR ad 66987v109 568 6,225 SH   SOLE   0 6,225 0
Unilever NV NY ad 904784709 1,077 17,738 SH   SOLE   0 17,738 0
iShares Core S & P Small Cap ui 464287804 5,292 67,598 SH   SOLE   0 67,598 0
iShares MSCI Sz Cap ETF ui 464286749 232 6,175 SH   SOLE   0 6,175 0
iShares Rus Mid Cap Growth ETF ui 464287481 256 1,794 SH   SOLE   0 1,794 0
iShares Russell 3000 ETF ui 464287689 861 4,994 SH   SOLE   0 4,994 0
iShares S&P 500 Growth ETF ui 464287309 11,598 64,708 SH   SOLE   0 64,708 0
iShares S&P 500 Val ETF ui 464287408 8,207 70,404 SH   SOLE   0 70,404 0
iShares S&P Mc 400Gr ETF ui 464287606 762 3,366 SH   SOLE   0 3,366 0
iShares S&P Mc 400VL ETF ui 464287705 548 3,436 SH   SOLE   0 3,436 0
iShares SP Smcp600gr ETF ui 464287887 341 1,868 SH   SOLE   0 1,868 0
iShares SP Smcp600vl ETF ui 464287879 225 1,515 SH   SOLE   0 1,515 0
Select Sector SPDR Cons Discre ui 81369y407 7,797 65,414 SH   SOLE   0 65,414 0
Select Sector SPDR Consumer St ui 81369y308 1,315 22,640 SH   SOLE   0 22,640 0
Select Sector SPDR Energy ui 81369y506 800 12,555 SH   SOLE   0 12,555 0
Select Sector SPDR Financial ui 81369y605 4,145 150,189 SH   SOLE   0 150,189 0
Select Sector SPDR Healthcare ui 81369y209 10,963 118,338 SH   SOLE   0 118,338 0
Select Sector SPDR Industrials ui 81369y704 1,604 20,720 SH   SOLE   0 20,720 0
Select Sector SPDR Materials ui 81369y100 4,720 80,690 SH   SOLE   0 80,690 0
Select Sector SPDR Tr Communic ui 81369y852 3,949 80,232 SH   SOLE   0 80,232 0
Select Sector SPDR Tr Real Est ui 81369y860 3,040 82,668 SH   SOLE   0 82,668 0
Select Sector SPDR Tr Technolo ui 81369y803 5,864 75,137 SH   SOLE   0 75,137 0
Select Sector SPDR Utilities ui 81369y886 4,965 83,264 SH   SOLE   0 83,264 0
SPDR S&P 500 ETF Tr ui 78462f103 16,131 55,055 SH   SOLE   0 55,055 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 10,947 30,871 SH   SOLE   0 30,871 0
Vanguard Total Intl Stock F ui 921909768 5,848 110,864 SH   SOLE   0 110,864 0
Vanguard Total Stock Mkt ui 922908769 34,660 230,928 SH   SOLE   0 230,928 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 307 5,750 SH   SOLE   0 5,750 0
iShares CMBS ETF uh 46429b366 5,793 109,486 SH   SOLE   0 109,486 0
iShares Ibonds Dec21 ETF uh 46434vbk5 410 16,452 SH   SOLE   0 16,452 0
iShares Ibonds Mar20 ETF uh 46432fbc0 380 14,540 SH   SOLE   0 14,540 0
iShares Interm Term Gov/Cr ETF uh 464288612 8,527 75,940 SH   SOLE   0 75,940 0
iShares National Muni ETF uh 464288414 2,036 18,000 SH   SOLE   0 18,000 0
iShares Sht Mat Bond ETF uh 46431w507 1,427 28,350 SH   SOLE   0 28,350 0
iShares Sht Mat Muni ETF uh 46431w838 2,048 40,851 SH   SOLE   0 40,851 0
Vanguard Mortgage-Backed Sec uh 92206c771 3,432 64,970 SH   SOLE   0 64,970 0
Vanguard Short Term Bond uh 921937827 206 2,557 SH   SOLE   0 2,557 0
Vanguard Total Bond Mkt uh 921937835 532 6,410 SH   SOLE   0 6,410 0