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
ISHARES TR IVV ETF 464287200 33,585 112,485 SH   SOLE   109,616 0 2,869
SPDR S&P 500 ETF TR SPY ETF 78462F103 29,389 99,030 SH   SOLE   93,091 0 5,939
SPDR S&P MIDCAP 400 ETF TR MDY ETF 78467Y107 21,169 60,059 SH   SOLE   56,777 0 3,282
ISHARES TR IJR ETF 464287804 20,528 263,726 SH   SOLE   246,200 0 17,526
INVESCO QQQ TR ETF 46090E103 17,961 95,126 SH   SOLE   88,705 0 6,421
VISA INC COM 92826C839 17,095 99,386 SH   SOLE   93,393 0 5,993
MICROSOFT CORP COM 594918104 12,030 86,528 SH   SOLE   82,462 0 4,066
ISHARES TR MC IJH ETF 464287507 10,218 52,881 SH   SOLE   51,077 0 1,804
MCDONALDS CORP COM 580135101 10,074 46,923 SH   SOLE   44,567 0 2,356
FIDELITY COVINGTON FTEC ETF 316092808 9,542 149,634 SH   SOLE   144,412 0 5,222
ISHARES TR MC IJJ ETF 464287705 9,219 57,659 SH   SOLE   53,935 0 3,724
AMAZON COM INC COM 023135106 9,045 5,210 SH   SOLE   4,967 0 243
JPMORGAN CHASE & CO COM 46625H100 7,742 65,781 SH   SOLE   63,158 0 2,623
BOEING CO COM 097023105 7,666 20,150 SH   SOLE   18,985 0 1,165
APPLE INC COM 037833100 7,422 33,138 SH   SOLE   31,393 0 1,745
LOCKHEED MARTIN CORP COM 539830109 6,882 17,642 SH   SOLE   16,661 0 981
SALESFORCE COM INC COM 79466L302 6,210 41,834 SH   SOLE   38,426 0 3,408
UNITEDHEALTH GROUP INC COM 91324P102 6,004 27,627 SH   SOLE   25,996 0 1,631
ISHARES TR MC IJK ETF 464287606 5,891 26,313 SH   SOLE   23,771 0 2,542
SPDR DOW JONES INDL AVRG ETF ETF 78467X109 5,304 19,704 SH   SOLE   17,632 0 2,072
ISHARES TR ITOT ETF 464287150 5,247 78,229 SH   SOLE   73,597 0 4,632
MASTERCARD INC ETF 57636Q104 5,186 19,098 SH   SOLE   17,764 0 1,334
ISHARES INC IEMG ETF 46434G103 3,615 73,758 SH   SOLE   68,786 0 4,972
ISHARES TR LQD ETF 464287242 3,340 26,202 SH   SOLE   26,137 0 65
PEPSICO INC COM 713448108 3,069 22,388 SH   SOLE   20,964 0 1,424
ISHARES TR SHY ETF 464287457 3,021 35,612 SH   SOLE   35,107 0 505
JOHNSON & JOHNSON COM 478160104 2,771 21,422 SH   SOLE   21,422 0 0
CHEVRON CORP NEW COM 166764100 2,605 21,968 SH   SOLE   20,850 0 1,118
CONSOLIDATED EDISON INC COM 209115104 2,552 27,014 SH   SOLE   26,359 0 655
VERIZON COMMUNICATIONS INC COM 92343V104 2,297 38,049 SH   SOLE   36,349 0 1,700
GILEAD SCIENCES INC COM 375558103 2,239 35,326 SH   SOLE   32,191 0 3,135
EXXON MOBIL CORP COM 30231G102 2,096 29,684 SH   SOLE   28,034 0 1,650
PROCTER & GAMBLE CO COM 742718109 1,905 15,320 SH   SOLE   15,320 0 0
PAYPAL HLDGS INC COM 70450Y103 1,799 17,359 SH   SOLE   16,902 0 457
ISHARES TR AGG ETF 464287226 1,718 15,182 SH   SOLE   15,002 0 180
RAYTHEON CO COM 755111507 1,680 8,565 SH   SOLE   7,752 0 813
ISHARES TR IEFA ETF 46432F842 1,463 23,858 SH   SOLE   22,817 0 1,041
MARATHON PETE CORP COM 56585A102 1,378 22,677 SH   SOLE   20,877 0 1,800
MERCK & CO INC COM 58933Y105 1,364 16,206 SH   SOLE   16,206 0 0
INVESCO EXCHNG TRADED VRP ETF 46138G870 1,362 53,596 SH   SOLE   52,449 0 1,147
AT&T INC COM 00206R102 1,357 35,867 SH   SOLE   35,867 0 0
VANGUARD INDEX FDS VTI ETF 922908769 1,292 8,560 SH   SOLE   7,420 0 1,140
WENDYS CO COM 95058W100 1,266 63,358 SH   SOLE   60,167 0 3,191
PIMCO ETF TR MINT ETF 72201R833 1,254 12,331 SH   SOLE   12,331 0 0
ISHARES TR IEF ETF 464287440 1,195 10,633 SH   SOLE   10,608 0 25
VANGUARD BD INDEX FD BND ETF 921937835 1,129 13,363 SH   SOLE   13,294 0 69
UNION PACIFIC CORP COM 907818108 1,087 6,712 SH   SOLE   6,712 0 0
VANGUARD INDEX FDS VOE ETF 922908512 1,080 9,559 SH   SOLE   9,183 0 376
BLACKSTONE GROUP INC COM 09260D107 960 19,649 SH   SOLE   16,849 0 2,800
DOLLAR GEN CORP NEW COM 256677105 890 5,600 SH   SOLE   4,900 0 700
ABBOTT LABS COM 002824100 873 10,426 SH   SOLE   10,426 0 0
FIDELITY FBND ETF 316188309 819 15,832 SH   SOLE   15,595 0 237
ISHARES TR PFF ETF 464288687 726 19,354 SH   SOLE   19,171 0 183
ASTRAZENECA PLC ADR 046353108 720 16,150 SH   SOLE   16,150 0 0
GENERAL MLS INC COM 370334104 691 12,534 SH   SOLE   12,534 0 0
ISHARES TR TIPS TIP ETF 464287176 687 5,902 SH   SOLE   5,840 0 62
NETFLIX INC COM 64110L106 651 2,432 SH   SOLE   2,429 0 3
ISHARES TR IBB ETF 464287556 633 6,365 SH   SOLE   6,365 0 0
AMERICAN STS WTR CO COM 029899101 629 7,000 SH   SOLE   7,000 0 0
NOVARTIS A G ADR 66987V109 570 6,555 SH   SOLE   6,555 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 565 3,884 SH   SOLE   3,884 0 0
ALIBABA GROUP HLDG LTD ADS 01609W102 562 3,360 SH   SOLE   3,360 0 0
ALPHABET INC GOOGL CAP A 02079K305 550 450 SH   SOLE   396 0 54
HONEYWELL INTL INC COM 438516106 546 3,228 SH   SOLE   3,228 0 0
GENMAB A S ADS 372303206 545 26,897 SH   SOLE   26,897 0 0
CATERPILLAR INC DEL COM 149123101 520 4,119 SH   SOLE   3,619 0 500
PFIZER INC COM 717081103 502 13,965 SH   SOLE   13,965 0 0
WALMART INC COM 931142103 495 4,173 SH   SOLE   4,173 0 0
COCA COLA CO COM 191216100 488 8,965 SH   SOLE   8,865 0 100
UNITED PARCEL SERVICE INC COM 911312106 472 3,938 SH   SOLE   3,938 0 0
M & T BK CORP COM 55261F104 448 2,838 SH   SOLE   2,838 0 0
ISHARES INC EWH ETF 464286871 439 19,350 SH   SOLE   19,350 0 0
ISHARES TR TLT ETF 464287432 419 2,930 SH   SOLE   2,897 0 33
MORGAN STANLEY COM 617446448 418 9,797 SH   SOLE   9,694 0 103
DISNEY WALT CO COM 254687106 411 3,156 SH   SOLE   3,156 0 0
WASTE MGMT INC DEL COM 94106L109 406 3,529 SH   SOLE   3,529 0 0
ALTRIA GROUP INC COM 02209S103 403 9,834 SH   SOLE   9,834 0 0
UNITIL CORP COM 913259107 397 6,253 SH   SOLE   6,253 0 0
SPDR INDEX SHS FDS GXC ETF 78463X400 397 4,400 SH   SOLE   4,400 0 0
LOEWS CORP COM 540424108 395 7,669 SH   SOLE   7,669 0 0
SPDR SERIES TRUST SDY ETF 78464A763 390 3,803 SH   SOLE   3,803 0 0
ISHARES TR IWF ETF 464287614 389 2,440 SH   SOLE   2,440 0 0
ANTHEM INC COM 036752103 387 1,613 SH   SOLE   1,613 0 0
INGREDION INC COM 457187102 386 4,725 SH   SOLE   4,725 0 0
ARROW FINL CORP COM 042744102 374 11,193 SH   SOLE   11,193 0 0
FACEBOOK INC COM 30303M102 366 2,057 SH   SOLE   2,057 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 359 26,200 SH   SOLE   26,200 0 0
NEUBERGER BRMAN NY MUNI NBO COM 64124K102 344 27,490 SH   SOLE   27,490 0 0
PACIRA BIOSCIENCES COM 695127100 343 9,000 SH   SOLE   9,000 0 0
THERAVANCE BIOPHARMA INC COM G8807B106 341 17,500 SH   SOLE   17,500 0 0
INTEL CORP COM 458140100 340 6,591 SH   SOLE   6,569 0 22
EATON VANCE TAX MNGED ETB COM 27828X100 335 21,399 SH   SOLE   21,399 0 0
MGE ENERGY INC COM 55277P104 335 4,200 SH   SOLE   4,200 0 0
AMERISOURCEBERGEN CORP COM 03073E105 329 4,000 SH   SOLE   4,000 0 0
CISCO SYS INC COM 17275R102 328 6,640 SH   SOLE   6,640 0 0
VANGUARD INDEX FDS VXF ETF 922908652 328 2,820 SH   SOLE   2,820 0 0
COMCAST CORP NEW COM 20030N101 325 7,214 SH   SOLE   6,614 0 600
ALLERGAN PLC COM G0177J108 318 1,889 SH   SOLE   1,889 0 0
VANGUARD INDEX FDS VUG ETF 922908736 317 1,909 SH   SOLE   1,764 0 145
BRISTOL MYERS SQUIBB CO COM 110122108 313 6,158 SH   SOLE   6,158 0 0
UNITED TECHNOLOGIES CORP COM 913017109 310 2,271 SH   SOLE   2,271 0 0
AMGEN INC COM 031162100 304 1,571 SH   SOLE   1,571 0 0
COSTCO WHSL CORP NEW COM 22160K105 301 1,047 SH   SOLE   957 0 90
ISHARES TR IWD ETF 464287598 297 2,312 SH   SOLE   2,312 0 0
LILLY ELI & CO COM 532457108 296 2,650 SH   SOLE   1,950 0 700
KEYCORP NEW COM 493267108 286 16,058 SH   SOLE   16,058 0 0
PAYCHEX INC COM 704326107 281 3,393 SH   SOLE   3,393 0 0
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 281 11,747 SH   SOLE   11,747 0 0
TELUS CORP COM 87971M103 274 7,694 SH   SOLE   7,694 0 0
EATON CORP PLC SHS G29183103 270 3,249 SH   SOLE   3,249 0 0
ALEXION PHARMACEUTICALS INC COM 015351109 269 2,750 SH   SOLE   2,750 0 0
NEXTERA ENERGY INC COM 65339F101 266 1,142 SH   SOLE   1,142 0 0
TARO PHARMACEUTICAL INDS LTD COM M8737E108 264 3,500 SH   SOLE   3,500 0 0
ISHARES TR ISTB ETF 46432F859 257 5,087 SH   SOLE   5,046 0 41
VANGUARD INDEX FDS VO ETF 922908629 257 1,537 SH   SOLE   1,443 0 94
TJX COS INC NEW COM 872540109 257 4,614 SH   SOLE   4,614 0 0
HUMANA INC COM 444859102 256 1,000 SH   SOLE   1,000 0 0
SUNCOR ENERGY INC NEW COM 867224107 254 8,055 SH   SOLE   8,055 0 0
ISHARES TR FXI ETF 464287184 253 6,345 SH   SOLE   6,345 0 0
ALPS ETF TR ETF 00162Q858 249 5,683 SH   SOLE   5,683 0 0
SANOFI ADR 80105N105 246 5,300 SH   SOLE   5,300 0 0
PPL CORP COM 69351T106 241 7,659 SH   SOLE   7,659 0 0
ISHARES TR IHI ETF 464288810 233 943 SH   SOLE   943 0 0
VANGUARD INDEX FDS VOO ETF 922908363 233 853 SH   SOLE   578 0 275
WD-40 CO COM 929236107 227 1,238 SH   SOLE   1,238 0 0
DANAHER CORPORATION COM 235851102 225 1,562 SH   SOLE   1,562 0 0
DUKE ENERGY CORP NEW COM 26441C204 225 2,350 SH   SOLE   2,350 0 0
HOME DEPOT INC COM 437076102 225 970 SH   SOLE   970 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 223 1,815 SH   SOLE   1,815 0 0
W P CAREY INC COM 92936U109 219 2,450 SH   SOLE   1,050 0 1,400
TG THERAPEUTICS INC COM 88322Q108 218 38,800 SH   SOLE   38,800 0 0
ISHARES TR OEF ETF 464287101 210 1,596 SH   SOLE   1,590 0 6
CIGNA CORP NEW COM 125523100 207 1,364 SH   SOLE   1,364 0 0
VANGUARD INTL EQUITY VWO ETF 922042858 206 5,133 SH   SOLE   3,366 0 1,767
PROTAGONIST THERAPEUTICS INC COM 74366E102 204 17,000 SH   SOLE   17,000 0 0
BALL CORP COM 058498106 201 2,765 SH   SOLE   2,765 0 0
ISHARES TR ETF 464288323 200 3,500 SH   SOLE   3,500 0 0
TRUSTCO BK CORP N Y COM 898349105 189 23,224 SH   SOLE   23,224 0 0
NUVEEN NEW YORK AMT NRK COM 670656107 188 13,934 SH   SOLE   13,934 0 0
GENERAL ELECTRIC CO COM 369604103 179 20,101 SH   SOLE   20,101 0 0
HUNTINGTON BANCSHARES INC COM 446150104 179 12,549 SH   SOLE   8,366 0 4,183
FOAMIX PHARMACEUTICALS LTD COM M46135105 82 27,000 SH   SOLE   27,000 0 0
CONFORMIS INC COM 20717E101 19 10,000 SH   SOLE   10,000 0 0