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
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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 36,987 114,427 SH   SOLE   111,625 0 2,802
SPDR S&P 500 ETF TR SPY ETF 78462F103 31,249 97,090 SH   SOLE   91,580 0 5,510
ISHARES TR IJR ETF 464287804 22,377 266,867 SH   SOLE   249,678 0 17,189
SPDR S&P MIDCAP 400 ETF TR MDY ETF 78467Y107 21,940 58,447 SH   SOLE   55,338 0 3,109
INVESCO QQQ TR ETF 46090E103 19,838 93,306 SH   SOLE   87,479 0 5,827
VISA INC COM 92826C839 18,434 98,103 SH   SOLE   92,545 0 5,558
MICROSOFT CORP COM 594918104 13,778 87,370 SH   SOLE   83,396 0 3,974
ISHARES TR IJH ETF 464287507 11,587 56,294 SH   SOLE   54,294 0 2,000
FIDELITY COVINGTON TR FTEC ETF 316092808 11,325 156,253 SH   SOLE   150,730 0 5,523
APPLE INC COM 037833100 9,855 33,563 SH   SOLE   31,828 0 1,735
AMAZON COM INC COM 023135106 9,841 5,325 SH   SOLE   5,076 0 249
ISHARES TR IJJ ETF 464287705 9,573 56,074 SH   SOLE   52,686 0 3,388
JPMORGAN CHASE & CO COM 46625H100 9,269 66,492 SH   SOLE   63,926 0 2,566
MCDONALDS CORP COM 580135101 9,252 46,821 SH   SOLE   44,609 0 2,212
UNITEDHEALTH GROUP INC COM 91324P102 7,778 26,459 SH   SOLE   24,786 0 1,673
BOEING CO COM 097023105 6,993 21,466 SH   SOLE   20,349 0 1,117
SALESFORCE COM INC COM 79466L302 6,918 42,540 SH   SOLE   39,070 0 3,470
LOCKHEED MARTIN CORP COM 539830109 6,757 17,351 SH   SOLE   16,344 0 1,007
ISHARES TR IJK ETF 464287606 6,121 25,705 SH   SOLE   23,281 0 2,424
MASTERCARD INC CL A 57636Q104 5,734 19,203 SH   SOLE   17,865 0 1,338
ISHARES TR ITOT ETF 464287150 5,629 77,441 SH   SOLE   72,857 0 4,584
SPDR DOW JONES INDL AVRG DIA ETF 78467X109 5,498 19,286 SH   SOLE   17,412 0 1,874
ISHARES INC IEMG ETF 46434G103 3,897 72,499 SH   SOLE   67,553 0 4,946
COMCAST CORP NEW CL A 20030N101 3,400 75,605 SH   SOLE   69,906 0 5,699
ISHARES TR LQD ETF 464287242 3,382 26,429 SH   SOLE   26,306 0 123
ISHARES TR SHY ETF 464287457 3,133 37,018 SH   SOLE   36,423 0 595
PEPSICO INC COM 713448108 3,023 22,119 SH   SOLE   20,749 0 1,370
JOHNSON & JOHNSON COM 478160104 2,877 19,726 SH   SOLE   19,726 0 0
CHEVRON CORP NEW COM 166764100 2,719 22,562 SH   SOLE   21,411 0 1,151
CONSOLIDATED EDISON INC COM 209115104 2,579 28,504 SH   SOLE   27,792 0 712
VERIZON COMMUNICATIONS INC COM 92343V104 2,298 37,433 SH   SOLE   35,733 0 1,700
GILEAD SCIENCES INC COM 375558103 2,257 34,730 SH   SOLE   31,895 0 2,835
EXXON MOBIL CORP COM 30231G102 2,054 29,429 SH   SOLE   27,779 0 1,650
ISHARES TR IEFA ETF 46432F842 1,931 29,612 SH   SOLE   28,269 0 1,343
PROCTER & GAMBLE CO COM 742718109 1,908 15,279 SH   SOLE   15,279 0 0
RAYTHEON CO COM 755111507 1,842 8,380 SH   SOLE   7,640 0 740
ISHARES TR AGG ETF 464287226 1,751 15,581 SH   SOLE   15,415 0 166
MERCK & CO INC COM 58933Y105 1,483 16,311 SH   SOLE   16,311 0 0
VANGUARD INDEX FDS VTI ETF 922908769 1,407 8,596 SH   SOLE   8,436 0 160
AT&T INC COM 00206R102 1,401 35,862 SH   SOLE   35,862 0 0
WENDYS CO COM 95058W100 1,392 62,703 SH   SOLE   61,776 0 927
MARATHON PETE CORP COM 56585A102 1,366 22,677 SH   SOLE   20,877 0 1,800
INVESCO EXCHNG TRADED FD VRP ETF 46138G870 1,342 51,975 SH   SOLE   50,873 0 1,102
PIMCO ETF TR MINT ETF 72201R833 1,279 12,591 SH   SOLE   12,591 0 0
ISHARES TR IEF ETF 464287440 1,273 11,549 SH   SOLE   11,522 0 27
UNION PACIFIC CORP COM 907818108 1,213 6,712 SH   SOLE   6,712 0 0
BLACKSTONE GROUP INC COM 09260D107 1,145 20,477 SH   SOLE   17,677 0 2,800
VANGUARD INDEX FDS VOE ETF 922908512 1,142 9,583 SH   SOLE   9,207 0 376
FIDELITY FBND ETF 316188309 1,113 21,505 SH   SOLE   20,962 0 543
VANGUARD BD INDEX FD BND ETF 921937835 1,090 12,996 SH   SOLE   12,927 0 69
ABBOTT LABS COM 002824100 913 10,508 SH   SOLE   10,508 0 0
DOLLAR GEN CORP NEW COM 256677105 851 5,457 SH   SOLE   4,757 0 700
ISHARES TR PFF ETF 464288687 822 21,880 SH   SOLE   21,556 0 324
ISHARES TR IBB ETF 464287556 814 6,759 SH   SOLE   6,759 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 720 3,395 SH   SOLE   3,395 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 706 14,150 SH   SOLE   14,150 0 0
GENERAL MLS INC COM 370334104 671 12,534 SH   SOLE   12,534 0 0
ISHARES TR TIP ETF 464287176 631 5,410 SH   SOLE   5,348 0 62
AMERICAN STS WTR CO COM 029899101 606 7,000 SH   SOLE   7,000 0 0
ALPHABET INC GOOGL CAP STK CL A 02079K305 603 450 SH   SOLE   396 0 54
CATERPILLAR INC DEL COM 149123101 592 4,012 SH   SOLE   3,512 0 500
THERAVANCE BIOPHARMA INC COM G8807B106 583 22,500 SH   SOLE   22,500 0 0
NETFLIX INC COM 64110L106 574 1,774 SH   SOLE   1,774 0 0
HONEYWELL INTL INC COM 438516106 571 3,228 SH   SOLE   3,228 0 0
PAYPAL HLDGS INC COM 70450Y103 549 5,077 SH   SOLE   5,077 0 0
TG THERAPEUTICS INC COM 88322Q108 542 48,800 SH   SOLE   48,800 0 0
PFIZER INC COM 717081103 517 13,200 SH   SOLE   13,200 0 0
WALMART INC COM 931142103 506 4,258 SH   SOLE   4,258 0 0
JD COM INC SPONSORED ADR 47215P106 500 14,200 SH   SOLE   14,200 0 0
AMGEN INC COM 031162100 499 2,072 SH   SOLE   2,072 0 0
COCA COLA CO COM 191216100 496 8,965 SH   SOLE   8,865 0 100
ALTRIA GROUP INC MO COM 02209S103 491 9,840 SH   SOLE   9,840 0 0
GENMAB A S SPONSORED ADS 372303206 489 21,897 SH   SOLE   21,897 0 0
M & T BK CORP COM 55261F104 482 2,838 SH   SOLE   2,838 0 0
UNITED PARCEL SERVICE INC COM 911312106 473 4,040 SH   SOLE   4,040 0 0
ISHARES INC EWH ETF 464286871 471 19,350 SH   SOLE   19,350 0 0
SPDR INDEX SHS FDS GXC ETF 78463X400 452 4,400 SH   SOLE   4,400 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 443 3,306 SH   SOLE   3,306 0 0
INGREDION INC COM 457187102 439 4,725 SH   SOLE   4,725 0 0
NOVARTIS A G SPONSORED ADR 66987V109 428 4,518 SH   SOLE   4,518 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 424 6,611 SH   SOLE   6,611 0 0
MORGAN STANLEY COM 617446448 419 8,199 SH   SOLE   8,199 0 0
INTEL CORP COM 458140100 413 6,901 SH   SOLE   6,879 0 22
ANTHEM INC COM 036752103 412 1,363 SH   SOLE   1,363 0 0
WASTE MGMT INC DEL COM 94106L109 411 3,610 SH   SOLE   3,610 0 0
ISHARES TR IWF ETF 464287614 406 2,307 SH   SOLE   2,307 0 0
ISHARES TR TLT ETF 464287432 405 2,992 SH   SOLE   2,959 0 33
SPDR SERIES TRUST SDY ETF 78464A763 404 3,753 SH   SOLE   3,753 0 0
LOEWS CORP COM 540424108 403 7,669 SH   SOLE   7,669 0 0
FACEBOOK INC CL A 30303M102 392 1,912 SH   SOLE   1,912 0 0
NOVO-NORDISK A S ADR 670100205 388 6,700 SH   SOLE   6,700 0 0
UNITIL CORP COM 913259107 387 6,253 SH   SOLE   6,253 0 0
ARROW FINL CORP COM 042744102 378 9,999 SH   SOLE   9,999 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 371 26,200 SH   SOLE   26,200 0 0
HUMANA INC COM 444859102 367 1,000 SH   SOLE   1,000 0 0
VANGUARD INDEX FDS ETF 922908652 357 2,830 SH   SOLE   2,830 0 0
ALLERGAN PLC SHS G0177J108 357 1,866 SH   SOLE   1,866 0 0
LILLY ELI & CO COM 532457108 355 2,702 SH   SOLE   2,002 0 700
EATON VANCE TAX MNGED ETB COM 27828X100 351 21,415 SH   SOLE   21,415 0 0
VANGUARD INDEX FDS VUG ETF 922908736 348 1,910 SH   SOLE   1,800 0 110
WD-40 CO COM 929236107 344 1,771 SH   SOLE   1,746 0 25
CISCO SYS INC COM 17275R102 338 7,049 SH   SOLE   7,049 0 0
COSTCO WHSL CORP NEW COM 22160K105 337 1,147 SH   SOLE   1,057 0 90
NEUBERGER BRMAN NY MUNI NBO COM 64124K102 336 26,940 SH   SOLE   26,940 0 0
UNITED TECHNOLOGIES CORP COM 913017109 333 2,221 SH   SOLE   2,221 0 0
ISHARES TR IWD ETF 464287598 331 2,424 SH   SOLE   2,424 0 0
MGE ENERGY INC COM 55277P104 331 4,200 SH   SOLE   4,200 0 0
DISNEY WALT CO COM 254687106 327 2,263 SH   SOLE   2,256 0 7
KEYCORP NEW COM 493267108 315 15,558 SH   SOLE   15,558 0 0
EATON CORP PLC SHS G29183103 308 3,249 SH   SOLE   3,249 0 0
PAYCHEX INC COM 704326107 289 3,393 SH   SOLE   3,393 0 0
TELUS CORP COM 87971M103 281 7,260 SH   SOLE   7,260 0 0
TJX COS INC NEW COM 872540109 277 4,534 SH   SOLE   4,534 0 0
NEXTERA ENERGY INC COM 65339F101 277 1,142 SH   SOLE   1,142 0 0
ISHARES TR FXI ETF 464287184 277 6,345 SH   SOLE   6,345 0 0
PPL CORP COM 69351T106 275 7,668 SH   SOLE   7,668 0 0
VANGUARD INDEX FDS VO ETF 922908629 274 1,537 SH   SOLE   1,464 0 73
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 270 11,397 SH   SOLE   11,397 0 0
ALPS ETF TR SDOG ETF 00162Q858 265 5,653 SH   SOLE   5,653 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 264 3,000 SH   SOLE   3,000 0 0
SUNCOR ENERGY INC NEW COM 867224107 264 8,055 SH   SOLE   8,055 0 0
AMERISOURCEBERGEN CORP COM 03073E105 255 3,000 SH   SOLE   3,000 0 0
VANGUARD INDEX FDS VOO ETF 922908363 252 853 SH   SOLE   578 0 275
ISHARES TR ISTB ETF 46432F859 249 4,942 SH   SOLE   4,901 0 41
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 234 1,815 SH   SOLE   1,815 0 0
ISHARES TR OEF ETF 464287101 230 1,596 SH   SOLE   1,590 0 6
DANAHER CORPORATION COM 235851102 229 1,490 SH   SOLE   1,490 0 0
GENERAL ELECTRIC CO COM 369604103 226 20,207 SH   SOLE   20,207 0 0
ISHARES TR IHI ETF 464288810 225 852 SH   SOLE   852 0 0
VANGUARD INTL EQUITY VWO ETF 922042858 217 4,874 SH   SOLE   3,120 0 1,754
DUKE ENERGY CORP NEW COM 26441C204 214 2,350 SH   SOLE   2,350 0 0
HOME DEPOT INC COM 437076102 208 952 SH   SOLE   952 0 0
SPDR SERIES TRUST CWB ETF 78464A359 202 3,638 SH   SOLE   3,638 0 0
MYLAN N V SHS N59465109 201 10,000 SH   SOLE   10,000 0 0
DERMIRA INC COM 24983L104 197 13,000 SH   SOLE   13,000 0 0
TRUSTCO BK CORP N Y COM 898349105 195 22,486 SH   SOLE   22,486 0 0
HUNTINGTON BANCSHARES INC COM 446150104 189 12,549 SH   SOLE   8,366 0 4,183
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 189 13,934 SH   SOLE   13,934 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 155 22,000 SH   SOLE   22,000 0 0
FOAMIX PHARMACEUTICALS LTD SHS M46135105 90 27,000 SH   SOLE   27,000 0 0
AURORA CANNABIS INC COM 05156X108 26 11,881 SH   SOLE   11,881 0 0
CONFORMIS INC COM 20717E101 15 10,000 SH   SOLE   10,000 0 0