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 20,914 80,937 SH   SOLE   78,722 0 2,215
INVESCO QQQ TR ETF 46090E103 20,757 109,016 SH   SOLE   103,275 0 5,741
SPDR S&P 500 ETF TR SPY ETF 78462F103 14,203 55,106 SH   SOLE   51,946 0 3,160
MICROSOFT CORP COM 594918104 13,596 86,210 SH   SOLE   82,560 0 3,650
VISA INC COM CL A 92826C839 11,189 69,447 SH   SOLE   66,236 0 3,211
FIDELITY COVINGTON TR ETF 316092808 9,893 157,807 SH   SOLE   152,272 0 5,535
AMAZON COM INC COM 023135106 9,701 4,975 SH   SOLE   4,751 0 224
APPLE INC COM 037833100 8,694 34,191 SH   SOLE   32,638 0 1,553
MCDONALDS CORP COM 580135101 7,791 47,118 SH   SOLE   45,092 0 2,026
UNITEDHEALTH GROUP INC COM 91324P102 6,603 26,479 SH   SOLE   24,996 0 1,483
SALESFORCE COM INC COM 79466L302 5,945 41,290 SH   SOLE   37,980 0 3,310
JPMORGAN CHASE & CO COM 46625H100 5,849 64,964 SH   SOLE   62,759 0 2,205
LOCKHEED MARTIN CORP COM 539830109 5,467 16,128 SH   SOLE   15,274 0 854
MASTERCARD INC CL A 57636Q104 4,290 17,759 SH   SOLE   16,542 0 1,217
SPDR DOW JONES INDL AVRG ETF ETF 78467X109 4,010 18,289 SH   SOLE   16,898 0 1,391
ISHARES TR ITOT ETF 464287150 3,994 69,806 SH   SOLE   65,384 0 4,422
ISHARES TR LQD ETF 464287242 3,219 26,062 SH   SOLE   25,931 0 131
ISHARES TR SHY ETF 464287457 3,203 36,959 SH   SOLE   36,356 0 603
ISHARES INC IEMG ETF 46434G103 2,774 68,536 SH   SOLE   63,760 0 4,776
NVIDIA CORP COM 67066G104 2,623 9,952 SH   SOLE   9,248 0 704
JOHNSON & JOHNSON COM 478160104 2,619 19,974 SH   SOLE   19,830 0 144
PEPSICO INC COM 713448108 2,553 21,260 SH   SOLE   19,890 0 1,370
COSTCO WHSL CORP NEW COM 22160K105 2,262 7,934 SH   SOLE   7,262 0 672
CONSOLIDATED EDISON INC COM 209115104 2,129 27,292 SH   SOLE   26,992 0 300
VERIZON COMMUNICATIONS INC COM 92343V104 1,914 35,620 SH   SOLE   33,920 0 1,700
ISHARES TR AGG ETF 464287226 1,821 15,783 SH   SOLE   15,612 0 171
COMCAST CORP NEW CL A 20030N101 1,660 48,296 SH   SOLE   45,595 0 2,701
MERCK & CO. INC COM 58933Y105 1,645 21,383 SH   SOLE   21,383 0 0
PROCTER & GAMBLE CO COM 742718109 1,560 14,185 SH   SOLE   14,185 0 0
ISHARES TR IEF ETF 464287440 1,467 12,076 SH   SOLE   12,042 0 34
FIDELITY FBND ETF 316188309 1,437 27,769 SH   SOLE   27,221 0 548
PIMCO ETF TR MINT ETF 72201R833 1,102 11,132 SH   SOLE   11,132 0 0
VANGUARD BD INDEX FDS BND ETF 921937835 1,099 12,872 SH   SOLE   12,803 0 69
ISHARES TR IEFA ETF 46432F842 1,082 21,693 SH   SOLE   20,666 0 1,027
INVESCO EXCHANGE-TRADED FD T ETF 46138G870 1,076 50,155 SH   SOLE   49,053 0 1,102
RAYTHEON CO COM 755111507 972 7,410 SH   SOLE   6,670 0 740
AT&T INC COM 00206R102 965 33,118 SH   SOLE   33,118 0 0
DOLLAR GEN CORP NEW COM 256677105 945 6,257 SH   SOLE   5,557 0 700
UNION PAC CORP COM 907818108 940 6,668 SH   SOLE   6,668 0 0
ALIBABA GROUP HLDG LTD ADS 01609W102 940 4,835 SH   SOLE   4,835 0 0
VANGUARD INDEX FDS Vti ETF 922908769 919 7,126 SH   SOLE   6,966 0 160
EXXON MOBIL CORP COM 30231G102 896 23,606 SH   SOLE   21,956 0 1,650
WENDYS CO COM 95058W100 874 58,717 SH   SOLE   57,790 0 927
BLACKSTONE GROUP INC COM CL A 09260D107 869 19,080 SH   SOLE   17,780 0 1,300
ABBOTT LABS COM 002824100 835 10,587 SH   SOLE   10,587 0 0
ISHARES TR PFF ETF 464288687 798 25,055 SH   SOLE   24,721 0 334
ALPHABET INC GOOGL CAP STK CL A 02079K305 755 650 SH   SOLE   596 0 54
AMGEN INC COM 031162100 753 3,716 SH   SOLE   3,716 0 0
DISNEY WALT CO COM 254687106 725 7,505 SH   SOLE   7,348 0 157
ISHARES TR IBB ETF 464287556 722 6,699 SH   SOLE   6,699 0 0
PFIZER INC COM 717081103 692 21,205 SH   SOLE   21,205 0 0
GENERAL MLS INC COM 370334104 661 12,534 SH   SOLE   12,534 0 0
NOVARTIS A G ADR 66987V109 655 7,950 SH   SOLE   7,950 0 0
ANTHEM INC COM 036752103 644 2,838 SH   SOLE   2,838 0 0
ASTRAZENECA PLC ADR 046353108 632 14,150 SH   SOLE   14,150 0 0
ISHARES TR TIP ETF 464287176 631 5,355 SH   SOLE   5,343 0 12
BOSTON SCIENTIFIC CORP COM 101137107 620 19,000 SH   SOLE   19,000 0 0
ADVANCED MICRO DEVICES INC COM 007903107 616 13,539 SH   SOLE   12,888 0 651
PAYPAL HLDGS INC COM 70450Y103 583 6,092 SH   SOLE   6,092 0 0
CIGNA CORP NEW COM 125523100 578 3,264 SH   SOLE   3,264 0 0
AMER STATES WTR CO COM 029899101 572 7,000 SH   SOLE   7,000 0 0
ISHARES TR TLT ETF 464287432 543 3,289 SH   SOLE   3,251 0 38
MARATHON PETE CORP COM 56585A102 536 22,677 SH   SOLE   20,877 0 1,800
TG THERAPEUTICS INC COM 88322Q108 480 48,800 SH   SOLE   48,800 0 0
BROADCOM INC COM 11135F101 468 1,976 SH   SOLE   1,976 0 0
CATERPILLAR INC DEL COM 149123101 448 3,857 SH   SOLE   3,357 0 500
COCA COLA CO COM 191216100 437 9,869 SH   SOLE   9,769 0 100
HONEYWELL INTL INC COM 438516106 432 3,228 SH   SOLE   3,228 0 0
NOVO-NORDISK A S ADR 670100205 403 6,700 SH   SOLE   6,700 0 0
SPDR INDEX SHS FDS GXC ETF 78463X400 402 4,400 SH   SOLE   4,400 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 396 22,000 SH   SOLE   22,000 0 0
WALMART INC COM 931142103 395 3,475 SH   SOLE   3,475 0 0
SANOFI ADR 80105N105 393 9,000 SH   SOLE   9,000 0 0
JD COM INC ADR 47215P106 389 9,600 SH   SOLE   9,600 0 0
TARGET CORP COM 87612E106 385 4,146 SH   SOLE   4,146 0 0
ISHARES INC EWH ETF 464286871 376 18,850 SH   SOLE   18,850 0 0
LILLY ELI & CO COM 532457108 375 2,702 SH   SOLE   2,002 0 700
INTEL CORP COM 458140100 374 6,909 SH   SOLE   6,887 0 22
INTERNATIONAL BUSINESS MACHS COM 459200101 368 3,317 SH   SOLE   3,317 0 0
VMWARE INC COM 928563402 363 3,000 SH   SOLE   3,000 0 0
LAM RESEARCH CORP COM 512807108 360 1,500 SH   SOLE   1,500 0 0
BOEING CO COM 097023105 359 2,409 SH   SOLE   2,409 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 351 26,200 SH   SOLE   26,200 0 0
INGREDION INC COM 457187102 349 4,625 SH   SOLE   4,625 0 0
THERAVANCE BIOPHARMA INC COM G8807B106 342 14,800 SH   SOLE   14,800 0 0
WASTE MGMT INC DEL COM 94106L109 337 3,643 SH   SOLE   3,643 0 0
TEXAS PAC LD TR SUB CTF PROP I T 882610108 333 875 SH   SOLE   875 0 0
ISHARES TR IWF ETF 464287614 332 2,207 SH   SOLE   2,207 0 0
ISHARES TR IJH ETF 464287507 329 2,284 SH   SOLE   2,284 0 0
UNITIL CORP COM 913259107 327 6,253 SH   SOLE   6,253 0 0
WD-40 CO COM 929236107 325 1,616 SH   SOLE   1,591 0 25
QORVO INC COM 74736K101 323 4,000 SH   SOLE   4,000 0 0
HUMANA INC COM 444859102 314 1,000 SH   SOLE   1,000 0 0
DUKE ENERGY CORP NEW COM 26441C204 313 3,864 SH   SOLE   3,864 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 313 5,615 SH   SOLE   5,615 0 0
UNITED PARCEL SERVICE INC CL B 911312106 308 3,301 SH   SOLE   3,301 0 0
GENMAB A/S ADS 372303206 294 13,897 SH   SOLE   13,897 0 0
M & T BK CORP COM 55261F104 294 2,838 SH   SOLE   2,838 0 0
VANGUARD INDEX FDS VUG ETF 922908736 293 1,865 SH   SOLE   1,799 0 66
UNITED THERAPEUTICS CORP DEL COM 91307C102 284 3,000 SH   SOLE   3,000 0 0
NEXTERA ENERGY INC COM 65339F101 275 1,142 SH   SOLE   1,142 0 0
MCKESSON CORP COM 58155Q103 275 2,034 SH   SOLE   2,034 0 0
MGE ENERGY INC COM 55277P104 275 4,200 SH   SOLE   4,200 0 0
HDFC BANK LTD ADS 40415F101 269 7,000 SH   SOLE   7,000 0 0
PACIRA BIOSCIENCES COM 695127100 268 8,000 SH   SOLE   8,000 0 0
HOLOGIC INC COM 436440101 263 7,500 SH   SOLE   7,500 0 0
VANGUARD INDEX FDS VXF ETF 922908652 257 2,834 SH   SOLE   2,834 0 0
ARROW FINL CORP COM 042744102 250 8,969 SH   SOLE   8,969 0 0
SPDR SER TR SDY ETF 78464A763 247 3,093 SH   SOLE   3,093 0 0
ISHARES TR IWD ETF 464287598 240 2,424 SH   SOLE   2,424 0 0
ISHARES TR FXI ETF 464287184 238 6,345 SH   SOLE   6,345 0 0
ISHARES TR ISTB ETF 46432F859 236 4,674 SH   SOLE   4,633 0 41
CISCO SYS INC COM 17275R102 231 5,884 SH   SOLE   5,884 0 0
TELUS CORPORATION COM 87971M103 229 14,520 SH   SOLE   14,520 0 0
LOEWS CORP COM 540424108 225 6,469 SH   SOLE   6,469 0 0
MYLAN NV SHS EURO N59465109 224 15,000 SH   SOLE   15,000 0 0
TJX COS INC NEW COM 872540109 221 4,615 SH   SOLE   4,615 0 0
NEUBERGER BRMAN NY MUNI FD I COM 64124K102 219 18,940 SH   SOLE   18,940 0 0
EATON VANCE TAX MNGED BUY WR COM 27828X100 216 17,734 SH   SOLE   17,734 0 0
ACADIA PHARMACEUTICALS INC COM 004225108 211 5,000 SH   SOLE   5,000 0 0
ISHARES TR IJR ETF 464287804 209 3,721 SH   SOLE   2,614 0 1,107
RADIUS HEALTH INC COM 750469207 208 16,000 SH   SOLE   16,000 0 0
HORIZON THERAPEUTICS PUB LTD COM G46188101 207 7,000 SH   SOLE   7,000 0 0
UNITED TECHNOLOGIES CORP COM 913017109 206 2,187 SH   SOLE   2,187 0 0
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 205 9,297 SH   SOLE   9,297 0 0
GILEAD SCIENCES INC COM 375558103 202 2,700 SH   SOLE   2,700 0 0
VANGUARD INDEX FDS Voo ETF 922908363 202 853 SH   SOLE   578 0 275
ALLERGAN PLC SHS G0177J108 202 1,140 SH   SOLE   1,140 0 0
GENERAL ELECTRIC CO COM 369604103 168 21,184 SH   SOLE   21,184 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 155 22,000 SH   SOLE   22,000 0 0
MGIC INVT CORP WIS COM 552848103 127 20,000 SH   SOLE   20,000 0 0
TRUSTCO BK CORP N Y COM 898349105 122 22,506 SH   SOLE   22,506 0 0
KEYCORP COM 493267108 107 10,314 SH   SOLE   10,314 0 0
ENDOLOGIX INC COM 29266S304 45 65,000 SH   SOLE   65,000 0 0
AURORA CANNABIS INC COM 05156X108 13 14,191 SH   SOLE   14,191 0 0
CONFORMIS INC COM 20717E101 6 10,000 SH   SOLE   10,000 0 0