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
INVESCO QQQ TR QQQ ETF 46090E103 44,250 178,716 SH   SOLE   0 169,553 9,163
ISHARES TR IVV ETF 464287200 26,662 86,094 SH   SOLE   0 84,044 2,050
MICROSOFT CORP COM 594918104 17,746 87,198 SH   SOLE   0 83,069 4,129
SPDR S&P 500 ETF TR SPY ETR 78462F103 16,627 53,921 SH   SOLE   0 51,026 2,895
AMAZON COM INC COM 023135106 14,615 5,297 SH   SOLE   0 5,042 255
VISA INC COM 92826C839 13,364 69,183 SH   SOLE   0 66,302 2,881
FIDELITY COVINGTON TR FTEC ETF 316092808 12,967 157,678 SH   SOLE   0 152,105 5,573
APPLE INC COM 037833100 12,714 34,851 SH   SOLE   0 33,288 1,563
ISHARES TR IBB ETF 464287556 10,173 74,421 SH   SOLE   0 71,625 2,796
MCDONALDS CORP COM 580135101 8,708 47,205 SH   SOLE   0 45,148 2,057
UNITEDHEALTH GROUP INC COM 91324P102 7,768 26,335 SH   SOLE   0 24,894 1,441
WALMART INC COM 931142103 7,046 58,823 SH   SOLE   0 56,192 2,631
SALESFORCE COM INC COM 79466L302 6,565 35,047 SH   SOLE   0 32,876 2,171
JOHNSON & JOHNSON COM 478160104 6,414 45,612 SH   SOLE   0 44,167 1,445
JPMORGAN CHASE & CO COM 46625H100 6,276 66,724 SH   SOLE   0 64,519 2,205
LOCKHEED MARTIN CORP COM 539830109 5,879 16,109 SH   SOLE   0 15,255 854
MASTERCARD INCORPORATED COM 57636Q104 5,712 19,318 SH   SOLE   0 18,206 1,112
ISHARES TR IJR ETF 464287804 5,564 81,480 SH   SOLE   0 76,394 5,086
ISHARES TR ITOT ETF 464287150 5,243 75,506 SH   SOLE   0 70,587 4,919
NVIDIA CORPORATION COM 67066G104 5,076 13,360 SH   SOLE   0 12,420 940
SPDR DOW JONES INDL AVE DIA ETF 78467X109 4,658 18,065 SH   SOLE   0 16,671 1,394
ISHARES INC IEMG ETF 46434G103 3,846 80,797 SH   SOLE   0 76,009 4,788
ISHARES TR LQD ETF 464287242 3,551 26,403 SH   SOLE   0 26,272 131
ISHARES TR SHY ETF 464287457 3,234 37,340 SH   SOLE   0 36,737 603
CITRIX SYS INC COM 177376100 2,974 20,107 SH   SOLE   0 19,065 1,042
PEPSICO INC COM 713448108 2,805 21,211 SH   SOLE   0 19,841 1,370
COSTCO WHSL CORP NEW COM 22160K105 2,614 8,621 SH   SOLE   0 7,842 779
ISHARES TR IEFA ETF 46432F842 2,203 38,536 SH   SOLE   0 36,775 1,761
ADVANCED MICRO DEVICES INC COM 007903107 2,182 41,468 SH   SOLE   0 39,036 2,432
VERIZON COMMUNICATIONS INC COM 92343V104 1,987 36,050 SH   SOLE   0 34,350 1,700
CONSOLIDATED EDISON INC COM 209115104 1,982 27,551 SH   SOLE   0 27,251 300
ISHARES TR AGG ETF 464287226 1,946 16,459 SH   SOLE   0 16,287 172
MERCK & CO. INC COM 58933Y105 1,819 23,525 SH   SOLE   0 23,525 0
PROCTER AND GAMBLE CO COM 742718109 1,733 14,493 SH   SOLE   0 14,493 0
FIDELITY MERRIMACK STR FBND ETF 316188309 1,569 29,101 SH   SOLE   0 28,493 608
ISHARES TR FXI ETF 464287184 1,511 38,066 SH   SOLE   0 36,294 1,772
ISHARES TR IEF ETF 464287440 1,497 12,284 SH   SOLE   0 12,250 34
WENDYS CO COM 95058W100 1,257 57,745 SH   SOLE   0 56,818 927
PAYPAL HLDGS INC COM 70450Y103 1,236 7,092 SH   SOLE   0 7,092 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,221 19,814 SH   SOLE   0 18,287 1,527
NOVARTIS AG ADR 66987V109 1,218 13,950 SH   SOLE   0 13,950 0
DOLLAR GEN CORP NEW COM 256677105 1,192 6,257 SH   SOLE   0 5,557 700
INVESCO EXCHANGE-TRADED VRP ETF 46138G870 1,164 49,699 SH   SOLE   0 48,597 1,102
INTEL CORP COM 458140100 1,141 19,065 SH   SOLE   0 19,043 22
VANGUARD BD INDEX FDS BND ETF 921937835 1,138 12,872 SH   SOLE   0 12,803 69
PIMCO ETF TR MINT ETF 72201R833 1,132 11,132 SH   SOLE   0 11,132 0
UNION PAC CORP COM 907818108 1,127 6,668 SH   SOLE   0 6,668 0
EXXON MOBIL CORP COM 30231G102 1,121 25,056 SH   SOLE   0 22,406 2,650
BLACKSTONE GROUP INC COM 09260D107 1,081 19,083 SH   SOLE   0 17,783 1,300
ALIBABA GROUP HLDG LTD ADS 01609W102 1,043 4,835 SH   SOLE   0 4,835 0
AT&T INC COM 00206R102 1,001 33,125 SH   SOLE   0 33,125 0
ABBOTT LABS COM 002824100 986 10,788 SH   SOLE   0 10,788 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 968 8,000 SH   SOLE   0 8,000 0
TG THERAPEUTICS INC COM 88322Q108 951 48,800 SH   SOLE   0 48,800 0
LILLY ELI & CO COM 532457108 936 5,702 SH   SOLE   0 5,002 700
ALPHABET INC GOOGL CAP STK CL A 02079K305 922 650 SH   SOLE   0 596 54
SANOFI ADR 80105N105 919 18,000 SH   SOLE   0 18,000 0
DISNEY WALT CO COM 254687106 918 8,234 SH   SOLE   0 7,629 605
ISHARES TR PFF ETF 464288687 895 25,861 SH   SOLE   0 25,527 334
VANGUARD INDEX FDS VTI ETF 922908769 859 5,486 SH   SOLE   0 5,326 160
MARATHON PETE CORP COM 56585A102 848 22,677 SH   SOLE   0 20,877 1,800
MYLAN NV COM N59465109 788 49,000 SH   SOLE   0 49,000 0
GENERAL MLS INC COM 370334104 773 12,534 SH   SOLE   0 12,534 0
ISHARES TR IJH ETF 464287507 753 4,236 SH   SOLE   0 4,067 169
ASTRAZENECA PLC ADR 046353108 748 14,150 SH   SOLE   0 14,150 0
TARGET CORP COM 87612E106 725 6,047 SH   SOLE   0 6,047 0
BOSTON SCIENTIFIC CORP COM 101137107 702 20,000 SH   SOLE   0 20,000 0
BRISTOL-MYERS SQUIBB CO COM 110122108 683 11,619 SH   SOLE   0 11,119 500
ISHARES TR TIP ETF 464287176 659 5,355 SH   SOLE   0 5,343 12
INTERNATIONAL BUSINESS MACHS COM 459200101 652 5,396 SH   SOLE   0 5,396 0
AMGEN INC COM 031162100 641 2,717 SH   SOLE   0 2,717 0
FACEBOOK INC COM 30303M102 637 2,807 SH   SOLE   0 2,807 0
QORVO INC COM 74736K101 632 5,720 SH   SOLE   0 5,720 0
BROADCOM INC COM 11135F101 628 1,991 SH   SOLE   0 1,991 0
ATLASSIAN CORP PLC COM G06242104 597 3,312 SH   SOLE   0 3,256 56
JD.COM INC ADR 47215P106 578 9,600 SH   SOLE   0 9,600 0
ISHARES TR TLT ETF 464287432 567 3,460 SH   SOLE   0 3,422 38
AMER STATES WTR CO COM 029899101 550 7,000 SH   SOLE   0 7,000 0
LAM RESEARCH CORP COM 512807108 550 1,700 SH   SOLE   0 1,700 0
PFIZER INC COM 717081103 530 16,210 SH   SOLE   0 16,210 0
CATERPILLAR INC DEL COM 149123101 486 3,840 SH   SOLE   0 3,340 500
THERAVANCE BIOPHARMA INC COM G8807B106 483 23,000 SH   SOLE   0 23,000 0
GENMAB A/S ADS 372303206 471 13,897 SH   SOLE   0 13,897 0
HONEYWELL INTL INC COM 438516106 467 3,228 SH   SOLE   0 3,228 0
VMWARE INC CL A COM 928563402 465 3,000 SH   SOLE   0 3,000 0
TEXAS INSTRS INC COM 882508104 464 3,653 SH   SOLE   0 3,653 0
SPDR INDEX SHS FDS GXC ETF 78463X400 462 4,400 SH   SOLE   0 4,400 0
HALOZYME THERAPEUTICS INC COM 40637H109 456 17,000 SH   SOLE   0 17,000 0
ALEXION PHARMACEUTICALS INC COM 015351109 443 3,950 SH   SOLE   0 3,950 0
COCA COLA CO COM 191216100 441 9,869 SH   SOLE   0 9,769 100
NOVO-NORDISK A S ADR 670100205 439 6,701 SH   SOLE   0 6,701 0
ISHARES INC EWH ETF 464286871 403 18,850 SH   SOLE   0 18,850 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 389 22,000 SH   SOLE   0 22,000 0
HORIZON THERAPEUTICS PUB LTD COM G46188101 389 7,000 SH   SOLE   0 7,000 0
HUMANA INC COM 444859102 388 1,000 SH   SOLE   0 1,000 0
WASTE MGMT INC DEL COM 94106L109 388 3,665 SH   SOLE   0 3,665 0
INGREDION INC COM 457187102 384 4,625 SH   SOLE   0 4,625 0
VANGUARD INDEX FDS VUG ETF 922908736 377 1,865 SH   SOLE   0 1,799 66
UNITED PARCEL SERVICE INC COM 911312106 367 3,303 SH   SOLE   0 3,303 0
ANTHEM INC COM 036752103 358 1,363 SH   SOLE   0 1,363 0
TRUSTCO BK CORP N Y COM 898349105 356 56,270 SH   SOLE   0 56,270 0
ISHARES TR IWF ETF 464287614 348 1,811 SH   SOLE   0 1,811 0
ALGONQUIN PWR UTILS CORP COM 015857105 339 26,200 SH   SOLE   0 26,200 0
VANGUARD INDEX FDS VXF ETF 922908652 335 2,834 SH   SOLE   0 2,834 0
CIGNA CORP NEW COM 125523100 331 1,764 SH   SOLE   0 1,764 0
DROPBOX INC COM 26210C104 327 15,000 SH   SOLE   0 15,000 0
BLACKROCK INC COM 09247X101 327 601 SH   SOLE   0 601 0
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 326 14,007 SH   SOLE   0 14,007 0
WD-40 CO COM 929236107 321 1,616 SH   SOLE   0 1,591 25
HDFC BANK LTD ADS 40415F101 318 7,000 SH   SOLE   0 7,000 0
DUKE ENERGY CORP NEW COM 26441C204 317 3,964 SH   SOLE   0 3,964 0
CISCO SYS INC COM 17275R102 298 6,386 SH   SOLE   0 6,386 0
ABBVIE INC COM 00287Y109 295 3,004 SH   SOLE   0 2,504 500
KLA CORP COM 482480100 292 1,500 SH   SOLE   0 1,500 0
NEUBERGER BRMAN NY NBO COM 64124K102 292 25,240 SH   SOLE   0 25,240 0
M & T BK CORP COM 55261F104 283 2,719 SH   SOLE   0 2,719 0
UNITIL CORP COM 913259107 280 6,253 SH   SOLE   0 6,253 0
SPDR SER TR SDY ETF 78464A763 275 3,016 SH   SOLE   0 3,016 0
NEXTERA ENERGY INC COM 65339F101 274 1,142 SH   SOLE   0 1,142 0
MGE ENERGY INC COM 55277P104 271 4,200 SH   SOLE   0 4,200 0
ARROW FINL CORP COM 042744102 267 8,969 SH   SOLE   0 8,969 0
BOEING CO COM 097023105 266 1,451 SH   SOLE   0 1,451 0
RADIUS HEALTH INC COM 750469207 245 18,000 SH   SOLE   0 18,000 0
EATON VANCE TAX MNGED BUY WR COM 27828X100 244 17,504 SH   SOLE   0 17,504 0
TELUS CORPORATION COM 87971M103 244 14,520 SH   SOLE   0 14,520 0
TJX COS INC NEW COM 872540109 242 4,785 SH   SOLE   0 4,785 0
ACADIA PHARMACEUTICALS INC COM 004225108 242 5,000 SH   SOLE   0 5,000 0
VANGUARD INDEX FDS VOO ETF 922908363 242 853 SH   SOLE   0 578 275
ISHARES TR ISTB ETF 46432F859 241 4,674 SH   SOLE   0 4,633 41
QUEST DIAGNOSTICS INC COM 74834L100 240 2,105 SH   SOLE   0 2,105 0
CITIGROUP INC COM 172967424 238 4,654 SH   SOLE   0 4,654 0
HOME DEPOT INC COM 437076102 232 928 SH   SOLE   0 778 150
ISHARES TR IWD ETF 464287598 227 2,014 SH   SOLE   0 2,014 0
ISHARES TR OEF ETF 464287101 226 1,586 SH   SOLE   0 1,579 7
BK OF AMERICA CORP COM 060505104 223 9,391 SH   SOLE   0 9,391 0
NUVASIVE INC COM 670704105 223 4,000 SH   SOLE   0 4,000 0
TEXAS PAC LD TR COM 882610108 223 375 SH   SOLE   0 375 0
SPDR SER TR CWB ETF 78464A359 220 3,638 SH   SOLE   0 3,638 0
ISHARES TR IJJ ETF 464287705 220 1,652 SH   SOLE   0 1,219 433
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 220 1,800 SH   SOLE   0 1,800 0
LOEWS CORP COM 540424108 213 6,219 SH   SOLE   0 6,219 0
ISHARES TR IJK ETF 464287606 213 949 SH   SOLE   0 593 356
GILEAD SCIENCES INC COM 375558103 208 2,704 SH   SOLE   0 2,704 0
ORACLE CORP COM 68389X105 207 3,739 SH   SOLE   0 3,739 0
ISHARES TR NYF ETF 464288323 201 3,500 SH   SOLE   0 3,500 0
EATON CORP PLC COM G29183103 200 2,288 SH   SOLE   0 2,288 0
KEYCORP COM 493267108 154 12,628 SH   SOLE   0 12,628 0
GENERAL ELECTRIC CO COM 369604103 131 19,184 SH   SOLE   0 19,184 0
FORD MTR CO DEL COM 345370860 126 20,717 SH   SOLE   0 9,217 11,500
MYRIAD GENETICS INC COM 62855J104 113 10,000 SH   SOLE   0 10,000 0
ENDOLOGIX INC COM 29266S304 52 65,000 SH   SOLE   0 65,000 0
MENLO THERAPEUTICS INC COM 586858102 20 11,419 SH   SOLE   0 11,419 0
CONFORMIS INC COM 20717E101 8 10,000 SH   SOLE   0 10,000 0