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 ETF 46090E103 48,383 174,140 SH   SOLE   163,284 0 10,856
ISHARES TR IVV ETF 464287200 29,663 88,266 SH   SOLE   84,153 0 4,113
MICROSOFT CORP COM 594918104 18,414 87,547 SH   SOLE   81,099 0 6,448
SPDR S&P 500 ETF TR SPY ETF 78462F103 17,872 53,366 SH   SOLE   50,056 0 3,310
AMAZON COM INC COM 023135106 16,592 5,269 SH   SOLE   4,914 0 355
APPLE INC COM 037833100 15,566 134,406 SH   SOLE   126,482 0 7,924
FIDELITY COVINGTON TRUST FTEC ETF 316092808 14,364 156,030 SH   SOLE   145,851 0 10,179
VISA INC COM CL A 92826C839 14,214 71,082 SH   SOLE   67,130 0 3,952
MCDONALDS CORP COM 580135101 10,335 47,088 SH   SOLE   44,003 0 3,085
ISHARES TR IBB ETF 464287556 10,046 74,188 SH   SOLE   70,426 0 3,762
SALESFORCE COM INC COM 79466L302 9,020 35,892 SH   SOLE   33,254 0 2,638
NVIDIA CORPORATION COM 67066G104 8,956 16,548 SH   SOLE   15,117 0 1,431
WALMART INC COM 931142103 8,885 63,506 SH   SOLE   59,832 0 3,674
UNITEDHEALTH GROUP INC COM 91324P102 8,592 27,559 SH   SOLE   25,947 0 1,612
JOHNSON & JOHNSON COM 478160104 8,391 56,364 SH   SOLE   53,635 0 2,729
JPMORGAN CHASE & CO COM 46625H100 6,464 67,143 SH   SOLE   63,454 0 3,689
ISHARES TR SC IJR ETF 464287804 6,375 90,768 SH   SOLE   82,299 0 8,469
MASTERCARD INCORPORATED CL A 57636Q104 6,346 18,767 SH   SOLE   17,100 0 1,667
LOCKHEED MARTIN CORP COM 539830109 5,963 15,558 SH   SOLE   14,487 0 1,071
ISHARES TR ITOT ETF 464287150 5,726 75,854 SH   SOLE   67,809 0 8,045
ADVANCED MICRO DEVICES INC COM 007903107 5,184 63,223 SH   SOLE   58,464 0 4,759
SPDR DOW JONES INDL AVERAGE DIA ETF 78467X109 4,994 17,995 SH   SOLE   16,321 0 1,674
ISHARES INC IEMG ETF 46434G103 4,060 76,892 SH   SOLE   70,555 0 6,337
ISHARES TR LQD ETF 464287242 3,622 26,891 SH   SOLE   26,759 0 132
COSTCO WHSL CORP NEW COM 22160K105 3,329 9,376 SH   SOLE   8,560 0 816
ISHARES TR SHY ETF 464287457 3,232 37,364 SH   SOLE   36,740 0 624
PEPSICO INC COM 713448108 2,971 21,439 SH   SOLE   20,117 0 1,322
PROCTER AND GAMBLE CO COM 742718109 2,648 19,051 SH   SOLE   18,634 0 417
ALIBABA GROUP HLDG LTD ADS 01609W102 2,494 8,485 SH   SOLE   8,075 0 410
CONSOLIDATED EDISON INC COM 209115104 2,314 29,748 SH   SOLE   29,353 0 395
ISHARES TR IEFA ETF 46432F842 2,252 37,362 SH   SOLE   34,717 0 2,645
MERCK & CO. INC COM 58933Y105 2,224 26,815 SH   SOLE   26,565 0 250
VERIZON COMMUNICATIONS INC COM 92343V104 2,181 36,658 SH   SOLE   34,618 0 2,040
ISHARES TR AGG ETF 464287226 2,021 17,122 SH   SOLE   16,949 0 173
FIDELITY MERRIMACK STR FBND ETF 316188309 1,691 30,946 SH   SOLE   30,247 0 699
DOLLAR GEN CORP NEW COM 256677105 1,615 7,706 SH   SOLE   6,506 0 1,200
ISHARES TR CHINA FXI ETF 464287184 1,533 36,505 SH   SOLE   34,207 0 2,298
ISHARES TR IEF ETF 464287440 1,526 12,527 SH   SOLE   12,490 0 37
PAYPAL HLDGS INC COM 70450Y103 1,418 7,198 SH   SOLE   7,198 0 0
TG THERAPEUTICS INC COM 88322Q108 1,306 48,800 SH   SOLE   48,800 0 0
UNION PAC CORP COM 907818108 1,305 6,629 SH   SOLE   6,629 0 0
ALPHABET INC GOOGL CAP STK CL A 02079K305 1,290 880 SH   SOLE   826 0 54
LILLY ELI & CO COM 532457108 1,288 8,702 SH   SOLE   8,002 0 700
WENDYS CO COM 95058W100 1,286 57,689 SH   SOLE   56,675 0 1,014
INVESCO EXCH TRADED FD VRP ETF 46138G870 1,190 48,369 SH   SOLE   47,267 0 1,102
ABBOTT LABS COM 002824100 1,174 10,790 SH   SOLE   10,790 0 0
NOVO-NORDISK A S ADR 670100205 1,160 16,702 SH   SOLE   16,702 0 0
ATLASSIAN CORP PLC CL A G06242104 1,137 6,256 SH   SOLE   5,811 0 445
VANGUARD BD INDEX FDS BND ETF 921937835 1,135 12,873 SH   SOLE   12,785 0 88
PIMCO ETF TR MINT ETF 72201R833 1,135 11,132 SH   SOLE   11,132 0 0
ASTRAZENECA PLC ADR 046353108 1,126 20,550 SH   SOLE   19,800 0 750
TARGET CORP COM 87612E106 1,088 6,913 SH   SOLE   6,513 0 400
DISNEY WALT CO COM DISNEY 254687106 1,086 8,749 SH   SOLE   8,620 0 129
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,075 18,676 SH   SOLE   16,748 0 1,928
BLACKSTONE GROUP INC BX COM CL A 09260D107 1,004 19,235 SH   SOLE   17,075 0 2,160
ISHARES TR PFF ETF 464288687 978 26,836 SH   SOLE   26,312 0 524
AMGEN INC COM 031162100 969 3,814 SH   SOLE   3,814 0 0
AT&T INC COM 00206R102 943 33,086 SH   SOLE   33,086 0 0
VANGUARD INDEX FDS VTI ETF 922908769 934 5,486 SH   SOLE   5,309 0 177
HORIZON THERAPEUTICS PUB L SHS G46188101 932 12,000 SH   SOLE   12,000 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 909 9,000 SH   SOLE   9,000 0 0
SANOFI ADR 80105N105 903 18,000 SH   SOLE   18,000 0 0
FACEBOOK INC CL A 30303M102 868 3,316 SH   SOLE   3,316 0 0
EXXON MOBIL CORP COM 30231G102 842 24,513 SH   SOLE   21,386 0 3,127
MYLAN NV SHS EURO N59465109 801 54,000 SH   SOLE   54,000 0 0
ISHARES TR MC IJH ETF 464287507 790 4,264 SH   SOLE   4,059 0 205
BROADCOM INC COM 11135F101 780 2,141 SH   SOLE   2,141 0 0
GENERAL MLS INC COM 370334104 773 12,534 SH   SOLE   12,534 0 0
BOSTON SCIENTIFIC CORP COM 101137107 766 20,060 SH   SOLE   20,060 0 0
JD.COM INC ADR 47215P106 745 9,600 SH   SOLE   9,600 0 0
QORVO INC COM 74736K101 738 5,720 SH   SOLE   5,720 0 0
INTEL CORP COM 458140100 731 14,119 SH   SOLE   14,097 0 22
LAM RESEARCH CORP COM 512807108 730 2,200 SH   SOLE   2,200 0 0
ISHARES TR TIP ETF 464287176 679 5,365 SH   SOLE   5,353 0 12
ISHARES TR IJJ ETF 464287705 674 4,999 SH   SOLE   4,566 0 433
MARATHON PETE CORP COM 56585A102 665 22,677 SH   SOLE   20,783 0 1,894
NOVARTIS AG ADR 66987V109 657 7,550 SH   SOLE   7,300 0 250
ISHARES TR TLT ETF 464287432 655 4,011 SH   SOLE   3,972 0 39
CATERPILLAR INC DEL COM 149123101 566 3,796 SH   SOLE   3,296 0 500
UNITED PARCEL SERVICE INC CL B 911312106 551 3,304 SH   SOLE   3,304 0 0
NUVASIVE INC COM 670704105 534 11,000 SH   SOLE   11,000 0 0
ANTHEM INC COM 036752103 534 1,988 SH   SOLE   1,988 0 0
HONEYWELL INTL INC COM 438516106 531 3,228 SH   SOLE   3,228 0 0
AMER STATES WTR CO COM 029899101 525 7,000 SH   SOLE   7,000 0 0
SPDR INDEX SHS FDS GXC ETF 78463X400 523 4,400 SH   SOLE   4,400 0 0
TEXAS INSTRS INC COM 882508104 522 3,653 SH   SOLE   3,653 0 0
PFIZER INC COM 717081103 520 14,165 SH   SOLE   14,165 0 0
GENMAB A/S ADS 372303206 509 13,897 SH   SOLE   13,897 0 0
APPLIED MATLS INC COM 038222105 502 8,450 SH   SOLE   8,450 0 0
COCA COLA CO COM 191216100 487 9,869 SH   SOLE   9,769 0 100
ABBVIE INC COM 00287Y109 482 5,499 SH   SOLE   4,566 0 933
FISERV INC COM 337738108 466 4,524 SH   SOLE   4,524 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 447 17,000 SH   SOLE   17,000 0 0
NXP SEMICONDUCTORS N V COM N6596X109 437 3,504 SH   SOLE   3,504 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 430 22,000 SH   SOLE   22,000 0 0
VANGUARD INDEX FDS VUG ETF 922908736 424 1,865 SH   SOLE   1,799 0 66
ANGIODYNAMICS INC COM 03475V101 422 35,000 SH   SOLE   35,000 0 0
WASTE MGMT INC DEL COM 94106L109 415 3,668 SH   SOLE   3,668 0 0
HUMANA INC COM 444859102 414 1,000 SH   SOLE   1,000 0 0
ISHARES INC EWH ETF 464286871 413 18,850 SH   SOLE   18,850 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 413 3,395 SH   SOLE   3,384 0 11
BRISTOL-MYERS SQUIBB CO COM 110122108 399 6,624 SH   SOLE   6,124 0 500
ISHARES TR IWF ETF 464287614 393 1,811 SH   SOLE   1,811 0 0
DROPBOX INC CL A 26210C104 385 20,000 SH   SOLE   20,000 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 381 26,200 SH   SOLE   26,200 0 0
VANGUARD INDEX FDS VXF ETF 922908652 368 2,840 SH   SOLE   882 0 1,958
HOME DEPOT INC COM 437076102 362 1,305 SH   SOLE   1,155 0 150
INGREDION INC COM 457187102 350 4,625 SH   SOLE   4,625 0 0
HDFC BANK LTD ADS 40415F101 350 7,000 SH   SOLE   7,000 0 0
GLOBUS MED INC CL A 379577208 347 7,000 SH   SOLE   7,000 0 0
THERAVANCE BIOPHARMA INC COM G8807B106 340 23,000 SH   SOLE   17,000 0 6,000
BLACKROCK INC COM 09247X101 339 602 SH   SOLE   602 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 333 3,765 SH   SOLE   3,696 0 69
ACADIA PHARMACEUTICALS INC COM 004225108 330 8,000 SH   SOLE   8,000 0 0
ENCOMPASS HEALTH CORP COM 29261A100 325 5,000 SH   SOLE   5,000 0 0
GUGGENHEIM TAXABLE MUN MANAG COM 401664107 321 13,607 SH   SOLE   13,607 0 0
NEXTERA ENERGY INC COM 65339F101 317 1,142 SH   SOLE   76 0 1,066
WD-40 CO COM 929236107 306 1,617 SH   SOLE   1,487 0 130
CIGNA CORP NEW COM 125523100 299 1,764 SH   SOLE   1,764 0 0
TRUSTCO BK CORP N Y COM 898349105 294 56,298 SH   SOLE   56,298 0 0
NEUBERGER BRMAN NY MUNI FD I COM 64124K102 294 25,240 SH   SOLE   25,240 0 0
KLA CORP COM NEW 482480100 291 1,500 SH   SOLE   1,500 0 0
VMWARE INC CL A COM 928563402 287 2,000 SH   SOLE   2,000 0 0
ALTRIA GROUP INC COM 02209S103 281 7,272 SH   SOLE   6,272 0 1,000
SPDR SER TR SDY ETF 78464A763 279 3,016 SH   SOLE   3,016 0 0
TESLA INC COM 88160R101 266 620 SH   SOLE   620 0 0
TJX COS INC NEW COM 872540109 264 4,751 SH   SOLE   4,751 0 0
ARROW FINL CORP COM 042744102 263 10,474 SH   SOLE   10,196 0 278
MGE ENERGY INC COM 55277P104 263 4,200 SH   SOLE   4,200 0 0
VANGUARD INDEX FDS VOO ETF 922908363 262 853 SH   SOLE   578 0 275
CISCO SYS INC COM 17275R102 256 6,488 SH   SOLE   6,488 0 0
TELUS CORPORATION COM 87971M103 256 14,520 SH   SOLE   14,520 0 0
ISHARES TR OEF ETF 464287101 247 1,586 SH   SOLE   1,569 0 17
FORD MTR CO DEL COM 345370860 244 36,706 SH   SOLE   36,706 0 0
GLAXOSMITHKLINE PLC ADR 37733W105 243 6,450 SH   SOLE   6,450 0 0
UNITIL CORP COM 913259107 242 6,253 SH   SOLE   6,253 0 0
SPDR SER TR CWB ETF 78464A359 239 3,469 SH   SOLE   3,469 0 0
EATON VANCE TAX MNGED ETB COM 27828X100 239 17,524 SH   SOLE   16,204 0 1,320
ISHARES TR IWD ETF 464287598 238 2,014 SH   SOLE   2,014 0 0
INTEGER HLDGS CORP COM 45826H109 236 4,000 SH   SOLE   4,000 0 0
ISHARES TR ISTB ETF 46432F859 235 4,566 SH   SOLE   4,525 0 41
BOEING CO COM 097023105 233 1,411 SH   SOLE   1,411 0 0
EATON CORP PLC ETN SHS G29183103 233 2,288 SH   SOLE   2,288 0 0
RADIUS HEALTH INC COM NEW 750469207 232 20,500 SH   SOLE   20,500 0 0
TRANSLATE BIO INC COM 89374L104 231 17,000 SH   SOLE   17,000 0 0
M & T BK CORP COM 55261F104 228 2,475 SH   SOLE   2,475 0 0
ISHARES TR IJK ETF 464287606 227 949 SH   SOLE   593 0 356
BK OF AMERICA CORP COM 060505104 226 9,391 SH   SOLE   9,391 0 0
ORACLE CORP COM 68389X105 224 3,748 SH   SOLE   3,748 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 220 1,800 SH   SOLE   1,800 0 0
LOEWS CORP L COM 540424108 216 6,219 SH   SOLE   6,219 0 0
DANAHER CORPORATION COM 235851102 215 999 SH   SOLE   999 0 0
PPL CORP COM 69351T106 210 7,700 SH   SOLE   7,700 0 0
NIKE INC CL B 654106103 206 1,643 SH   SOLE   1,643 0 0
ISHARES TR NYF ETF 464288323 201 3,500 SH   SOLE   3,500 0 0
KEYCORP COM 493267108 151 12,629 SH   SOLE   12,629 0 0
GENERAL ELECTRIC CO COM 369604103 122 19,545 SH   SOLE   19,545 0 0
VYNE THERAPEUTICS INC COM NEW 92941V100 19 11,419 SH   SOLE   2,416 0 9,003
CONFORMIS INC COM 20717E101 8 10,000 SH   SOLE   10,000 0 0