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
INVESCO QQQ TR ETF 46090E103 48,837 153,033 SH   SOLE   144,091 0 8,942
ISHARES TR IVV ETF 464287200 36,772 92,433 SH   SOLE   87,766 0 4,667
SPDR S&P 500 ETF TR SPY ETF 78462F103 20,831 52,561 SH   SOLE   49,298 0 3,263
MICROSOFT CORP COM 594918104 19,279 81,768 SH   SOLE   74,748 0 7,020
APPLE INC COM 037833100 15,483 126,754 SH   SOLE   119,809 0 6,945
VISA INC COM CL A 92826C839 14,979 70,745 SH   SOLE   66,423 0 4,322
AMAZON COM INC COM 023135106 14,819 4,789 SH   SOLE   4,396 0 393
ISHARES TR IJR ETF 464287804 14,347 132,191 SH   SOLE   122,657 0 9,534
FIDELITY COVINGTON FTEC ETF 316092808 13,794 130,300 SH   SOLE   120,976 0 9,324
ISHARES TR IJH ETF 464287507 12,141 46,646 SH   SOLE   43,529 0 3,117
ISHARES TR IBB ETF 464287556 11,195 74,354 SH   SOLE   69,976 0 4,378
JPMORGAN CHASE & CO COM 46625H100 10,677 70,138 SH   SOLE   65,012 0 5,126
WALMART INC COM 931142103 10,613 78,136 SH   SOLE   74,217 0 3,919
MCDONALDS CORP COM 580135101 10,530 46,981 SH   SOLE   43,538 0 3,443
UNITEDHEALTH GROUP INC COM 91324P102 10,302 27,688 SH   SOLE   26,401 0 1,287
SALESFORCE COM INC COM 79466L302 9,685 45,711 SH   SOLE   42,430 0 3,281
JOHNSON & JOHNSON COM 478160104 8,911 54,221 SH   SOLE   51,300 0 2,921
NVIDIA CORPORATION COM 67066G104 8,785 16,453 SH   SOLE   15,339 0 1,114
ISHARES TR ITOT ETF 464287150 6,810 74,337 SH   SOLE   65,766 0 8,571
MASTERCARD INCORPORATED CL A 57636Q104 6,089 17,101 SH   SOLE   15,248 0 1,853
LOCKHEED MARTIN CORP COM 539830109 6,033 16,329 SH   SOLE   15,304 0 1,025
SPDR DOW JONES INDL AV DIA ETF 78467X109 5,823 17,635 SH   SOLE   16,347 0 1,288
ISHARES INC IEMG ETF 46434G103 5,299 82,332 SH   SOLE   74,717 0 7,615
ADVANCED MICRO DEVICES INC COM 007903107 5,102 64,989 SH   SOLE   60,604 0 4,385
HOME DEPOT INC COM 437076102 3,592 11,768 SH   SOLE   10,817 0 951
ISHARES TR LQD ETF 464287242 3,475 26,718 SH   SOLE   26,586 0 132
COSTCO WHSL CORP NEW COM 22160K105 3,451 9,791 SH   SOLE   9,080 0 711
PROCTER AND GAMBLE CO COM 742718109 3,274 24,171 SH   SOLE   23,418 0 753
ISHARES TR SHY ETF 464287457 3,192 37,035 SH   SOLE   36,418 0 617
ISHARES TR IEFA ETF 46432F842 2,981 41,370 SH   SOLE   38,374 0 2,996
PEPSICO INC COM 713448108 2,966 20,969 SH   SOLE   20,267 0 702
TARGET CORP COM 87612E106 2,875 14,514 SH   SOLE   14,014 0 500
AMGEN INC COM 031162100 2,388 9,598 SH   SOLE   9,204 0 394
PAYPAL HLDGS INC COM 70450Y103 2,363 9,730 SH   SOLE   9,280 0 450
TG THERAPEUTICS INC COM 88322Q108 2,352 48,800 SH   SOLE   48,800 0 0
ISHARES TR IJJ ETF 464287705 2,103 20,629 SH   SOLE   19,171 0 1,458
LILLY ELI & CO COM 532457108 2,098 11,232 SH   SOLE   10,532 0 700
VERIZON COMMUNICATIONS INC COM 92343V104 2,068 35,557 SH   SOLE   33,715 0 1,842
ISHARES TR AGG ETF 464287226 2,030 17,837 SH   SOLE   17,649 0 188
ALIBABA GROUP HLDG LTD ADS 01609W102 1,979 8,730 SH   SOLE   8,456 0 274
ALPHABET INC CAP STK CL A 02079K305 1,815 880 SH   SOLE   880 0 0
MERCK & CO. INC COM 58933Y105 1,798 23,328 SH   SOLE   23,328 0 0
FIDELITY COVINGTON FBND ETF 316188309 1,720 32,809 SH   SOLE   32,048 0 761
FISERV INC COM 337738108 1,717 14,424 SH   SOLE   14,424 0 0
ISHARES TR FXI ETF 464287184 1,711 36,658 SH   SOLE   33,730 0 2,928
DISNEY WALT CO COM 254687106 1,624 8,799 SH   SOLE   8,677 0 122
DOLLAR GEN CORP NEW COM 256677105 1,561 7,706 SH   SOLE   6,506 0 1,200
UNION PAC CORP COM 907818108 1,461 6,629 SH   SOLE   6,629 0 0
JD.COM INC ADR 47215P106 1,458 17,288 SH   SOLE   17,288 0 0
ISHARES TR IEF ETF 464287440 1,450 12,839 SH   SOLE   12,767 0 72
FACEBOOK INC CL A 30303M102 1,408 4,781 SH   SOLE   4,781 0 0
BLACKSTONE GROUP INC COM 09260D107 1,404 18,844 SH   SOLE   17,175 0 1,669
PINDUODUO INC ADS 722304102 1,339 10,000 SH   SOLE   10,000 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 1,338 8,000 SH   SOLE   8,000 0 0
LAM RESEARCH CORP COM 512807108 1,318 2,215 SH   SOLE   2,215 0 0
ATLASSIAN CORP PLC CL A G06242104 1,265 6,002 SH   SOLE   5,563 0 439
ABBOTT LABS COM 002824100 1,252 10,445 SH   SOLE   10,445 0 0
INVESCO EXCH TRADED FD VRP ETF 46138G870 1,198 46,369 SH   SOLE   46,097 0 272
VANGUARD INDEX FDS VTI ETF 922908769 1,144 5,534 SH   SOLE   5,357 0 177
APPLIED MATLS INC COM 038222105 1,129 8,451 SH   SOLE   8,451 0 0
WENDYS CO COM 95058W100 1,124 55,489 SH   SOLE   55,489 0 0
BOSTON SCIENTIFIC CORP COM 101137107 1,123 29,060 SH   SOLE   29,060 0 0
PIMCO ETF TR MINT ETF 72201R833 1,119 10,978 SH   SOLE   10,978 0 0
NUVASIVE INC COM 670704105 1,115 17,000 SH   SOLE   17,000 0 0
VANGUARD BD INDEX BND ETF 921937835 1,073 12,668 SH   SOLE   12,580 0 88
ISHARES TR PFF ETF 464288687 1,053 27,413 SH   SOLE   26,845 0 568
QORVO INC COM 74736K101 1,042 5,704 SH   SOLE   5,704 0 0
BROADCOM INC COM 11135F101 993 2,142 SH   SOLE   2,142 0 0
ASTRAZENECA PLC ADR 046353108 984 19,800 SH   SOLE   19,800 0 0
AT&T INC COM 00206R102 982 32,439 SH   SOLE   32,439 0 0
NXP SEMICONDUCTORS N V COM N6596X109 907 4,505 SH   SOLE   4,505 0 0
GENMAB A/S ADS 372303206 883 26,897 SH   SOLE   26,897 0 0
VIATRIS INC COM 92556V106 813 58,180 SH   SOLE   58,180 0 0
GENERAL MLS INC COM 370334104 769 12,534 SH   SOLE   12,534 0 0
NIKE INC CL B 654106103 750 5,646 SH   SOLE   5,646 0 0
CATERPILLAR INC COM 149123101 746 3,215 SH   SOLE   3,215 0 0
ANTHEM INC COM 036752103 714 1,988 SH   SOLE   1,988 0 0
HONEYWELL INTL INC COM 438516106 695 3,203 SH   SOLE   3,203 0 0
TEXAS INSTRS INC COM 882508104 690 3,653 SH   SOLE   3,653 0 0
ISHARES TR TIP ETF 464287176 686 5,470 SH   SOLE   5,456 0 14
UNITED PARCEL SERVICE INC CL B 911312106 587 3,456 SH   SOLE   3,456 0 0
TESLA INC COM 88160R101 579 867 SH   SOLE   867 0 0
SPDR INDEX SHS FDS GXC ETF 78463X400 576 4,400 SH   SOLE   4,400 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 570 22,000 SH   SOLE   22,000 0 0
HORIZON THERAPEUTICS PUB L SHS G46188101 552 6,000 SH   SOLE   6,000 0 0
ABBVIE INC COM 00287Y109 545 5,039 SH   SOLE   4,539 0 500
HDFC BANK LTD ADS 40415F101 544 7,000 SH   SOLE   7,000 0 0
AMER STATES WTR CO COM 029899101 529 7,000 SH   SOLE   7,000 0 0
COCA COLA CO COM 191216100 520 9,869 SH   SOLE   9,769 0 100
PFIZER INC COM 717081103 515 14,225 SH   SOLE   14,225 0 0
VANGUARD INDEX FDS VXF ETF 922908652 504 2,849 SH   SOLE   882 0 1,967
ADOBE SYSTEMS INCORPORATED COM 00724F101 502 1,055 SH   SOLE   1,055 0 0
ISHARES INC EWH ETF 464286871 501 18,850 SH   SOLE   18,850 0 0
KLA CORP COM NEW 482480100 496 1,500 SH   SOLE   1,500 0 0
VANGUARD INDEX FDS VUG ETF 922908736 492 1,915 SH   SOLE   1,849 0 66
ISHARES TR TLT ETF 464287432 490 3,621 SH   SOLE   3,565 0 56
WASTE MGMT INC DEL COM 94106L109 480 3,722 SH   SOLE   3,722 0 0
THERAVANCE BIOPHARMA INC COM G8807B106 469 23,000 SH   SOLE   17,000 0 6,000
INTERNATIONAL BUSINESS MACHS COM 459200101 464 3,479 SH   SOLE   3,468 0 11
GALAPAGOS NV ADR 36315X101 463 6,000 SH   SOLE   6,000 0 0
BLACKROCK INC BLK COM 09247X101 454 602 SH   SOLE   602 0 0
ISHARES TR IWF ETF 464287614 439 1,808 SH   SOLE   1,808 0 0
CIGNA CORP NEW COM 125523100 426 1,764 SH   SOLE   1,764 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 419 6,634 SH   SOLE   6,134 0 500
HUMANA INC COM 444859102 419 1,000 SH   SOLE   1,000 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 417 10,000 SH   SOLE   10,000 0 0
INGREDION INC COM 457187102 416 4,625 SH   SOLE   4,625 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 415 26,200 SH   SOLE   26,200 0 0
ENCOMPASS HEALTH CORP COM 29261A100 410 5,000 SH   SOLE   5,000 0 0
TRUSTCO BK CORP N Y COM 898349105 404 54,758 SH   SOLE   54,758 0 0
WD-40 CO COM 929236107 403 1,316 SH   SOLE   1,186 0 130
BOEING CO COM 097023105 391 1,534 SH   SOLE   1,534 0 0
FORD MTR CO DEL COM 345370860 384 31,306 SH   SOLE   31,306 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 378 5,000 SH   SOLE   5,000 0 0
M & T BK CORP COM 55261F104 375 2,475 SH   SOLE   2,475 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 369 3,822 SH   SOLE   3,753 0 69
ISHARES TR IJK ETF 464287606 352 4,496 SH   SOLE   3,072 0 1,424
ARROW FINL CORP COM 042744102 349 10,474 SH   SOLE   10,196 0 278
SPDR SER TR SDY ETF 78464A763 346 2,929 SH   SOLE   2,929 0 0
NEXTERA ENERGY INC COM 65339F101 345 4,568 SH   SOLE   304 0 4,264
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 342 14,607 SH   SOLE   14,607 0 0
ALTRIA GROUP INC COM 02209S103 336 6,558 SH   SOLE   5,558 0 1,000
EXXON MOBIL CORP COM 30231G102 319 5,707 SH   SOLE   4,230 0 1,477
EATON CORP PLC SHS G29183103 316 2,288 SH   SOLE   2,288 0 0
TJX COS INC NEW COM 872540109 314 4,751 SH   SOLE   4,751 0 0
VANGUARD INDEX FDS VOO ETF 922908363 311 853 SH   SOLE   578 0 275
NEUBERGER BRMAN NY MUNI FD I COM 64124K102 310 25,240 SH   SOLE   25,240 0 0
ISHARES TR IWD ETF 464287598 305 2,014 SH   SOLE   2,014 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 305 3,951 SH   SOLE   3,951 0 0
INTEL CORP COM 458140100 301 4,702 SH   SOLE   4,680 0 22
VMWARE INC CL A COM 928563402 301 2,000 SH   SOLE   2,000 0 0
TELUS CORPORATION COM 87971M103 289 14,520 SH   SOLE   14,520 0 0
SPDR SER TR CWB ETF 78464A359 286 3,431 SH   SOLE   3,431 0 0
ISHARES TR OEF ETF 464287101 276 1,536 SH   SOLE   1,519 0 17
DOW INC COM 260557103 270 4,230 SH   SOLE   3,030 0 1,200
ZILLOW GROUP INC CL A 98954M101 268 2,040 SH   SOLE   2,040 0 0
EATON VANCE TAX MNGED ETB COM 27828X100 265 16,843 SH   SOLE   15,934 0 909
LOEWS CORP COM 540424108 263 5,119 SH   SOLE   5,119 0 0
GENERAL ELECTRIC CO COM 369604103 257 19,545 SH   SOLE   19,545 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 251 1,800 SH   SOLE   1,800 0 0
ALPS ETF TR SDOG ETF 00162Q858 241 4,673 SH   SOLE   4,673 0 0
MICROSTRATEGY INC CL A NEW 594972408 241 355 SH   SOLE   355 0 0
ORACLE CORP COM 68389X105 234 3,329 SH   SOLE   3,329 0 0
ISHARES TR ISTB ETF 46432F859 230 4,480 SH   SOLE   4,439 0 41
CISCO SYS INC COM 17275R102 229 4,431 SH   SOLE   4,431 0 0
KEYCORP COM 493267108 228 11,405 SH   SOLE   11,405 0 0
CASEYS GEN STORES INC COM 147528103 227 1,050 SH   SOLE   1,050 0 0
DANAHER CORPORATION COM 235851102 220 977 SH   SOLE   977 0 0
QUALCOMM INC COM 747525103 213 1,603 SH   SOLE   1,603 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 210 1,145 SH   SOLE   1,145 0 0
NOVO-NORDISK A S ADR 670100205 209 3,102 SH   SOLE   3,102 0 0
ACADIA PHARMACEUTICALS INC COM 004225108 206 8,000 SH   SOLE   8,000 0 0
ISHARES TR IWB ETF 464287622 205 915 SH   SOLE   915 0 0
PROTHENA CORP PLC SHS G72800108 201 8,000 SH   SOLE   8,000 0 0
PPL CORP COM 69351T106 194 6,739 SH   SOLE   6,739 0 0
AMERCO COM 023586100 181 295 SH   SOLE   295 0 0
CME GROUP INC COM 12572Q105 133 650 SH   SOLE   650 0 0
EQUINIX INC COM 29444U700 105 155 SH   SOLE   155 0 0
ZYNERBA PHARMACEUTICALS INC COM 98986X109 74 16,000 SH   SOLE   16,000 0 0
CONFORMIS INC COM 20717E101 25 25,000 SH   SOLE   25,000 0 0