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 UNIT SER 1 46090E103 52,297 146,096 SH   SOLE   136,945 0 9,151
ISHARES TR IVV CORE S&P500 ETF 464287200 45,650 105,962 SH   SOLE   100,402 0 5,560
MICROSOFT CORP COM 594918104 23,490 83,320 SH   SOLE   76,587 0 6,733
SPDR S&P 500 ETF TR SPY TR UNIT 78462F103 22,252 51,852 SH   SOLE   48,627 0 3,225
ISHARES TR IJH CORE S&P MCP ETF 464287507 18,863 71,696 SH   SOLE   66,499 0 5,197
APPLE INC COM 037833100 17,365 122,722 SH   SOLE   114,128 0 8,594
AMAZON COM INC COM 023135106 17,363 5,285 SH   SOLE   4,863 0 422
VISA INC COM CL A 92826C839 15,482 69,503 SH   SOLE   65,215 0 4,288
FIDELITY COVINGTON TRUST FTEC MSCI INFO TECH I 316092808 15,465 130,360 SH   SOLE   120,999 0 9,361
ISHARES TR IJR CORE S&P SCP ETF 464287804 15,262 139,777 SH   SOLE   129,340 0 10,437
NVIDIA CORPORATION COM 67066G104 13,655 65,915 SH   SOLE   61,114 0 4,801
ISHARES TR IBB ISHARES BIOTECH 464287556 12,145 75,116 SH   SOLE   70,404 0 4,712
JPMORGAN CHASE & CO COM 46625H100 11,885 72,604 SH   SOLE   67,413 0 5,191
MCDONALDS CORP COM 580135101 11,454 47,507 SH   SOLE   44,154 0 3,353
UNITEDHEALTH GROUP INC COM 91324P102 10,982 28,105 SH   SOLE   26,718 0 1,387
ISHARES TR ITOT CORE S&P TTL STK 464287150 9,167 93,176 SH   SOLE   83,523 0 9,653
JOHNSON & JOHNSON COM 478160104 8,952 55,431 SH   SOLE   52,159 0 3,272
MASTERCARD INCORPORATED CL A 57636Q104 6,100 17,545 SH   SOLE   15,804 0 1,741
SPDR DOW JONES INDL AV DIA UT SER 1 78467X109 6,061 17,917 SH   SOLE   16,210 0 1,707
LOCKHEED MARTIN CORP COM 539830109 5,900 17,096 SH   SOLE   16,017 0 1,079
WALMART INC COM 931142103 5,616 40,294 SH   SOLE   37,867 0 2,427
ISHARES INC IEMG CORE MSCI EMKT 46434G103 5,446 88,187 SH   SOLE   80,527 0 7,660
SALESFORCE COM INC COM 79466L302 5,360 19,762 SH   SOLE   18,252 0 1,510
DICKS SPORTING GOODS INC COM 253393102 5,123 42,777 SH   SOLE   40,407 0 2,370
COSTCO WHSL CORP NEW COM 22160K105 4,561 10,149 SH   SOLE   9,312 0 837
HOME DEPOT INC COM 437076102 4,320 13,159 SH   SOLE   12,155 0 1,004
ISHARES TR IEFA CORE MSCI EAFE 46432F842 3,910 52,655 SH   SOLE   49,511 0 3,144
ISHARES TR LQD IBOXX INV CP ETF 464287242 3,658 27,495 SH   SOLE   27,363 0 132
PROCTER AND GAMBLE CO COM 742718109 3,414 34,418 SH   SOLE   33,591 0 827
TARGET CORP COM 87612E106 3,365 14,708 SH   SOLE   14,208 0 500
ISHARES TR SHY 1 3 YR TREAS BD 464287457 3,139 36,434 SH   SOLE   35,834 0 600
PEPSICO INC COM 713448108 3,123 20,764 SH   SOLE   19,978 0 786
LILLY ELI & CO COM 532457108 2,586 11,192 SH   SOLE   10,492 0 700
PAYPAL HLDGS INC COM 70450Y103 2,557 9,825 SH   SOLE   9,375 0 450
ALPHABET INC GOOGL CAP STK CL A 02079K305 2,486 930 SH   SOLE   876 0 54
ISHARES TR IJJ S&P MC 400VL ETF 464287705 2,445 23,733 SH   SOLE   23,213 0 520
ISHARES TR AGG CORE US AGGBD ET 464287226 2,211 19,252 SH   SOLE   19,150 0 102
BLACKSTONE INC COM 09260D107 2,193 18,850 SH   SOLE   17,175 0 1,675
ATLASSIAN CORP PLC CL A G06242104 2,152 5,499 SH   SOLE   5,066 0 433
FIDELITY MERRIMACK STR FBND TOTAL BD ETF 316188309 1,930 36,332 SH   SOLE   35,568 0 764
VERIZON COMMUNICATIONS INC COM 92343V104 1,885 34,902 SH   SOLE   32,925 0 1,977
JD.COM INC SPON ADR CL A 47215P106 1,838 25,438 SH   SOLE   25,438 0 0
FACEBOOK INC CL A 30303M102 1,623 4,781 SH   SOLE   4,781 0 0
ISHARES TR IEF BARCLAYS 7 10 YR 464287440 1,569 13,618 SH   SOLE   13,556 0 62
DISNEY WALT CO COM 254687106 1,563 9,242 SH   SOLE   9,120 0 122
DOLLAR GEN CORP NEW COM 256677105 1,535 7,235 SH   SOLE   6,035 0 1,200
AMGEN INC COM 031162100 1,421 6,684 SH   SOLE   6,254 0 430
UNITED THERAPEUTICS CORP DEL COM 91307C102 1,384 7,500 SH   SOLE   7,500 0 0
ISHARES TR PFF PFD AND INCM SEC 464288687 1,316 33,897 SH   SOLE   33,370 0 527
INVESCO EXCH TRADED FD VRP VAR RATE PFD 46138G870 1,305 49,785 SH   SOLE   48,785 0 1,000
UNION PAC CORP COM 907818108 1,299 6,629 SH   SOLE   6,629 0 0
BOSTON SCIENTIFIC CORP COM 101137107 1,261 29,060 SH   SOLE   29,060 0 0
LAM RESEARCH CORP COM 512807108 1,261 2,215 SH   SOLE   2,215 0 0
ISHARES TR FXI CHINA LG-CAP ETF 464287184 1,245 31,989 SH   SOLE   29,342 0 2,647
VANGUARD INDEX FDS VTI TOTAL STK MKT 922908769 1,235 5,560 SH   SOLE   5,355 0 205
ABBOTT LABS COM 002824100 1,232 10,428 SH   SOLE   10,428 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,189 19,800 SH   SOLE   19,800 0 0
FISERV INC COM 337738108 1,122 10,339 SH   SOLE   10,339 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,116 7,538 SH   SOLE   7,538 0 0
VANGUARD BD INDEX FDS BND TOTAL BND MRKT 921937835 1,074 12,566 SH   SOLE   12,478 0 88
APPLIED MATLS INC COM 038222105 1,043 8,101 SH   SOLE   8,101 0 0
BROADCOM INC COM 11135F101 1,039 2,143 SH   SOLE   2,143 0 0
PIMCO ETF TR MINT ENHAN SHRT MA AC 72201R833 1,018 9,985 SH   SOLE   9,985 0 0
NUVASIVE INC COM 670704105 1,017 17,000 SH   SOLE   17,000 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 1,002 23,509 SH   SOLE   23,509 0 0
AT&T INC COM 00206R102 960 35,549 SH   SOLE   35,549 0 0
TG THERAPEUTICS INC COM 88322Q108 958 28,800 SH   SOLE   28,800 0 0
WENDYS CO COM 95058W100 957 44,120 SH   SOLE   43,166 0 954
QORVO INC COM 74736K101 954 5,704 SH   SOLE   5,704 0 0
BAIDU INC SPON ADR REP A 056752108 940 6,115 SH   SOLE   6,115 0 0
WILLIAMS SONOMA INC COM 969904101 887 5,000 SH   SOLE   5,000 0 0
NXP SEMICONDUCTORS N V COM N6596X109 883 4,506 SH   SOLE   4,506 0 0
CIGNA CORP NEW COM 125523100 834 4,165 SH   SOLE   4,165 0 0
TRIP COM GROUP LTD ADS 89677Q107 830 27,000 SH   SOLE   27,000 0 0
NIKE INC CL B 654106103 806 5,548 SH   SOLE   5,548 0 0
ZILLOW GROUP INC CL A 98954M101 804 9,080 SH   SOLE   9,080 0 0
GENERAL MLS INC COM 370334104 750 12,534 SH   SOLE   12,534 0 0
ANTHEM INC COM 036752103 741 1,988 SH   SOLE   1,988 0 0
GENMAB A/S SPONSORED ADS 372303206 738 16,897 SH   SOLE   16,897 0 0
DARDEN RESTAURANTS INC COM 237194105 734 4,846 SH   SOLE   4,846 0 0
ISHARES TR TIPS TIPS BD ETF 464287176 709 5,552 SH   SOLE   5,530 0 22
HONEYWELL INTL INC COM 438516106 706 3,328 SH   SOLE   3,328 0 0
TEXAS INSTRS INC COM 882508104 702 3,653 SH   SOLE   3,653 0 0
TESLA INC COM 88160R101 650 838 SH   SOLE   838 0 0
PFIZER INC COM 717081103 641 14,892 SH   SOLE   14,892 0 0
CATERPILLAR INC COM 149123101 624 3,249 SH   SOLE   3,249 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 605 1,050 SH   SOLE   1,050 0 0
AMER STATES WTR CO COM 029899101 599 7,000 SH   SOLE   7,000 0 0
COCA COLA CO COM 191216100 593 11,293 SH   SOLE   11,193 0 100
UNITED PARCEL SERVICE INC CL B 911312106 579 3,181 SH   SOLE   3,181 0 0
ABBVIE INC COM 00287Y109 576 5,343 SH   SOLE   4,843 0 500
ISHARES TR TLT 20 YR TR BD ETF 464287432 559 3,872 SH   SOLE   3,829 0 43
SPDR SER TR JNK BLOOMBERG BRCLYS 78468R622 553 5,056 SH   SOLE   4,210 0 846
MERCK & CO INC COM 58933Y105 551 7,334 SH   SOLE   7,334 0 0
HORIZON THERAPEUTICS PUB L SHS G46188101 548 5,000 SH   SOLE   5,000 0 0
WASTE MGMT INC DEL COM 94106L109 546 3,658 SH   SOLE   3,658 0 0
VANGUARD INDEX FDS VUG GROWTH ETF 922908736 538 1,855 SH   SOLE   1,855 0 0
VANGUARD INDEX FDS VXF EXTEND MKT ETF 922908652 521 2,856 SH   SOLE   882 0 1,974
HDFC BANK LTD SPONSORED ADS 40415F101 512 7,000 SH   SOLE   7,000 0 0
BLACKROCK INC COM 09247X101 505 602 SH   SOLE   602 0 0
KLA CORP COM NEW 482480100 502 1,500 SH   SOLE   1,500 0 0
EXXON MOBIL CORP COM 30231G102 500 8,509 SH   SOLE   7,032 0 1,477
ISHARES TR IWF RUS 1000 GRW ETF 464287614 495 1,808 SH   SOLE   1,808 0 0
NOVO-NORDISK A S ADR 670100205 490 5,103 SH   SOLE   5,103 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 471 3,390 SH   SOLE   3,379 0 11
GOLDMAN SACHS GROUP INC COM 38141G104 454 1,200 SH   SOLE   1,200 0 0
FORD MTR CO DEL COM 345370860 440 31,066 SH   SOLE   31,066 0 0
PROTHENA CORP PLC SHS G72800108 427 6,000 SH   SOLE   6,000 0 0
INGREDION INC COM 457187102 412 4,625 SH   SOLE   4,625 0 0
MICROSTRATEGY INC CL A NEW 594972408 409 707 SH   SOLE   707 0 0
GDS HLDGS LTD SPONSORED ADS 36165L108 391 6,900 SH   SOLE   6,900 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 390 22,000 SH   SOLE   22,000 0 0
HUMANA INC COM 444859102 389 1,000 SH   SOLE   1,000 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 386 5,000 SH   SOLE   5,000 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 381 6,443 SH   SOLE   5,943 0 500
ENCOMPASS HEALTH CORP COM 29261A100 375 5,000 SH   SOLE   5,000 0 0
ARROW FINL CORP COM 042744102 375 10,928 SH   SOLE   10,642 0 286
M & T BK CORP COM 55261F104 370 2,475 SH   SOLE   2,475 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 367 25,000 SH   SOLE   25,000 0 0
ORACLE CORP COM 68389X105 366 4,196 SH   SOLE   4,196 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 363 3,718 SH   SOLE   3,649 0 69
NEXTERA ENERGY INC COM 65339F101 359 4,568 SH   SOLE   304 0 4,264
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 349 14,237 SH   SOLE   14,237 0 0
BOEING CO COM 097023105 348 1,584 SH   SOLE   1,584 0 0
EATON CORP PLC SHS G29183103 342 2,288 SH   SOLE   2,288 0 0
TRUSTCO BK CORP N Y COM NEW 898349204 339 10,592 SH   SOLE   10,592 0 0
MORGAN STANLEY COM NEW 617446448 335 3,445 SH   SOLE   3,445 0 0
ALTRIA GROUP INC COM 02209S103 333 7,308 SH   SOLE   6,308 0 1,000
RAYTHEON TECHNOLOGIES CORP COM 75513E101 333 3,878 SH   SOLE   3,878 0 0
NEUBERGER BERMAN N Y MUNNBO COM 64124K102 332 25,240 SH   SOLE   25,240 0 0
VANGUARD INDEX FDS VOO S&P 500 ETF SHS 922908363 328 832 SH   SOLE   557 0 275
SPDR SER TR SDY S&P DIVID ETF 78464A763 326 2,770 SH   SOLE   2,770 0 0
TELUS CORPORATION COM 87971M103 319 14,520 SH   SOLE   14,520 0 0
GALAPAGOS NV SPON ADR 36315X101 316 6,000 SH   SOLE   6,000 0 0
TJX COS INC NEW COM 872540109 314 4,752 SH   SOLE   4,752 0 0
ISHARES TR IWD RUS 1000 VAL ETF 464287598 312 1,994 SH   SOLE   1,994 0 0
ADVANCED MICRO DEVICES INC COM 007903107 311 3,021 SH   SOLE   2,535 0 486
WD 40 CO COM 929236107 305 1,316 SH   SOLE   1,186 0 130
BK OF AMERICA CORP COM 060505104 302 7,111 SH   SOLE   7,111 0 0
ISHARES TR OEF S&P 100 ETF 464287101 298 1,511 SH   SOLE   1,501 0 10
DANAHER CORPORATION COM 235851102 297 977 SH   SOLE   977 0 0
VMWARE INC CL A COM 928563402 297 2,000 SH   SOLE   2,000 0 0
SPDR SER TR CWB BLMBRG BRC CNVRT 78464A359 290 3,393 SH   SOLE   3,393 0 0
ISHARES TR IJK S&P MC 400GR ETF 464287606 279 3,528 SH   SOLE   2,104 0 1,424
LOEWS CORP COM 540424108 276 5,119 SH   SOLE   5,119 0 0
DOW INC COM 260557103 272 4,730 SH   SOLE   3,030 0 1,700
EATON VANCE TAX MNGED BUY WR COM 27828X100 262 16,380 SH   SOLE   15,434 0 946
INTEL CORP COM 458140100 256 4,810 SH   SOLE   4,788 0 22
CISCO SYS INC COM 17275R102 253 4,657 SH   SOLE   4,657 0 0
GENERAL ELECTRIC CO COM NEW 369604301 251 2,434 SH   SOLE   2,434 0 0
KEYCORP COM 493267108 245 11,326 SH   SOLE   11,326 0 0
MODERNA INC COM 60770K107 244 635 SH   SOLE   435 0 200
IMPEL NEUROPHARMA INC COM 45258K109 244 20,000 SH   SOLE   20,000 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 241 1,800 SH   SOLE   1,800 0 0
GLOBAL PMTS INC COM 37940X102 236 1,500 SH   SOLE   1,500 0 0
ALPHABET INC GOOG CAP STK CL C 02079K107 235 88 SH   SOLE   78 0 10
VANGUARD INDEX FDS VTV VALUE ETF 922908744 232 1,716 SH   SOLE   1,716 0 0
ISHARES TR ISTB CORE 1 5 YR USD 46432F859 229 4,480 SH   SOLE   4,439 0 41
PRUDENTIAL FINL INC COM 744320102 224 2,132 SH   SOLE   1,541 0 591
ALPS ETF TR SECTR DIV DOGS 00162Q858 223 4,373 SH   SOLE   4,373 0 0
ISHARES TR IWB RUS 1000 ETF 464287622 221 915 SH   SOLE   915 0 0
CITIGROUP INC COM NEW 172967424 207 2,953 SH   SOLE   2,953 0 0
ISHARES TR IVE S&P 500 VAL ETF 464287408 207 1,423 SH   SOLE   1,423 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 206 1,069 SH   SOLE   1,069 0 0
LAZARD LTD SHS A G54050102 206 4,500 SH   SOLE   3,000 0 1,500
HALOZYME THERAPEUTICS INC COM 40637H109 203 5,000 SH   SOLE   5,000 0 0
ARES COML REAL ESTATE CORP COM 04013V108 151 10,000 SH   SOLE   10,000 0 0
THERAVANCE BIOPHARMA INC COM G8807B106 96 13,000 SH   SOLE   7,000 0 6,000
LIQUIDIA CORPORATION COM NEW 53635D202 83 30,000 SH   SOLE   30,000 0 0
URBAN ONE INC CL A 91705J105 81 10,000 SH   SOLE   10,000 0 0
CONFORMIS INC COM 20717E101 33 25,000 SH   SOLE   25,000 0 0
ALKALINE WTR CO INC COM NEW 01643A207 16 10,000 SH   SOLE   10,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5 500 SH Put SOLE   500 0 0