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 56,898 143,014 SH   SOLE   133,921 0 9,093
ISHARES TR IVV ETF 464287200 51,810 108,619 SH   SOLE   102,866 0 5,753
MICROSOFT CORP COM 594918104 27,983 83,203 SH   SOLE   76,470 0 6,733
SPDR S&P 500 ETF TR SPY ETF 78462F103 24,550 51,689 SH   SOLE   48,463 0 3,226
APPLE INC COM 037833100 21,791 122,719 SH   SOLE   114,032 0 8,687
ISHARES TR IJH ETF 464287507 21,659 76,512 SH   SOLE   70,995 0 5,517
NVIDIA CORPORATION COM 67066G104 18,930 64,364 SH   SOLE   59,668 0 4,696
FIDELITY COVINGTON TR FTEC ETF 316092808 17,824 131,643 SH   SOLE   122,199 0 9,444
AMAZON COM INC COM 023135106 17,707 5,310 SH   SOLE   4,884 0 426
ISHARES TR IJR ETF 464287804 16,682 145,685 SH   SOLE   135,131 0 10,554
VISA INC COM 92826C839 15,346 70,815 SH   SOLE   66,493 0 4,322
UNITEDHEALTH GROUP INC COM 91324P102 13,937 27,756 SH   SOLE   26,345 0 1,411
MCDONALDS CORP COM 580135101 12,644 47,167 SH   SOLE   43,795 0 3,372
JPMORGAN CHASE & CO COM 46625H100 11,688 73,813 SH   SOLE   68,581 0 5,232
ISHARES TR IBB ETF 464287556 11,656 76,375 SH   SOLE   71,564 0 4,811
ISHARES TR ITOT ETF 464287150 10,082 94,241 SH   SOLE   84,602 0 9,639
JOHNSON & JOHNSON COM 478160104 9,605 56,147 SH   SOLE   52,914 0 3,233
SPDR DOW JONES INDL AV DIA ETF 78467X109 6,562 18,062 SH   SOLE   16,350 0 1,712
MASTERCARD INCORPORATED CL A 57636Q104 6,424 17,877 SH   SOLE   16,136 0 1,741
LOCKHEED MARTIN CORP COM 539830109 6,119 17,216 SH   SOLE   16,107 0 1,109
DICKS SPORTING GOODS INC COM 253393102 6,007 52,243 SH   SOLE   48,973 0 3,270
COSTCO WHSL CORP NEW COM 22160K105 5,912 10,415 SH   SOLE   9,557 0 858
HOME DEPOT INC COM 437076102 5,603 13,502 SH   SOLE   12,498 0 1,004
WALMART INC COM 931142103 5,600 38,703 SH   SOLE   36,276 0 2,427
ISHARES INC IEMG ETF 46434G103 5,338 89,170 SH   SOLE   81,421 0 7,749
SALESFORCE COM INC COM 79466L302 4,696 18,480 SH   SOLE   16,992 0 1,488
ISHARES TR IJJ ETF 464287705 4,373 39,514 SH   SOLE   38,011 0 1,503
PROCTER AND GAMBLE CO COM 742718109 3,969 24,266 SH   SOLE   23,378 0 888
ISHARES TR IEFA ETF 46432F842 3,952 52,947 SH   SOLE   49,687 0 3,260
TARGET CORP COM 87612E106 3,636 15,709 SH   SOLE   15,209 0 500
ISHARES TR LQD ETF 464287242 3,584 27,047 SH   SOLE   26,920 0 127
PEPSICO INC COM 713448108 3,498 20,137 SH   SOLE   19,351 0 786
LILLY ELI & CO COM 532457108 3,370 12,200 SH   SOLE   11,500 0 700
ALPHABET INC GOOGL CAP STK CL A 02079K305 3,056 1,055 SH   SOLE   1,001 0 54
ISHARES TR SHY ETF 464287457 3,045 35,592 SH   SOLE   34,996 0 596
FACEBOOK INC CL A 30303M102 2,927 8,703 SH   SOLE   8,703 0 0
BLACKSTONE INC COM 09260D107 2,439 18,852 SH   SOLE   17,175 0 1,677
ISHARES TR AGG ETF 464287226 2,202 19,302 SH   SOLE   19,219 0 83
ATLASSIAN CORP PLC CL A G06242104 2,091 5,484 SH   SOLE   5,051 0 433
FIDELITY MERRIMACK STR FBND ETF 316188309 1,960 36,971 SH   SOLE   36,212 0 759
PAYPAL HLDGS INC COM 70450Y103 1,883 9,985 SH   SOLE   9,535 0 450
DOLLAR GEN CORP NEW COM 256677105 1,818 7,710 SH   SOLE   6,060 0 1,650
VERIZON COMMUNICATIONS INC COM 92343V104 1,781 34,274 SH   SOLE   32,297 0 1,977
UNION PAC CORP COM 907818108 1,670 6,629 SH   SOLE   6,629 0 0
BROADCOM INC COM 11135F101 1,649 2,478 SH   SOLE   2,478 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 1,621 7,500 SH   SOLE   7,500 0 0
ARES COML REAL ESTATE CORP COM 04013V108 1,613 110,958 SH   SOLE   110,958 0 0
AMGEN INC COM 031162100 1,557 6,922 SH   SOLE   6,561 0 361
ISHARES TR IEF ETF 464287440 1,539 13,379 SH   SOLE   13,318 0 61
ISHARES TR IJS ETF 464287879 1,537 14,711 SH   SOLE   13,772 0 939
DISNEY WALT CO COM 254687106 1,502 9,700 SH   SOLE   9,578 0 122
ISHARES TR PFF ETF 464288687 1,447 36,706 SH   SOLE   36,175 0 531
ABBOTT LABS COM 002824100 1,427 10,137 SH   SOLE   10,137 0 0
NUVASIVE INC COM 670704105 1,364 26,000 SH   SOLE   26,000 0 0
VANGUARD INDEX FDS VTI ETF 922908769 1,342 5,560 SH   SOLE   5,355 0 205
APPLIED MATLS INC COM 038222105 1,296 8,237 SH   SOLE   8,237 0 0
INVESCO EXCH TRADED FD TR VRP ETF 46138G870 1,253 48,360 SH   SOLE   47,360 0 1,000
CIGNA CORP NEW COM 125523100 1,184 5,155 SH   SOLE   5,155 0 0
ISHARES TR FXI ETF 464287184 1,119 30,597 SH   SOLE   27,967 0 2,630
LAM RESEARCH CORP COM 512807108 1,090 1,515 SH   SOLE   1,515 0 0
VANGUARD BD INDEX FDS BND ETF 921937835 1,061 12,522 SH   SOLE   12,434 0 88
BLACKROCK INC COM 09247X101 1,055 1,153 SH   SOLE   1,045 0 108
WENDYS CO COM 95058W100 1,030 43,206 SH   SOLE   42,252 0 954
PIMCO ETF TR MINT ETF 72201R833 1,014 9,985 SH   SOLE   9,985 0 0
PFIZER INC COM 717081103 929 15,726 SH   SOLE   15,726 0 0
NIKE INC CL B 654106103 922 5,531 SH   SOLE   5,531 0 0
ANTHEM INC COM 036752103 901 1,943 SH   SOLE   1,943 0 0
JD.COM INC ADR 47215P106 869 12,398 SH   SOLE   12,398 0 0
TESLA INC COM 88160R101 858 812 SH   SOLE   812 0 0
BOSTON SCIENTIFIC CORP COM 101137107 852 20,060 SH   SOLE   20,060 0 0
WILLIAMS SONOMA INC COM 969904101 846 5,000 SH   SOLE   5,000 0 0
GENERAL MLS INC COM 370334104 845 12,534 SH   SOLE   12,534 0 0
NXP SEMICONDUCTORS N V COM N6596X109 844 3,707 SH   SOLE   3,707 0 0
AT&T INC COM 00206R102 823 33,439 SH   SOLE   33,439 0 0
ISHARES TR TIP ETF 464287176 800 6,194 SH   SOLE   6,176 0 18
PROTAGONIST THERAPEUTICS INC COM 74366E102 752 22,000 SH   SOLE   22,000 0 0
DARDEN RESTAURANTS INC COM 237194105 733 4,866 SH   SOLE   4,866 0 0
AMER STATES WTR CO COM 029899101 724 7,000 SH   SOLE   7,000 0 0
QORVO INC COM 74736K101 704 4,500 SH   SOLE   4,500 0 0
EXXON MOBIL CORP COM 30231G102 693 11,325 SH   SOLE   9,848 0 1,477
ISHARES TR IVE ETF 464287408 693 4,423 SH   SOLE   4,423 0 0
UNITED PARCEL SERVICE INC CL B 911312106 682 3,181 SH   SOLE   3,181 0 0
CATERPILLAR INC COM 149123101 676 3,270 SH   SOLE   3,270 0 0
HONEYWELL INTL INC COM 438516106 668 3,203 SH   SOLE   3,203 0 0
GENMAB A/S ADS 372303206 668 16,897 SH   SOLE   16,897 0 0
ASTRAZENECA PLC ADR 046353108 664 11,400 SH   SOLE   11,400 0 0
ABBVIE INC COM 00287Y109 660 4,877 SH   SOLE   4,377 0 500
COCA COLA CO COM 191216100 653 11,031 SH   SOLE   10,931 0 100
SPDR SER TR JNK ETF 78468R622 647 5,957 SH   SOLE   5,111 0 846
KLA CORP COM NEW 482480100 645 1,500 SH   SOLE   1,500 0 0
FORD MTR CO DEL COM 345370860 645 31,069 SH   SOLE   31,069 0 0
WASTE MGMT INC DEL COM 94106L109 608 3,645 SH   SOLE   3,645 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 593 1,045 SH   SOLE   1,045 0 0
VANGUARD INDEX FDS VUG ETF 922908736 589 1,835 SH   SOLE   1,835 0 0
ISHARES TR TLT ETF 464287432 581 3,918 SH   SOLE   3,880 0 38
NOVO-NORDISK A S ADR 670100205 572 5,103 SH   SOLE   5,103 0 0
MERCK & CO INC COM 58933Y105 563 7,344 SH   SOLE   7,344 0 0
ISHARES TR IWF ETF 464287614 553 1,808 SH   SOLE   1,808 0 0
TG THERAPEUTICS INC COM 88322Q108 547 28,800 SH   SOLE   28,800 0 0
VANGUARD INDEX FDS VXF ETF 922908652 524 2,864 SH   SOLE   882 0 1,982
ESTABLISHMENT LABS HLDGS INC COM G31249108 473 7,000 SH   SOLE   7,000 0 0
ARENA PHARMACEUTICALS INC COM 040047607 465 5,000 SH   SOLE   5,000 0 0
HUMANA INC COM 444859102 464 1,000 SH   SOLE   1,000 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 459 1,200 SH   SOLE   1,200 0 0
HDFC BANK LTD ADS 40415F101 455 7,000 SH   SOLE   7,000 0 0
INGREDION INC COM 457187102 447 4,625 SH   SOLE   4,625 0 0
ADVANCED MICRO DEVICES INC COM 007903107 446 3,100 SH   SOLE   2,614 0 486
LYFT INC COM 55087P104 433 10,140 SH   SOLE   10,140 0 0
NEXTERA ENERGY INC COM 65339F101 426 4,568 SH   SOLE   304 0 4,264
ARROW FINL CORP COM 042744102 420 11,928 SH   SOLE   11,642 0 286
INTERNATIONAL BUSINESS MACHS COM 459200101 404 3,020 SH   SOLE   3,009 0 11
BRISTOL-MYERS SQUIBB CO COM 110122108 402 6,447 SH   SOLE   5,947 0 500
EATON CORP PLC COM G29183103 395 2,288 SH   SOLE   2,288 0 0
DUKE ENERGY CORP NEW COM 26441C204 390 3,719 SH   SOLE   3,650 0 69
MICROSTRATEGY INC CL A 594972408 385 707 SH   SOLE   707 0 0
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 385 16,221 SH   SOLE   14,221 0 2,000
BOEING CO COM 097023105 382 1,899 SH   SOLE   1,899 0 0
ZILLOW GROUP INC CL A 98954M101 380 6,100 SH   SOLE   6,100 0 0
M & T BK CORP COM 55261F104 380 2,475 SH   SOLE   2,475 0 0
ORACLE CORP COM 68389X105 376 4,314 SH   SOLE   4,314 0 0
VANGUARD INDEX FDS VOO ETF 922908363 363 832 SH   SOLE   557 0 275
TJX COS INC NEW COM 872540109 361 4,753 SH   SOLE   4,753 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 361 25,000 SH   SOLE   25,000 0 0
SPDR SER TR SDY ETF 78464A763 358 2,770 SH   SOLE   2,770 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 353 4,000 SH   SOLE   4,000 0 0
BK OF AMERICA CORP COM 060505104 352 7,911 SH   SOLE   7,911 0 0
TRUSTCO BK CORP N Y COM 898349204 351 10,552 SH   SOLE   10,552 0 0
TELUS CORPORATION COM 87971M103 342 14,520 SH   SOLE   14,520 0 0
ALTRIA GROUP INC COM 02209S103 339 7,153 SH   SOLE   6,153 0 1,000
MORGAN STANLEY COM 617446448 338 3,445 SH   SOLE   3,445 0 0
ISHARES TR IWD ETF 464287598 335 1,994 SH   SOLE   1,994 0 0
GALAPAGOS NV ADR 36315X101 331 6,000 SH   SOLE   6,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 331 3,851 SH   SOLE   3,851 0 0
NEUBERGER BERMAN N Y MUN FD COM 64124K102 328 25,240 SH   SOLE   25,240 0 0
ENCOMPASS HEALTH CORP COM 29261A100 326 5,000 SH   SOLE   5,000 0 0
ISHARES TR OEF ETF 464287101 325 1,484 SH   SOLE   1,474 0 10
WD 40 CO COM 929236107 322 1,316 SH   SOLE   1,186 0 130
TEXAS INSTRS INC COM 882508104 312 1,653 SH   SOLE   1,653 0 0
ISHARES TR IJK ETF 464287606 301 3,528 SH   SOLE   2,104 0 1,424
PROTHENA CORP PLC SHS G72800108 296 6,000 SH   SOLE   6,000 0 0
LOEWS CORP COM 540424108 296 5,119 SH   SOLE   5,119 0 0
DANAHER CORPORATION COM 235851102 293 890 SH   SOLE   890 0 0
CISCO SYS INC COM 17275R102 286 4,509 SH   SOLE   4,509 0 0
EATON VANCE TAX MNGED BUY WR COM 27828X100 281 16,398 SH   SOLE   15,434 0 964
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 271 1,800 SH   SOLE   1,800 0 0
SPDR SER TR CWB ETF 78464A359 270 3,254 SH   SOLE   3,254 0 0
DOW INC COM 260557103 268 4,730 SH   SOLE   3,030 0 1,700
KEYCORP COM 493267108 262 11,326 SH   SOLE   11,326 0 0
ALPHABET INC GOOG CL C 02079K107 255 88 SH   SOLE   78 0 10
VANGUARD INDEX FDS VTV ETF 922908744 252 1,711 SH   SOLE   1,711 0 0
ISHARES TR IWB ETF 464287622 242 915 SH   SOLE   915 0 0
VMWARE INC CL A 928563402 241 2,080 SH   SOLE   2,080 0 0
ISHARES TR IWR ETF 464287499 239 2,885 SH   SOLE   2,885 0 0
DIAGEO PLC ADR 25243Q205 235 1,069 SH   SOLE   1,069 0 0
PAYCHEX INC COM 704326107 234 1,717 SH   SOLE   1,717 0 0
INTEL CORP COM 458140100 232 4,507 SH   SOLE   4,485 0 22
ALPS ETF TR SDOG ETF 00162Q858 227 4,238 SH   SOLE   4,238 0 0
QUALCOMM INC COM 747525103 223 1,217 SH   SOLE   1,217 0 0
SELECT SECTOR SPDR TR XLK ETF 81369Y803 222 1,278 SH   SOLE   1,278 0 0
SOUTHERN CO COM 842587107 220 3,209 SH   SOLE   2,876 0 333
THERMO FISHER SCIENTIFIC INC COM 883556102 220 330 SH   SOLE   330 0 0
GENERAL ELECTRIC CO COM 369604301 218 2,309 SH   SOLE   2,309 0 0
SPDR GOLD TR GLD ETF 78463V107 216 1,266 SH   SOLE   1,266 0 0
AMERCO COM 023586100 214 295 SH   SOLE   295 0 0
CASEYS GEN STORES INC COM 147528103 207 1,050 SH   SOLE   1,050 0 0
PPL CORP COM 69351T106 203 6,739 SH   SOLE   6,739 0 0
AMETEK INC COM 031100100 201 1,365 SH   SOLE   1,365 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 201 5,000 SH   SOLE   5,000 0 0
CME GROUP INC COM 12572Q105 148 650 SH   SOLE   650 0 0
THERAVANCE BIOPHARMA INC COM G8807B106 144 13,000 SH   SOLE   7,000 0 6,000
EQUINIX INC COM 29444U700 131 155 SH   SOLE   155 0 0
PAVMED INC COM 70387R106 44 18,000 SH   SOLE   18,000 0 0
CONFORMIS INC COM 20717E101 19 25,000 SH   SOLE   25,000 0 0
SPDR S&P 500 ETF TR PUT 78462F103 0 500 SH Put SOLE   500 0 0