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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR IVV CORE S&P500 ETF 464287200   56,435 137,285 SH   SOLE   131,223 0 6,062
INVESCO QQQ TR UNIT SER 1 46090E103   37,631 117,256 SH   SOLE   111,980 0 5,276
MICROSOFT CORP COM 594918104   23,553 81,697 SH   SOLE   76,433 0 5,264
SPDR S&P 500 ETF TR SPY TR UNIT 78462F103   21,600 52,761 SH   SOLE   51,339 0 1,422
APPLE INC COM 037833100   19,795 120,043 SH   SOLE   114,804 0 5,239
ISHARES TR IJH CORE S&P MCP ETF 464287507   16,962 67,804 SH   SOLE   64,994 0 2,810
VISA INC COM CL A 92826C839   15,716 69,707 SH   SOLE   66,601 0 3,106
ISHARES TR IJR CORE S&P SCP ETF 464287804   15,320 158,430 SH   SOLE   151,184 0 7,246
UNITEDHEALTH GROUP INC COM 91324P102   13,667 28,919 SH   SOLE   28,096 0 823
MCDONALDS CORP COM 580135101   13,044 46,652 SH   SOLE   43,956 0 2,696
JPMORGAN CHASE & CO COM 46625H100   9,937 76,258 SH   SOLE   72,183 0 4,075
ISHARES TR IBB ISHARES BIOTECH 464287556   9,713 75,190 SH   SOLE   71,541 0 3,649
ISHARES TR ITOT CORE S&P TTL STK 464287150   8,704 96,125 SH   SOLE   88,575 0 7,550
LOCKHEED MARTIN CORP COM 539830109   8,551 18,089 SH   SOLE   17,317 0 772
JOHNSON & JOHNSON COM 478160104   8,090 52,195 SH   SOLE   49,884 0 2,311
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   7,969 69,937 SH   SOLE   65,790 0 4,147
LILLY ELI & CO COM 532457108   7,637 22,239 SH   SOLE   21,158 0 1,081
ISHARES TR IEFA CORE MSCI EAFE 46432F842   7,266 108,687 SH   SOLE   102,777 0 5,910
NVIDIA CORPORATION COM 67066G104   6,825 24,571 SH   SOLE   23,743 0 828
MASTERCARD INCORPORATED CL A 57636Q104   6,667 18,346 SH   SOLE   17,173 0 1,173
DICKS SPORTING GOODS INC COM 253393102   6,272 44,201 SH   SOLE   42,557 0 1,644
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   6,140 18,460 SH   SOLE   17,460 0 1,000
COSTCO WHSL CORP NEW COM 22160K105   5,591 11,252 SH   SOLE   10,773 0 479
PEPSICO INC COM 713448108   5,544 30,409 SH   SOLE   29,434 0 975
WALMART INC COM 931142103   5,400 36,625 SH   SOLE   34,726 0 1,899
VANGUARD INDEX FDS VOE MCAP VL IDXVIP 922908512   5,118 38,174 SH   SOLE   36,379 0 1,795
SELECT SECTOR SPDR TR XLE ENERGY 81369Y506   4,793 57,866 SH   SOLE   55,697 0 2,169
ISHARES INC IEMG CORE MSCI EMKT 46434G103   4,460 91,418 SH   SOLE   86,204 0 5,214
ALPHABET INC GOOGL CAP STK CL A 02079K305   4,410 42,512 SH   SOLE   41,435 0 1,077
ISHARES TR IJJ S&P MC 400VL ETF 464287705   4,356 42,391 SH   SOLE   41,091 0 1,300
HOME DEPOT INC COM 437076102   4,216 14,287 SH   SOLE   13,648 0 639
VANGUARD INDEX FDS VO MID CAP ETF 922908629   3,721 17,643 SH   SOLE   17,076 0 567
PROCTER AND GAMBLE CO COM 742718109   3,668 24,670 SH   SOLE   23,839 0 831
AMAZON COM INC COM 023135106   2,898 28,056 SH   SOLE   26,186 0 1,870
ISHARES TR LQD IBOXX INV CP ETF 464287242   2,776 25,329 SH   SOLE   25,221 0 108
EXXON MOBIL CORP COM 30231G102   2,723 24,829 SH   SOLE   24,352 0 477
ISHARES TR SHY 1 3 YR TREAS BD 464287457   2,684 32,663 SH   SOLE   32,132 0 531
VANGUARD INDEX FDS VTV VALUE ETF 922908744   2,293 16,601 SH   SOLE   16,601 0 0
ISHARES TR AGG CORE US AGGBD ET 464287226   1,801 18,078 SH   SOLE   18,058 0 20
THE CIGNA GROUP COM 125523100   1,733 6,781 SH   SOLE   6,781 0 0
AMGEN INC COM 031162100   1,686 6,974 SH   SOLE   6,734 0 240
BLACKSTONE INC COM 09260D107   1,661 18,914 SH   SOLE   17,215 0 1,699
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,630 35,444 SH   SOLE   34,420 0 1,024
DOLLAR GEN CORP NEW COM 256677105   1,623 7,711 SH   SOLE   6,061 0 1,650
ISHARES TR IJS SP SMCP600VL ETF 464287879   1,560 16,668 SH   SOLE   16,142 0 526
ISHARES TR IEF 7-10 YR TRSY BD 464287440   1,349 13,613 SH   SOLE   13,606 0 7
UNION PAC CORP COM 907818108   1,334 6,629 SH   SOLE   6,629 0 0
ISHARES TR PFF PFD AND INCM SEC 464288687   1,325 42,425 SH   SOLE   42,001 0 424
NOVO-NORDISK A S ADR 670100205   1,314 8,257 SH   SOLE   8,257 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,244 31,988 SH   SOLE   29,754 0 2,234
GENERAL MLS INC COM 370334104   1,165 13,634 SH   SOLE   13,634 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102   1,120 5,000 SH   SOLE   5,000 0 0
ORACLE CORP COM 68389X105   1,110 11,949 SH   SOLE   11,853 0 96
VANGUARD INDEX FDS VTI TOTAL STK MKT 922908769   1,102 5,400 SH   SOLE   5,355 0 45
ABBOTT LABS COM 002824100   1,058 10,450 SH   SOLE   10,450 0 0
BLACKROCK INC COM 09247X101   994 1,486 SH   SOLE   1,378 0 108
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   956 43,177 SH   SOLE   43,177 0 0
ELEVANCE HEALTH INC COM 036752103   893 1,943 SH   SOLE   1,943 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   869 8,759 SH   SOLE   8,759 0 0
MERCK & CO INC COM 58933Y105   790 7,429 SH   SOLE   7,429 0 0
SELECT SECTOR SPDR TR XLV SBI HEALTHCARE 81369Y209   764 5,904 SH   SOLE   5,754 0 150
CATERPILLAR INC COM 149123101   731 3,196 SH   SOLE   3,196 0 0
DARDEN RESTAURANTS INC COM 237194105   727 4,683 SH   SOLE   4,683 0 0
DISNEY WALT CO COM 254687106   722 7,212 SH   SOLE   7,190 0 22
VANGUARD BD INDEX FDS BND TOTAL BND MRKT 921937835   716 9,700 SH   SOLE   9,631 0 69
ISHARES TR IVE S&P 500 VAL ETF 464287408   671 4,423 SH   SOLE   4,423 0 0
BEIGENE LTD SPONSORED ADR 07725L102   647 3,000 SH   SOLE   3,000 0 0
PFIZER INC COM 717081103   643 15,766 SH   SOLE   15,766 0 0
AT&T INC COM 00206R102   628 32,645 SH   SOLE   32,645 0 0
AMER STATES WTR CO COM 029899101   622 7,000 SH   SOLE   7,000 0 0
HONEYWELL INTL INC COM 438516106   617 3,227 SH   SOLE   3,227 0 0
NXP SEMICONDUCTORS N V COM N6596X109   597 3,201 SH   SOLE   3,201 0 0
WASTE MGMT INC DEL COM 94106L109   586 3,590 SH   SOLE   3,590 0 0
COCA COLA CO COM 191216100   574 9,254 SH   SOLE   9,154 0 100
UNITED PARCEL SERVICE INC CL B 911312106   555 2,861 SH   SOLE   2,861 0 0
ISHARES TR TIPS BD ETF 464287176   540 4,899 SH   SOLE   4,899 0 0
ISHARES TR CHINA LG-CAP ETF 464287184   523 17,718 SH   SOLE   16,650 0 1,068
ENTERPRISE PRODS PARTNERS L COM 293792107   506 19,526 SH   SOLE   19,526 0 0
CHEVRON CORP NEW COM 166764100   496 3,040 SH   SOLE   3,040 0 0
HUMANA INC COM 444859102   485 1,000 SH   SOLE   1,000 0 0
ARES COML REAL ESTATE CORP COM 04013V108   481 52,950 SH   SOLE   52,950 0 0
NEVRO CORP COM 64157F103   477 13,200 SH   SOLE   13,200 0 0
INGREDION INC COM 457187102   471 4,625 SH   SOLE   4,625 0 0
TESLA INC COM 88160R101   470 2,267 SH   SOLE   2,267 0 0
ABBVIE INC COM 00287Y109   459 2,882 SH   SOLE   2,882 0 0
ISHARES TR IWF RUS 1000 GRW ETF 464287614   442 1,808 SH   SOLE   1,808 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   439 6,329 SH   SOLE   6,329 0 0
VANGUARD INDEX FDS VXF EXTEND MKT ETF 922908652   434 3,092 SH   SOLE   1,081 0 2,011
VANGUARD INDEX FDS VUG GROWTH ETF 922908736   425 1,706 SH   SOLE   1,706 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   424 4,334 SH   SOLE   4,334 0 0
SPDR SER TR JNK BLOOMBERG HIGH Y 78468R622   421 4,541 SH   SOLE   4,468 0 73
INTERNATIONAL BUSINESS MACHS COM 459200101   420 3,202 SH   SOLE   3,111 0 91
ISHARES TR TLT 20 YR TR BD ETF 464287432   420 3,947 SH   SOLE   3,927 0 20
MORGAN STANLEY COM NEW 617446448   397 4,527 SH   SOLE   4,527 0 0
EATON CORP PLC SHS G29183103   396 2,312 SH   SOLE   2,312 0 0
BOEING CO COM 097023105   393 1,849 SH   SOLE   1,849 0 0
CVS HEALTH CORP COM 126650100   382 5,146 SH   SOLE   4,086 0 1,060
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   373 29,945 SH   SOLE   29,945 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   365 3,780 SH   SOLE   3,711 0 69
GOLDMAN SACHS GROUP INC COM 38141G104   360 1,100 SH   SOLE   1,100 0 0
VALERO ENERGY CORP COM 91913Y100   355 2,542 SH   SOLE   1,172 0 1,370
TJX COS INC NEW COM 872540109   354 4,513 SH   SOLE   4,513 0 0
NEXTERA ENERGY INC COM 65339F101   352 4,568 SH   SOLE   304 0 4,264
GUARDANT HEALTH INC COM 40131M109   352 15,000 SH   SOLE   15,000 0 0
WENDYS CO COM 95058W100   343 15,758 SH   SOLE   15,758 0 0
TRUSTCO BK CORP N Y COM NEW 898349204   338 10,574 SH   SOLE   10,574 0 0
ARROW FINL CORP COM 042744102   333 13,380 SH   SOLE   13,086 0 294
SPDR SER TR SDY S&P DIVID ETF 78464A763   327 2,645 SH   SOLE   2,645 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   309 3,325 SH   SOLE   3,325 0 0
CISCO SYS INC COM 17275R102   308 5,892 SH   SOLE   5,892 0 0
SALESFORCE INC COM 79466L302   302 1,512 SH   SOLE   1,262 0 250
M & T BK CORP COM 55261F104   301 2,515 SH   SOLE   2,515 0 0
VANGUARD INDEX FDS VOO S&P 500 ETF SHS 922908363   300 798 SH   SOLE   798 0 0
BANK AMERICA CORP COM 060505104   299 10,466 SH   SOLE   10,466 0 0
TELUS CORPORATION COM 87971M103   291 14,670 SH   SOLE   14,670 0 0
GENERAL ELECTRIC CO COM NEW 369604301   288 3,014 SH   SOLE   3,014 0 0
MICROSTRATEGY INC CL A NEW 594972408   285 974 SH   SOLE   974 0 0
ALTRIA GROUP INC COM 02209S103   281 6,303 SH   SOLE   6,303 0 0
ISHARES TR IWD RUS 1000 VAL ETF 464287598   281 1,844 SH   SOLE   1,844 0 0
ISHARES TR OEF S&P 100 ETF 464287101   278 1,484 SH   SOLE   1,474 0 10
PROTAGONIST THERAPEUTICS INC COM 74366E102   276 12,000 SH   SOLE   12,000 0 0
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   261 15,300 SH   SOLE   15,300 0 0
DOW INC COM 260557103   259 4,730 SH   SOLE   4,530 0 200
SOUTHERN CO COM 842587107   258 3,709 SH   SOLE   3,376 0 333
TARGET CORP COM 87612E106   256 1,545 SH   SOLE   1,545 0 0
ADVANCED MICRO DEVICES INC COM 007903107   247 2,521 SH   SOLE   2,035 0 486
CASEYS GEN STORES INC COM 147528103   227 1,050 SH   SOLE   1,050 0 0
DANAHER CORPORATION COM 235851102   227 901 SH   SOLE   901 0 0
TG THERAPEUTICS INC COM 88322Q108   223 14,803 SH   SOLE   14,803 0 0
VANGUARD INDEX FDS VBR SM CP VAL ETF 922908611   220 1,385 SH   SOLE   1,385 0 0
UNITIL CORP COM 913259107   217 3,796 SH   SOLE   3,796 0 0
NEUBERGER BERMAN N Y MUN FD COM 64124K102   213 22,190 SH   SOLE   22,190 0 0
ALGONQUIN PWR UTILS CORP COM 015857105   210 25,000 SH   SOLE   25,000 0 0
WD 40 CO COM 929236107   208 1,168 SH   SOLE   1,038 0 130
ISHARES TR IWB RUS 1000 ETF 464287622   206 915 SH   SOLE   915 0 0
SPDR GOLD TR GOLD SHS 78463V107   202 1,103 SH   SOLE   1,103 0 0
ISHARES TR IWR RUS MID CAP ETF 464287499   202 2,885 SH   SOLE   2,885 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   201 349 SH   SOLE   349 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   201 2,992 SH   SOLE   2,992 0 0
EATON VANCE TAX MNGED BUY WR COM 27828X100   201 15,370 SH   SOLE   14,300 0 1,070
KEYCORP COM 493267108   149 11,930 SH   SOLE   11,930 0 0
FORD MTR CO DEL COM 345370860   144 11,452 SH   SOLE   11,452 0 0
ALAMOS GOLD INC NEW COM CL A 011532108   122 10,000 SH   SOLE   10,000 0 0
OSISKO DEVELOPMENT CORP COM NEW 68828E809   82 16,667 SH   SOLE   16,667 0 0
SKEENA RES LTD NEW COM 83056P715   61 10,000 SH   SOLE   10,000 0 0
DAKOTA GOLD CORP COM 46655E100   47 13,000 SH   SOLE   13,000 0 0
PAVMED INC COM 70387R106   8 22,000 SH   SOLE   22,000 0 0
ZYNERBA PHARMACEUTICALS INC COM 98986X109   7 16,000 SH   SOLE   16,000 0 0
AUDACY INC CL A 05070N103   3 25,000 SH   SOLE   25,000 0 0