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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR IVV CORE S&P500 ETF 464287200   69,303 145,098 SH   SOLE   139,144 0 5,954
INVESCO QQQ TR UNIT SER 1 46090E103   47,595 116,221 SH   SOLE   110,388 0 5,833
MICROSOFT CORP COM 594918104   30,347 80,701 SH   SOLE   76,514 0 4,187
SPDR S&P 500 ETF TR SPY TR UNIT 78462F103   25,487 53,622 SH   SOLE   52,044 0 1,578
APPLE INC COM 037833100   22,794 118,391 SH   SOLE   113,978 0 4,413
ISHARES TR IJH CORE S&P MCP ETF 464287507   19,472 70,259 SH   SOLE   67,842 0 2,417
VISA INC COM CL A 92826C839   17,955 68,966 SH   SOLE   65,488 0 3,478
ISHARES TR IJR CORE S&P SCP ETF 464287804   17,682 163,347 SH   SOLE   155,403 0 7,944
ELI LILLY & CO COM 532457108   14,771 25,340 SH   SOLE   23,831 0 1,509
UNITEDHEALTH GROUP INC COM 91324P102   14,576 27,686 SH   SOLE   26,686 0 1,000
MCDONALDS CORP COM 580135101   14,086 47,506 SH   SOLE   45,010 0 2,496
JPMORGAN CHASE & CO COM 46625H100   13,154 77,334 SH   SOLE   73,711 0 3,623
NVIDIA CORPORATION COM 67066G104   12,847 25,942 SH   SOLE   24,849 0 1,093
ISHARES TR ITOT CORE S&P TTL STK 464287150   10,862 103,220 SH   SOLE   96,512 0 6,708
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   8,889 61,882 SH   SOLE   58,812 0 3,070
LOCKHEED MARTIN CORP COM 539830109   8,573 18,916 SH   SOLE   18,180 0 736
JOHNSON & JOHNSON COM 478160104   8,191 52,258 SH   SOLE   49,730 0 2,528
COSTCO WHSL CORP NEW COM 22160K105   7,971 12,075 SH   SOLE   11,517 0 558
MASTERCARD INCORPORATED CL A 57636Q104   7,488 17,556 SH   SOLE   16,599 0 957
ISHARES TR IEFA CORE MSCI EAFE 46432F842   7,378 104,871 SH   SOLE   100,330 0 4,541
ALPHABET INC GOOGL CAP STK CL A 02079K305   6,951 49,758 SH   SOLE   48,458 0 1,300
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   6,565 17,419 SH   SOLE   16,427 0 992
WALMART INC COM 931142103   6,190 39,264 SH   SOLE   37,049 0 2,215
PEPSICO INC COM 713448108   5,704 33,583 SH   SOLE   32,366 0 1,217
HOME DEPOT INC COM 437076102   5,476 15,802 SH   SOLE   15,054 0 748
AMAZON COM INC COM 023135106   5,455 35,901 SH   SOLE   33,529 0 2,372
SELECT SECTOR SPDR TR XLE ENERGY 81369Y506   5,405 64,462 SH   SOLE   62,192 0 2,270
VANGUARD INDEX FDS VOE MCAP VL IDXVIP 922908512   5,252 36,216 SH   SOLE   34,656 0 1,560
ISHARES TR IJJ S&P MC 400VL ETF 464287705   4,473 39,220 SH   SOLE   37,288 0 1,932
VANGUARD INDEX FDS VO MID CAP ETF 922908629   4,375 18,805 SH   SOLE   18,238 0 567
ISHARES TR IEMG CORE MSCI EMKT 46434G103   4,116 81,379 SH   SOLE   77,541 0 3,838
PROCTER AND GAMBLE CO COM 742718109   3,347 22,842 SH   SOLE   22,114 0 728
EXXON MOBIL CORP COM 30231G102   2,498 24,988 SH   SOLE   24,511 0 477
BLACKSTONE INC COM 09260D107   2,397 18,309 SH   SOLE   16,600 0 1,709
THE CIGNA GROUP COM 125523100   2,371 7,916 SH   SOLE   7,131 0 785
ISHARES TR LQD IBOXX INV CP ETF 464287242   2,357 21,296 SH   SOLE   21,238 0 58
VANGUARD INDEX FDS VTV VALUE ETF 922908744   2,331 15,590 SH   SOLE   15,590 0 0
META PLATFORMS INC CL A 30303M102   2,253 6,364 SH   SOLE   6,070 0 294
AMGEN INC COM 031162100   2,011 6,982 SH   SOLE   6,783 0 199
NOVO-NORDISK A S ADR 670100205   1,918 18,542 SH   SOLE   17,881 0 661
ISHARES TR SHY 1 3 YR TREAS BD 464287457   1,879 22,907 SH   SOLE   22,452 0 455
ISHARES TR IJS SP SMCP600VL ETF 464287879   1,711 16,598 SH   SOLE   16,129 0 469
UNION PAC CORP COM 907818108   1,628 6,629 SH   SOLE   6,629 0 0
ISHARES TR AGG CORE US AGGBD ET 464287226   1,489 15,003 SH   SOLE   15,003 0 0
CHEVRON CORP NEW COM 166764100   1,447 9,701 SH   SOLE   9,503 0 198
ORACLE CORP COM 68389X105   1,368 12,971 SH   SOLE   12,875 0 96
ELEVANCE HEALTH INC COM 036752103   1,317 2,793 SH   SOLE   2,793 0 0
ISHARES TR pff PFD AND INCM SEC 464288687   1,293 41,443 SH   SOLE   41,099 0 344
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,287 27,953 SH   SOLE   27,551 0 402
VANGUARD INDEX FDS VTI TOTAL STK MKT 922908769   1,281 5,398 SH   SOLE   5,353 0 45
ABBVIE INC COM 00287Y109   1,193 7,701 SH   SOLE   7,701 0 0
ISHARES TR IEFA 7-10 YR TRSY BD 464287440   1,172 12,161 SH   SOLE   12,154 0 7
ABBOTT LABS COM 002824100   1,168 10,610 SH   SOLE   10,610 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102   1,099 5,000 SH   SOLE   5,000 0 0
ISHARES TR IVE S&P 500 VAL ETF 464287408   1,039 5,973 SH   SOLE   5,973 0 0
INVESCO EXCH TRADED FD TR II VRP VAR RATE PFD 46138G870   1,007 43,619 SH   SOLE   43,619 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   998 26,459 SH   SOLE   24,225 0 2,234
DOLLAR GEN CORP NEW COM 256677105   952 7,001 SH   SOLE   5,351 0 1,650
VANGUARD INDEX FDS VBR SM CP VAL ETF 922908611   946 5,259 SH   SOLE   5,162 0 97
CATERPILLAR INC COM 149123101   928 3,140 SH   SOLE   3,140 0 0
BLACKROCK INC COM 09247X101   923 1,136 SH   SOLE   1,028 0 108
GENERAL MLS INC COM 370334104   888 13,634 SH   SOLE   13,634 0 0
VANGUARD INDEX FDS VOO S&P 500 ETF SHS 922908363   856 1,960 SH   SOLE   1,445 0 515
HUMANA INC COM 444859102   824 1,800 SH   SOLE   1,800 0 0
MERCK & CO INC COM 58933Y105   808 7,412 SH   SOLE   7,412 0 0
MICROSTRATEGY INC CL A NEW 594972408   697 1,104 SH   SOLE   1,104 0 0
DARDEN RESTAURANTS INC COM 237194105   680 4,140 SH   SOLE   4,140 0 0
HONEYWELL INTL INC COM 438516106   668 3,186 SH   SOLE   2,886 0 300
DICKS SPORTING GOODS INC COM 253393102   665 4,523 SH   SOLE   4,448 0 75
INTERNATIONAL BUSINESS MACHS COM 459200101   656 4,012 SH   SOLE   3,921 0 91
WASTE MGMT INC DEL COM 94106L109   647 3,611 SH   SOLE   3,611 0 0
COCA COLA CO COM 191216100   608 10,319 SH   SOLE   10,219 0 100
VANGUARD BD INDEX FDS BND TOTAL BND MRKT 921937835   602 8,186 SH   SOLE   8,117 0 69
AMER STATES WTR CO COM 029899101   563 7,000 SH   SOLE   7,000 0 0
EATON CORP PLC SHS G29183103   551 2,288 SH   SOLE   2,288 0 0
ISHARES TR IWF RUS 1000 GRW ETF 464287614   548 1,808 SH   SOLE   1,808 0 0
VANGUARD INDEX FDS VUG GROWTH ETF 922908736   534 1,718 SH   SOLE   1,718 0 0
TESLA INC COM 88160R101   519 2,088 SH   SOLE   2,088 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   514 19,526 SH   SOLE   19,526 0 0
VANGUARD INDEX FDS VXF EXTEND MKT ETF 922908652   512 3,114 SH   SOLE   1,081 0 2,033
INGREDION INC COM 457187102   502 4,625 SH   SOLE   4,625 0 0
UNITED PARCEL SERVICE INC CL B 911312106   497 3,161 SH   SOLE   3,161 0 0
AT&T INC COM 00206R102   494 29,457 SH   SOLE   29,457 0 0
BOEING CO COM 097023105   486 1,863 SH   SOLE   1,863 0 0
PFIZER INC COM 717081103   480 16,686 SH   SOLE   16,686 0 0
ISHARES TR TIP TIPS BD ETF 464287176   446 4,152 SH   SOLE   4,152 0 0
ISHARES TR IBB ISHARES BIOTECH 464287556   438 3,226 SH   SOLE   3,226 0 0
RTX CORPORATION COM 75513E101   429 5,103 SH   SOLE   5,056 0 47
GOLDMAN SACHS GROUP INC COM 38141G104   424 1,100 SH   SOLE   1,100 0 0
TJX COS INC NEW COM 872540109   423 4,511 SH   SOLE   4,511 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   417 30,185 SH   SOLE   30,185 0 0
ADVANCED MICRO DEVICES INC COM 007903107   401 2,720 SH   SOLE   2,384 0 336
SNOWFLAKE INC CL A 833445109   398 2,000 SH   SOLE   2,000 0 0
SPDR SER TR SDY S&P DIVID ETF 78464A763   383 3,064 SH   SOLE   3,064 0 0
GENERAL ELECTRIC CO COM NEW 369604301   381 2,985 SH   SOLE   2,985 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   353 3,397 SH   SOLE   3,397 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   350 3,604 SH   SOLE   3,604 0 0
ISHARES TR TLT 20 YR TR BD ETF 464287432   350 3,543 SH   SOLE   3,543 0 0
NOVARTIS AG SPONSORED ADR 66987V109   348 3,450 SH   SOLE   2,450 0 1,000
BANK AMERICA CORP COM 060505104   347 10,312 SH   SOLE   10,312 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   339 6,617 SH   SOLE   6,617 0 0
M & T BK CORP COM 55261F104   337 2,461 SH   SOLE   2,461 0 0
ISHARES TR OEF S&P 100 ETF 464287101   332 1,484 SH   SOLE   1,474 0 10
VALERO ENERGY CORP COM 91913Y100   330 2,542 SH   SOLE   1,172 0 1,370
ALPHABET INC GOOG CAP STK CL C 02079K107   325 2,305 SH   SOLE   2,065 0 240
ARROW FINL CORP COM 042744102   315 11,264 SH   SOLE   10,705 0 559
SPDR SER TR JNK BLOOMBERG HIGH Y 78468R622   311 3,278 SH   SOLE   3,205 0 73
BROADCOM INC COM 11135F101   294 264 SH   SOLE   264 0 0
CASEYS GEN STORES INC COM 147528103   288 1,050 SH   SOLE   1,050 0 0
CISCO SYS INC COM 17275R102   287 5,672 SH   SOLE   5,672 0 0
NEXTERA ENERGY INC COM 65339F101   284 4,679 SH   SOLE   415 0 4,264
PROTAGONIST THERAPEUTICS INC COM 74366E102   275 12,000 SH   SOLE   12,000 0 0
ISHARES TR IWD RUS 1000 VAL ETF 464287598   269 1,626 SH   SOLE   1,626 0 0
DISNEY WALT CO COM 254687106   267 2,959 SH   SOLE   2,959 0 0
WD 40 CO COM 929236107   266 1,111 SH   SOLE   981 0 130
ALTRIA GROUP INC COM 02209S103   263 6,522 SH   SOLE   6,522 0 0
TELUS CORPORATION COM 87971M103   261 14,670 SH   SOLE   14,670 0 0
ISHARES TR IWB RUS 1000 ETF 464287622   261 994 SH   SOLE   994 0 0
SOUTHERN CO COM 842587107   260 3,709 SH   SOLE   3,376 0 333
DOW INC COM 260557103   259 4,730 SH   SOLE   4,530 0 200
WENDYS CO COM 95058W100   257 13,179 SH   SOLE   11,679 0 1,500
QUALCOMM INC COM 747525103   250 1,727 SH   SOLE   1,727 0 0
CONOCOPHILLIPS COM 20825C104   249 2,146 SH   SOLE   2,146 0 0
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   246 15,195 SH   SOLE   15,195 0 0
TRUSTCO BK CORP N Y COM NEW 898349204   236 7,593 SH   SOLE   7,593 0 0
FIDELITY COVINGTON TRUST FELC ENHANCED LARGE 316092113   229 8,597 SH   SOLE   8,597 0 0
AMETEK INC COM 031100100   225 1,365 SH   SOLE   1,365 0 0
ISHARES TR IWR RUS MID CAP ETF 464287499   224 2,885 SH   SOLE   2,885 0 0
NEVRO CORP COM 64157F103   220 10,200 SH   SOLE   10,200 0 0
PARKER-HANNIFIN CORP COM 701094104   218 474 SH   SOLE   474 0 0
GUARDANT HEALTH INC COM 40131M109   216 8,000 SH   SOLE   8,000 0 0
HOLOGIC INC COM 436440101   214 3,000 SH   SOLE   3,000 0 0
MONDELEZ INTL INC CL A 609207105   211 2,913 SH   SOLE   2,913 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   204 2,628 SH   SOLE   2,628 0 0
PAYCHEX INC COM 704326107   202 1,692 SH   SOLE   1,692 0 0
EATON VANCE TAX MNGED BUY ETB COM 27828X100   194 14,941 SH   SOLE   13,800 0 1,141
FORD MTR CO DEL COM 345370860   127 10,440 SH   SOLE   3,440 0 7,000
SKEENA RES LTD NEW COM 83056P715   49 10,000 SH   SOLE   10,000 0 0
DAKOTA GOLD CORP COM 46655E100   34 13,000 SH   SOLE   13,000 0 0