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
3M CO COM 88579Y101 819 5,720 SH   SOLE 5,720 0 0
ALTRIA GROUP INC COM 02209S103 2,151 51,279 SH   SOLE 51,279 0 0
AMERICAN EXPRESS CO COM 025816109 265 2,794 SH   SOLE 2,794 0 0
AMERISOURCEBERGEN CORP COM 03073E105 969 13,330 SH   SOLE 13,330 0 0
AMGEN INC COM 031162100 1,341 11,330 SH   SOLE 11,330 0 0
APPLE INC COM 037833100 5,979 64,335 SH   SOLE 64,335 0 0
AT&T INC COM 00206R102 300 8,477 SH   SOLE 8,477 0 0
BAKER HUGHES INC COM 057224107 411 5,515 SH   SOLE 5,515 0 0
BANK OF AMERICA CORPORATION COM 060505104 2,825 183,775 SH   SOLE 183,775 0 0
BAXTER INTL INC COM 071813109 278 3,850 SH   SOLE 3,850 0 0
BOEING CO COM 097023105 1,779 13,986 SH   SOLE 13,986 0 0
CANADIAN NATL RY CO COM 136375102 592 9,105 SH   SOLE 9,105 0 0
CELGENE CORP COM 151020104 3,302 38,454 SH   SOLE 38,454 0 0
CHENIERE ENERGY INC COM NEW 16411R208 1,820 25,385 SH   SOLE 25,385 0 0
CHEVRON CORP NEW COM 166764100 445 3,409 SH   SOLE 3,409 0 0
CISCO SYS INC COM 17275R102 462 18,588 SH   SOLE 18,588 0 0
CLAYMORE EXCHANGE TRD FD TR GUG MULTI ASSET 18383M506 641 24,530 SH   SOLE 24,530 0 0
CONOCOPHILLIPS COM 20825C104 5,644 65,838 SH   SOLE 65,838 0 0
D R HORTON INC COM 23331A109 229 9,300 SH   SOLE 9,300 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 839 6,593 SH   SOLE 6,593 0 0
DISNEY WALT CO COM DISNEY 254687106 574 6,695 SH   SOLE 6,695 0 0
DOW CHEM CO COM 260543103 531 10,320 SH   SOLE 10,320 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1,725 26,356 SH   SOLE 26,356 0 0
DUNKIN BRANDS GROUP INC COM 265504100 355 7,760 SH   SOLE 7,760 0 0
EMERSON ELEC CO COM 291011104 1,329 20,022 SH   SOLE 20,022 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 2,294 33,093 SH   SOLE 33,093 0 0
EXXON MOBIL CORP COM 30231G102 2,044 20,305 SH   SOLE 20,305 0 0
FACEBOOK INC CL A 30303M102 641 9,530 SH   SOLE 9,530 0 0
FIRST NIAGARA FINL GP INC COM 33582V108 146 16,747 SH   SOLE 16,747 0 0
FNB CORP PA COM 302520101 1,023 79,835 SH   SOLE 79,835 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 2,780 161,271 SH   SOLE 161,271 0 0
FOSTER WHEELER AG COM H27178104 807 23,690 SH   SOLE 23,690 0 0
GENERAL ELECTRIC CO COM 369604103 5,169 196,697 SH   SOLE 196,697 0 0
GOOGLE INC CL A 38259P508 2,207 3,775 SH   SOLE 3,775 0 0
GOOGLE INC CL C 38259P706 2,045 3,555 SH   SOLE 3,555 0 0
HAIN CELESTIAL GROUP INC COM 405217100 492 5,545 SH   SOLE 5,545 0 0
HARLEY DAVIDSON INC COM 412822108 2,687 38,475 SH   SOLE 38,475 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 2,306 64,397 SH   SOLE 64,397 0 0
HONEYWELL INTL INC COM 438516106 737 7,932 SH   SOLE 7,932 0 0
HOSPITALITY PPTYS TR COM SH BEN INT 44106M102 1,437 47,272 SH   SOLE 47,272 0 0
IDEX CORP COM 45167R104 565 7,000 SH   SOLE 7,000 0 0
INTEL CORP COM 458140100 319 10,312 SH   SOLE 10,312 0 0
ISHARES CORE TOTUSBD ETF 464287226 331 3,025 SH   SOLE 3,025 0 0
ISHARES SELECT DIVID ETF 464287168 592 7,695 SH   SOLE 7,695 0 0
ISHARES TIPS BD ETF 464287176 966 8,370 SH   SOLE 8,370 0 0
JOHNSON & JOHNSON COM 478160104 1,369 13,082 SH   SOLE 13,082 0 0
JPMORGAN CHASE & CO COM 46625H100 3,258 56,549 SH   SOLE 56,549 0 0
KEYCORP NEW COM 493267108 1,478 103,170 SH   SOLE 103,170 0 0
LAS VEGAS SANDS CORP COM 517834107 402 5,265 SH   SOLE 5,265 0 0
LOWES COS INC COM 548661107 1,714 35,725 SH   SOLE 35,725 0 0
MASTERCARD INC CL A 57636Q104 3,490 47,505 SH   SOLE 47,505 0 0
MCDONALDS CORP COM 580135101 1,687 16,750 SH   SOLE 16,750 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 653 49,323 SH   SOLE 49,323 0 0
MONSANTO CO NEW COM 61166W101 218 1,750 SH   SOLE 1,750 0 0
NIKE INC CL B 654106103 4,737 61,084 SH   SOLE 61,084 0 0
NXP SEMICONDUCTORS N V COM N6596X109 529 8,000 SH   SOLE 8,000 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 343 9,303 SH   SOLE 9,303 0 0
PFIZER INC COM 717081103 1,184 39,882 SH   SOLE 39,882 0 0
PIMCO DYNAMIC INCOME FD SHS 72201Y101 515 15,102 SH   SOLE 15,102 0 0
PULTE GROUP INC COM 745867101 403 20,000 SH   SOLE 20,000 0 0
REGENERON PHARMACEUTICALS COM 75886F107 246 870 SH   SOLE 870 0 0
REGIONS FINL CORP NEW COM 7591EP100 457 43,035 SH   SOLE 43,035 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,737 36,396 SH   SOLE 36,396 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 749 19,565 SH   SOLE 19,565 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 690 19,506 SH   SOLE 19,506 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 876 15,986 SH   SOLE 15,986 0 0
SEALED AIR CORP NEW COM 81211K100 682 19,960 SH   SOLE 19,960 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 177 4,552 SH   SOLE 4,552 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 772 7,714 SH   SOLE 7,714 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 221 5,752 SH   SOLE 5,752 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,315 6,717 SH   SOLE 6,717 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 415 1,594 SH   SOLE 1,594 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 1,098 35,478 SH   SOLE 35,478 0 0
SPDR SER TR SPDR BOFA CRSS 78468R606 271 10,155 SH   SOLE 10,155 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 7,200 94,005 SH   SOLE 94,005 0 0
SPIRIT AIRLS INC COM 848577102 680 10,745 SH   SOLE 10,745 0 0
STARBUCKS CORP COM 855244109 2,142 27,682 SH   SOLE 27,682 0 0
TOTAL S A SPONSORED ADR 89151E109 1,543 21,375 SH   SOLE 21,375 0 0
TRIMBLE NAVIGATION LTD COM 896239100 557 15,080 SH   SOLE 15,080 0 0
TRUSTCO BK CORP N Y COM 898349105 124 18,503 SH   SOLE 18,503 0 0
TWITTER INC COM 90184L102 549 13,410 SH   SOLE 13,410 0 0
ULTRA PETROLEUM CORP COM 903914109 649 21,865 SH   SOLE 21,865 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,213 20,890 SH   SOLE 20,890 0 0
VARIAN MED SYS INC COM 92220P105 333 4,000 SH   SOLE 4,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,805 36,898 SH   SOLE 36,898 0 0
VISA INC COM CL A 92826C839 3,254 15,443 SH   SOLE 15,443 0 0