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 697 3,990 SH   SOLE   3,990 0 0
ABBOTT LABS COM 002824100 962 8,785 SH   SOLE   8,785 0 0
ADVANCED MICRO DEVICES INC COM 007903107 8,584 93,604 SH   SOLE   93,604 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 8,147 35,008 SH   SOLE   35,008 0 0
ALPHABET INC CAP STK CL A 02079K305 20,262 11,561 SH   SOLE   11,561 0 0
AMAZON COM INC COM 023135106 11,888 3,650 SH   SOLE   3,650 0 0
APPLE INC COM 037833100 37,341 281,416 SH   SOLE   281,416 0 0
ARK ETF TR FINTECH INNOVA 00214Q708 679 13,650 SH   SOLE   13,650 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 4,614 49,475 SH   SOLE   49,475 0 0
ARK ETF TR INNOVATION ETF 00214Q104 3,067 24,640 SH   SOLE   24,640 0 0
AT&T INC COM 00206R102 4,587 159,500 SH   SOLE   159,500 0 0
BAXTER INTL INC COM 071813109 261 3,250 SH   SOLE   3,250 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 429 1,852 SH   SOLE   1,852 0 0
BK OF AMERICA CORP COM 060505104 5,338 176,130 SH   SOLE   176,130 0 0
BOEING CO COM 097023105 1,578 7,373 SH   SOLE   7,373 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,740 44,173 SH   SOLE   44,173 0 0
CANADIAN NATL RY CO COM 136375102 581 5,285 SH   SOLE   5,285 0 0
CANOPY GROWTH CORP COM 138035100 413 16,767 SH   SOLE   16,767 0 0
CHEVRON CORP NEW COM 166764100 898 10,631 SH   SOLE   10,631 0 0
CITIGROUP INC COM NEW 172967424 3,101 50,289 SH   SOLE   50,289 0 0
COCA COLA CO COM 191216100 1,908 34,784 SH   SOLE   34,784 0 0
COMCAST CORP NEW CL A 20030N101 317 6,053 SH   SOLE   6,053 0 0
DEERE & CO COM 244199105 215 799 SH   SOLE   799 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 2,710 67,395 SH   SOLE   67,395 0 0
DISNEY WALT CO COM 254687106 7,150 39,464 SH   SOLE   39,464 0 0
DOMINION ENERGY INC COM 25746U109 302 4,018 SH   SOLE   4,018 0 0
DRAFTKINGS INC COM CL A 26142R104 3,415 73,342 SH   SOLE   73,342 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 309 3,378 SH   SOLE   3,378 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 322 3,535 SH   SOLE   3,535 0 0
EQUINIX INC COM 29444U700 5,463 7,650 SH   SOLE   7,650 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 4,980 148,225 SH   SOLE   148,225 0 0
EXXON MOBIL CORP COM 30231G102 248 6,014 SH   SOLE   6,014 0 0
FACEBOOK INC CL A 30303M102 14,030 51,360 SH   SOLE   51,360 0 0
FIRST SOLAR INC COM 336433107 3,867 39,095 SH   SOLE   39,095 0 0
GENERAL ELECTRIC CO COM 369604103 417 38,605 SH   SOLE   38,605 0 0
GENERAL MTRS CO COM 37045V100 467 11,210 SH   SOLE   11,210 0 0
HONEYWELL INTL INC COM 438516106 1,091 5,127 SH   SOLE   5,127 0 0
IDEX CORP COM 45167R104 693 3,480 SH   SOLE   3,480 0 0
INTEL CORP COM 458140100 1,641 32,935 SH   SOLE   32,935 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 647 6,300 SH   SOLE   6,300 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,105 40,023 SH   SOLE   40,023 0 0
INVITAE CORP COM 46185L103 3,848 92,040 SH   SOLE   92,040 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,585 30,332 SH   SOLE   30,332 0 0
ISHARES TR GLOBAL 100 ETF 464287572 2,629 41,793 SH   SOLE   41,793 0 0
ISHARES TR PFD AND INCM SEC 464288687 460 11,948 SH   SOLE   11,948 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,598 8,150 SH   SOLE   8,150 0 0
ISHARES TR SELECT DIVID ETF 464287168 579 6,022 SH   SOLE   6,022 0 0
ISHARES TR SHORT TREAS BD 464288679 531 4,800 SH   SOLE   4,800 0 0
ISHARES TR TIPS BD ETF 464287176 1,258 9,853 SH   SOLE   9,853 0 0
JOHNSON & JOHNSON COM 478160104 6,628 42,114 SH   SOLE   42,114 0 0
JPMORGAN CHASE & CO COM 46625H100 8,708 68,541 SH   SOLE   68,541 0 0
KEYCORP COM 493267108 254 15,493 SH   SOLE   15,493 0 0
KIRKLAND LAKE GOLD LTD COM 49741E100 2,611 63,260 SH   SOLE   63,260 0 0
LOWES COS INC COM 548661107 14,455 90,056 SH   SOLE   90,056 0 0
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 4,763 100,190 SH   SOLE   100,190 0 0
MASTERCARD INCORPORATED CL A 57636Q104 11,739 32,889 SH   SOLE   32,889 0 0
MCDONALDS CORP COM 580135101 2,711 12,635 SH   SOLE   12,635 0 0
MICROSOFT CORP COM 594918104 25,518 114,732 SH   SOLE   114,732 0 0
NBT BANCORP INC COM 628778102 225 7,000 SH   SOLE   7,000 0 0
NETFLIX INC COM 64110L106 787 1,455 SH   SOLE   1,455 0 0
NIKE INC CL B 654106103 11,202 79,180 SH   SOLE   79,180 0 0
NVIDIA CORPORATION COM 67066G104 3,497 6,697 SH   SOLE   6,697 0 0
PAYPAL HLDGS INC COM 70450Y103 2,394 10,222 SH   SOLE   10,222 0 0
PENN NATL GAMING INC COM 707569109 1,228 14,217 SH   SOLE   14,217 0 0
PEPSICO INC COM 713448108 390 2,627 SH   SOLE   2,627 0 0
PFIZER INC COM 717081103 236 6,404 SH   SOLE   6,404 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 573 5,618 SH   SOLE   5,618 0 0
PIONEER BANCORP INC COM 723561106 206 19,500 SH   SOLE   19,500 0 0
PLUG POWER INC COM NEW 72919P202 338 9,982 SH   SOLE   9,982 0 0
PROCTER AND GAMBLE CO COM 742718109 351 2,523 SH   SOLE   2,523 0 0
QUALCOMM INC COM 747525103 6,322 41,499 SH   SOLE   41,499 0 0
REGENERON PHARMACEUTICALS COM 75886F107 3,269 6,767 SH   SOLE   6,767 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,098 68,434 SH   SOLE   68,434 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 520 14,450 SH   SOLE   14,450 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 923 15,857 SH   SOLE   15,857 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,974 76,649 SH   SOLE   76,649 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,406 53,109 SH   SOLE   53,109 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,393 18,639 SH   SOLE   18,639 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,188 36,751 SH   SOLE   36,751 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 332 3,647 SH   SOLE   3,647 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,466 21,505 SH   SOLE   21,505 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 219 2,462 SH   SOLE   2,462 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,167 18,799 SH   SOLE   18,799 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 399 2,482 SH   SOLE   2,482 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 486 4,289 SH   SOLE   4,289 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 567 19,245 SH   SOLE   19,245 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 602 6,795 SH   SOLE   6,795 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,012 13,975 SH   SOLE   13,975 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,837 14,128 SH   SOLE   14,128 0 0
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 672 24,893 SH   SOLE   24,893 0 0
SOUTHERN CO COM 842587107 250 4,071 SH   SOLE   4,071 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 725 2,370 SH   SOLE   2,370 0 0
SPDR GOLD TR GOLD SHS 78463V107 391 2,192 SH   SOLE   2,192 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,432 6,506 SH   SOLE   6,506 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 495 1,180 SH   SOLE   1,180 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 761 24,868 SH   SOLE   24,868 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 807 13,995 SH   SOLE   13,995 0 0
STARBUCKS CORP COM 855244109 12,218 114,209 SH   SOLE   114,209 0 0
TARGET CORP COM 87612E106 4,937 27,969 SH   SOLE   27,969 0 0
TELADOC HEALTH INC COM 87918A105 1,469 7,347 SH   SOLE   7,347 0 0
TESLA INC COM 88160R101 773 1,095 SH   SOLE   1,095 0 0
TRUSTCO BK CORP N Y COM 898349105 79 11,785 SH   SOLE   11,785 0 0
ULTA BEAUTY INC COM 90384S303 3,986 13,882 SH   SOLE   13,882 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,211 12,007 SH   SOLE   12,007 0 0
VANECK MERK GOLD TR GOLD TRUST 921078101 204 11,000 SH   SOLE   11,000 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,313 24,916 SH   SOLE   24,916 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,192 62,366 SH   SOLE   62,366 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,002 34,043 SH   SOLE   34,043 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,815 65,158 SH   SOLE   65,158 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 244 4,495 SH   SOLE   4,495 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,319 33,410 SH   SOLE   33,410 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,597 119,382 SH   SOLE   119,382 0 0
VARIAN MED SYS INC COM 92220P105 350 2,000 SH   SOLE   2,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,747 46,754 SH   SOLE   46,754 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 878 3,715 SH   SOLE   3,715 0 0
VISA INC COM CL A 92826C839 10,297 47,080 SH   SOLE   47,080 0 0