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 769 3,991 SH   SOLE   3,991 0 0
ABBOTT LABS COM 002824100 975 8,135 SH   SOLE   8,135 0 0
ADVANCED MICRO DEVICES INC COM 007903107 7,456 94,986 SH   SOLE   94,986 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 7,676 33,855 SH   SOLE   33,855 0 0
ALLY FINL INC COM 02005N100 4,056 89,710 SH   SOLE   89,710 0 0
ALPHABET INC CAP STK CL A 02079K305 23,731 11,506 SH   SOLE   11,506 0 0
AMAZON COM INC COM 023135106 10,882 3,517 SH   SOLE   3,517 0 0
AMERICAN EXPRESS CO COM 025816109 207 1,460 SH   SOLE   1,460 0 0
APPLE INC COM 037833100 33,136 271,272 SH   SOLE   271,272 0 0
ARK ETF TR FINTECH INNOVA 00214Q708 659 12,897 SH   SOLE   12,897 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 4,370 49,246 SH   SOLE   49,246 0 0
ARK ETF TR INNOVATION ETF 00214Q104 2,055 17,136 SH   SOLE   17,136 0 0
AT&T INC COM 00206R102 7,798 257,599 SH   SOLE   257,599 0 0
BAXTER INTL INC COM 071813109 416 4,933 SH   SOLE   4,933 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,445 5,655 SH   SOLE   5,655 0 0
BK OF AMERICA CORP COM 060505104 6,724 173,800 SH   SOLE   173,800 0 0
BOEING CO COM 097023105 1,840 7,223 SH   SOLE   7,223 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,430 54,333 SH   SOLE   54,333 0 0
CANADIAN NATL RY CO COM 136375102 613 5,285 SH   SOLE   5,285 0 0
CANOPY GROWTH CORP COM 138035100 1,077 33,627 SH   SOLE   33,627 0 0
CHEVRON CORP NEW COM 166764100 1,084 10,347 SH   SOLE   10,347 0 0
CITIGROUP INC COM NEW 172967424 5,569 76,547 SH   SOLE   76,547 0 0
COCA COLA CO COM 191216100 256 4,850 SH   SOLE   4,850 0 0
COMCAST CORP NEW CL A 20030N101 322 5,957 SH   SOLE   5,957 0 0
CSX CORP COM 126408103 200 2,077 SH   SOLE   2,077 0 0
DEERE & CO COM 244199105 299 799 SH   SOLE   799 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 3,270 67,725 SH   SOLE   67,725 0 0
DISNEY WALT CO COM 254687106 7,827 42,416 SH   SOLE   42,416 0 0
DOMINION ENERGY INC COM 25746U109 305 4,018 SH   SOLE   4,018 0 0
DRAFTKINGS INC COM CL A 26142R104 5,600 91,307 SH   SOLE   91,307 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 326 3,378 SH   SOLE   3,378 0 0
DXC TECHNOLOGY CO COM 23355L106 2,383 76,224 SH   SOLE   76,224 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 293 3,501 SH   SOLE   3,501 0 0
EQUINIX INC COM 29444U700 5,066 7,455 SH   SOLE   7,455 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 5,307 150,720 SH   SOLE   150,720 0 0
EXXON MOBIL CORP COM 30231G102 336 6,023 SH   SOLE   6,023 0 0
FACEBOOK INC CL A 30303M102 12,751 43,293 SH   SOLE   43,293 0 0
FIRST SOLAR INC COM 336433107 3,150 36,085 SH   SOLE   36,085 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,075 10,413 SH   SOLE   10,413 0 0
GENERAL ELECTRIC CO COM 369604103 516 39,271 SH   SOLE   39,271 0 0
GENERAL MTRS CO COM 37045V100 4,074 70,907 SH   SOLE   70,907 0 0
HONEYWELL INTL INC COM 438516106 1,103 5,082 SH   SOLE   5,082 0 0
IDEX CORP COM 45167R104 728 3,480 SH   SOLE   3,480 0 0
INTEL CORP COM 458140100 2,044 31,945 SH   SOLE   31,945 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,628 17,735 SH   SOLE   17,735 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 8,555 60,393 SH   SOLE   60,393 0 0
INVITAE CORP COM 46185L103 3,464 90,660 SH   SOLE   90,660 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,787 33,266 SH   SOLE   33,266 0 0
ISHARES TR GLOBAL 100 ETF 464287572 2,761 41,825 SH   SOLE   41,825 0 0
ISHARES TR PFD AND INCM SEC 464288687 470 12,243 SH   SOLE   12,243 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,720 7,785 SH   SOLE   7,785 0 0
ISHARES TR SELECT DIVID ETF 464287168 659 5,772 SH   SOLE   5,772 0 0
ISHARES TR SHORT TREAS BD 464288679 530 4,800 SH   SOLE   4,800 0 0
ISHARES TR TIPS BD ETF 464287176 1,142 9,103 SH   SOLE   9,103 0 0
JOHNSON & JOHNSON COM 478160104 7,072 43,029 SH   SOLE   43,029 0 0
JPMORGAN CHASE & CO COM 46625H100 9,673 63,543 SH   SOLE   63,543 0 0
KEYCORP COM 493267108 287 14,345 SH   SOLE   14,345 0 0
LOWES COS INC COM 548661107 16,888 88,798 SH   SOLE   88,798 0 0
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 4,750 96,970 SH   SOLE   96,970 0 0
MASTERCARD INCORPORATED CL A 57636Q104 11,317 31,784 SH   SOLE   31,784 0 0
MCDONALDS CORP COM 580135101 767 3,424 SH   SOLE   3,424 0 0
METLIFE INC COM 59156R108 748 12,305 SH   SOLE   12,305 0 0
MICROSOFT CORP COM 594918104 26,691 113,208 SH   SOLE   113,208 0 0
NBT BANCORP INC COM 628778102 289 7,250 SH   SOLE   7,250 0 0
NETFLIX INC COM 64110L106 759 1,455 SH   SOLE   1,455 0 0
NIKE INC CL B 654106103 10,312 77,602 SH   SOLE   77,602 0 0
NIO INC SPON ADS 62914V106 1,031 26,455 SH   SOLE   26,455 0 0
NVIDIA CORPORATION COM 67066G104 3,514 6,581 SH   SOLE   6,581 0 0
PAYPAL HLDGS INC COM 70450Y103 2,505 10,317 SH   SOLE   10,317 0 0
PENN NATL GAMING INC COM 707569109 1,208 11,522 SH   SOLE   11,522 0 0
PEPSICO INC COM 713448108 366 2,588 SH   SOLE   2,588 0 0
PFIZER INC COM 717081103 267 7,379 SH   SOLE   7,379 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 572 5,618 SH   SOLE   5,618 0 0
PIONEER BANCORP INC COM 723561106 227 19,500 SH   SOLE   19,500 0 0
PLUG POWER INC COM NEW 72919P202 286 7,977 SH   SOLE   7,977 0 0
PROCTER AND GAMBLE CO COM 742718109 328 2,423 SH   SOLE   2,423 0 0
QUALCOMM INC COM 747525103 6,810 51,365 SH   SOLE   51,365 0 0
REGENERON PHARMACEUTICALS COM 75886F107 3,534 7,469 SH   SOLE   7,469 0 0
SCHWAB CHARLES CORP COM 808513105 249 3,813 SH   SOLE   3,813 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,419 76,111 SH   SOLE   76,111 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 539 14,340 SH   SOLE   14,340 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 886 15,712 SH   SOLE   15,712 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,334 75,835 SH   SOLE   75,835 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,776 51,785 SH   SOLE   51,785 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 234 1,802 SH   SOLE   1,802 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,317 35,491 SH   SOLE   35,491 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 336 3,504 SH   SOLE   3,504 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,625 21,828 SH   SOLE   21,828 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 245 2,462 SH   SOLE   2,462 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,573 42,064 SH   SOLE   42,064 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,185 24,160 SH   SOLE   24,160 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 413 2,457 SH   SOLE   2,457 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 500 4,284 SH   SOLE   4,284 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 723 21,220 SH   SOLE   21,220 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 672 6,821 SH   SOLE   6,821 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,196 27,865 SH   SOLE   27,865 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,813 13,649 SH   SOLE   13,649 0 0
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 1,611 56,662 SH   SOLE   56,662 0 0
SOUTHERN CO COM 842587107 253 4,071 SH   SOLE   4,071 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 738 2,235 SH   SOLE   2,235 0 0
SPDR GOLD TR GOLD SHS 78463V107 351 2,192 SH   SOLE   2,192 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,573 6,493 SH   SOLE   6,493 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 562 1,180 SH   SOLE   1,180 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 752 24,544 SH   SOLE   24,544 0 0
SPDR SER TR S&P DIVID ETF 78464A763 234 1,981 SH   SOLE   1,981 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 1,018 14,465 SH   SOLE   14,465 0 0
STARBUCKS CORP COM 855244109 12,045 110,232 SH   SOLE   110,232 0 0
TARGET CORP COM 87612E106 5,398 27,251 SH   SOLE   27,251 0 0
TELADOC HEALTH INC COM 87918A105 3,797 20,892 SH   SOLE   20,892 0 0
TESLA INC COM 88160R101 795 1,190 SH   SOLE   1,190 0 0
TRIMBLE INC COM 896239100 2,456 31,570 SH   SOLE   31,570 0 0
TRUSTCO BK CORP N Y COM 898349105 85 11,589 SH   SOLE   11,589 0 0
ULTA BEAUTY INC COM 90384S303 386 1,250 SH   SOLE   1,250 0 0
UNITEDHEALTH GROUP INC COM 91324P102 372 1,000 SH   SOLE   1,000 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,192 24,708 SH   SOLE   24,708 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,336 64,678 SH   SOLE   64,678 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,835 33,468 SH   SOLE   33,468 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,120 72,135 SH   SOLE   72,135 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 239 4,295 SH   SOLE   4,295 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,218 32,985 SH   SOLE   32,985 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,401 133,304 SH   SOLE   133,304 0 0
VARIAN MED SYS INC COM 92220P105 353 2,000 SH   SOLE   2,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,798 48,111 SH   SOLE   48,111 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 3,929 18,285 SH   SOLE   18,285 0 0
VISA INC COM CL A 92826C839 9,627 45,471 SH   SOLE   45,471 0 0