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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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
AMAZON COM INC COM 023135106 1,057 572 SH   SOLE   572 0 0
AMERICAN TOWER CORP NEW COM 03027X100 202 879 SH   SOLE   879 0 0
APPLE INC COM 037833100 551 1,875 SH   SOLE   1,875 0 0
AT&T INC COM 00206R102 224 5,726 SH   SOLE   5,726 0 0
AURORA CANNABIS INC COM 05156X108 75 34,932 SH   SOLE   34,932 0 0
BECTON DICKINSON & CO COM 075887109 226 832 SH   SOLE   832 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 230 1,014 SH   SOLE   1,014 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 1,281 22,894 SH   SOLE   22,894 0 0
DISNEY WALT CO COM DISNEY 254687106 275 1,902 SH   SOLE   1,902 0 0
EXXON MOBIL CORP COM 30231G102 305 4,378 SH   SOLE   4,378 0 0
FIRST TR EXCHANGE TRADED FD CAP STRENGTH ETF 33733E104 470 7,789 SH   SOLE   7,789 0 0
GLOBUS MED INC CL A 379577208 648 10,999 SH   SOLE   10,999 0 0
HEXO CORP COM 428304109 22 13,868 SH   SOLE   13,868 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 573 4,444 SH   SOLE   4,444 0 0
ISHARES TR CORE INTL AGGR 46435G672 4,069 74,261 SH   SOLE   74,261 0 0
ISHARES TR CORE S&P TTL STK 464287150 871 11,982 SH   SOLE   11,982 0 0
ISHARES TR CRE U S REIT ETF 464288521 18,010 329,916 SH   SOLE   329,916 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 266 5,553 SH   SOLE   5,553 0 0
ISHARES TR MODERT ALLOC ETF 464289875 51,019 1,271,336 SH   SOLE   1,271,336 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 373 8,306 SH   SOLE   8,306 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 778 6,198 SH   SOLE   6,198 0 0
JOHNSON & JOHNSON COM 478160104 820 5,621 SH   SOLE   5,621 0 0
JP MORGAN EXCHANGE TRADED FD MUNICIPAL ETF 46641Q647 214 3,995 SH   SOLE   3,995 0 0
JPMORGAN CHASE & CO COM 46625H100 239 1,718 SH   SOLE   1,718 0 0
MCDONALDS CORP COM 580135101 382 1,931 SH   SOLE   1,931 0 0
MERCK & CO INC COM 58933Y105 305 3,355 SH   SOLE   3,355 0 0
MICROSOFT CORP COM 594918104 540 3,422 SH   SOLE   3,422 0 0
NORFOLK SOUTHERN CORP COM 655844108 447 2,304 SH   SOLE   2,304 0 0
OUTLOOK THERAPEUTICS INC *W EXP 02/18/202 69012T115 2 20,000 SH   SOLE   20,000 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 367 6,680 SH   SOLE   6,680 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 639 11,961 SH   SOLE   11,961 0 0
SOUTHWEST AIRLS CO COM 844741108 491 9,103 SH   SOLE   9,103 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 4,974 34,806 SH   SOLE   34,806 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,271 104,325 SH   SOLE   104,325 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,719 125,545 SH   SOLE   125,545 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,749 24,075 SH   SOLE   24,075 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 3,949 134,407 SH   SOLE   134,407 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 5,679 146,113 SH   SOLE   146,113 0 0
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 11,978 316,701 SH   SOLE   316,701 0 0
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 331 9,136 SH   SOLE   9,136 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 241 7,810 SH   SOLE   7,810 0 0
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 26,280 659,296 SH   SOLE   659,296 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,714 15,932 SH   SOLE   15,932 0 0
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 312 7,800 SH   SOLE   7,800 0 0
TRUSTCO BK CORP N Y COM 898349105 173 20,000 SH   SOLE   20,000 0 0
UNIVEST FINANCIAL CORPORATIO COM 915271100 1,474 55,026 SH   SOLE   55,026 0 0
VANGUARD GROUP DIV APP ETF 921908844 1,052 8,442 SH   SOLE   8,442 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 467 2,566 SH   SOLE   2,566 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 379 2,314 SH   SOLE   2,314 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 31,351 387,101 SH   SOLE   387,101 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 305 6,925 SH   SOLE   6,925 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 225 2,400 SH   SOLE   2,400 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 466 7,588 SH   SOLE   7,588 0 0
WATSCO INC COM 942622200 718 3,988 SH   SOLE   3,988 0 0