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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 1,105 567 SH   SOLE   567 0 0
APPLE INC COM 037833100 339 1,334 SH   SOLE   1,334 0 0
AURORA CANNABIS INC COM 05156X108 31 34,202 SH   SOLE   34,202 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 201 1,101 SH   SOLE   1,101 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 958 21,012 SH   SOLE   21,012 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 292 5,871 SH   SOLE   5,871 0 0
GLOBUS MED INC CL A 379577208 358 8,429 SH   SOLE   8,429 0 0
HEXO CORP COM 428304109 12 13,868 SH   SOLE   13,868 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 29,658 342,196 SH   SOLE   342,196 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 350 2,628 SH   SOLE   2,628 0 0
ISHARES TR CORE DIV GRWTH 46434V621 457 14,020 SH   SOLE   14,020 0 0
ISHARES TR CORE S&P TTL STK 464287150 685 11,982 SH   SOLE   11,982 0 0
ISHARES TR CORE S&P500 ETF 464287200 901 3,486 SH   SOLE   3,486 0 0
ISHARES TR CRE U S REIT ETF 464288521 274 6,985 SH   SOLE   6,985 0 0
ISHARES TR MBS ETF 464288588 3,106 28,124 SH   SOLE   28,124 0 0
ISHARES TR MODERT ALLOC ETF 464289875 1,931 52,567 SH   SOLE   52,567 0 0
ISHARES TR US TREAS BD ETF 46429B267 13,255 473,213 SH   SOLE   473,213 0 0
J P MORGAN EXCHANGE-TRADED F MUNICIPAL ETF 46641Q647 1,919 36,321 SH   SOLE   36,321 0 0
JOHNSON & JOHNSON COM 478160104 748 5,705 SH   SOLE   5,705 0 0
MCDONALDS CORP COM 580135101 286 1,731 SH   SOLE   1,731 0 0
MERCK & CO. INC COM 58933Y105 290 3,769 SH   SOLE   3,769 0 0
MICROSOFT CORP COM 594918104 553 3,506 SH   SOLE   3,506 0 0
NORFOLK SOUTHERN CORP COM 655844108 336 2,304 SH   SOLE   2,304 0 0
OUTLOOK THERAPEUTICS INC *W EXP 02/18/202 69012T115 3 20,000 SH   SOLE   20,000 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,552 25,778 SH   SOLE   25,778 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 423 7,203 SH   SOLE   7,203 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,604 108,333 SH   SOLE   108,333 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 940 15,558 SH   SOLE   15,558 0 0
SOUTHWEST AIRLS CO COM 844741108 324 9,103 SH   SOLE   9,103 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 7,138 48,213 SH   SOLE   48,213 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 412 17,211 SH   SOLE   17,211 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 433 13,781 SH   SOLE   13,781 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 5,599 185,263 SH   SOLE   185,263 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 217 8,570 SH   SOLE   8,570 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 12,414 404,096 SH   SOLE   404,096 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 284 9,386 SH   SOLE   9,386 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,085 13,582 SH   SOLE   13,582 0 0
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 224 6,846 SH   SOLE   6,846 0 0
TRUSTCO BK CORP N Y COM 898349105 108 20,000 SH   SOLE   20,000 0 0
UNIVEST FINANCIAL CORPORATIO COM 915271100 854 52,314 SH   SOLE   52,314 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 515 3,289 SH   SOLE   3,289 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 267 2,315 SH   SOLE   2,315 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 291 2,259 SH   SOLE   2,259 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 11,107 178,170 SH   SOLE   178,170 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 788 7,624 SH   SOLE   7,624 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 328 9,848 SH   SOLE   9,848 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 347 6,456 SH   SOLE   6,456 0 0
WATSCO INC COM 942622200 630 3,988 SH   SOLE   3,988 0 0