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 1,586 575 SH   SOLE   575 0 0
AMERICAN TOWER CORP NEW COM 03027X100 227 879 SH   SOLE   879 0 0
APPLE INC COM 037833100 479 1,312 SH   SOLE   1,312 0 0
ARK ETF TR INNOVATION ETF 00214Q104 290 4,062 SH   SOLE   4,062 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 377 2,111 SH   SOLE   2,111 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 1,191 21,012 SH   SOLE   21,012 0 0
DISNEY WALT CO COM DISNEY 254687106 226 2,023 SH   SOLE   2,023 0 0
EXXON MOBIL CORP COM 30231G102 203 4,548 SH   SOLE   4,548 0 0
FIRST TR EXCHANGE TRADED FD TECH ALPHADEX 33734X176 203 2,431 SH   SOLE   2,431 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 1,390 23,169 SH   SOLE   23,169 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 406 6,950 SH   SOLE   6,950 0 0
GLOBUS MED INC CL A 379577208 389 8,163 SH   SOLE   8,163 0 0
HEXO CORP COM 428304109 10 13,868 SH   SOLE   13,868 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,189 7,069 SH   SOLE   7,069 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 414 3,099 SH   SOLE   3,099 0 0
ISHARES TR MODERT ALLOC ETF 464289875 1,652 41,441 SH   SOLE   41,441 0 0
ISHARES TR MBS ETF 464288588 3,328 30,059 SH   SOLE   30,059 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 281 3,242 SH   SOLE   3,242 0 0
ISHARES TR CORE S&P TTL STK 464287150 832 11,982 SH   SOLE   11,982 0 0
ISHARES TR CORE DIV GRWTH 46434V621 530 14,084 SH   SOLE   14,084 0 0
J P MORGAN EXCHANGE-TRADED F MUNICIPAL ETF 46641Q647 2,710 50,225 SH   SOLE   50,225 0 0
JOHNSON & JOHNSON COM 478160104 802 5,705 SH   SOLE   5,705 0 0
MCDONALDS CORP COM 580135101 330 1,788 SH   SOLE   1,788 0 0
MERCK & CO. INC COM 58933Y105 288 3,724 SH   SOLE   3,724 0 0
MICROSOFT CORP COM 594918104 714 3,506 SH   SOLE   3,506 0 0
NORFOLK SOUTHN CORP COM 655844108 405 2,304 SH   SOLE   2,304 0 0
OUTLOOK THERAPEUTICS INC *W EXP 02/18/202 69012T115 5 20,000 SH   SOLE   20,000 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 660 12,926 SH   SOLE   12,926 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 543 9,761 SH   SOLE   9,761 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,875 28,270 SH   SOLE   28,270 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 419 7,123 SH   SOLE   7,123 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,002 13,645 SH   SOLE   13,645 0 0
SOUTHWEST AIRLS CO COM 844741108 311 9,103 SH   SOLE   9,103 0 0
SPDR GOLD TR GOLD SHS 78463V107 8,770 52,397 SH   SOLE   52,397 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 469 16,985 SH   SOLE   16,985 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 438 1,420 SH   SOLE   1,420 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 268 8,570 SH   SOLE   8,570 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 375 9,928 SH   SOLE   9,928 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,229 13,472 SH   SOLE   13,472 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 651 20,778 SH   SOLE   20,778 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 15,955 440,128 SH   SOLE   440,128 0 0
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400 242 6,563 SH   SOLE   6,563 0 0
TRUSTCO BK CORP N Y COM 898349105 127 20,000 SH   SOLE   20,000 0 0
UNIVEST FINANCIAL CORPORATIO COM 915271100 844 52,314 SH   SOLE   52,314 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 373 2,558 SH   SOLE   2,558 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 665 3,289 SH   SOLE   3,289 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 41,970 268,125 SH   SOLE   268,125 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,959 52,924 SH   SOLE   52,924 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,768 106,544 SH   SOLE   106,544 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 858 7,320 SH   SOLE   7,320 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 333 8,584 SH   SOLE   8,584 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 251 2,296 SH   SOLE   2,296 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 205 1,256 SH   SOLE   1,256 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 364 6,604 SH   SOLE   6,604 0 0
WATSCO INC COM 942622200 709 3,988 SH   SOLE   3,988 0 0