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
ALPHABET INC CAP STK CL A 02079K305 514 249 SH   SOLE   249 0 0
ALPHABET INC CAP STK CL C 02079K107 424 205 SH   SOLE   205 0 0
AMAZON COM INC COM 023135106 2,082 673 SH   SOLE   673 0 0
AMERICAN TOWER CORP NEW COM 03027X100 213 892 SH   SOLE   892 0 0
APPLE INC COM 037833100 1,158 9,476 SH   SOLE   9,476 0 0
ARK ETF TR FINTECH INNOVA 00214Q708 1,292 25,289 SH   SOLE   25,289 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 757 8,534 SH   SOLE   8,534 0 0
ARK ETF TR INNOVATION ETF 00214Q104 13,734 114,498 SH   SOLE   114,498 0 0
BECTON DICKINSON & CO COM 075887109 213 875 SH   SOLE   875 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,384 5,417 SH   SOLE   5,417 0 0
BLACKROCK INC COM 09247X101 234 310 SH   SOLE   310 0 0
BLACKSTONE GROUP INC COM 09260D107 1,809 24,272 SH   SOLE   24,272 0 0
DISNEY WALT CO COM 254687106 226 1,224 SH   SOLE   1,224 0 0
ETF MANAGERS TR ETFMG TRAVEL TEC 26924G771 725 23,194 SH   SOLE   23,194 0 0
EXELON CORP COM 30161N101 209 4,773 SH   SOLE   4,773 0 0
EXXON MOBIL CORP COM 30231G102 263 4,716 SH   SOLE   4,716 0 0
FACEBOOK INC CL A 30303M102 534 1,813 SH   SOLE   1,813 0 0
FIRST TR EXCHANGE TRADED FD TECH ALPHADEX 33734X176 276 2,431 SH   SOLE   2,431 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 292 4,123 SH   SOLE   4,123 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 1,061 17,700 SH   SOLE   17,700 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 787 28,835 SH   SOLE   28,835 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 851 2,666 SH   SOLE   2,666 0 0
ISHARES GOLD TR ISHARES 464285105 323 19,887 SH   SOLE   19,887 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 803 6,185 SH   SOLE   6,185 0 0
ISHARES TR CORE DIV GRWTH 46434V621 17,112 354,512 SH   SOLE   354,512 0 0
ISHARES TR CORE S&P SCP ETF 464287804 304 2,801 SH   SOLE   2,801 0 0
ISHARES TR CORE S&P TTL STK 464287150 913 9,962 SH   SOLE   9,962 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,107 5,297 SH   SOLE   5,297 0 0
ISHARES TR ESG AWARE MODRTE 46436E684 350 12,544 SH   SOLE   12,544 0 0
ISHARES TR MODERT ALLOC ETF 464289875 876 20,111 SH   SOLE   20,111 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,665 14,347 SH   SOLE   14,347 0 0
J P MORGAN EXCHANGE-TRADED F MUNICIPAL ETF 46641Q647 4,362 80,008 SH   SOLE   80,008 0 0
JOHNSON & JOHNSON COM 478160104 1,231 7,488 SH   SOLE   7,488 0 0
LULULEMON ATHLETICA INC COM 550021109 214 697 SH   SOLE   697 0 0
MASTERCARD INCORPORATED CL A 57636Q104 332 933 SH   SOLE   933 0 0
MCDONALDS CORP COM 580135101 284 1,269 SH   SOLE   1,269 0 0
MEDTRONIC PLC SHS G5960L103 285 2,409 SH   SOLE   2,409 0 0
MICRON TECHNOLOGY INC COM 595112103 328 3,723 SH   SOLE   3,723 0 0
MICROSOFT CORP COM 594918104 1,154 4,896 SH   SOLE   4,896 0 0
MONDELEZ INTL INC CL A 609207105 345 5,886 SH   SOLE   5,886 0 0
NIKE INC CL B 654106103 256 1,924 SH   SOLE   1,924 0 0
NORFOLK SOUTHN CORP COM 655844108 330 1,230 SH   SOLE   1,230 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 21,315 495,349 SH   SOLE   495,349 0 0
NVIDIA CORPORATION COM 67066G104 436 816 SH   SOLE   816 0 0
OUTLOOK THERAPEUTICS INC *W EXP 02/18/202 69012T115 10 10,000 SH   SOLE   10,000 0 0
PAYPAL HLDGS INC COM 70450Y103 473 1,949 SH   SOLE   1,949 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 251 2,457 SH   SOLE   2,457 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 17,904 318,571 SH   SOLE   318,571 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 975 18,980 SH   SOLE   18,980 0 0
QUALCOMM INC COM 747525103 208 1,571 SH   SOLE   1,571 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,612 16,673 SH   SOLE   16,673 0 0
SEA LTD SPONSORD ADS 81141R100 399 1,786 SH   SOLE   1,786 0 0
SERVICENOW INC COM 81762P102 370 740 SH   SOLE   740 0 0
SOUTHWEST AIRLS CO COM 844741108 563 9,213 SH   SOLE   9,213 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 765 2,316 SH   SOLE   2,316 0 0
SPDR GOLD TR GOLD SHS 78463V107 7,002 43,773 SH   SOLE   43,773 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,228 3,099 SH   SOLE   3,099 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 393 8,595 SH   SOLE   8,595 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 5,754 123,444 SH   SOLE   123,444 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 674 21,511 SH   SOLE   21,511 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,109 9,396 SH   SOLE   9,396 0 0
TIDAL ETF TR ATAC US ROTATION 886364843 441 19,769 SH   SOLE   19,769 0 0
TRUSTCO BK CORP N Y COM 898349105 149 20,204 SH   SOLE   20,204 0 0
UNIVEST FINANCIAL CORPORATIO COM 915271100 1,470 51,403 SH   SOLE   51,403 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 30,958 348,899 SH   SOLE   348,899 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 708 2,756 SH   SOLE   2,756 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 418 1,146 SH   SOLE   1,146 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 672 3,141 SH   SOLE   3,141 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 240 873 SH   SOLE   873 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 22,110 106,970 SH   SOLE   106,970 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 205 3,929 SH   SOLE   3,929 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 24,628 253,141 SH   SOLE   253,141 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 15,738 288,023 SH   SOLE   288,023 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,059 14,002 SH   SOLE   14,002 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,020 20,777 SH   SOLE   20,777 0 0
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 6,216 65,775 SH   SOLE   65,775 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 465 6,302 SH   SOLE   6,302 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 216 1,540 SH   SOLE   1,540 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 316 5,434 SH   SOLE   5,434 0 0
VISA INC COM CL A 92826C839 390 1,841 SH   SOLE   1,841 0 0
WALMART INC COM 931142103 252 1,858 SH   SOLE   1,858 0 0
WATSCO INC CL B CONV 942622101 702 2,727 SH   SOLE   2,727 0 0
WATSCO INC COM 942622200 719 2,759 SH   SOLE   2,759 0 0
WISDOMTREE TR CLOUD COMPUTNG 97717Y691 307 6,376 SH   SOLE   6,376 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 8,187 201,195 SH   SOLE   201,195 0 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 374 18,622 SH   SOLE   18,622 0 0