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
AMAZON COM INC COM Stock 023135106 236 245 SH   SOLE 0 245 0 0
CBS CORP NEW CL B Stock 124857202 7 125 SH   SOLE 0 125 0 0
COHERENT INC COM Stock 192479103 29 123 SH   SOLE 0 123 0 0
PRUDENTIAL FINL INC COM Stock 744320102 30 281 SH   SOLE 0 281 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND ETF 97717W851 1 24 SH   SOLE 0 24 0 0
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109 4 297 SH   SOLE 0 297 0 0
SIRIUS XM HLDGS INC COM Stock 82968B103 8 1,436 SH   SOLE 0 1,436 0 0
POWERSHARES QQQ TRUST, SERIES 1 ETF 73935A104 133 916 SH   SOLE 0 916 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 37 628 SH   SOLE 0 628 0 0
STARBUCKS CORP COM Stock 855244109 274 5,100 SH   SOLE 0 5,100 0 0
SEMPRA ENERGY COM Stock 816851109 34 300 SH   SOLE 0 300 0 0
DELUXE CORP COM Stock 248019101 31 430 SH   SOLE 0 430 0 0
ARROW FINL CORP COM Stock 042744102 6 180 SH   SOLE 0 180 0 0
ANTHEM INC COM Stock 036752103 40 210 SH   SOLE 0 210 0 0
ISHARES COMEX GOLD TRUST ETF 464285105 34 2,752 SH   SOLE 0 2,752 0 0
RMR GROUP INC CL A Stock 74967R106 0 2 SH   SOLE 0 2 0 0
JOHNSON & JOHNSON COM Stock 478160104 867 6,667 SH   SOLE 0 6,667 0 0
WASTE MGMT INC DEL COM Stock 94106L109 121 1,545 SH   SOLE 0 1,545 0 0
EDITAS MEDICINE INC COM Stock 28106W103 4 151 SH   SOLE 0 151 0 0
ABB LTD SPONSORED ADR ADR 000375204 2 90 SH   SOLE 0 90 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 17,614 135,994 SH   SOLE 0 135,994 0 0
POWERSHARES WATER RESOURCES PORTFOLIO ETF 73935X575 111 3,900 SH   SOLE 0 3,900 0 0
PRAXAIR INC COM Stock 74005P104 198 1,418 SH   SOLE 0 1,418 0 0
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 71 762 SH   SOLE 0 762 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390 8 235 SH   SOLE 0 235 0 0
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 0 3 SH   SOLE 0 3 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 99 1,085 SH   SOLE 0 1,085 0 0
COCA COLA CO COM Stock 191216100 52 1,156 SH   SOLE 0 1,156 0 0
NORDIC AMERICAN TANKERS LIMITE COM Stock G65773106 1 100 SH   SOLE 0 100 0 0
GENERAL MLS INC COM Stock 370334104 31 599 SH   SOLE 0 599 0 0
INTELLIA THERAPEUTICS INC COM Stock 45826J105 3 119 SH   SOLE 0 119 0 0
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 16 563 SH   SOLE 0 563 0 0
ENTERPRISE PRODS PARTNERS L P COM Stock 293792107 282 10,800 SH   SOLE 0 10,800 0 0
ISHARES NEW YORK MUNI BOND ETF ETF 464288323 623 5,564 SH   SOLE 0 5,564 0 0
BB&T CORP COM Stock 054937107 24 513 SH   SOLE 0 513 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 12 100 SH   SOLE 0 100 0 0
VANGUARD REIT ETF ETF 922908553 83 999 SH   SOLE 0 999 0 0
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 126 1,209 SH   SOLE 0 1,209 0 0
ISHARES MSCI ACWI EX US INDEX FUND ETF 464288240 521 10,766 SH   SOLE 0 10,766 0 0
INTEL CORP COM Stock 458140100 402 10,555 SH   SOLE 0 10,555 0 0
MEDTRONIC PLC SHS Stock G5960L103 57 734 SH   SOLE 0 734 0 0
CLOROX CO DEL COM Stock 189054109 7 50 SH   SOLE 0 50 0 0
ISHARES MSCI TAIWAN CAPPED ETF ETF 46434G772 16 450 SH   SOLE 0 450 0 0
NETFLIX INC COM Stock 64110L106 29 161 SH   SOLE 0 161 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 84 666 SH   SOLE 0 666 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF ETF 78467X109 124 553 SH   SOLE 0 553 0 0
PAYCHEX INC COM Stock 704326107 6 100 SH   SOLE 0 100 0 0
ISHARES S&P AGGRESSIVE ALLOCATION FUND ETF 464289859 6 118 SH   SOLE 0 118 0 0
PEOPLES UNITED FINANCIAL INC COM Stock 712704105 7 392 SH   SOLE 0 392 0 0
ISHARES SILVER TRUST ETF 46428Q109 1 95 SH   SOLE 0 95 0 0
ISHARES GROWTH ALLOCATION FUND ETF 464289867 31 690 SH   SOLE 0 690 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 1 38 SH   SOLE 0 38 0 0
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 3 72 SH   SOLE 0 72 0 0
SPDR SSGA GENDER DIVERSITY INDEX ETF ETF 78468R747 3 47 SH   SOLE 0 47 0 0
AGNC INVT CORP COM REIT 00123Q104 54 2,500 SH   SOLE 0 2,500 0 0
MERCK & CO INC COM Stock 58933Y105 261 4,077 SH   SOLE 0 4,077 0 0
SPDR S&P 500 ETF ETF 78462F103 39 154 SH   SOLE 0 154 0 0
ADVANSIX INC COM Stock 00773T101 0 6 SH   SOLE 0 6 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 14 100 SH   SOLE 0 100 0 0
URSTADT BIDDLE PPTYS INC CL A REIT 917286205 15 708 SH   SOLE 0 708 0 0
CRISPR THERAPEUTICS AG NAMEN AKT Stock H17182108 1 60 SH   SOLE 0 60 0 0
EMERSON ELEC CO COM Stock 291011104 6 100 SH   SOLE 0 100 0 0
ANNALY CAP MGMT INC COM REIT 035710409 49 4,000 SH   SOLE 0 4,000 0 0
ALASKA AIR GROUP INC COM Stock 011659109 30 393 SH   SOLE 0 393 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822 1 9 SH   SOLE 0 9 0 0
ISHARES TIPS BOND ETF ETF 464287176 619 5,450 SH   SOLE 0 5,450 0 0
URSTADT BIDDLE PPTYS INC COM REIT 917286106 4 221 SH   SOLE 0 221 0 0
ARCONIC INC COM Stock 03965L100 1 33 SH   SOLE 0 33 0 0
FIRST DATA CORP NEW COM CL A Stock 32008D106 60 3,300 SH   SOLE 0 3,300 0 0
GUGGENHEIM S&P MIDCAP 400 PURE GROWTH ETF ETF 78355W601 23 162 SH   SOLE 0 162 0 0
COHEN & STEERS GLOBAL INC BLDR COM CEF 19248M103 19 2,000 SH   SOLE 0 2,000 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 698 14,098 SH   SOLE 0 14,098 0 0
CHUBB LIMITED COM Stock H1467J104 30 207 SH   SOLE 0 207 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 457 3,975 SH   SOLE 0 3,975 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564 5 51 SH   SOLE 0 51 0 0
FEDEX CORP COM Stock 31428X106 83 369 SH   SOLE 0 369 0 0
PEPSICO INC COM Stock 713448108 473 4,249 SH   SOLE 0 4,249 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 274 3,250 SH   SOLE 0 3,250 0 0
ISHARES MSCI EUROZONE ETF ETF 464286608 1 19 SH   SOLE 0 19 0 0
NEWELL BRANDS INC COM Stock 651229106 0 0 SH   SOLE 0 0 0 0
SNAP INC CL A Stock 83304A106 1 100 SH   SOLE 0 100 0 0
UNILEVER N V N Y SHS NEW ADR 904784709 6 100 SH   SOLE 0 100 0 0
ISHARES MODERATE ALLOCATION FUND ETF 464289875 5 122 SH   SOLE 0 122 0 0
KIMBERLY CLARK CORP COM Stock 494368103 34 289 SH   SOLE 0 289 0 0
TE CONNECTIVITY LTD REG SHS Stock H84989104 113 1,364 SH   SOLE 0 1,364 0 0
HONEYWELL INTL INC COM Stock 438516106 78 550 SH   SOLE 0 550 0 0
FIRSTENERGY CORP COM Stock 337932107 0 0 SH   SOLE 0 0 0 0
FORD MTR CO DEL COM PAR $0.01 Stock 345370860 44 3,634 SH   SOLE 0 3,634 0 0
OMEGA HEALTHCARE INVS INC COM REIT 681936100 134 4,200 SH   SOLE 0 4,200 0 0
BP PLC SPONSORED ADR ADR 055622104 6 164 SH   SOLE 0 164 0 0
HOME DEPOT INC COM Stock 437076102 178 1,090 SH   SOLE 0 1,090 0 0
BAXTER INTL INC COM Stock 071813109 31 496 SH   SOLE 0 496 0 0
STARWOOD PPTY TR INC COM REIT 85571B105 29 1,339 SH   SOLE 0 1,339 0 0
BAKER HUGHES A GE CO CL A Stock 05722G100 5 150 SH   SOLE 0 150 0 0
JBG SMITH PPTYS COM REIT 46590V100 18 527 SH   SOLE 0 527 0 0
GLU MOBILE INC COM Stock 379890106 37 9,930 SH   SOLE 0 9,930 0 0
DOWDUPONT INC COM Stock 26078J100 108 1,554 SH   SOLE 0 1,554 0 0
MICRO FOCUS INTERNATIONAL PLC SPON ADR NEW ADR 594837304 1 40 SH   SOLE 0 40 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 33 400 SH   SOLE 0 400 0 0
BHP BILLITON LTD SPONSORED ADR ADR 088606108 8 200 SH   SOLE 0 200 0 0
SPDR GOLD SHARES ETF 78463V107 20 161 SH   SOLE 0 161 0 0
POWERSHARES GLOBAL GOLD AND PRECIOUS METALS PORTFOLIO ETF 73936Q876 39 2,000 SH   SOLE 0 2,000 0 0
SOUTHERN CO COM Stock 842587107 54 1,100 SH   SOLE 0 1,100 0 0
GREENE COUNTY BANCORP INC COM Stock 394357107 35 1,180 SH   SOLE 0 1,180 0 0
BROADRIDGE FINL SOLUTIONS INC COM Stock 11133T103 30 368 SH   SOLE 0 368 0 0
KEYCORP NEW COM Stock 493267108 173 9,201 SH   SOLE 0 9,201 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 77 1,265 SH   SOLE 0 1,265 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 202 6,025 SH   SOLE 0 6,025 0 0
WHIRLPOOL CORP COM Stock 963320106 17 94 SH   SOLE 0 94 0 0
CENTURYLINK INC COM Stock 156700106 0 1 SH   SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 793 4,327 SH   SOLE 0 4,327 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 1,753 65,137 SH   SOLE 0 65,137 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 2,969 37,055 SH   SOLE 0 37,055 0 0
EXELON CORP COM Stock 30161N101 32 858 SH   SOLE 0 858 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 18,514 210,367 SH   SOLE 0 210,367 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 492 505 SH   SOLE 0 505 0 0
PG&E CORP COM Stock 69331C108 24 356 SH   SOLE 0 356 0 0
HALLIBURTON CO COM Stock 406216101 33 718 SH   SOLE 0 718 0 0
CSX CORP COM Stock 126408103 5 100 SH   SOLE 0 100 0 0
COMCAST CORP NEW CL A Stock 20030N101 26 684 SH   SOLE 0 684 0 0
MICROSOFT CORP COM Stock 594918104 449 6,028 SH   SOLE 0 6,028 0 0
VALERO ENERGY CORP NEW COM Stock 91913Y100 39 507 SH   SOLE 0 507 0 0
CVS HEALTH CORP COM Stock 126650100 182 2,232 SH   SOLE 0 2,232 0 0
ACCO BRANDS CORP COM Stock 00081T108 1 94 SH   SOLE 0 94 0 0
DTE ENERGY CO COM Stock 233331107 7 63 SH   SOLE 0 63 0 0
TEXTRON INC COM Stock 883203101 11 200 SH   SOLE 0 200 0 0
AVERY DENNISON CORP COM Stock 053611109 22 226 SH   SOLE 0 226 0 0
ARES CAP CORP COM CEF 04010L103 230 14,008 SH   SOLE 0 14,008 0 0
BOEING CO COM Stock 097023105 243 956 SH   SOLE 0 956 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 484 3,424 SH   SOLE 0 3,424 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 15 100 SH   SOLE 0 100 0 0
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 7 60 SH   SOLE 0 60 0 0
NEXTERA ENERGY INC COM Stock 65339F101 56 383 SH   SOLE 0 383 0 0
NIKE INC CL B Stock 654106103 10 200 SH   SOLE 0 200 0 0
WYNDHAM WORLDWIDE CORP COM Stock 98310W108 17 163 SH   SOLE 0 163 0 0
TESLA INC COM Stock 88160R101 9 25 SH   SOLE 0 25 0 0
WESTERN ASSET GLOBAL CP DEFINE COM CEF 95790C107 36 2,000 SH   SOLE 0 2,000 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 48 315 SH   SOLE 0 315 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 1 31 SH   SOLE 0 31 0 0
NORFOLK SOUTHERN CORP COM Stock 655844108 40 300 SH   SOLE 0 300 0 0
HOST HOTELS & RESORTS INC COM REIT 44107P104 0 3 SH   SOLE 0 3 0 0
VORNADO RLTY TR SH BEN INT REIT 929042109 81 1,055 SH   SOLE 0 1,055 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 23 465 SH   SOLE 0 465 0 0
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 18 130 SH   SOLE 0 130 0 0
HARLEY DAVIDSON INC COM Stock 412822108 10 205 SH   SOLE 0 205 0 0
STANLEY BLACK & DECKER INC COM Stock 854502101 32 215 SH   SOLE 0 215 0 0
HANESBRANDS INC COM Stock 410345102 10 400 SH   SOLE 0 400 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 3 39 SH   SOLE 0 39 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 76 234 SH   SOLE 0 234 0 0
CONSOLIDATED EDISON INC COM Stock 209115104 113 1,400 SH   SOLE 0 1,400 0 0
GENERAL MTRS CO COM Stock 37045V100 222 5,500 SH   SOLE 0 5,500 0 0
GUGGENHEIM S&P 500 EQUAL WEIGHT ETF ETF 78355W106 892 9,332 SH   SOLE 0 9,332 0 0
RITE AID CORP COM Stock 767754104 3 1,300 SH   SOLE 0 1,300 0 0
TEKLA LIFE SCIENCES INVS SH BEN INT CEF 87911K100 46 2,123 SH   SOLE 0 2,123 0 0
HASBRO INC COM Stock 418056107 30 304 SH   SOLE 0 304 0 0
SCHWAB U.S. REIT ETF ETF 808524847 16 395 SH   SOLE 0 395 0 0
KB HOME COM Stock 48666K109 113 4,700 SH   SOLE 0 4,700 0 0
NATIONAL OILWELL VARCO INC COM Stock 637071101 3 70 SH   SOLE 0 70 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 1,217 22,230 SH   SOLE 0 22,230 0 0
PPL CORP COM Stock 69351T106 15 400 SH   SOLE 0 400 0 0
IPATH BLOOMBERG COMMODITY INDEX TOTAL RETURN ETN ETF 06738C778 451 19,369 SH   SOLE 0 19,369 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 5 37 SH   SOLE 0 37 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 68 788 SH   SOLE 0 788 0 0
SPDR S&P AEROSPACE & DEFENSE ETF ETF 78464A631 11 136 SH   SOLE 0 136 0 0
SYSCO CORP COM Stock 871829107 26 477 SH   SOLE 0 477 0 0
FUELCELL ENERGY INC COM NEW Stock 35952H502 0 250 SH   SOLE 0 250 0 0
ISHARES U.S. AEROSPACE & DEFENSE ETF ETF 464288760 6 35 SH   SOLE 0 35 0 0
SPIRIT AIRLS INC COM Stock 848577102 7 200 SH   SOLE 0 200 0 0
BROOKDALE SR LIVING INC COM Stock 112463104 1 95 SH   SOLE 0 95 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 206 2,203 SH   SOLE 0 2,203 0 0
AMERICAN ELEC PWR INC COM Stock 025537101 7 100 SH   SOLE 0 100 0 0
EVERSOURCE ENERGY COM Stock 30040W108 6 100 SH   SOLE 0 100 0 0
DUNKIN BRANDS GROUP INC COM Stock 265504100 2 38 SH   SOLE 0 38 0 0
NBT BANCORP INC COM Stock 628778102 84 2,287 SH   SOLE 0 2,286 0 0
REGENERON PHARMACEUTICALS COM Stock 75886F107 31 70 SH   SOLE 0 70 0 0
FIRST SOLAR INC COM Stock 336433107 1 25 SH   SOLE 0 25 0 0
ENERGY TRANSFER EQUITY L P COM UT LTD PTN Stock 29273V100 139 8,000 SH   SOLE 0 8,000 0 0
FORTUNE BRANDS HOME & SEC INC COM Stock 34964C106 27 400 SH   SOLE 0 400 0 0
CTRIP COM INTL LTD AMERICAN DEP SHS ADR 22943F100 84 1,600 SH   SOLE 0 1,600 0 0
DELPHI AUTOMOTIVE PLC SHS Stock G27823106 29 297 SH   SOLE 0 297 0 0
VISA INC COM CL A Stock 92826C839 32 300 SH   SOLE 0 300 0 0
GUGGENHEIM SOLAR ETF ETF 18383Q739 8 365 SH   SOLE 0 365 0 0
UNITED STATES OIL FUND, LP ETF 91232N108 35 3,334 SH   SOLE 0 3,334 0 0
VIPSHOP HLDGS LTD SPONSORED ADR ADR 92763W103 4 500 SH   SOLE 0 500 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 5 201 SH   SOLE 0 201 0 0
ENERPLUS CORP COM Stock 292766102 1 100 SH   SOLE 0 100 0 0
HARRIS CORP DEL COM Stock 413875105 13 100 SH   SOLE 0 100 0 0
AMERICAN TOWER CORP NEW COM REIT 03027X100 49 362 SH   SOLE 0 362 0 0
FACEBOOK INC CL A Stock 30303M102 753 4,406 SH   SOLE 0 4,406 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 155 1,848 SH   SOLE 0 1,848 0 0
INGREDION INC COM Stock 457187102 24 201 SH   SOLE 0 201 0 0
AMERICAN AIRLS GROUP INC COM Stock 02376R102 81 1,700 SH   SOLE 0 1,700 0 0
FIRST TRUST NORTH AMERICAN ENERGY INFRASTRUCTURE FUND ETF 33738D101 2 75 SH   SOLE 0 75 0 0
CELGENE CORP COM Stock 151020104 349 2,396 SH   SOLE 0 2,396 0 0
PVH CORP COM Stock 693656100 29 228 SH   SOLE 0 228 0 0
W P CAREY INC COM REIT 92936U109 135 2,000 SH   SOLE 0 2,000 0 0
BROADCOM LTD SHS Stock Y09827109 113 466 SH   SOLE 0 466 0 0
MONDELEZ INTL INC CL A Stock 609207105 18 434 SH   SOLE 0 434 0 0
BERRY GLOBAL GROUP INC COM Stock 08579W103 20 361 SH   SOLE 0 361 0 0
CAPITAL PRODUCT PARTNERS L P COM UNIT LP Stock Y11082107 14 4,000 SH   SOLE 0 4,000 0 0
D R HORTON INC COM Stock 23331A109 33 814 SH   SOLE 0 814 0 0
JOHNSON CTLS INTL PLC SHS Stock G51502105 50 1,232 SH   SOLE 0 1,232 0 0
CANADIAN PAC RY LTD COM Stock 13645T100 17 100 SH   SOLE 0 100 0 0
NEW YORK CMNTY BANCORP INC COM Stock 649445103 94 7,300 SH   SOLE 0 7,300 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 16 259 SH   SOLE 0 259 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 18 274 SH   SOLE 0 274 0 0
PENNANTPARK FLOATING RATE CAP COM CEF 70806A106 403 27,800 SH   SOLE 0 27,800 0 0
QUANTSHARES U.S. MARKET NEUTRAL ANTI-BETA FUND ETF 351680707 7 355 SH   SOLE 0 355 0 0
APOLLO COML REAL EST FIN INC COM REIT 03762U105 91 5,000 SH   SOLE 0 5,000 0 0
KROGER CO COM Stock 501044101 4 200 SH   SOLE 0 200 0 0
ISHARES U.S. MEDICAL DEVICES ETF ETF 464288810 9 52 SH   SOLE 0 52 0 0
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 343 11,151 SH   SOLE 0 11,151 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF ETF 464288646 468 4,440 SH   SOLE 0 4,440 0 0
OWENS CORNING NEW COM Stock 690742101 32 414 SH   SOLE 0 414 0 0
ABBVIE INC COM Stock 00287Y109 179 2,017 SH   SOLE 0 2,017 0 0
NATIONAL GRID PLC SPONSORED ADR NE ADR 636274409 289 4,614 SH   SOLE 0 4,614 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 697 20,372 SH   SOLE 0 20,371 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 53 990 SH   SOLE 0 990 0 0
MANULIFE FINL CORP COM Stock 56501R106 1 40 SH   SOLE 0 40 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 649 7,923 SH   SOLE 0 7,923 0 0
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 489 9,280 SH   SOLE 0 9,280 0 0
CYRUSONE INC COM REIT 23283R100 23 386 SH   SOLE 0 386 0 0
INVENTURE FOODS INC COM Stock 461212102 3 600 SH   SOLE 0 600 0 0
HARSCO CORP COM Stock 415864107 40 1,932 SH   SOLE 0 1,932 0 0
ALLIANZGI CONV & INCOME FD COM CEF 018828103 0 8 SH   SOLE 0 8 0 0
PIMCO DYNMIC CREDIT AND MRT IN COM SHS CEF 72202D106 189 8,200 SH   SOLE 0 8,200 0 0
ZOETIS INC CL A Stock 98978V103 20 310 SH   SOLE 0 310 0 0
TRUSTCO BK CORP N Y COM Stock 898349105 24 2,658 SH   SOLE 0 2,658 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR ADR 874039100 22 595 SH   SOLE 0 595 0 0
COLUMBIA PPTY TR INC COM NEW REIT 198287203 65 3,007 SH   SOLE 0 3,007 0 0
CHURCH & DWIGHT INC COM Stock 171340102 5 100 SH   SOLE 0 100 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109 2 12 SH   SOLE 0 12 0 0
STRYKER CORP COM Stock 863667101 29 205 SH   SOLE 0 205 0 0
RAYTHEON CO COM NEW Stock 755111507 19 103 SH   SOLE 0 103 0 0
T MOBILE US INC COM Stock 872590104 16 260 SH   SOLE 0 260 0 0
SPDR BLACKSTONE/ GSO SENIOR LOAN ETF ETF 78467V608 6 122 SH   SOLE 0 122 0 0
FASTENAL CO COM Stock 311900104 6 136 SH   SOLE 0 136 0 0
MCDONALDS CORP COM Stock 580135101 29 183 SH   SOLE 0 183 0 0
NEW RESIDENTIAL INVT CORP COM NEW REIT 64828T201 517 30,900 SH   SOLE 0 30,900 0 0
QUEST DIAGNOSTICS INC COM Stock 74834L100 31 334 SH   SOLE 0 334 0 0
FIRST TR INTER DUR PFD & IN FD COM CEF 33718W103 242 9,800 SH   SOLE 0 9,800 0 0
CISCO SYS INC COM Stock 17275R102 22 650 SH   SOLE 0 650 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 10,510 192,526 SH   SOLE 0 192,526 0 0
ALPS MEDICAL BREAKTHROUGHS ETF ETF 00162Q593 2 71 SH   SOLE 0 71 0 0
FIRST TRUST SENIOR LOAN FUND ETF 33738D309 2 48 SH   SOLE 0 48 0 0
CDW CORP COM Stock 12514G108 29 440 SH   SOLE 0 440 0 0
WISDOMTREE INTERNATIONAL EQUITY FUND ETF 97717W703 120 2,200 SH   SOLE 0 2,200 0 0
VANECK VECTORS URANIUM NUCLEAR ENERGY ETF ETF 92189F601 18 350 SH   SOLE 0 350 0 0
AT&T INC COM Stock 00206R102 882 22,513 SH   SOLE 0 22,513 0 0
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 46 709 SH   SOLE 0 709 0 0
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF 464287556 93 278 SH   SOLE 0 278 0 0
GENERAL ELECTRIC CO COM Stock 369604103 2,303 95,224 SH   SOLE 0 95,224 0 0
KRANESHARES CSI CHINA INTERNET ETF ETF 500767306 4 75 SH   SOLE 0 75 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 58 651 SH   SOLE 0 651 0 0
TIME WARNER INC COM NEW Stock 887317303 46 450 SH   SOLE 0 450 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 52 575 SH   SOLE 0 575 0 0
ISHARES U.S. FINANCIAL SERVICES ETF ETF 464287770 86 721 SH   SOLE 0 721 0 0
FLEXSHARES MORNINGSTAR EMERGING MARKETS FACTOR TILT INDEX FUND ETF 33939L308 171 3,042 SH   SOLE 0 3,042 0 0
ISHARES SHORT MATURITY BOND ETF ETF 46431W507 1 13 SH   SOLE 0 13 0 0
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600 2 54 SH   SOLE 0 54 0 0
POWERSHARES GLOBAL WATER PORTFOLIO ETF 73936T623 12 500 SH   SOLE 0 500 0 0
TWITTER INC COM Stock 90184L102 51 3,000 SH   SOLE 0 3,000 0 0
WISDOMTREE INTERNATIONAL LARGECAP DIVIDEND FUND ETF 97717W794 60 1,204 SH   SOLE 0 1,204 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 145 575 SH   SOLE 0 575 0 0
ONEOK INC NEW COM Stock 682680103 29 526 SH   SOLE 0 526 0 0
WELLS FARGO CO NEW COM Stock 949746101 228 4,139 SH   SOLE 0 4,139 0 0
VMWARE INC CL A COM Stock 928563402 29 270 SH   SOLE 0 270 0 0
UNION PAC CORP COM Stock 907818108 12 100 SH   SOLE 0 100 0 0
TRANSOCEAN LTD REG SHS Stock H8817H100 3 300 SH   SOLE 0 300 0 0
ISHARES MBS ETF ETF 464288588 69 644 SH   SOLE 0 644 0 0
ISHARES U.S. PREFERRED STOCK ETF ETF 464288687 101 2,606 SH   SOLE 0 2,606 0 0
JUNIPER NETWORKS INC COM Stock 48203R104 28 999 SH   SOLE 0 999 0 0
MICROCHIP TECHNOLOGY INC COM Stock 595017104 3 28 SH   SOLE 0 28 0 0
MCCORMICK & CO INC COM NON VTG Stock 579780206 10 100 SH   SOLE 0 100 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 6 30 SH   SOLE 0 30 0 0
PROSPECT CAPITAL CORPORATION COM CEF 74348T102 47 7,000 SH   SOLE 0 7,000 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 939 9,834 SH   SOLE 0 9,833 0 0
INTL PAPER CO COM Stock 460146103 15 265 SH   SOLE 0 265 0 0
HARTFORD FINL SVCS GROUP INC COM Stock 416515104 0 8 SH   SOLE 0 8 0 0
ISHARES INTERMEDIATE CREDIT BOND ETF ETF 464288638 51 464 SH   SOLE 0 464 0 0
CHEVRON CORP NEW COM Stock 166764100 218 1,856 SH   SOLE 0 1,856 0 0
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CONOCOPHILLIPS COM Stock 20825C104 3 50 SH   SOLE 0 50 0 0
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EXPRESS SCRIPTS HLDG CO COM Stock 30219G108 3 40 SH   SOLE 0 40 0 0
TJX COS INC NEW COM Stock 872540109 7 100 SH   SOLE 0 100 0 0
BANK AMER CORP COM Stock 060505104 517 20,410 SH   SOLE 0 20,410 0 0
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INTERNATIONAL BUSINESS MACHS COM Stock 459200101 597 4,113 SH   SOLE 0 4,113 0 0
ORACLE CORP COM Stock 68389X105 63 1,300 SH   SOLE 0 1,300 0 0
UNITED TECHNOLOGIES CORP COM Stock 913017109 232 2,000 SH   SOLE 0 2,000 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 6,252 143,485 SH   SOLE 0 143,484 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF 921946406 295 3,642 SH   SOLE 0 3,642 0 0
SPDR BLOOMBERG BARCLAYS INTERNATIONAL TREASURY BOND ETF ETF 78464A516 13 454 SH   SOLE 0 454 0 0
PFIZER INC COM Stock 717081103 371 10,402 SH   SOLE 0 10,402 0 0
MORGAN STANLEY COM NEW Stock 617446448 36 739 SH   SOLE 0 739 0 0
3M CO COM Stock 88579Y101 42 200 SH   SOLE 0 200 0 0
SPDR S&P INTERNATIONAL SMALL CAP ETF ETF 78463X871 18 500 SH   SOLE 0 500 0 0
HP INC COM Stock 40434L105 6 297 SH   SOLE 0 297 0 0
GILEAD SCIENCES INC COM Stock 375558103 97 1,200 SH   SOLE 0 1,200 0 0
CATERPILLAR INC DEL COM Stock 149123101 83 663 SH   SOLE 0 663 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 206 215 SH   SOLE 0 215 0 0
BEST BUY INC COM Stock 086516101 29 517 SH   SOLE 0 517 0 0
AMGEN INC COM Stock 031162100 65 349 SH   SOLE 0 349 0 0
APPLIED MATLS INC COM Stock 038222105 31 599 SH   SOLE 0 599 0 0
ANALOG DEVICES INC COM Stock 032654105 9 100 SH   SOLE 0 100 0 0
INTERNATIONAL GAME TECHNOLOGY SHS USD Stock G4863A108 0 2 SH   SOLE 0 2 0 0
UNITED FINL BANCORP INC NEW COM Stock 910304104 3 151 SH   SOLE 0 151 0 0
GUGGENHEIM S&P MIDCAP 400 PURE VALUE ETF ETF 78355W502 23 350 SH   SOLE 0 350 0 0
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BLACKROCK ENHANCED INTL DIV TR COM BENE INTER CEF 092524107 13 2,000 SH   SOLE 0 2,000 0 0
DELCATH SYS INC COM PAR Stock 24661P500 0 7 SH   SOLE 0 7 0 0
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MAIN STREET CAPITAL CORP COM CEF 56035L104 837 21,050 SH   SOLE 0 21,050 0 0
RAYONIER ADVANCED MATLS INC COM Stock 75508B104 0 1 SH   SOLE 0 1 0 0
CHIMERA INVT CORP COM NEW REIT 16934Q208 301 15,900 SH   SOLE 0 15,900 0 0
STATOIL ASA SPONSORED ADR ADR 85771P102 10 500 SH   SOLE 0 500 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 105 1,104 SH   SOLE 0 1,104 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 290 4,677 SH   SOLE 0 4,677 0 0
VERITIV CORP COM Stock 923454102 0 5 SH   SOLE 0 5 0 0
SCANA CORP NEW COM Stock 80589M102 34 710 SH   SOLE 0 710 0 0
NUVEEN PFD & INCM OPPORTNYS FD COM CEF 67073B106 0 5 SH   SOLE 0 5 0 0
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ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 21 193 SH   SOLE 0 193 0 0
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ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 18 120 SH   SOLE 0 120 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 674 3,900 SH   SOLE 0 3,900 0 0
CITIZENS FINL GROUP INC COM Stock 174610105 32 852 SH   SOLE 0 852 0 0
INFRACAP ACTIVE MLP ETF ETF 26923G103 45 4,800 SH   SOLE 0 4,800 0 0
HALYARD HEALTH INC COM Stock 40650V100 0 9 SH   SOLE 0 9 0 0
PLUG POWER INC COM NEW Stock 72919P202 9 3,300 SH   SOLE 0 3,300 0 0
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COMMUNITY BK SYS INC COM Stock 203607106 2 37 SH   SOLE 0 37 0 0
AMEC FOSTER WHEELER PLC SPONSORED ADR ADR 00167X205 0 31 SH   SOLE 0 31 0 0
ISHARES U.S. CREDIT BOND ETF ETF 464288620 14 125 SH   SOLE 0 125 0 0
LAM RESEARCH CORP COM Stock 512807108 30 160 SH   SOLE 0 160 0 0
FIRST TRUST WATER ETF ETF 33733B100 2 50 SH   SOLE 0 50 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 293 2,641 SH   SOLE 0 2,641 0 0
PARKER HANNIFIN CORP COM Stock 701094104 31 176 SH   SOLE 0 176 0 0
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GUGGENHEIM S&P 500 EQUAL WEIGHT TECHNOLOGY ETF ETF 78355W817 78 575 SH   SOLE 0 575 0 0
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 8 74 SH   SOLE 0 74 0 0
VANGUARD MEGA CAP ETF ETF 921910873 20 237 SH   SOLE 0 237 0 0
SUBURBAN PROPANE PARTNERS L P UNIT LTD PARTN Stock 864482104 38 1,441 SH   SOLE 0 1,440 0 0
URBAN EDGE PPTYS COM REIT 91704F104 19 777 SH   SOLE 0 777 0 0
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF ETF 78464A417 6 159 SH   SOLE 0 159 0 0
BRISTOL MYERS SQUIBB CO COM Stock 110122108 134 2,100 SH   SOLE 0 2,100 0 0
ALTRIA GROUP INC COM Stock 02209S103 9 139 SH   SOLE 0 139 0 0
CITIGROUP INC COM NEW Stock 172967424 49 670 SH   SOLE 0 670 0 0
FIDELITY MSCI REAL ESTATE INDEX ETF ETF 316092857 8 314 SH   SOLE 0 314 0 0
3-D SYS CORP DEL COM NEW Stock 88554D205 8 605 SH   SOLE 0 605 0 0
EXXON MOBIL CORP COM Stock 30231G102 814 9,924 SH   SOLE 0 9,924 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 80 409 SH   SOLE 0 409 0 0
VANGUARD MEGA CAP VALUE ETF ETF 921910840 2 32 SH   SOLE 0 32 0 0
DR PEPPER SNAPPLE GROUP INC COM Stock 26138E109 25 285 SH   SOLE 0 285 0 0
VANECK VECTORS AMT-FREE INTERMEDIATE MUNICIPAL INDEX ETF ETF 92189F544 44 1,822 SH   SOLE 0 1,822 0 0
LINCOLN NATL CORP IND COM Stock 534187109 21 291 SH   SOLE 0 291 0 0
ROYAL DUTCH SHELL PLC SPON ADR B ADR 780259107 475 7,600 SH   SOLE 0 7,600 0 0
DEERE & CO COM Stock 244199105 171 1,360 SH   SOLE 0 1,360 0 0
PHH CORP COM NEW Stock 693320202 1 40 SH   SOLE 0 40 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR ADR 92857W308 53 1,860 SH   SOLE 0 1,860 0 0
AVIS BUDGET GROUP COM Stock 053774105 3 81 SH   SOLE 0 81 0 0
RAYONIER INC COM REIT 754907103 0 3 SH   SOLE 0 3 0 0
CHEMOURS CO COM Stock 163851108 3 52 SH   SOLE 0 52 0 0
BWX TECHNOLOGIES INC COM Stock 05605H100 4 76 SH   SOLE 0 76 0 0
BABCOCK & WILCOX ENTERPRIS INC COM Stock 05614L100 0 38 SH   SOLE 0 38 0 0
KRAFT HEINZ CO COM Stock 500754106 2 23 SH   SOLE 0 23 0 0
SCHWAB CHARLES CORP NEW COM Stock 808513105 15 350 SH   SOLE 0 350 0 0
BAIDU INC SPON ADR REP A ADR 056752108 149 600 SH   SOLE 0 600 0 0
CROWN CASTLE INTL CORP NEW COM REIT 22822V101 17 170 SH   SOLE 0 170 0 0
ISHARES CHINA LARGE-CAP ETF ETF 464287184 91 2,065 SH   SOLE 0 2,065 0 0
BLACKROCK INC COM Stock 09247X101 3 6 SH   SOLE 0 6 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 7 37 SH   SOLE 0 37 0 0
FRONTIER COMMUNICATIONS CORP COM NEW Stock 35906A306 0 16 SH   SOLE 0 16 0 0
APPLE INC COM Stock 037833100 642 4,163 SH   SOLE 0 4,163 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR ADR 37733W105 280 6,900 SH   SOLE 0 6,900 0 0
ABBOTT LABS COM Stock 002824100 45 850 SH   SOLE 0 850 0 0
DISNEY WALT CO COM DISNEY Stock 254687106 33 336 SH   SOLE 0 336 0 0
UNIVERSAL HLTH SVCS INC CL B Stock 913903100 58 524 SH   SOLE 0 524 0 0
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ISHARES RUSSELL 1000 ETF ETF 464287622 9 66 SH   SOLE 0 66 0 0
ANAVEX LIFE SCIENCES CORP COM NEW Stock 032797300 68 16,330 SH   SOLE 0 16,330 0 0