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 940 971 SH   SOLE 0 0 0 971
PRUDENTIAL FINL INC COM Stock 744320102 103 950 SH   SOLE 0 0 0 950
POWERSHARES QQQ TRUST, SERIES 1 ETF 73935A104 55 400 SH   SOLE 0 0 0 400
MONSANTO CO NEW COM Stock 61166W101 186 1,575 SH   SOLE 0 0 0 1,575
ARROW FINL CORP COM Stock 042744102 22 687 SH   SOLE 0 0 0 687
BUCKEYE PARTNERS L P UNIT LTD PARTN Stock 118230101 109 1,700 SH   SOLE 0 0 0 1,700
WASTE MGMT INC DEL COM Stock 94106L109 266 3,624 SH   SOLE 0 0 0 3,624
ABB LTD SPONSORED ADR ADR 000375204 1,037 41,650 SH   SOLE 0 0 0 41,650
PRAXAIR INC COM Stock 74005P104 120 905 SH   SOLE 0 0 0 905
ROYAL DUTCH SHELL PLC SPONS ADR A ADR 780259206 169 3,184 SH   SOLE 0 0 0 3,184
YUM BRANDS INC COM Stock 988498101 30 405 SH   SOLE 0 0 0 405
PROCTER AND GAMBLE CO COM Stock 742718109 1,020 11,702 SH   SOLE 0 0 0 11,702
S&P GLOBAL INC COM Stock 78409V104 5,584 38,252 SH   SOLE 0 0 0 38,252
OCCIDENTAL PETE CORP DEL COM Stock 674599105 142 2,369 SH   SOLE 0 0 0 2,369
VANGUARD REIT ETF ETF 922908553 976 11,721 SH   SOLE 0 0 0 11,721
BIOGEN INC COM Stock 09062X103 4 15 SH   SOLE 0 0 0 15
PAYCHEX INC COM Stock 704326107 5 96 SH   SOLE 0 0 0 96
MERCK & CO INC COM Stock 58933Y105 1,076 16,794 SH   SOLE 0 0 0 16,794
SPDR S&P 500 ETF ETF 78462F103 439 1,815 SH   SOLE 0 0 0 1,815
MASTERCARD INCORPORATED CL A Stock 57636Q104 179 1,476 SH   SOLE 0 0 0 1,476
ALCOA CORP COM Stock 013872106 7 222 SH   SOLE 0 0 0 222
BANK NEW YORK MELLON CORP COM Stock 064058100 221 4,326 SH   SOLE 0 0 0 4,326
ONEOK PARTNERS LP UNIT LTD PARTN Stock 68268N103 102 2,000 SH   SOLE 0 0 0 2,000
VERIZON COMMUNICATIONS INC COM Stock 92343V104 911 20,400 SH   SOLE 0 0 0 20,400
PEPSICO INC COM Stock 713448108 1,898 16,437 SH   SOLE 0 0 0 16,437
NEWELL BRANDS INC COM Stock 651229106 1,251 23,340 SH   SOLE 0 0 0 23,340
MOLSON COORS BREWING CO CL B Stock 60871R209 442 5,115 SH   SOLE 0 0 0 5,115
OMEGA HEALTHCARE INVS INC COM REIT 681936100 26 800 SH   SOLE 0 0 0 800
SPDR BLOOMBERG BARCLAYS CONVERTIBLE SECURITIES ETF ETF 78464A359 4,029 81,200 SH   SOLE 0 0 0 81,200
BAXTER INTL INC COM Stock 071813109 52 862 SH   SOLE 0 0 0 862
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 1,744 17,026 SH   SOLE 0 0 0 17,026
SPDR GOLD SHARES ETF 78463V107 3,824 32,400 SH   SOLE 0 0 0 32,400
WASTE CONNECTIONS INC COM Stock 94106B101 136 2,107 SH   SOLE 0 0 0 2,107
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2,586 15,270 SH   SOLE 0 0 0 15,270
ADOBE SYS INC COM Stock 00724F101 913 6,455 SH   SOLE 0 0 0 6,455
WEYERHAEUSER CO COM REIT 962166104 587 17,520 SH   SOLE 0 0 0 17,520
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 981 12,256 SH   SOLE 0 0 0 12,256
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 988 11,292 SH   SOLE 0 0 0 11,292
ALPHABET INC CAP STK CL A Stock 02079K305 813 875 SH   SOLE 0 0 0 875
PANERA BREAD CO CL A Stock 69840W108 88 280 SH   SOLE 0 0 0 280
MICROSOFT CORP COM Stock 594918104 2,270 32,939 SH   SOLE 0 0 0 32,939
SCHLUMBERGER LTD COM Stock 806857108 877 13,326 SH   SOLE 0 0 0 13,326
CVS HEALTH CORP COM Stock 126650100 105 1,300 SH   SOLE 0 0 0 1,300
RPM INTL INC COM Stock 749685103 753 13,805 SH   SOLE 0 0 0 13,805
VARIAN MED SYS INC COM Stock 92220P105 41 400 SH   SOLE 0 0 0 400
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 176 1,300 SH   SOLE 0 0 0 1,300
NEXTERA ENERGY INC COM Stock 65339F101 70 500 SH   SOLE 0 0 0 500
NIKE INC CL B Stock 654106103 180 3,048 SH   SOLE 0 0 0 3,048
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 147 1,000 SH   SOLE 0 0 0 1,000
NORFOLK SOUTHERN CORP COM Stock 655844108 781 6,421 SH   SOLE 0 0 0 6,421
ALERIAN MLP ETF ETF 00162Q866 1,302 108,870 SH   SOLE 0 0 0 108,870
BLACKROCK TAX MUNICPAL BD TR SHS CEF 09248X100 30 1,300 SH   SOLE 0 0 0 1,300
VANGUARD FTSE EUROPE ETF ETF 922042874 4,891 88,703 SH   SOLE 0 0 0 88,703
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 27 350 SH   SOLE 0 0 0 350
VANGUARD S&P 500 ETF ETF 922908363 7,926 35,691 SH   SOLE 0 0 0 35,691
ASTRAZENECA PLC SPONSORED ADR ADR 046353108 55 1,610 SH   SOLE 0 0 0 1,610
ARROW ELECTRS INC COM Stock 042735100 197 2,508 SH   SOLE 0 0 0 2,508
NUVEEN BUILD AMER BD OPPTNY FD COM CEF 67074Q102 28 1,300 SH   SOLE 0 0 0 1,300
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 76 1,225 SH   SOLE 0 0 0 1,225
PLAINS ALL AMERN PIPELINE L P UNIT LTD PARTN Stock 726503105 53 2,000 SH   SOLE 0 0 0 2,000
PRICELINE GRP INC COM NEW Stock 741503403 28 15 SH   SOLE 0 0 0 15
WABTEC CORP COM Stock 929740108 146 1,600 SH   SOLE 0 0 0 1,600
IPATH BLOOMBERG COMMODITY INDEX TOTAL RETURN ETN ETF 06738C778 623 27,478 SH   SOLE 0 0 0 27,478
ANADARKO PETE CORP COM Stock 032511107 113 2,500 SH   SOLE 0 0 0 2,500
P & F INDS INC CL A NEW Stock 692830508 18 3,000 SH   SOLE 0 0 0 3,000
AFLAC INC COM Stock 001055102 16 210 SH   SOLE 0 0 0 210
ALEXION PHARMACEUTICALS INC COM Stock 015351109 82 670 SH   SOLE 0 0 0 670
REGENERON PHARMACEUTICALS COM Stock 75886F107 130 265 SH   SOLE 0 0 0 265
VISA INC COM CL A Stock 92826C839 1,014 10,815 SH   SOLE 0 0 0 10,815
PHILLIPS 66 COM Stock 718546104 83 1,007 SH   SOLE 0 0 0 1,007
AMERICAN TOWER CORP NEW COM REIT 03027X100 83 625 SH   SOLE 0 0 0 625
ZEBRA TECHNOLOGIES CORP CL A Stock 989207105 136 1,350 SH   SOLE 0 0 0 1,350
ASML HOLDING N V N Y REGISTRY SHS ADR N07059210 29 225 SH   SOLE 0 0 0 225
PACKAGING CORP AMER COM Stock 695156109 741 6,650 SH   SOLE 0 0 0 6,650
CELGENE CORP COM Stock 151020104 13 100 SH   SOLE 0 0 0 100
PVH CORP COM Stock 693656100 40 350 SH   SOLE 0 0 0 350
MONDELEZ INTL INC CL A Stock 609207105 35 801 SH   SOLE 0 0 0 801
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 875 17,765 SH   SOLE 0 0 0 17,765
CANADIAN PAC RY LTD COM Stock 13645T100 161 1,000 SH   SOLE 0 0 0 1,000
MOODYS CORP COM Stock 615369105 61 500 SH   SOLE 0 0 0 500
MEREDITH CORP COM Stock 589433101 21 350 SH   SOLE 0 0 0 350
NOVARTIS A G SPONSORED ADR ADR 66987V109 309 3,700 SH   SOLE 0 0 0 3,700
NORTHERN TR CORP COM Stock 665859104 388 3,995 SH   SOLE 0 0 0 3,995
AES CORP COM Stock 00130H105 15 1,315 SH   SOLE 0 0 0 1,315
WESTERN DIGITAL CORP COM Stock 958102105 53 600 SH   SOLE 0 0 0 600
MOSAIC CO NEW COM Stock 61945C103 82 3,600 SH   SOLE 0 0 0 3,600
ABBVIE INC COM Stock 00287Y109 1,608 22,180 SH   SOLE 0 0 0 22,180
SPDR S&P BIOTECH ETF ETF 78464A870 377 4,885 SH   SOLE 0 0 0 4,885
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,214 24,265 SH   SOLE 0 0 0 24,265
NATIONAL FUEL GAS CO N J COM Stock 636180101 111 1,980 SH   SOLE 0 0 0 1,980
NORTHWEST NAT GAS CO COM Stock 667655104 81 1,359 SH   SOLE 0 0 0 1,359
OWENS & MINOR INC NEW COM Stock 690732102 19 600 SH   SOLE 0 0 0 600
ZOETIS INC CL A Stock 98978V103 934 14,970 SH   SOLE 0 0 0 14,970
ZIMMER BIOMET HLDGS INC COM Stock 98956P102 128 1,000 SH   SOLE 0 0 0 1,000
VERISIGN INC COM Stock 92343E102 10 110 SH   SOLE 0 0 0 110
RAYTHEON CO COM NEW Stock 755111507 1,039 6,433 SH   SOLE 0 0 0 6,433
QUALCOMM INC COM Stock 747525103 1,208 21,878 SH   SOLE 0 0 0 21,878
MCDONALDS CORP COM Stock 580135101 46 300 SH   SOLE 0 0 0 300
CISCO SYS INC COM Stock 17275R102 1,937 61,892 SH   SOLE 0 0 0 61,892
APACHE CORP COM Stock 037411105 103 2,150 SH   SOLE 0 0 0 2,150
AETNA INC NEW COM Stock 00817Y108 41 270 SH   SOLE 0 0 0 270
AT&T INC COM Stock 00206R102 1,360 36,045 SH   SOLE 0 0 0 36,045
XILINX INC COM Stock 983919101 33 520 SH   SOLE 0 0 0 520
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 6 100 SH   SOLE 0 0 0 100
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF ETF 921946885 1,358 16,956 SH   SOLE 0 0 0 16,956
WISDOMTREE JAPAN SMALLCAP DIVIDEND FUND ETF 97717W836 28 400 SH   SOLE 0 0 0 400
WELLS FARGO CO NEW COM Stock 949746101 422 7,622 SH   SOLE 0 0 0 7,622
VMWARE INC CL A COM Stock 928563402 35 400 SH   SOLE 0 0 0 400
RIO TINTO PLC SPONSORED ADR ADR 767204100 21 500 SH   SOLE 0 0 0 500
CINTAS CORP COM Stock 172908105 139 1,100 SH   SOLE 0 0 0 1,100
SALESFORCE COM INC COM Stock 79466L302 17 200 SH   SOLE 0 0 0 200
NORTHROP GRUMMAN CORP COM Stock 666807102 41 158 SH   SOLE 0 0 0 158
SPDR EURO STOXX 50 ETF ETF 78463X202 223 5,800 SH   SOLE 0 0 0 5,800
CHEVRON CORP NEW COM Stock 166764100 975 9,350 SH   SOLE 0 0 0 9,349
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 2,495 60,383 SH   SOLE 0 0 0 60,383
SPDR S&P BANK ETF ETF 78464A797 2,014 46,268 SH   SOLE 0 0 0 46,268
SPDR S&P DIVIDEND ETF ETF 78464A763 1,444 16,240 SH   SOLE 0 0 0 16,240
WAL-MART STORES INC COM Stock 931142103 189 2,500 SH   SOLE 0 0 0 2,500
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 549 3,569 SH   SOLE 0 0 0 3,569
ORACLE CORP COM Stock 68389X105 206 4,118 SH   SOLE 0 0 0 4,118
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 56,276 1,378,300 SH Call SOLE 0 0 0 1,378,300
PFIZER INC COM Stock 717081103 606 18,053 SH   SOLE 0 0 0 18,053
MORGAN STANLEY COM NEW Stock 617446448 89 2,000 SH   SOLE 0 0 0 2,000
ALPHABET INC CAP STK CL C Stock 02079K107 582 641 SH   SOLE 0 0 0 641
AMGEN INC COM Stock 031162100 121 701 SH   SOLE 0 0 0 701
APPLIED MATLS INC COM Stock 038222105 41 1,000 SH   SOLE 0 0 0 1,000
ANALOG DEVICES INC COM Stock 032654105 60 770 SH   SOLE 0 0 0 770
AMERIGAS PARTNERS L P UNIT L P INT Stock 030975106 1,269 28,100 SH   SOLE 0 0 0 28,100
CANADIAN NATL RY CO COM Stock 136375102 46 565 SH   SOLE 0 0 0 565
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 148 1,597 SH   SOLE 0 0 0 1,597
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 184 1,305 SH   SOLE 0 0 0 1,305
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR ADR 03524A108 61 550 SH   SOLE 0 0 0 550
PHILIP MORRIS INTL INC COM Stock 718172109 403 3,431 SH   SOLE 0 0 0 3,431
NRG ENERGY INC COM NEW Stock 629377508 112 6,500 SH   SOLE 0 0 0 6,500
NUCOR CORP COM Stock 670346105 237 4,100 SH   SOLE 0 0 0 4,100
PNC FINL SVCS GROUP INC COM Stock 693475105 26 210 SH   SOLE 0 0 0 210
WESTERN GAS PARTNERS LP COM UNIT LP IN Stock 958254104 43 761 SH   SOLE 0 0 0 761
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772 109 2,785 SH   SOLE 0 0 0 2,785
REALTY INCOME CORP COM REIT 756109104 302 5,475 SH   SOLE 0 0 0 5,475
ALTRIA GROUP INC COM Stock 02209S103 145 1,952 SH   SOLE 0 0 0 1,952
AMERICAN WTR WKS CO INC NEW COM Stock 030420103 16 200 SH   SOLE 0 0 0 200
NOVO-NORDISK A S ADR ADR 670100205 86 2,000 SH   SOLE 0 0 0 2,000
PAYPAL HLDGS INC COM Stock 70450Y103 38 700 SH   SOLE 0 0 0 700
ACTIVISION BLIZZARD INC COM Stock 00507V109 13 225 SH   SOLE 0 0 0 225
SCRIPPS NETWORKS INTERACT INC CL A COM Stock 811065101 34 505 SH   SOLE 0 0 0 505
AUTOZONE INC COM Stock 053332102 114 200 SH   SOLE 0 0 0 200
BLACKROCK INC COM Stock 09247X101 158 375 SH   SOLE 0 0 0 375
APPLE INC COM Stock 037833100 4,488 31,159 SH   SOLE 0 0 0 31,159
ABBOTT LABS COM Stock 002824100 1,161 23,877 SH   SOLE 0 0 0 23,877