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
ACTIVISION BLIZZARD INC COM 00507V109 224 4,738 SH   SOLE   4,738 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 513 6,404 SH   SOLE   6,404 0 0
APPLE INC COM 037833100 2,952 14,916 SH   SOLE   14,916 0 0
CISCO SYS INC COM 17275R102 239 4,370 SH   SOLE   4,370 0 0
DISNEY WALT CO COM DISNEY 254687106 221 1,581 SH   SOLE   1,581 0 0
FACEBOOK INC CL A 30303M102 249 1,290 SH   SOLE   1,290 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 1,098 19,962 SH   SOLE   19,962 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,294 102,918 SH   SOLE   102,918 0 0
ISHARES TR CORE S&P TTL STK 464287150 308 4,626 SH   SOLE   4,626 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,415 26,842 SH   SOLE   26,842 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,209 33,109 SH   SOLE   33,109 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,959 12,284 SH   SOLE   12,284 0 0
ISHARES TR MIN VOL USA ETF 46429B697 3,426 55,501 SH   SOLE   55,501 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 4,329 36,503 SH   SOLE   36,503 0 0
ISHARES TR CORE TOTAL USD 46434V613 3,227 62,448 SH   SOLE   62,448 0 0
JOHNSON & JOHNSON COM 478160104 746 5,356 SH   SOLE   5,356 0 0
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 739 13,290 SH   SOLE   13,290 0 0
MICROSOFT CORP COM 594918104 264 1,972 SH   SOLE   1,972 0 0
NBT BANCORP INC COM 628778102 321 8,559 SH   SOLE   8,559 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,948 84,334 SH   SOLE   84,334 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,909 131,098 SH   SOLE   131,098 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,775 156,312 SH   SOLE   156,312 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 705 12,346 SH   SOLE   12,346 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 378 14,396 SH   SOLE   14,396 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,642 57,125 SH   SOLE   57,125 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 9,087 291,070 SH   SOLE   291,070 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 18,000 646,075 SH   SOLE   646,075 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,418 143,757 SH   SOLE   143,757 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,870 98,942 SH   SOLE   98,942 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 11,925 308,340 SH   SOLE   308,340 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,342 25,288 SH   SOLE   25,288 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,532 255,313 SH   SOLE   255,313 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 250 7,645 SH   SOLE   7,645 0 0
SONY CORP SPONSORED ADR 835699307 262 5,000 SH   SOLE   5,000 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,488 69,504 SH   SOLE   69,504 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,781 127,793 SH   SOLE   127,793 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 371 1,266 SH   SOLE   1,266 0 0
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 348 10,170 SH   SOLE   10,170 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 3,423 118,344 SH   SOLE   118,344 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,387 27,009 SH   SOLE   27,009 0 0
STARBUCKS CORP COM 855244109 249 2,975 SH   SOLE   2,975 0 0
TESLA INC COM 88160R101 720 3,223 SH   SOLE   3,223 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 386 3,471 SH   SOLE   3,471 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,463 16,739 SH   SOLE   16,739 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,231 34,003 SH   SOLE   34,003 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 3,698 134,236 SH   SOLE   134,236 0 0