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 282 4,738 SH   SOLE   4,738 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 503 5,820 SH   SOLE   5,820 0 0
ALPHABET INC CAP STK CL C 02079K107 270 202 SH   SOLE   202 0 0
ALPHABET INC CAP STK CL A 02079K305 244 182 SH   SOLE   182 0 0
APPLE INC COM 037833100 7,613 25,924 SH   SOLE   25,924 0 0
CISCO SYS INC COM 17275R102 281 5,866 SH   SOLE   5,866 0 0
COSTCO WHSL CORP NEW COM 22160K105 206 700 SH   SOLE   700 0 0
DISNEY WALT CO COM DISNEY 254687106 246 1,698 SH   SOLE   1,698 0 0
FACEBOOK INC CL A 30303M102 203 987 SH   SOLE   987 0 0
INTEL CORP COM 458140100 246 4,107 SH   SOLE   4,107 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 1,854 31,787 SH   SOLE   31,787 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,969 73,821 SH   SOLE   73,821 0 0
ISHARES TR CORE S&P TTL STK 464287150 354 4,867 SH   SOLE   4,867 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,634 26,629 SH   SOLE   26,629 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,664 32,197 SH   SOLE   32,197 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,787 10,466 SH   SOLE   10,466 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 3,413 52,027 SH   SOLE   52,027 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 5,473 43,592 SH   SOLE   43,592 0 0
ISHARES TR CORE TOTAL USD 46434V613 4,118 79,020 SH   SOLE   79,020 0 0
JOHNSON & JOHNSON COM 478160104 722 4,949 SH   SOLE   4,949 0 0
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 481 8,430 SH   SOLE   8,430 0 0
MICROSOFT CORP COM 594918104 477 3,025 SH   SOLE   3,025 0 0
NBT BANCORP INC COM 628778102 347 8,559 SH   SOLE   8,559 0 0
NIKE INC CL B 654106103 220 2,176 SH   SOLE   2,176 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,798 88,420 SH   SOLE   88,420 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,855 106,068 SH   SOLE   106,068 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,986 149,461 SH   SOLE   149,461 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 268 9,805 SH   SOLE   9,805 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,665 55,809 SH   SOLE   55,809 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 9,664 290,634 SH   SOLE   290,634 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 19,244 665,423 SH   SOLE   665,423 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,454 110,692 SH   SOLE   110,692 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 4,012 94,009 SH   SOLE   94,009 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 12,714 301,703 SH   SOLE   301,703 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,467 25,335 SH   SOLE   25,335 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 18,146 339,616 SH   SOLE   339,616 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 258 7,455 SH   SOLE   7,455 0 0
SONY CORP SPONSORED ADR 835699307 340 5,000 SH   SOLE   5,000 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,739 126,073 SH   SOLE   126,073 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,563 113,657 SH   SOLE   113,657 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 377 1,170 SH   SOLE   1,170 0 0
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 458 13,422 SH   SOLE   13,422 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 3,771 130,889 SH   SOLE   130,889 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 959 17,499 SH   SOLE   17,499 0 0
STARBUCKS CORP COM 855244109 234 2,658 SH   SOLE   2,658 0 0
TESLA INC COM 88160R101 1,348 3,223 SH   SOLE   3,223 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,002 8,404 SH   SOLE   8,404 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,625 17,345 SH   SOLE   17,345 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,108 29,115 SH   SOLE   29,115 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 3,451 12,117,738 SH Put SOLE   12,117,738 0 0