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
ABBOTT LABS COM Stock 002824100 7,300 92,514 SH   SOLE   0 0 92,514
ABBVIE INC COM Stock 00287Y109 235 3,086 SH   SOLE   0 0 3,086
ALERIAN MLP ETF ETF 00162Q866 49 14,395 SH   SOLE   0 0 14,395
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 324 1,669 SH   SOLE   0 0 1,669
ALLSTATE CORP COM Stock 020002101 5,554 60,557 SH   SOLE   0 0 60,557
ALPHABET INC CAP STK CL A Stock 02079K305 591 509 SH   SOLE   0 0 509
ALPHABET INC CAP STK CL C Stock 02079K107 476 410 SH   SOLE   0 0 410
AMAZON COM INC COM Stock 023135106 561 288 SH   SOLE   0 0 288
AMERICAN ELEC PWR CO INC COM Stock 025537101 2,342 29,288 SH   SOLE   0 0 29,288
APPLE INC COM Stock 037833100 8,914 35,054 SH   SOLE   0 0 35,054
ARES CAPITAL CORP COM CEF 04010L103 2,560 237,481 SH   SOLE   0 0 237,481
AT&T INC COM Stock 00206R102 4,417 151,558 SH   SOLE   0 0 151,558
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 314 2,301 SH   SOLE   0 0 2,301
BAIN CAP SPECIALTY FIN INC COM CEF 05684B107 144 15,548 SH   SOLE   0 0 15,548
BANK MONTREAL COM Stock 063671101 1,073 21,358 SH   SOLE   0 0 21,358
BAXTER INTL INC COM Stock 071813109 2,441 30,066 SH   SOLE   0 0 30,066
BECTON DICKINSON & CO COM Stock 075887109 2,361 10,278 SH   SOLE   0 0 10,278
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 544 2 SH   SOLE   0 0 2
BK OF AMERICA CORP COM Stock 060505104 683 32,196 SH   SOLE   0 0 32,196
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 272 4,891 SH   SOLE   0 0 4,891
CAPITAL ONE FINL CORP COM Stock 14040H105 935 18,546 SH   SOLE   0 0 18,546
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 4,346 43,234 SH   SOLE   0 0 43,234
CHEVRON CORP NEW COM Stock 166764100 1,563 21,573 SH   SOLE   0 0 21,573
CHURCH & DWIGHT INC COM Stock 171340102 6,069 94,571 SH   SOLE   0 0 94,571
CISCO SYS INC COM Stock 17275R102 3,564 90,680 SH   SOLE   0 0 90,680
COCA COLA CO COM Stock 191216100 229 5,194 SH   SOLE   0 0 5,194
COLGATE PALMOLIVE CO COM Stock 194162103 1,496 22,554 SH   SOLE   0 0 22,554
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 3,734 84,406 SH   SOLE   0 0 84,406
CONOCOPHILLIPS COM Stock 20825C104 1,744 56,651 SH   SOLE   0 0 56,651
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 6,365 64,897 SH   SOLE   0 0 64,897
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 1,341 24,627 SH   SOLE   0 0 24,627
COVANTA HLDG CORP COM Stock 22282E102 2 296 SH   SOLE   0 0 296
CVS HEALTH CORP COM Stock 126650100 1,152 19,416 SH   SOLE   0 0 19,416
DANAHER CORPORATION COM Stock 235851102 4,483 32,389 SH   SOLE   0 0 32,389
DEERE & CO COM Stock 244199105 1,399 10,132 SH   SOLE   0 0 10,132
DIAGEO P L C SPON ADR NEW ADR 25243Q205 896 7,052 SH   SOLE   0 0 7,052
DISNEY WALT CO COM DISNEY Stock 254687106 5,919 61,279 SH   SOLE   0 0 61,279
DOLLAR GEN CORP NEW COM Stock 256677105 210 1,395 SH   SOLE   0 0 1,395
DTE ENERGY CO COM Stock 233331107 1,697 17,873 SH   SOLE   0 0 17,873
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100 213 17,547 SH   SOLE   0 0 17,547
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 454 15,654 SH   SOLE   0 0 15,654
EVOLUS INC COM Stock 30052C107 46 11,110 SH   SOLE   0 0 11,110
EXXON MOBIL CORP COM Stock 30231G102 1,390 36,616 SH   SOLE   0 0 36,616
FACEBOOK INC CL A Stock 30303M102 299 1,793 SH   SOLE   0 0 1,793
FIFTH THIRD BANCORP COM Stock 316773100 1,062 71,560 SH   SOLE   0 0 71,560
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 2,957 142,041 SH   SOLE   0 0 142,041
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100 5,183 63,001 SH   SOLE   0 0 63,001
FISERV INC COM Stock 337738108 6,707 70,609 SH   SOLE   0 0 70,609
FORTIVE CORP COM Stock 34959J108 1,398 25,338 SH   SOLE   0 0 25,338
GENERAL ELECTRIC CO COM Stock 369604103 107 13,493 SH   SOLE   0 0 13,493
GOLDMAN SACHS ACCESS INFLATION PROTECTED USD BOND ETF ETF 381430362 1,146 11,732 SH   SOLE   0 0 11,732
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 10,461 118,107 SH   SOLE   0 0 118,107
HOME DEPOT INC COM Stock 437076102 2,078 11,133 SH   SOLE   0 0 11,133
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 1,275 21,619 SH   SOLE   0 0 21,619
INTEL CORP COM Stock 458140100 4,417 81,627 SH   SOLE   0 0 81,627
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 217 1,959 SH   SOLE   0 0 1,959
ISHARES CMBS ETF ETF 46429B366 1,065 19,838 SH   SOLE   0 0 19,838
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 3,748 52,385 SH   SOLE   0 0 52,385
ISHARES CORE MSCI EAFE ETF ETF 46432F842 1,040 20,857 SH   SOLE   0 0 20,857
ISHARES CORE S&P 500 ETF ETF 464287200 4,199 16,251 SH   SOLE   0 0 16,251
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 293 2,545 SH   SOLE   0 0 2,545
ISHARES EDGE MSCI MIN VOL GLOBAL ETF ETF 464286525 457 5,697 SH   SOLE   0 0 5,697
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 219 8,894 SH   SOLE   0 0 8,894
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 238 3,093 SH   SOLE   0 0 3,093
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 16,115 140,472 SH   SOLE   0 0 140,472
ISHARES MSCI ACWI EX US INDEX FUND ETF 464288240 830 22,071 SH   SOLE   0 0 22,071
ISHARES MSCI ACWI INDEX FUND ETF 464288257 225 3,605 SH   SOLE   0 0 3,605
ISHARES MSCI EAFE ETF ETF 464287465 956 17,887 SH   SOLE   0 0 17,887
ISHARES MSCI EAFE VALUE ETF ETF 464288877 657 18,413 SH   SOLE   0 0 18,413
ISHARES MSCI SWITZERLAND ETF ETF 464286749 218 6,193 SH   SOLE   0 0 6,193
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 236 2,154 SH   SOLE   0 0 2,154
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,034 18,000 SH   SOLE   0 0 18,000
ISHARES RUSSELL 1000 ETF ETF 464287622 892 6,308 SH   SOLE   0 0 6,308
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 4,517 29,985 SH   SOLE   0 0 29,985
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 2,001 20,182 SH   SOLE   0 0 20,182
ISHARES RUSSELL 2000 ETF ETF 464287655 351 3,074 SH   SOLE   0 0 3,074
ISHARES RUSSELL 3000 ETF ETF 464287689 736 4,967 SH   SOLE   0 0 4,967
ISHARES RUSSELL MID-CAP ETF ETF 464287499 514 11,908 SH   SOLE   0 0 11,908
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 218 1,794 SH   SOLE   0 0 1,794
ISHARES S&P 500 GROWTH ETF ETF 464287309 11,170 67,680 SH   SOLE   0 0 67,680
ISHARES S&P 500 VALUE ETF ETF 464287408 6,373 66,222 SH   SOLE   0 0 66,222
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 694 3,889 SH   SOLE   0 0 3,889
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 357 3,261 SH   SOLE   0 0 3,261
ISHARES S&P MIDCAP FUND ETF 464287507 2,111 14,678 SH   SOLE   0 0 14,678
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 266 1,933 SH   SOLE   0 0 1,933
ISHARES S&P SMALL-CAP FUND ETF 464287804 1,889 33,675 SH   SOLE   0 0 33,675
ISHARES SHORT MATURITY BOND ETF ETF 46431W507 983 20,284 SH   SOLE   0 0 20,284
ISHARES SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838 2,025 40,699 SH   SOLE   0 0 40,699
ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 544 10,405 SH   SOLE   0 0 10,405
JOHNSON & JOHNSON COM Stock 478160104 765 5,838 SH   SOLE   0 0 5,838
JPMORGAN CHASE & CO COM Stock 46625H100 3,685 40,939 SH   SOLE   0 0 40,939
JPMORGAN RESEARCH ENHANCED HIGH YIELD ETF ETF 46641Q878 292 6,591 SH   SOLE   0 0 6,591
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 1,131 22,774 SH   SOLE   0 0 22,774
KLA CORPORATION COM NEW Stock 482480100 237 1,653 SH   SOLE   0 0 1,653
LOWES COS INC COM Stock 548661107 4,585 53,291 SH   SOLE   0 0 53,291
M & T BK CORP COM Stock 55261F104 1,367 13,217 SH   SOLE   0 0 13,217
MASTERCARD INC CL A Stock 57636Q104 236 979 SH   SOLE   0 0 979
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 3,392 75,321 SH   SOLE   0 0 75,321
MCDONALDS CORP COM Stock 580135101 2,939 17,780 SH   SOLE   0 0 17,780
MERCK & CO. INC COM Stock 58933Y105 2,231 29,007 SH   SOLE   0 0 29,007
MICROSOFT CORP COM Stock 594918104 8,007 50,775 SH   SOLE   0 0 50,775
MONDELEZ INTL INC CL A Stock 609207105 418 8,353 SH   SOLE   0 0 8,353
NEXTERA ENERGY INC COM Stock 65339F101 207 862 SH   SOLE   0 0 862
NORTHROP GRUMMAN CORP COM Stock 666807102 2,760 9,123 SH   SOLE   0 0 9,123
NOVARTIS A G SPONSORED ADR ADR 66987V109 1,223 14,845 SH   SOLE   0 0 14,845
NVIDIA CORP COM Stock 67066G104 7,456 28,289 SH   SOLE   0 0 28,289
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104 969 84,020 SH   SOLE   0 0 84,020
PEPSICO INC COM Stock 713448108 458 3,820 SH   SOLE   0 0 3,820
PFIZER INC COM Stock 717081103 2,115 64,813 SH   SOLE   0 0 64,813
PROCTER & GAMBLE CO COM Stock 742718109 2,411 21,919 SH   SOLE   0 0 21,919
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 2,954 31,316 SH   SOLE   0 0 31,316
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 2,581 83,262 SH   SOLE   0 0 83,262
REGENERON PHARMACEUTICALS COM Stock 75886F107 323 662 SH   SOLE   0 0 662
ROPER TECHNOLOGIES INC COM Stock 776696106 2,802 8,988 SH   SOLE   0 0 8,988
SALESFORCE COM INC COM Stock 79466L302 232 1,617 SH   SOLE   0 0 1,617
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 2,525 85,908 SH   SOLE   0 0 85,908
SPDR EURO STOXX 50 ETF ETF 78463X202 1,436 48,671 SH   SOLE   0 0 48,671
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 236 3,101 SH   SOLE   0 0 3,101
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 406 16,531 SH   SOLE   0 0 16,531
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 552 18,263 SH   SOLE   0 0 18,263
SPDR S&P 500 ETF ETF 78462F103 23,158 89,848 SH   SOLE   0 0 89,848
SPDR S&P BANK ETF ETF 78464A797 339 12,605 SH   SOLE   0 0 12,605
SPDR S&P DIVIDEND ETF ETF 78464A763 670 8,395 SH   SOLE   0 0 8,395
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 372 1,416 SH   SOLE   0 0 1,416
SPROTT PHYSICAL GOLD TRUST UNIT CEF 85207H104 271 20,679 SH   SOLE   0 0 20,679
STARBUCKS CORP COM Stock 855244109 307 4,673 SH   SOLE   0 0 4,673
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 6,396 79,589 SH   SOLE   0 0 79,589
TEXAS INSTRS INC COM Stock 882508104 8,119 81,252 SH   SOLE   0 0 81,252
TRAVELERS COMPANIES INC COM Stock 89417E109 3,198 32,191 SH   SOLE   0 0 32,191
TRUSTCO BK CORP N Y COM Stock 898349105 323 59,882 SH   SOLE   0 0 59,882
UNILEVER N V N Y SHS NEW ADR 904784709 2,063 42,298 SH   SOLE   0 0 42,298
UNION PAC CORP COM Stock 907818108 6,446 45,705 SH   SOLE   0 0 45,705
US BANCORP DEL COM NEW Stock 902973304 212 6,181 SH   SOLE   0 0 6,181
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 5,221 94,242 SH   SOLE   0 0 94,242
VALERO ENERGY CORP COM Stock 91913Y100 2,403 52,978 SH   SOLE   0 0 52,978
VANGUARD FTSE EUROPE ETF ETF 922042874 292 6,767 SH   SOLE   0 0 6,767
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 394 9,186 SH   SOLE   0 0 9,186
VANGUARD REAL ESTATE ETF ETF 922908553 730 10,460 SH   SOLE   0 0 10,460
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 711 8,657 SH   SOLE   0 0 8,657
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 273 2,365 SH   SOLE   0 0 2,365
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 4,326 50,692 SH   SOLE   0 0 50,692
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 889 21,208 SH   SOLE   0 0 21,208
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 25,230 195,719 SH   SOLE   0 0 195,719
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508 326 4,833 SH   SOLE   0 0 4,833
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805 268 5,674 SH   SOLE   0 0 5,674
VERIZON COMMUNICATIONS INC COM Stock 92343V104 310 5,776 SH   SOLE   0 0 5,776
WALMART INC COM Stock 931142103 5,386 47,406 SH   SOLE   0 0 47,406
WASTE MGMT INC DEL COM Stock 94106L109 294 3,181 SH   SOLE   0 0 3,181
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 501 394 SH   SOLE   0 0 394
YUM BRANDS INC COM Stock 988498101 1,414 20,638 SH   SOLE   0 0 20,638
YUM CHINA HLDGS INC COM Stock 98850P109 1,075 25,235 SH   SOLE   0 0 25,235