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
ISHARES TR CORE S&P SCP ETF 464287804 464 4,278 SH   SOLE   0 0 4,278
ISHARES TR CORE S&P500 ETF 464287200 16,028 40,291 SH   SOLE   0 0 40,291
SPDR S&P 500 ETF TR TR UNIT 78462F103 741 1,869 SH   SOLE   0 0 1,869
AMAZON COM INC COM 023135106 2,840 918 SH   SOLE   0 0 918
BOEING CO COM 097023105 379 1,489 SH   SOLE   0 0 1,489
INVESCO QQQ TR UNIT SER 1 46090E103 224 702 SH   SOLE   0 0 702
ALTRIA GROUP INC COM 02209S103 272 5,325 SH   SOLE   0 0 5,325
INTEL CORP COM 458140100 235 3,671 SH   SOLE   0 0 3,671
DISNEY WALT CO COM 254687106 726 3,933 SH   SOLE   0 0 3,933
JOHNSON & JOHNSON COM 478160104 380 2,312 SH   SOLE   0 0 2,312
MEDTRONIC PLC SHS G5960L103 222 1,883 SH   SOLE   0 0 1,883
PFIZER INC COM 717081103 281 7,759 SH   SOLE   0 0 7,759
CHEVRON CORP NEW COM 166764100 956 9,126 SH   SOLE   0 0 9,126
MICROSOFT CORP COM 594918104 805 3,413 SH   SOLE   0 0 3,413
AT&T INC COM 00206R102 824 27,209 SH   SOLE   0 0 27,209
INTERNATIONAL BUSINESS MACHS COM 459200101 299 2,246 SH   SOLE   0 0 2,246
VERIZON COMMUNICATIONS INC COM 92343V104 842 14,476 SH   SOLE   0 0 14,476
SELECT SECTOR SPDR TR ENERGY 81369Y506 332 6,772 SH   SOLE   0 0 6,772
ISHARES INC MSCI BRAZIL ETF 464286400 201 6,000 SH   SOLE   0 0 6,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 310 2,106 SH   SOLE   0 0 2,106
EXXON MOBIL CORP COM 30231G102 560 10,034 SH   SOLE   0 0 10,034
UNION PAC CORP COM 907818108 206 933 SH   SOLE   0 0 933
MERCK & CO. INC COM 58933Y105 253 3,282 SH   SOLE   0 0 3,282
GENERAL ELECTRIC CO COM 369604103 381 28,998 SH   SOLE   0 0 28,998
HOME DEPOT INC COM 437076102 215 705 SH   SOLE   0 0 705
JPMORGAN CHASE & CO COM 46625H100 803 5,272 SH   SOLE   0 0 5,272
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 70 17,017 SH   SOLE   0 0 17,017
ISHARES TR IBOXX INV CP ETF 464287242 792 6,091 SH   SOLE   0 0 6,091
TRUSTCO BK CORP N Y COM 898349105 74 10,000 SH   SOLE   0 0 10,000
COMCAST CORP NEW CL A 20030N101 286 5,293 SH   SOLE   0 0 5,293
APPLE INC COM 037833100 6,221 50,927 SH   SOLE   0 0 50,927
TEKLA HEALTHCARE INVS SH BEN INT 87911J103 297 12,173 SH   SOLE   0 0 12,173
SELECTIVE INS GROUP INC COM 816300107 438 6,035 SH   SOLE   0 0 6,035
EATON VANCE LTD DURATION INC COM 27828H105 560 44,348 SH   SOLE   0 0 44,348
NETFLIX INC COM 64110L106 209 401 SH   SOLE   0 0 401
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 140 18,302 SH   SOLE   0 0 18,302
ISHARES TR CORE US AGGBD ET 464287226 15,538 136,501 SH   SOLE   0 0 136,501
ISHARES TR SELECT DIVID ETF 464287168 206 1,804 SH   SOLE   0 0 1,804
CONSOLIDATED EDISON INC COM 209115104 416 5,565 SH   SOLE   0 0 5,565
APOLLO INVT CORP COM NEW 03761U502 379 27,616 SH   SOLE   0 0 27,616
NEW YORK CMNTY BANCORP INC COM 649445103 210 16,626 SH   SOLE   0 0 16,626
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107 69 14,475 SH   SOLE   0 0 14,475
SFL CORPORATION LTD SHS G7738W106 98 12,270 SH   SOLE   0 0 12,270
AMERICA FIRST MULTIFAMILY IN BEN UNIT CTF 02364V107 98 17,800 SH   SOLE   0 0 17,800
ALPHABET INC CAP STK CL A 02079K305 239 116 SH   SOLE   0 0 116
SPDR GOLD TR GOLD SHS 78463V107 750 4,686 SH   SOLE   0 0 4,686
VANGUARD INDEX FDS VALUE ETF 922908744 1,357 10,324 SH   SOLE   0 0 10,324
VANGUARD INDEX FDS MID CAP ETF 922908629 276 1,245 SH   SOLE   0 0 1,245
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,035 88,915 SH   SOLE   0 0 88,915
VANGUARD INDEX FDS GROWTH ETF 922908736 2,559 9,956 SH   SOLE   0 0 9,956
PALATIN TECHNOLOGIES INC COM PAR $ .01 696077403 7 10,100 SH   SOLE   0 0 10,100
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 26 11,100 SH   SOLE   0 0 11,100
GAMCO GLOBAL GOLD NAT RES & COM SH BEN INT 36465A109 74 21,400 SH   SOLE   0 0 21,400
VOYA GLBL EQTY DIV & PREM OP COM 92912T100 59 10,300 SH   SOLE   0 0 10,300
SALESFORCE COM INC COM 79466L302 285 1,344 SH   SOLE   0 0 1,344
ABERDEEN TOTAL DYNAMIC DIVD COM SH BEN INT 00326L100 105 11,063 SH   SOLE   0 0 11,063
M & T BK CORP COM 55261F104 660 4,351 SH   SOLE   0 0 4,351
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 169 12,409 SH   SOLE   0 0 12,409
BLACKROCK N Y MUN INCOME TRU SH BEN INT 09248L106 299 19,300 SH   SOLE   0 0 19,300
PIMCO NEW YORK MUN FD II COM 72200Y102 133 11,819 SH   SOLE   0 0 11,819
ARES CAPITAL CORP COM 04010L103 423 22,634 SH   SOLE   0 0 22,634
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 389 4,739 SH   SOLE   0 0 4,739
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 1,276 5,850 SH   SOLE   0 0 5,850
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,461 353,159 SH   SOLE   0 0 353,159
BLACKSTONE GROUP INC COM 09260D107 232 3,112 SH   SOLE   0 0 3,112
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 345 3,512 SH   SOLE   0 0 3,512
ISHARES TR INTL SEL DIV ETF 464288448 274 8,718 SH   SOLE   0 0 8,718
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 201 4,086 SH   SOLE   0 0 4,086
ENERGY FUELS INC COM NEW 292671708 61 10,654 SH   SOLE   0 0 10,654
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500 681 9,922 SH   SOLE   0 0 9,922
ISHARES TR JPMORGAN USD EMG 464288281 260 2,390 SH   SOLE   0 0 2,390
ISHARES TR ISHS 5-10YR INVT 464288638 225 3,800 SH   SOLE   0 0 3,800
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 213 1,958 SH   SOLE   0 0 1,958
PHILIP MORRIS INTL INC COM 718172109 610 6,873 SH   SOLE   0 0 6,873
SPDR SER TR PORTFLI INTRMDIT 78464A672 700 21,834 SH   SOLE   0 0 21,834
EMAGIN CORP COM NEW 29076N206 93 24,977 SH   SOLE   0 0 24,977
FS KKR CAP CORP COM 302635206 920 46,377 SH   SOLE   0 0 46,377
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 411 4,985 SH   SOLE   0 0 4,985
ISHARES TR CORE LT USDB ETF 464289479 1,679 24,497 SH   SOLE   0 0 24,497
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 300 5,614 SH   SOLE   0 0 5,614
TESLA INC COM 88160R101 535 801 SH   SOLE   0 0 801
SCHWAB STRATEGIC TR US TIPS ETF 808524870 627 10,250 SH   SOLE   0 0 10,250
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 682 1,871 SH   SOLE   0 0 1,871
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,333 44,784 SH   SOLE   0 0 44,784
VANGUARD STAR FDS VG TL INTL STK F 921909768 486 7,752 SH   SOLE   0 0 7,752
ISHARES TR CORE HIGH DV ETF 46429B663 486 5,121 SH   SOLE   0 0 5,121
FACEBOOK INC CL A 30303M102 556 1,887 SH   SOLE   0 0 1,887
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 1,047 32,799 SH   SOLE   0 0 32,799
ISHARES INC US INTL HGH YLD 464286178 273 5,444 SH   SOLE   0 0 5,444
ISHARES INC CORE MSCI EMKT 46434G103 312 4,841 SH   SOLE   0 0 4,841
ISHARES TR CORE MSCI TOTAL 46432F834 1,859 26,455 SH   SOLE   0 0 26,455
ISHARES TR CORE MSCI EAFE 46432F842 381 5,292 SH   SOLE   0 0 5,292
ISHARES TR CORE 1 5 YR USD 46432F859 739 14,415 SH   SOLE   0 0 14,415
ISHARES TR MSCI USA MMENTM 46432F396 4,334 26,941 SH   SOLE   0 0 26,941
FIRST TR INTER DUR PFD & IN COM 33718W103 859 35,872 SH   SOLE   0 0 35,872
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,103 19,304 SH   SOLE   0 0 19,304
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 350 4,510 SH   SOLE   0 0 4,510
ALPHABET INC CAP STK CL C 02079K107 569 275 SH   SOLE   0 0 275
ISHARES TR CORE TOTAL USD 46434V613 20,237 383,646 SH   SOLE   0 0 383,646
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 591 2,608 SH   SOLE   0 0 2,608
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,032 104,367 SH   SOLE   0 0 104,367
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 8,133 273,851 SH   SOLE   0 0 273,851
KRAFT HEINZ CO COM 500754106 237 5,933 SH   SOLE   0 0 5,933
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 20,055 408,201 SH   SOLE   0 0 408,201
ISHARES TR CORE INTL AGGR 46435G672 286 5,205 SH   SOLE   0 0 5,205
ISHARES TR ESG AW MSCI EAFE 46435G516 288 3,794 SH   SOLE   0 0 3,794
DBX ETF TR XTRACK USD HIGH 233051432 13,481 269,666 SH   SOLE   0 0 269,666
ISHARES TR ESG AWR MSCI USA 46435G425 219 2,408 SH   SOLE   0 0 2,408
LATTICE STRATEGIES TR HARTFORD US EQTY 518416409 4,266 113,192 SH   SOLE   0 0 113,192
BAIN CAP SPECIALTY FIN INC COM STK 05684B107 520 35,176 SH   SOLE   0 0 35,176
OWL ROCK CAPITAL CORPORATION COM 69121K104 523 37,956 SH   SOLE   0 0 37,956
DRAFTKINGS INC COM CL A 26142R104 208 3,390 SH   SOLE   0 0 3,390
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1 200 SH Call SOLE   0 0 200
PALANTIR TECHNOLOGIES INC CL A 69608A108 256 11,010 SH   SOLE   0 0 11,010
DRAFTKINGS INC COM CL A 26142R104 5 1,000 SH Put SOLE   0 0 1,000
ROBLOX CORP CL A 771049103 209 3,218 SH   SOLE   0 0 3,218