THE COCA-COLA CO COM 191216100 6450 104036 SH SOLE NONE 0 0 104036 MICROSOFT CORP COM 594918104 6300 20434 SH SOLE NONE 0 0 20434 APPLE INC COM 037833100 6081 34824 SH SOLE NONE 0 0 34824 SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 5030 101526 SH SOLE NONE 0 0 101526 EXXON MOBIL CORP COM 30231G102 4547 55050 SH SOLE NONE 0 0 55050 ABBVIE INC COM 00287Y109 4472 27584 SH SOLE NONE 0 0 27584 JPMORGAN CHASE & CO COM 46625H100 4437 32545 SH SOLE NONE 0 0 32545 PGIM SHORT DURATION HIGH COM 69355J104 4292 256548 SH SOLE NONE 0 0 256548 NORTHROP GRUMMAN CORP COM 666807102 4033 9017 SH SOLE NONE 0 0 9017 GLOBAL X US PREFERRED ETF US PFD ETF 37954Y657 3254 138456 SH SOLE NONE 0 0 138456 TRUIST FINANCIAL CORPORATION COM 89832Q109 3250 57324 SH SOLE NONE 0 0 57324 STRYKER CORP COM 863667101 3238 12111 SH SOLE NONE 0 0 12111 SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 3160 59181 SH SOLE NONE 0 0 59181 CVS HEALTH CORP COM 126650100 3091 30538 SH SOLE NONE 0 0 30538 EMERSON ELECTRIC CO COM 291011104 2636 26888 SH SOLE NONE 0 0 26888 PFIZER INC COM 717081103 2511 48506 SH SOLE NONE 0 0 48506 CISCO SYSTEMS INC COM 17275R102 2486 44575 SH SOLE NONE 0 0 44575 AMERICAN EXPRESS CO COM 025816109 2442 13059 SH SOLE NONE 0 0 13059 JOHNSON & JOHNSON COM 478160104 2387 13470 SH SOLE NONE 0 0 13470 AMAZON.COM INC COM 023135106 2181 669 SH SOLE NONE 0 0 669 A T & T INC COM 00206R102 2152 91051 SH SOLE NONE 0 0 91051 CHEVRON CORP COM 166764100 2120 13019 SH SOLE NONE 0 0 13019 VERIZON COMMUNICATN COM 92343V104 1993 39124 SH SOLE NONE 0 0 39124 PARAMOUNT GLOBAL CLASS B CLASS B COM 92556H206 1940 51305 SH SOLE NONE 0 0 51305 ABBOTT LABORATORIES COM 002824100 1922 16240 SH SOLE NONE 0 0 16240 SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1704 21605 SH SOLE NONE 0 0 21605 NUVEEN AMT FREE MUNICIPA COM 670695105 1676 113554 SH SOLE NONE 0 0 113554 SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 1656 45103 SH SOLE NONE 0 0 45103 PEPSICO INC COM 713448108 1652 9867 SH SOLE NONE 0 0 9867 RAYTHEON TECHNOLOGIES CO COM 75513E101 1345 13576 SH SOLE NONE 0 0 13576 WALMART INC COM 931142103 1272 8540 SH SOLE NONE 0 0 8540 QUALCOMM INC COM 747525103 1185 7755 SH SOLE NONE 0 0 7755 CRACKER BARREL OLD COUNT COM 22410J106 1049 8832 SH SOLE NONE 0 0 8832 SCHWAB US TIPS ETF US TIPS ETF 808524870 976 16080 SH SOLE NONE 0 0 16080 DARDEN RESTAURANTS COM 237194105 881 6628 SH SOLE NONE 0 0 6628 VANGUARD SHORT-TERM BONDETF SHORT TRM BOND 921937827 769 9868 SH SOLE NONE 0 0 9868 NUVEEN OHIO QLTY MNCPL I COM 670980101 693 49930 SH SOLE NONE 0 0 49930 SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 679 9509 SH SOLE NONE 0 0 9509 CARRIER GLOBAL CORP COM 14448C104 620 13527 SH SOLE NONE 0 0 13527 TRUSTCO BANK CORP N Y COM NEW 898349204 604 18906 SH SOLE NONE 0 0 18906 ISHARES PREFERRED INCOMESEC ETF PFD AND INCM SEC 464288687 520 14281 SH SOLE NONE 0 0 14281 OTIS WORLDWIDE CORP COM 68902V107 490 6374 SH SOLE NONE 0 0 6374 WALGREENS BOOTS ALLI COM 931427108 466 10417 SH SOLE NONE 0 0 10417 CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 382 5037 SH SOLE NONE 0 0 5037 NEXTERA ENERGY INC COM 65339F101 374 4412 SH SOLE NONE 0 0 4412 ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 373 5065 SH SOLE NONE 0 0 5065 SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 372 6916 SH SOLE NONE 0 0 6916 SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 320 4281 SH SOLE NONE 0 0 4281 WALT DISNEY CO COM 254687106 306 2232 SH SOLE NONE 0 0 2232 SELECT SECTOR UTI SELECTSPDR ETF SBI INT-UTILS 81369Y886 297 3985 SH SOLE NONE 0 0 3985 ENERGY SELECT SECTOR SPDR ETF IV ENERGY 81369Y506 291 3812 SH SOLE NONE 0 0 3812 ISHARES RUSSELL 3000 ETF RUSSELL 3000 ETF 464287689 289 1102 SH SOLE NONE 0 0 1102 SPDR S&P 500 ETF TR UNIT 78462F103 278 615 SH SOLE NONE 0 0 615 SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 262 5533 SH SOLE NONE 0 0 5533 BANK OF AMERICA CORP COM 060505104 252 6121 SH SOLE NONE 0 0 6121 PROCTER & GAMBLE COM 742718109 230 1508 SH SOLE NONE 0 0 1508 SCHWAB US AGGREGATE BONDETF US AGGREGATE B 808524839 216 4281 SH SOLE NONE 0 0 4281 HOME DEPOT INC COM 437076102 216 722 SH SOLE NONE 0 0 722