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
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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
INVESCO QQQ TR ETF 46090E103 52,425 147,913 SH   SOLE   138,571 0 9,342
ISHARES TR IVV ETF 464287200 44,224 102,867 SH   SOLE   97,328 0 5,539
MICROSOFT CORP COM 594918104 22,702 83,804 SH   SOLE   76,701 0 7,103
SPDR S&P 500 ETF TR SPY ETF 78462F103 22,370 52,259 SH   SOLE   48,924 0 3,335
ISHARES TR IJH ETF 464287507 18,542 68,996 SH   SOLE   63,874 0 5,122
APPLE INC COM 037833100 16,817 122,786 SH   SOLE   114,128 0 8,658
AMAZON COM INC COM 023135106 16,735 4,864 SH   SOLE   4,446 0 418
VISA INC CL A 92826C839 16,303 69,725 SH   SOLE   65,254 0 4,471
ISHARES TR IJR ETF 464287804 15,414 136,431 SH   SOLE   125,836 0 10,595
FIDELITY COVINGTON TRUST FTEC ETF 316092808 15,339 130,225 SH   SOLE   120,785 0 9,440
NVIDIA CORPORATION COM 67066G104 13,372 16,712 SH   SOLE   15,534 0 1,178
ISHARES TR IBB ETF 464287556 12,206 74,585 SH   SOLE   69,905 0 4,680
UNITEDHEALTH GROUP INC COM 91324P102 11,204 27,980 SH   SOLE   26,575 0 1,405
JPMORGAN CHASE & CO COM 46625H100 11,130 71,557 SH   SOLE   66,327 0 5,230
MCDONALDS CORP COM 580135101 10,931 47,321 SH   SOLE   43,824 0 3,497
WALMART INC COM 931142103 10,814 76,682 SH   SOLE   72,445 0 4,237
JOHNSON & JOHNSON COM 478160104 9,014 54,719 SH   SOLE   51,533 0 3,186
ISHARES TR ITOT ETF 464287150 8,927 90,396 SH   SOLE   80,673 0 9,723
LOCKHEED MARTIN CORP COM 539830109 6,385 16,875 SH   SOLE   15,818 0 1,057
MASTERCARD INCORPORATED CL A 57636Q104 6,378 17,470 SH   SOLE   15,629 0 1,841
SPDR DOW JONES INDL DIA ETF 78467X109 6,227 18,051 SH   SOLE   16,328 0 1,723
ISHARES INC IEMG ETF 46434G103 5,835 87,093 SH   SOLE   79,457 0 7,636
SALESFORCE COM INC COM 79466L302 5,139 21,040 SH   SOLE   19,454 0 1,586
RACKSPACE TECHNOLOGY INC COM 750102105 4,143 211,289 SH   SOLE   198,298 0 12,991
HOME DEPOT INC COM 437076102 4,119 12,915 SH   SOLE   11,934 0 981
COSTCO WHSL CORP NEW COM 22160K105 4,007 10,128 SH   SOLE   9,305 0 823
ISHARES TR LQD ETF 464287242 3,613 26,889 SH   SOLE   26,757 0 132
ISHARES TR IEFA ETF 46432F842 3,558 47,534 SH   SOLE   44,471 0 3,063
TARGET CORP COM 87612E106 3,555 14,708 SH   SOLE   14,208 0 500
PROCTER AND GAMBLE CO COM 742718109 3,236 23,983 SH   SOLE   23,204 0 779
ISHARES TR SHY ETF 464287457 3,204 37,190 SH   SOLE   36,574 0 616
PEPSICO INC COM 713448108 3,122 21,072 SH   SOLE   20,286 0 786
PAYPAL HLDGS INC COM 70450Y103 2,851 9,780 SH   SOLE   9,330 0 450
LILLY ELI & CO COM 532457108 2,578 11,232 SH   SOLE   10,532 0 700
ALPHABET INC GOOGL CL A 02079K305 2,271 930 SH   SOLE   876 0 54
ISHARES TR IJJ ETF 464287705 2,180 20,701 SH   SOLE   19,298 0 1,403
ISHARES TR AGG ETF 464287226 2,161 18,739 SH   SOLE   18,608 0 131
VERIZON COMMUNICATIONS INC COM 92343V104 1,981 35,359 SH   SOLE   33,517 0 1,842
BLACKSTONE GROUP INC COM 09260D107 1,831 18,847 SH   SOLE   17,175 0 1,672
FIDELITY MERRIMACK STR FBND ETF 316188309 1,791 33,591 SH   SOLE   32,906 0 685
ALIBABA GROUP HLDG LTD ADS 01609W102 1,690 7,452 SH   SOLE   7,452 0 0
ISHARES TR FXI ETF 464287184 1,679 36,243 SH   SOLE   33,276 0 2,967
FACEBOOK INC CL A 30303M102 1,662 4,781 SH   SOLE   4,781 0 0
FISERV INC COM 337738108 1,640 15,339 SH   SOLE   15,339 0 0
DISNEY WALT CO COM 254687106 1,639 9,326 SH   SOLE   9,204 0 122
AMGEN INC COM 031162100 1,624 6,662 SH   SOLE   6,254 0 408
DOLLAR GEN CORP NEW COM 256677105 1,565 7,235 SH   SOLE   6,035 0 1,200
JD.COM INC CL A 47215P106 1,539 19,288 SH   SOLE   19,288 0 0
ISHARES TR IEF ETF 464287440 1,516 13,127 SH   SOLE   13,056 0 71
TG THERAPEUTICS INC COM 88322Q108 1,505 38,800 SH   SOLE   38,800 0 0
UNION PAC CORP COM 907818108 1,458 6,629 SH   SOLE   6,629 0 0
LAM RESEARCH CORP COM 512807108 1,451 2,230 SH   SOLE   2,230 0 0
ATLASSIAN CORP PLC CL A G06242104 1,446 5,630 SH   SOLE   5,209 0 421
UNITED THERAPEUTICS CORP DEL COM 91307C102 1,346 7,500 SH   SOLE   7,500 0 0
PINDUODUO INC ADS 722304102 1,270 10,000 SH   SOLE   10,000 0 0
BOSTON SCIENTIFIC CORP COM 101137107 1,243 29,060 SH   SOLE   29,060 0 0
VANGUARD INDEX FDS VTI ETF 922908769 1,239 5,562 SH   SOLE   5,357 0 205
INVESCO EXCH TRADED FD VRP ETF 46138G870 1,221 46,422 SH   SOLE   45,350 0 1,072
ABBOTT LABS COM 002824100 1,211 10,447 SH   SOLE   10,447 0 0
ASTRAZENECA PLC ADR 046353108 1,186 19,800 SH   SOLE   19,800 0 0
APPLIED MATLS INC COM 038222105 1,161 8,151 SH   SOLE   8,151 0 0
NUVASIVE INC COM 670704105 1,152 17,000 SH   SOLE   17,000 0 0
ISHARES TR PFF ETF 464288687 1,144 29,078 SH   SOLE   28,543 0 535
QORVO INC COM 74736K101 1,116 5,704 SH   SOLE   5,704 0 0
WENDYS CO COM 95058W100 1,091 46,577 SH   SOLE   45,623 0 954
VANGUARD BD INDEX FDS BND ETF 921937835 1,088 12,668 SH   SOLE   12,580 0 88
PIMCO ETF TR MINT ETF 72201R833 1,087 10,659 SH   SOLE   10,659 0 0
BROADCOM INC COM 11135F101 1,022 2,142 SH   SOLE   2,142 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 987 22,000 SH   SOLE   22,000 0 0
AT&T INC COM 00206R102 956 33,224 SH   SOLE   33,224 0 0
NXP SEMICONDUCTORS N V COM N6596X109 927 4,506 SH   SOLE   4,506 0 0
NIKE INC CL B 654106103 872 5,647 SH   SOLE   5,647 0 0
VIATRIS INC COM 92556V106 831 58,121 SH   SOLE   58,121 0 0
GENERAL MLS INC COM 370334104 764 12,534 SH   SOLE   12,534 0 0
ANTHEM INC COM 036752103 759 1,988 SH   SOLE   1,988 0 0
ZILLOW GROUP INC CL A 98954M101 743 6,060 SH   SOLE   6,060 0 0
ISHARES TR TIP ETF 464287176 713 5,567 SH   SOLE   5,547 0 20
HONEYWELL INTL INC COM 438516106 703 3,203 SH   SOLE   3,203 0 0
TEXAS INSTRS INC COM 882508104 702 3,653 SH   SOLE   3,653 0 0
CATERPILLAR INC COM 149123101 698 3,207 SH   SOLE   3,207 0 0
GENMAB A/S ADS 372303206 690 16,897 SH   SOLE   16,897 0 0
UNITED PARCEL SERVICE INC CL B 911312106 661 3,181 SH   SOLE   3,181 0 0
DELTA AIR LINES INC DEL COM 247361702 628 14,509 SH   SOLE   14,509 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 618 1,055 SH   SOLE   1,055 0 0
ABBVIE INC COM 00287Y109 601 5,339 SH   SOLE   4,839 0 500
SPDR INDEX SHS FDS GXC ETF 78463X400 584 4,400 SH   SOLE   4,400 0 0
PFIZER INC COM 717081103 575 14,688 SH   SOLE   14,688 0 0
MERCK & CO INC COM 58933Y105 570 7,331 SH   SOLE   7,331 0 0
COCA COLA CO COM 191216100 561 10,366 SH   SOLE   10,266 0 100
AMER STATES WTR CO COM 029899101 557 7,000 SH   SOLE   7,000 0 0
VANGUARD INDEX FDS VUG ETF 922908736 546 1,905 SH   SOLE   1,855 0 50
GDS HLDGS LTD ADS 36165L108 542 6,900 SH   SOLE   6,900 0 0
VANGUARD INDEX FDS VXF ETF 922908652 538 2,853 SH   SOLE   882 0 1,971
BLACKROCK INC COM 09247X101 526 602 SH   SOLE   602 0 0
ISHARES TR TLT ETF 464287432 519 3,592 SH   SOLE   3,550 0 42
WASTE MGMT INC DEL COM 94106L109 518 3,697 SH   SOLE   3,697 0 0
HDFC BANK LTD ADS 40415F101 512 7,000 SH   SOLE   7,000 0 0
ISHARES INC EWH ETF 464286871 504 18,850 SH   SOLE   18,850 0 0
ISHARES TR IWF ETF 464287614 491 1,808 SH   SOLE   1,808 0 0
KLA CORP COM 482480100 486 1,500 SH   SOLE   1,500 0 0
TESLA INC COM 88160R101 480 706 SH   SOLE   706 0 0
WILLIAMS SONOMA INC COM 969904101 479 3,000 SH   SOLE   3,000 0 0
HORIZON THERAPEUTICS PUB L SHS G46188101 468 5,000 SH   SOLE   5,000 0 0
FORD MTR CO DEL COM 345370860 456 30,666 SH   SOLE   30,666 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 444 6,639 SH   SOLE   6,139 0 500
HUMANA INC COM 444859102 443 1,000 SH   SOLE   1,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 435 2,969 SH   SOLE   2,958 0 11
INGREDION INC COM 457187102 419 4,625 SH   SOLE   4,625 0 0
CIGNA CORP NEW COM 125523100 418 1,764 SH   SOLE   1,764 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 417 5,000 SH   SOLE   5,000 0 0
GALAPAGOS NV ADR 36315X101 413 6,000 SH   SOLE   6,000 0 0
PROTHENA CORP PLC COM G72800108 411 8,000 SH   SOLE   8,000 0 0
EXXON MOBIL CORP COM 30231G102 392 6,207 SH   SOLE   4,730 0 1,477
ENCOMPASS HEALTH CORP COM 29261A100 390 5,000 SH   SOLE   5,000 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 390 26,200 SH   SOLE   26,200 0 0
CARMAX INC COM 143130102 387 3,000 SH   SOLE   3,000 0 0
ARROW FINL CORP COM 042744102 382 10,614 SH   SOLE   10,336 0 278
DUKE ENERGY CORP NEW COM 26441C204 377 3,823 SH   SOLE   3,754 0 69
TRUSTCO BK CORP N Y COM 898349204 375 10,908 SH   SOLE   10,908 0 0
BOEING CO COM 097023105 368 1,534 SH   SOLE   1,534 0 0
ISHARES TR IJK ETF 464287606 364 4,496 SH   SOLE   3,072 0 1,424
M & T BK CORP COM 55261F104 360 2,475 SH   SOLE   2,475 0 0
SPDR SER TR SDY ETF 78464A763 358 2,929 SH   SOLE   2,929 0 0
TRIP COM GROUP LTD ADS 89677Q107 355 10,000 SH   SOLE   10,000 0 0
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 353 14,307 SH   SOLE   14,307 0 0
EATON CORP PLC SHS G29183103 339 2,288 SH   SOLE   2,288 0 0
WD 40 CO COM 929236107 337 1,316 SH   SOLE   1,186 0 130
NEUBERGER BERMAN N Y MUN NBO COM 64124K102 336 25,240 SH   SOLE   25,240 0 0
VANGUARD INDEX FDS VOO ETF 922908363 336 853 SH   SOLE   578 0 275
NEXTERA ENERGY INC COM 65339F101 335 4,568 SH   SOLE   304 0 4,264
THERAVANCE BIOPHARMA INC COM G8807B106 334 23,000 SH   SOLE   17,000 0 6,000
RAYTHEON TECHNOLOGIES CORP COM 75513E101 331 3,874 SH   SOLE   3,874 0 0
TELUS CORPORATION COM 87971M103 326 14,520 SH   SOLE   14,520 0 0
TJX COS INC NEW COM 872540109 320 4,752 SH   SOLE   4,752 0 0
VMWARE INC CL A 928563402 320 2,000 SH   SOLE   2,000 0 0
ISHARES TR IWD ETF 464287598 319 2,014 SH   SOLE   2,014 0 0
ORACLE CORP COM 68389X105 317 4,073 SH   SOLE   4,073 0 0
ALTRIA GROUP INC COM 02209S103 313 6,558 SH   SOLE   5,558 0 1,000
ADVANCED MICRO DEVICES INC COM 007903107 312 3,321 SH   SOLE   2,835 0 486
ISHARES TR OEF ETF 464287101 301 1,536 SH   SOLE   1,519 0 17
SPDR SER TR CWB ETF 78464A359 298 3,431 SH   SOLE   3,431 0 0
EATON VANCE TAX ETB COM 27828X100 283 16,861 SH   SOLE   15,934 0 927
LOEWS CORP COM 540424108 280 5,119 SH   SOLE   5,119 0 0
INTEL CORP COM 458140100 270 4,804 SH   SOLE   4,782 0 22
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 269 1,800 SH   SOLE   1,800 0 0
DOW INC COM 260557103 268 4,230 SH   SOLE   3,030 0 1,200
GENERAL ELECTRIC CO COM 369604103 263 19,545 SH   SOLE   19,545 0 0
DANAHER CORPORATION COM 235851102 262 977 SH   SOLE   977 0 0
NOVO-NORDISK A S ADR 670100205 260 3,102 SH   SOLE   3,102 0 0
CISCO SYS INC COM 17275R102 249 4,704 SH   SOLE   4,704 0 0
MICROSTRATEGY INC CL A 594972408 249 375 SH   SOLE   375 0 0
VANGUARD INDEX FDS VTV ETF 922908744 247 1,800 SH   SOLE   1,751 0 49
ALPS ETF TR ETF 00162Q858 238 4,493 SH   SOLE   4,493 0 0
KEYCORP COM 493267108 234 11,326 SH   SOLE   11,326 0 0
ISHARES TR ISTB ETF 46432F859 230 4,480 SH   SOLE   4,439 0 41
UNITIL CORP COM 913259107 228 4,296 SH   SOLE   4,296 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 228 600 SH   SOLE   600 0 0
HALOZYME THERAPEUTICS INC COM 40637H109 227 5,000 SH   SOLE   5,000 0 0
PRUDENTIAL FINL INC COM 744320102 222 2,169 SH   SOLE   1,581 0 588
ISHARES TR IWB ETF 464287622 222 915 SH   SOLE   915 0 0
DIAGEO PLC ADR 25243Q205 214 1,116 SH   SOLE   1,116 0 0
LAZARD LTD SHS G54050102 204 4,500 SH   SOLE   3,000 0 1,500
CASEYS GEN STORES INC COM 147528103 204 1,050 SH   SOLE   1,050 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 200 1,044 SH   SOLE   1,044 0 0
PPL CORP COM 69351T106 188 6,739 SH   SOLE   6,739 0 0
AMERCO COM 023586100 174 295 SH   SOLE   295 0 0
CME GROUP INC COM 12572Q105 138 650 SH   SOLE   650 0 0
EQUINIX INC COM 29444U700 125 155 SH   SOLE   155 0 0
LIQUIDIA CORPORATION COM 53635D202 86 30,000 SH   SOLE   30,000 0 0
ZYNERBA PHARMACEUTICALS INC COM 98986X109 85 16,000 SH   SOLE   16,000 0 0
CONFORMIS INC COM 20717E101 29 25,000 SH   SOLE   25,000 0 0
SPDR S&P 500 ETF TR ETF 78462F103 6 500 SH Put SOLE   500 0 0
SPDR S&P 500 ETF TR ETF 78462F103 1 500 SH Put SOLE   500 0 0