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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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
SPDR S&P 500 ETF SPY ETF 78462F103 25,917 103,163 SH   SOLE   96,482 0 6,681
SPDR S&P MIDCAP 400 ETF TR ETF 78467Y107 21,405 65,594 SH   SOLE   60,842 0 4,752
ISHARES TR CORE SC ETF 464287804 16,517 222,547 SH   SOLE   206,124 0 16,423
ISHARES TR CORE S&P 500 ETF 464287200 15,999 63,253 SH   SOLE   61,620 0 1,633
POWERSHARES QQQ TRUST ETF 73935A104 15,591 107,186 SH   SOLE   98,893 0 8,293
VISA INC COM 92826C839 11,505 109,322 SH   SOLE   101,663 0 7,659
ISHARES TR S&P SC 400 ETF 464287705 8,482 55,540 SH   SOLE   51,527 0 4,013
FACEBOOK INC COM 30303M102 7,262 42,499 SH   SOLE   38,618 0 3,881
EXXON MOBIL CORP COM 30231G102 6,936 84,606 SH   SOLE   78,572 0 6,034
MCDONALDS CORP COM 580135101 6,587 42,039 SH   SOLE   39,596 0 2,443
JPMORGAN CHASE & CO COM 46625H100 5,531 57,912 SH   SOLE   54,054 0 3,858
APPLE INC COM 037833100 5,504 35,710 SH   SOLE   32,463 0 3,247
ALTRIA GROUP INC COM 02209S103 5,371 84,691 SH   SOLE   80,561 0 4,130
LOCKHEED MARTIN CORP COM 539830109 5,236 16,875 SH   SOLE   15,677 0 1,198
PEPSICO INC COM 713448108 4,969 44,596 SH   SOLE   41,657 0 2,939
ISHARES TR MC 400 GR ETF 464287606 4,890 24,167 SH   SOLE   21,088 0 3,079
AT&T INC COM 00206R102 4,587 117,102 SH   SOLE   112,144 0 4,958
SPDR DOW JONES INDL AVRG DIA ETF 78467X109 4,258 19,025 SH   SOLE   16,459 0 2,566
ISHARES TR CORE S&P MCP ETF 464287507 4,100 22,920 SH   SOLE   21,776 0 1,144
POWERSHARES ETF TR II VAR RATE ETF 73937B597 3,960 152,009 SH   SOLE   150,934 0 1,075
ALPHABET INC CL C COM 02079K107 3,626 3,781 SH   SOLE   3,599 0 182
FIDELITY MSCI INFO TECH ETF 316092808 3,238 70,137 SH   SOLE   66,329 0 3,808
ISHARES TR CORE S&P TTL STK ETF 464287150 3,162 54,868 SH   SOLE   50,551 0 4,317
ABBVIE INC COM 00287Y109 2,891 32,536 SH   SOLE   28,791 0 3,745
SPDR SERIES TR REGL BANK ETF 78464A698 2,763 48,678 SH   SOLE   41,480 0 7,198
ISHARES INC SMCI EMKT ETF 46434G103 2,649 49,044 SH   SOLE   47,274 0 1,770
UNITEDHEALTH GROUP INC COM 91324P102 2,517 12,851 SH   SOLE   12,348 0 503
ISHARES TR IBOXX INV CP ETF 464287242 2,386 19,685 SH   SOLE   19,674 0 11
MICROSOFT CORP COM 594918104 2,302 30,891 SH   SOLE   27,996 0 2,895
CHEVRON CORP NEW COM 166764100 2,088 17,774 SH   SOLE   16,699 0 1,075
AMAZON COM INC COM 023135106 2,048 2,130 SH   SOLE   1,914 0 216
CONSOLIDATED EDISON INC COM 209115104 1,824 22,617 SH   SOLE   22,339 0 278
ISHARES TR 1-3 YR TSY ETF 464287457 1,751 20,742 SH   SOLE   20,740 0 2
RAYTHEON CO COM 755111507 1,750 9,381 SH   SOLE   8,371 0 1,010
JOHNSON & JOHNSON COM 478160104 1,719 13,220 SH   SOLE   13,220 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,651 33,348 SH   SOLE   31,648 0 1,700
ALPHABET INC COM 02079K305 1,621 1,665 SH   SOLE   1,435 0 230
VANGUARD BD INDEX FD INC ETF 921937835 1,572 19,175 SH   SOLE   18,516 0 659
ISHARES TR IBOXX HI YD ETF 464288513 1,440 16,216 SH   SOLE   16,177 0 39
ISHARES TR CORE US AGG BD ETF 464287226 1,314 11,991 SH   SOLE   11,851 0 140
ISHARES TR CORE MSCI EAFE ETF 46432F842 1,269 19,786 SH   SOLE   19,072 0 714
WENDYS CO COM 95058W100 1,260 81,111 SH   SOLE   77,920 0 3,191
GENERAL ELECTRIC CO COM 369604103 1,242 51,372 SH   SOLE   51,372 0 0
PROCTER AND GAMBLE CO COM 742718109 1,112 12,217 SH   SOLE   12,217 0 0
VANGUARD INDEX FDS MCAP VL ETF 922908512 1,085 10,275 SH   SOLE   9,399 0 876
PHILIP MORRIS INTL INC COM 718172109 1,069 9,627 SH   SOLE   9,606 0 21
BUCKEYE PARTNERS L P COM 118230101 895 15,693 SH   SOLE   14,753 0 940
SPDR SERIES TR BLOOMBERG BRC ETF 78464A417 891 23,893 SH   SOLE   23,775 0 118
VANGUARD INDEX TOTAL STK MKT ETF 922908769 839 6,473 SH   SOLE   6,313 0 160
ISHARES TR NASDAQ BIOTECH ETF 464287556 830 2,487 SH   SOLE   1,787 0 700
GOLDMAN SACHS GROUP INC COM 38141G104 799 3,369 SH   SOLE   3,124 0 245
ALLERGAN PLC COM G0177J108 790 3,857 SH   SOLE   3,143 0 714
ISHARES TR TIPS BD ETF 464287176 787 6,926 SH   SOLE   6,868 0 58
INTEL CORP COM 458140100 770 20,215 SH   SOLE   20,138 0 77
ISHARES INC MSCI MEX CAP ETF 464286822 767 14,051 SH   SOLE   13,151 0 900
UNION PAC CORP COM 907818108 766 6,606 SH   SOLE   6,606 0 0
MORGAN STANLEY COM 617446448 666 13,828 SH   SOLE   13,725 0 103
INTERNATIONAL BUSINESS MACHS COM 459200101 659 4,540 SH   SOLE   4,540 0 0
M & T BK CORP COM 55261F104 652 4,048 SH   SOLE   4,048 0 0
BLACKSTONE GROUP L P COM 09253U108 650 19,479 SH   SOLE   18,179 0 1,300
GENERAL MLS INC COM 370334104 649 12,534 SH   SOLE   12,534 0 0
ISHARES TR BARCLAY 7-10 YR COM 464287440 575 5,402 SH   SOLE   5,402 0 0
INGREDION INC COM 457187102 570 4,725 SH   SOLE   4,725 0 0
UNITED PARCEL SERVICE INC COM 911312106 558 4,646 SH   SOLE   4,646 0 0
DOWDUPONT INC COM 26078J100 550 7,953 SH   SOLE   7,953 0 0
CIGNA CORPORATION COM 125509109 542 2,900 SH   SOLE   2,900 0 0
APPLIED OPTOELECTRONICS INC COM 03823U102 517 8,000 SH   SOLE   8,000 0 0
CATERPILLAR INC DEL COM 149123101 500 4,012 SH   SOLE   3,512 0 500
ABBOTT LABS COM 002824100 499 9,355 SH   SOLE   9,355 0 0
ISHARES INC MSCI HONG KG ETF 464286871 489 19,800 SH   SOLE   19,800 0 0
PFIZER INC COM 717081103 482 13,509 SH   SOLE   13,509 0 0
BOEING CO COM 097023105 476 1,873 SH   SOLE   1,873 0 0
NEUBERGER BERMAN NY INT MUN COM 64124K102 467 36,908 SH   SOLE   34,208 0 2,700
SPDR INDEX SHS FDS CHINA ETF 78463X400 451 4,400 SH   SOLE   4,400 0 0
MERCK & CO INC COM 58933Y105 443 6,915 SH   SOLE   6,915 0 0
GLAXOSMITHKLINE PLC COM 37733W105 442 10,890 SH   SOLE   10,660 0 230
VANGUARD INDEX FDS MID CAP ETF 922908629 435 2,962 SH   SOLE   2,868 0 94
EATON VANCE TAX MNGED BUY WR COM 27828X100 414 24,705 SH   SOLE   24,705 0 0
LOEWS CORP COM 540424108 408 8,519 SH   SOLE   8,519 0 0
COCA COLA CO COM 191216100 403 8,962 SH   SOLE   8,862 0 100
WELLS FARGO CO NEW COM 949746101 402 7,282 SH   SOLE   7,282 0 0
MASTERCARD INCORPORATED COM 57636Q104 396 2,807 SH   SOLE   2,807 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 382 5,988 SH   SOLE   5,988 0 0
QIAGEN NV COM N72482123 376 11,947 SH   SOLE   11,947 0 0
ISHARES TR 20 YR BOND ETF ETF 464287432 368 2,953 SH   SOLE   2,943 0 10
SPDR SERIES TRUST DIVID ETF ETF 78464A763 362 3,959 SH   SOLE   3,959 0 0
UNITED TECHNOLOGIES CORP COM 913017109 361 3,106 SH   SOLE   3,106 0 0
ISHARES TR CHINA LG CPA ETF 464287184 346 7,850 SH   SOLE   7,850 0 0
AMERICAN STS WTR CO COM 029899101 345 7,000 SH   SOLE   7,000 0 0
ISHARES TR US PFD STK ETF 464288687 340 8,758 SH   SOLE   8,671 0 87
NIKE INC COM 654106103 339 6,540 SH   SOLE   5,540 0 1,000
COMCAST CORP NEW COM 20030N101 326 8,462 SH   SOLE   8,462 0 0
HONEYWELL INTL INC COM 438516106 326 2,303 SH   SOLE   2,303 0 0
PAYPAL HLDGS INC COM 70450Y103 322 5,030 SH   SOLE   3,680 0 1,350
KEYCORP NEW COM 493267108 314 16,710 SH   SOLE   16,710 0 0
POWERSHARES ETF TR II PFD PORT ETF 73936T565 313 20,839 SH   SOLE   20,839 0 0
PIMCO ETF TR MINT ETF 72201R833 311 3,052 SH   SOLE   3,052 0 0
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 309 13,573 SH   SOLE   13,573 0 0
TELUS CORP COM 87971M103 277 7,694 SH   SOLE   7,694 0 0
UNITIL CORP COM 913259107 274 5,534 SH   SOLE   5,534 0 0
MGE ENERGY INC COM 55277P104 271 4,200 SH   SOLE   4,200 0 0
WASTE MGMT INC DEL COM 94106L109 262 3,345 SH   SOLE   3,345 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 259 1,815 SH   SOLE   1,815 0 0
EATON CORP PLC SHS G29183103 258 3,354 SH   SOLE   3,354 0 0
AMGEN INC COM 031162100 254 1,361 SH   SOLE   1,361 0 0
SPDR SERIES TR BLMBRG BRC CNVRT ETF 78464A359 252 4,932 SH   SOLE   4,932 0 0
ISHARES TR RUSSELL 1000 Growth ETF 464287614 251 2,010 SH   SOLE   2,010 0 0
ALPS ETF TR SECT DIV DOGS ETF 00162Q858 246 5,583 SH   SOLE   5,583 0 0
VANGUARD INTL EQUITY INDEX F ETF 922042858 242 5,566 SH   SOLE   5,409 0 157
FIDELITY MSCI ENERGY IDX ETF 316092402 234 12,369 SH   SOLE   12,211 0 158
LILLY ELI & CO COM 532457108 233 2,725 SH   SOLE   2,025 0 700
DISNEY WALT CO COM 254687106 228 2,309 SH   SOLE   2,309 0 0
PAYCHEX INC COM 704326107 227 3,793 SH   SOLE   3,793 0 0
3M CO COM 88579Y101 225 1,072 SH   SOLE   1,072 0 0
AMERICAN ELEC PWR INC COM 025537101 221 3,153 SH   SOLE   3,153 0 0
PPL CORP COM 69351T106 217 5,727 SH   SOLE   5,727 0 0
PROSHARES TR ULT SCAP 600 ETF 74347R818 214 2,300 SH   SOLE   2,000 0 300
BLACKROCK NY MUNI INC QLTY T COM 09249U105 212 15,850 SH   SOLE   10,600 0 5,250
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 209 1,947 SH   SOLE   1,947 0 0
HCP INC COM 40414L109 207 7,440 SH   SOLE   7,395 0 45
PRUDENTIAL FINL INC COM 744320102 207 1,945 SH   SOLE   1,745 0 200
LAZARD LTD COM G54050102 205 4,534 SH   SOLE   3,034 0 1,500
TRUSTCO BK CORP N Y COM 898349105 204 22,949 SH   SOLE   22,949 0 0
FORD MTR CO DEL COM 345370860 150 12,559 SH   SOLE   12,559 0 0
NUVEEN REAL ESTATE INCOME FD COM 67071B108 145 13,027 SH   SOLE   13,027 0 0