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 IVV CORE S&P500 ETF 464287200 26,126 103,837 SH   SOLE   101,780 0 2,057
SPDR S&P 500 ETF TR SPY TR UNIT 78462F103 25,034 100,168 SH   SOLE   94,248 0 5,920
SPDR S&P MIDCAP 400 ETF TR MDY UTSER1 S&PDCRP 78467Y107 18,673 61,694 SH   SOLE   57,723 0 3,971
ISHARES TR IJR CORE S&P SCP ETF 464287804 16,439 237,137 SH   SOLE   221,970 0 15,167
INVESCO QQQ TR UNIT SER 1 46090E103 15,198 98,527 SH   SOLE   91,529 0 6,998
VISA INC COM CL A 92826C839 12,719 96,398 SH   SOLE   90,401 0 5,997
MICROSOFT CORP COM 594918104 7,852 77,313 SH   SOLE   73,756 0 3,557
ISHARES TR IJJ S&P MC 400VL ETF 464287705 7,698 55,650 SH   SOLE   51,993 0 3,657
MCDONALDS CORP COM 580135101 7,598 42,787 SH   SOLE   40,568 0 2,219
AMAZON COM INC COM 023135106 7,231 4,814 SH   SOLE   4,554 0 260
APPLE INC COM 037833100 6,705 42,504 SH   SOLE   38,982 0 3,522
BOEING CO COM 097023105 5,883 18,243 SH   SOLE   16,813 0 1,430
JPMORGAN CHASE & CO COM 46625H100 5,798 59,392 SH   SOLE   56,833 0 2,559
ISHARES TR IJH CORE S&P MCP ETF 464287507 5,684 34,228 SH   SOLE   32,846 0 1,382
UNITEDHEALTH GROUP INC COM 91324P102 5,173 20,767 SH   SOLE   19,463 0 1,304
FIDELITY FTEC MSCI INFO TECH I 316092808 5,070 102,954 SH   SOLE   98,603 0 4,351
LOCKHEED MARTIN CORP COM 539830109 4,834 18,459 SH   SOLE   17,367 0 1,092
ISHARES TR IJK S&P MC 400GR ETF 464287606 4,842 25,323 SH   SOLE   22,698 0 2,625
SPDR DOW JONES INDL AVRG DIA UT SER 1 78467X109 4,718 20,229 SH   SOLE   18,021 0 2,208
ALPHABET INC CAP STK CL C 02079K107 4,070 3,930 SH   SOLE   3,768 0 162
ISHARES TR ITOT CORE S&P TTL STK 464287150 3,760 66,240 SH   SOLE   61,928 0 4,312
SALESFORCE COM INC COM 79466L302 3,797 27,723 SH   SOLE   25,665 0 2,058
ISHARES TR LQD IBOXX INV CP ETF 464287242 2,530 22,419 SH   SOLE   22,404 0 15
ISHARES INC IEMG CORE MSCI EMKT 46434G103 2,494 52,902 SH   SOLE   51,152 0 1,750
ISHARES TR SHY 1 3 YR TREAS BD 464287457 2,463 29,454 SH   SOLE   29,426 0 28
PEPSICO INC COM 713448108 2,443 22,115 SH   SOLE   20,691 0 1,424
MASTERCARD INCORPORATED CL A 57636Q104 2,479 13,142 SH   SOLE   12,125 0 1,017
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 2,380 104,305 SH   SOLE   102,158 0 2,147
CHEVRON CORP NEW COM 166764100 2,200 20,221 SH   SOLE   19,146 0 1,075
VERIZON COMMUNICATIONS INC COM 92343V104 2,150 38,246 SH   SOLE   36,546 0 1,700
EXXON MOBIL CORP COM 30231G102 1,985 29,107 SH   SOLE   27,457 0 1,650
CONSOLIDATED EDISON INC COM 209115104 1,947 25,468 SH   SOLE   25,190 0 278
SPDR SERIES TRUST VRP S&P REGL BKG 78464A698 1,801 38,495 SH   SOLE   32,193 0 6,302
JOHNSON & JOHNSON COM 478160104 1,671 12,951 SH   SOLE   12,951 0 0
ALPHABET INC CAP STK CL A 02079K305 1,701 1,628 SH   SOLE   1,422 0 206
ISHARES TR AGG CORE US AGGBD ET 464287226 1,497 14,056 SH   SOLE   13,902 0 154
RAYTHEON CO COM NEW 755111507 1,421 9,266 SH   SOLE   8,453 0 813
PIMCO ETF TR MINT ENHAN SHRT MA AC 72201R833 1,401 13,878 SH   SOLE   13,878 0 0
ISHARES TR IEFA CORE MSCI EAFE 46432F842 1,334 24,244 SH   SOLE   23,213 0 1,031
VANGUARD BND INDEX FD INC TOTAL BND MRKT 921937835 1,139 14,377 SH   SOLE   13,718 0 659
VANGUARD INDEX FDS VTI TOTAL STK MKT 922908769 1,100 8,621 SH   SOLE   7,481 0 1,140
WENDYS CO COM 95058W100 1,063 68,148 SH   SOLE   64,957 0 3,191
VANGUARD INDEX FDS VOE MCAP VL IDXVIP 922908512 1,015 10,650 SH   SOLE   10,274 0 376
AT&T INC COM 00206R102 1,009 35,354 SH   SOLE   35,354 0 0
MERCK & CO INC COM 58933Y105 985 12,891 SH   SOLE   12,891 0 0
SANOFI SPONSORED ADR 80105N105 981 22,600 SH   SOLE   22,600 0 0
PROCTER AND GAMBLE CO COM 742718109 978 10,638 SH   SOLE   10,638 0 0
UNION PAC CORP COM 907818108 928 6,711 SH   SOLE   6,711 0 0
GILEAD SCIENCES INC COM 375558103 889 14,211 SH   SOLE   13,911 0 300
CIGNA CORP NEW COM 125523100 851 4,482 SH   SOLE   4,482 0 0
ALLERGAN PLC SHS G0177J108 819 6,128 SH   SOLE   5,943 0 185
ISHARES TR IBB NASDAQ BIOTECH 464287556 710 7,360 SH   SOLE   7,360 0 0
ABBOTT LABS COM 002824100 699 9,663 SH   SOLE   9,663 0 0
ISHARES TR IEF BARCLAYS 7 10 YR 464287440 664 6,369 SH   SOLE   6,354 0 15
ISHARES TRT TIPS TIPS BD ETF 464287176 658 6,012 SH   SOLE   5,952 0 60
MARATHON PETE CORP COM 56585A102 657 11,127 SH   SOLE   11,127 0 0
NETFLIX INC COM 64110L106 654 2,441 SH   SOLE   2,441 0 0
PFIZER INC COM 717081103 628 14,387 SH   SOLE   14,387 0 0
PAYPAL HLDGS INC COM 70450Y103 640 7,606 SH   SOLE   7,306 0 300
ALTRIA GROUP INC COM 02209S103 585 11,849 SH   SOLE   11,849 0 0
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 525 17,606 SH   SOLE   16,306 0 1,300
CATERPILLAR INC DEL COM 149123101 523 4,112 SH   SOLE   3,612 0 500
BRISTOL MYERS SQUIBB CO COM 110122108 518 9,969 SH   SOLE   9,969 0 0
GENERAL MLS INC COM 370334104 488 12,534 SH   SOLE   12,534 0 0
AMERICAN STS WTR CO COM 029899101 469 7,000 SH   SOLE   7,000 0 0
M & T BK CORP COM 55261F104 427 2,982 SH   SOLE   2,982 0 0
UNITED PARCEL SERVICE INC CL B 911312106 440 4,514 SH   SOLE   4,514 0 0
ISHARES INC EWH MSCI HONG KG ETF 464286871 437 19,350 SH   SOLE   19,350 0 0
INGREDION INC COM 457187102 432 4,725 SH   SOLE   4,725 0 0
ISHARES TR PFF S&P US PFD STK 464288687 426 12,447 SH   SOLE   12,340 0 107
HONEYWELL INTL INC COM 438516106 426 3,228 SH   SOLE   3,228 0 0
COCA COLA CO COM 191216100 424 8,965 SH   SOLE   8,865 0 100
MORGAN STANLEY COM NEW 617446448 424 10,702 SH   SOLE   10,599 0 103
DOWDUPONT INC COM 26078J100 419 7,839 SH   SOLE   7,839 0 0
ATHENAHEALTH INC COM 04685W103 396 3,000 SH   SOLE   3,000 0 0
ARROW FINL CORP COM 042744102 384 11,985 SH   SOLE   11,985 0 0
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 373 4,400 SH   SOLE   4,400 0 0
MYLAN N V SHS EURO N59465109 350 12,763 SH   SOLE   12,763 0 0
LOEWS CORP COM 540424108 349 7,669 SH   SOLE   7,669 0 0
SPDR SERIES TRUST SDY S&P DIVID ETF 78464A763 340 3,803 SH   SOLE   3,803 0 0
WALMART INC COM 931142103 339 3,641 SH   SOLE   3,641 0 0
AMGEN INC COM 031162100 334 1,714 SH   SOLE   1,714 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 325 2,352 SH   SOLE   2,258 0 94
UNITIL CORP COM 913259107 323 6,369 SH   SOLE   6,369 0 0
NEUBERGER BRMAN NY MUNI FD I COM 64124K102 317 28,490 SH   SOLE   28,490 0 0
LILLY ELI & CO COM 532457108 307 2,650 SH   SOLE   1,950 0 700
WASTE MGMT INC DEL COM 94106L109 302 3,390 SH   SOLE   3,390 0 0
EATON VANCE TAX MNGED BUY WR COM 27828X100 291 21,606 SH   SOLE   21,606 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 288 2,531 SH   SOLE   2,531 0 0
UNITED TECHNOLOGIES CORP COM 913017109 283 2,654 SH   SOLE   2,654 0 0
INTEL CORP COM 458140100 282 6,009 SH   SOLE   5,952 0 57
VANGUARD INDEX FDS VXF EXTEND MKT ETF 922908652 280 2,804 SH   SOLE   2,804 0 0
COMCAST CORP NEW CL A 20030N101 278 8,172 SH   SOLE   8,172 0 0
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 278 11,157 SH   SOLE   11,157 0 0
ISHARES TR HYG IBOXX HI YD ETF 464288513 277 3,410 SH   SOLE   3,410 0 0
TESLA INC COM 88160R101 275 825 SH   SOLE   825 0 0
RADIUS HEALTH INC COM NEW 750469207 272 16,500 SH   SOLE   16,500 0 0
ISHARES TR TLT 20 YR TR BD ETF 464287432 263 2,166 SH   SOLE   2,153 0 13
VANGUARD INDEX FDS GROWTH ETF 922908736 259 1,932 SH   SOLE   1,787 0 145
TELUS CORP COM 87971M103 255 7,694 SH   SOLE   7,694 0 0
MGE ENERGY INC COM 55277P104 252 4,200 SH   SOLE   4,200 0 0
CVS HEALTH CORP COM 126650100 251 3,830 SH   SOLE   3,830 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 251 25,000 SH   SOLE   25,000 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 251 6,420 SH   SOLE   6,420 0 0
ANAPTYSBIO INC COM 032724106 249 3,900 SH   SOLE   3,900 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 245 1,869 SH   SOLE   1,869 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 244 1,815 SH   SOLE   1,815 0 0
PPL CORP COM 69351T106 237 8,378 SH   SOLE   8,378 0 0
EATON CORP PLC SHS G29183103 230 3,354 SH   SOLE   3,354 0 0
FACEBOOK INC CL A 30303M102 270 2,057 SH   SOLE   2,057 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 226 2,616 SH   SOLE   2,616 0 0
PAYCHEX INC COM 704326107 222 3,408 SH   SOLE   3,408 0 0
ALPS ETF TR SECTR DIV DOGS 00162Q858 222 5,683 SH   SOLE   5,683 0 0
KEYCORP NEW COM 493267108 220 14,857 SH   SOLE   14,857 0 0
COSTCO WHSL CORP NEW COM 22160K105 219 1,077 SH   SOLE   987 0 90
TJX COS INC NEW COM 872540109 211 4,721 SH   SOLE   4,721 0 0
NEVRO CORP COM 64157F103 210 5,400 SH   SOLE   5,400 0 0
CISCO SYS INC COM 17275R102 209 4,830 SH   SOLE   4,830 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 195 29,000 SH   SOLE   29,000 0 0
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 158 11,739 SH   SOLE   11,739 0 0
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 154 13,252 SH   SOLE   13,252 0 0
HUNTINGTON BANCSHARES INC COM 446150104 150 12,549 SH   SOLE   8,366 0 4,183
TG THERAPEUTICS INC COM 88322Q108 146 35,600 SH   SOLE   35,600 0 0
GENERAL ELECTRIC CO COM 369604103 144 19,108 SH   SOLE   19,108 0 0
TRUSTCO BK CORP N Y COM 898349105 127 18,469 SH   SOLE   18,469 0 0
FOAMIX PHARMACEUTICALS LTD SHS M46135105 122 34,000 SH   SOLE   34,000 0 0
PARATEK PHARMACEUTICALS INC COM 699374302 51 10,000 SH   SOLE   10,000 0 0
CONFORMIS INC COM 20717E101 11 30,400 SH   SOLE   30,400 0 0