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
SPDR S&P 500 ETF TR TR UNIT 78462F103 27,012 102,646 SH   SOLE   96,723 0 5,923
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 22,582 66,083 SH   SOLE   61,734 0 4,349
ISHARES TR CORE S&P500 ETF 464287200 21,346 80,439 SH   SOLE   78,659 0 1,780
ISHARES TR CORE S&P SCP ETF 464287804 17,324 224,960 SH   SOLE   210,364 0 14,596
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 16,835 105,131 SH   SOLE   98,133 0 6,998
VISA INC COM CL A 92826C839 12,908 107,909 SH   SOLE   101,524 0 6,385
ISHARES TR S&P MC 400VL ETF 464287705 8,874 57,440 SH   SOLE   53,824 0 3,616
MCDONALDS CORP COM 580135101 6,699 42,842 SH   SOLE   40,674 0 2,168
JPMORGAN CHASE & CO COM 46625H100 6,397 58,173 SH   SOLE   54,614 0 3,559
APPLE INC COM 037833100 6,202 36,964 SH   SOLE   34,023 0 2,941
LOCKHEED MARTIN CORP COM 539830109 5,993 17,735 SH   SOLE   16,643 0 1,092
BOEING CO COM 097023105 5,386 16,425 SH   SOLE   15,085 0 1,340
ISHARES TR S&P MC 400GR ETF 464287606 5,383 24,657 SH   SOLE   21,945 0 2,712
POWERSHARES ETF TR II VAR RATE PFD POR 73937B597 5,077 201,709 SH   SOLE   199,562 0 2,147
PEPSICO INC COM 713448108 4,910 44,981 SH   SOLE   42,277 0 2,704
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 4,721 19,555 SH   SOLE   17,396 0 2,159
ISHARES TR CORE S&P MCP ETF 464287507 4,559 24,308 SH   SOLE   23,075 0 1,233
ALTRIA GROUP INC COM 02209S103 4,508 72,348 SH   SOLE   68,617 0 3,731
ALPHABET INC CAP STK CL C 02079K107 4,067 3,942 SH   SOLE   3,780 0 162
FIDELITY MSCI INFO TECH I 316092808 3,796 73,191 SH   SOLE   69,372 0 3,819
ISHARES TR CORE S&P TTL STK 464287150 3,650 60,375 SH   SOLE   56,162 0 4,213
AMAZON COM INC COM 023135106 3,566 2,464 SH   SOLE   2,248 0 216
ABBVIE INC COM 00287Y109 3,297 34,832 SH   SOLE   31,265 0 3,567
ISHARES INC CORE MSCI EMKT 46434G103 3,151 53,942 SH   SOLE   52,289 0 1,653
MICROSOFT CORP COM 594918104 2,995 32,816 SH   SOLE   29,846 0 2,970
UNITEDHEALTH GROUP INC COM 91324P102 2,840 13,275 SH   SOLE   12,772 0 503
SPDR SERIES TRUST S&P REGL BKG 78464A698 2,797 46,319 SH   SOLE   39,800 0 6,519
ISHARES TR IBOXX INV CP ETF 464287242 2,521 21,468 SH   SOLE   21,453 0 15
CHEVRON CORP NEW COM 166764100 2,344 20,559 SH   SOLE   19,484 0 1,075
EXXON MOBIL CORP COM 30231G102 2,202 29,518 SH   SOLE   27,868 0 1,650
RAYTHEON CO COM NEW 755111507 2,057 9,533 SH   SOLE   8,632 0 901
ISHARES TR 1 3 YR TREAS BD 464287457 2,040 24,417 SH   SOLE   24,413 0 4
VERIZON COMMUNICATIONS INC COM 92343V104 1,956 40,909 SH   SOLE   39,209 0 1,700
CONSOLIDATED EDISON INC COM 209115104 1,942 24,913 SH   SOLE   24,635 0 278
JOHNSON & JOHNSON COM 478160104 1,883 14,693 SH   SOLE   14,693 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,762 20,581 SH   SOLE   20,536 0 45
ISHARES TR CORE MSCI EAFE 46432F842 1,682 25,538 SH   SOLE   24,723 0 815
ALPHABET INC CAP STK CL A 02079K305 1,664 1,604 SH   SOLE   1,398 0 206
ISHARES TR CORE US AGGBD ET 464287226 1,635 15,247 SH   SOLE   15,093 0 154
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,603 20,051 SH   SOLE   19,392 0 659
AT&T INC COM 00206R102 1,509 42,318 SH   SOLE   42,201 0 117
WENDYS CO COM 95058W100 1,343 76,567 SH   SOLE   73,376 0 3,191
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,224 11,190 SH   SOLE   10,314 0 876
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,203 8,863 SH   SOLE   7,723 0 1,140
INTEL CORP COM 458140100 1,035 19,864 SH   SOLE   19,807 0 57
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 959 26,728 SH   SOLE   26,610 0 118
PROCTER AND GAMBLE CO COM 742718109 953 12,024 SH   SOLE   12,024 0 0
UNION PAC CORP COM 907818108 893 6,640 SH   SOLE   6,640 0 0
ISHARES TR NASDAQ BIOTECH 464287556 797 7,463 SH   SOLE   5,363 0 2,100
ISHARES TR TIPS BD ETF 464287176 785 6,950 SH   SOLE   6,890 0 60
M & T BK CORP COM 55261F104 754 4,092 SH   SOLE   4,092 0 0
ISHARES INC MSCI MEXICO ETF 464286822 724 14,051 SH   SOLE   13,151 0 900
MORGAN STANLEY COM NEW 617446448 691 12,800 SH   SOLE   12,697 0 103
PHILIP MORRIS INTL INC COM 718172109 687 6,911 SH   SOLE   6,890 0 21
ISHARES TR BARCLAYS 7 10 YR 464287440 666 6,453 SH   SOLE   6,453 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 634 2,518 SH   SOLE   2,273 0 245
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 623 19,491 SH   SOLE   18,191 0 1,300
INGREDION INC COM 457187102 609 4,725 SH   SOLE   4,725 0 0
GENERAL MLS INC COM 370334104 573 12,714 SH   SOLE   12,714 0 0
CATERPILLAR INC DEL COM 149123101 565 3,833 SH   SOLE   3,333 0 500
ABBOTT LABS COM 002824100 564 9,415 SH   SOLE   9,415 0 0
PFIZER INC COM 717081103 556 15,657 SH   SOLE   15,657 0 0
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 553 14,788 SH   SOLE   13,848 0 940
MASTERCARD INCORPORATED CL A 57636Q104 524 2,992 SH   SOLE   2,992 0 0
ISHARES INC MSCI HONG KG ETF 464286871 510 20,150 SH   SOLE   20,150 0 0
DOWDUPONT INC COM 26078J100 510 7,999 SH   SOLE   7,999 0 0
HONEYWELL INTL INC COM 438516106 506 3,503 SH   SOLE   3,503 0 0
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 487 4,400 SH   SOLE   4,400 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 483 4,755 SH   SOLE   4,755 0 0
UNITED PARCEL SERVICE INC CL B 911312106 475 4,539 SH   SOLE   4,539 0 0
PAYPAL HLDGS INC COM 70450Y103 472 6,220 SH   SOLE   4,870 0 1,350
VANGUARD INDEX FDS MID CAP ETF 922908629 461 2,990 SH   SOLE   2,896 0 94
CIGNA CORPORATION COM 125509109 455 2,710 SH   SOLE   2,710 0 0
LOEWS CORP COM 540424108 436 8,769 SH   SOLE   8,769 0 0
ISHARES TR 20 YR TR BD ETF 464287432 404 3,313 SH   SOLE   3,303 0 10
BRISTOL MYERS SQUIBB CO COM 110122108 389 6,143 SH   SOLE   6,143 0 0
POWERSHARES ETF TR II PFD PORTFOLIO 73936T565 388 26,606 SH   SOLE   26,606 0 0
UNITED TECHNOLOGIES CORP COM 913017109 385 3,063 SH   SOLE   3,063 0 0
COCA COLA CO COM 191216100 385 8,871 SH   SOLE   8,771 0 100
INTERNATIONAL BUSINESS MACHS COM 459200101 381 2,483 SH   SOLE   2,483 0 0
MERCK & CO INC COM 58933Y105 378 6,933 SH   SOLE   6,933 0 0
AMERICAN STS WTR CO COM 029899101 371 7,000 SH   SOLE   7,000 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 371 7,850 SH   SOLE   7,850 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 370 4,059 SH   SOLE   4,059 0 0
NEUBERGER BERMAN NY INT MUN COM 64124K102 364 31,340 SH   SOLE   31,340 0 0
GENERAL ELECTRIC CO COM 369604103 360 26,722 SH   SOLE   26,722 0 0
ISHARES TR S&P US PFD STK 464288687 359 9,566 SH   SOLE   9,469 0 97
BLUE BUFFALO PET PRODS INC COM 09531U102 358 9,000 SH   SOLE   6,000 0 3,000
EATON VANCE TAX MNGED BUY WR COM 27828X100 357 22,916 SH   SOLE   22,916 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 356 1,940 SH   SOLE   1,375 0 565
WELLS FARGO CO NEW COM 949746101 342 6,525 SH   SOLE   6,525 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 317 2,844 SH   SOLE   2,844 0 0
KEYCORP NEW COM 493267108 316 16,145 SH   SOLE   16,145 0 0
FACEBOOK INC CL A 30303M102 315 1,972 SH   SOLE   1,972 0 0
ALLERGAN PLC SHS G0177J108 309 1,839 SH   SOLE   1,654 0 185
WALMART INC COM 931142103 306 3,444 SH   SOLE   3,444 0 0
CITIGROUP INC COM NEW 172967424 302 4,467 SH   SOLE   4,467 0 0
GUGGENHEIM TAXABLE MUN MNGD COM 401664107 297 13,823 SH   SOLE   13,823 0 0
WASTE MGMT INC DEL COM 94106L109 285 3,387 SH   SOLE   3,387 0 0
COMCAST CORP NEW CL A 20030N101 277 8,118 SH   SOLE   8,118 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 274 2,010 SH   SOLE   2,010 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 274 1,927 SH   SOLE   1,782 0 145
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 272 5,777 SH   SOLE   5,510 0 267
TELUS CORP COM 87971M103 271 7,694 SH   SOLE   7,694 0 0
EATON CORP PLC SHS G29183103 268 3,354 SH   SOLE   3,354 0 0
BLACKROCK INC COM 09247X101 257 475 SH   SOLE   475 0 0
NVIDIA CORP COM 67066G104 256 1,106 SH   SOLE   1,106 0 0
ALPS ETF TR SECTR DIV DOGS 00162Q858 248 5,683 SH   SOLE   5,683 0 0
UNITIL CORP COM 913259107 248 5,353 SH   SOLE   5,353 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 248 1,815 SH   SOLE   1,815 0 0
LAZARD LTD SHS A G54050102 237 4,500 SH   SOLE   3,000 0 1,500
MGE ENERGY INC COM 55277P104 236 4,200 SH   SOLE   4,200 0 0
PAYCHEX INC COM 704326107 232 3,770 SH   SOLE   3,770 0 0
PROSHARES TR PSHS ULT SCAP600 74347R818 228 2,300 SH   SOLE   2,000 0 300
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 222 4,288 SH   SOLE   4,288 0 0
AMGEN INC COM 031162100 215 1,263 SH   SOLE   1,263 0 0
WEIGHT WATCHERS INTL INC NEW COM 948626106 210 3,300 SH   SOLE   3,300 0 0
HOME DEPOT INC COM 437076102 208 1,168 SH   SOLE   1,168 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 206 5,279 SH   SOLE   5,279 0 0
3M CO COM 88579Y101 206 937 SH   SOLE   937 0 0
LILLY ELI & CO COM 532457108 205 2,650 SH   SOLE   1,950 0 700
DUKE ENERGY CORP NEW COM NEW 26441C204 204 2,627 SH   SOLE   2,627 0 0
AMERICAN ELEC PWR INC COM 025537101 200 2,919 SH   SOLE   2,919 0 0
PNC FINL SVCS GROUP INC COM 693475105 200 1,324 SH   SOLE   1,324 0 0
TRUSTCO BK CORP N Y COM 898349105 196 23,175 SH   SOLE   23,175 0 0
HUNTINGTON BANCSHARES INC COM 446150104 189 12,549 SH   SOLE   8,366 0 4,183
NUVEEN NEW YORK AMT QLT MUNI COM 670656107 161 13,252 SH   SOLE   13,252 0 0
PANDORA MEDIA INC COM 698354107 138 27,500 SH   SOLE   27,500 0 0