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 46,694 130,194 SH   SOLE   124,344 0 5,850
INVESCO QQQ TR UNIT SER 1 46090E103 32,086 120,055 SH   SOLE   114,920 0 5,135
MICROSOFT CORP COM 594918104 19,494 83,702 SH   SOLE   78,427 0 5,275
SPDR S&P 500 ETF TR SPY TR UNIT 78462F103 17,779 49,777 SH   SOLE   48,344 0 1,433
ISHARES TR IJH CORE S&P MCP ETF 464287507 17,173 78,321 SH   SOLE   74,871 0 3,450
APPLE INC COM 037833100 16,622 120,275 SH   SOLE   115,036 0 5,239
UNITEDHEALTH GROUP INC COM 91324P102 13,831 27,386 SH   SOLE   26,563 0 823
ISHARES TR IJR CORE S&P SCP ETF 464287804 13,670 156,779 SH   SOLE   149,525 0 7,254
VISA INC COM CL A 92826C839 12,412 69,869 SH   SOLE   66,763 0 3,106
MCDONALDS CORP COM 580135101 10,740 46,547 SH   SOLE   43,845 0 2,702
FIDELITY COVINGTON TR FTEC MSCI INFO TECH I 316092808 9,212 101,313 SH   SOLE   94,977 0 6,336
ISHARES TR IBB ISHARES BIOTECH 464287556 8,787 75,128 SH   SOLE   71,478 0 3,650
JOHNSON & JOHNSON COM 478160104 8,471 51,855 SH   SOLE   49,545 0 2,310
JPMORGAN CHASE & CO COM 46625H100 8,149 77,982 SH   SOLE   73,907 0 4,075
ISHARES TR ITOT CORE S&P TTL STK 464287150 7,635 95,993 SH   SOLE   88,447 0 7,546
LOCKHEED MARTIN CORP COM 539830109 6,895 17,849 SH   SOLE   17,071 0 778
ISHARES TR IEFA CORE MSCI EAFE 46432F842 6,263 118,905 SH   SOLE   112,630 0 6,275
ALPHABET INC CAP STK CL A 02079K305 6,076 63,519 SH   SOLE   61,213 0 2,306
LILLY ELI & CO COM 532457108 5,926 18,328 SH   SOLE   17,348 0 980
MASTERCARD INCORPORATED CL A 57636Q104 5,190 18,254 SH   SOLE   17,061 0 1,193
COSTCO WHSL CORP NEW COM 22160K105 5,170 10,948 SH   SOLE   10,475 0 473
SPDR DOW JONES INDL AV DIA UT SER 1 78467X109 5,156 17,947 SH   SOLE   16,936 0 1,011
PEPSICO INC COM 713448108 4,807 29,446 SH   SOLE   28,492 0 954
WALMART INC COM 931142103 4,780 36,851 SH   SOLE   34,952 0 1,899
DICKS SPORTING GOODS INC COM 253393102 4,701 44,927 SH   SOLE   43,284 0 1,643
ISHARES TR IJJ S&P MC 400VL ETF 464287705 4,029 44,768 SH   SOLE   43,465 0 1,303
SELECT SECTOR SPDR TR XLE ENERGY 81369Y506 4,020 55,818 SH   SOLE   53,648 0 2,170
HOME DEPOT INC COM 437076102 3,888 14,091 SH   SOLE   13,452 0 639
ISHARES INC IEMG CORE MSCI EMKT 46434G103 3,855 89,692 SH   SOLE   84,487 0 5,205
AMAZON COM INC COM 023135106 3,594 31,803 SH   SOLE   29,833 0 1,970
PROCTER AND GAMBLE CO COM 742718109 3,170 25,110 SH   SOLE   24,279 0 831
NVIDIA CORPORATION COM 67066G104 2,914 24,008 SH   SOLE   23,180 0 828
ISHARES TR SHY 1 3 YR TREAS BD 464287457 2,761 33,999 SH   SOLE   33,468 0 531
ISHARES TR LQD IBOXX INV CP ETF 464287242 2,665 26,010 SH   SOLE   25,902 0 108
CIGNA CORP NEW COM 125523100 1,947 7,016 SH   SOLE   7,016 0 0
DOLLAR GEN CORP NEW COM 256677105 1,850 7,711 SH   SOLE   6,061 0 1,650
ISHARES TR AGG CORE US AGGBD ET 464287226 1,825 18,941 SH   SOLE   18,921 0 20
ARES COML REAL ESTATE CORP COM 04013V108 1,682 160,958 SH   SOLE   160,958 0 0
FIDELITY MERRIMACK FBND TOTAL BD ETF 316188309 1,668 37,552 SH   SOLE   36,528 0 1,024
AMGEN INC COM 031162100 1,577 6,997 SH   SOLE   6,757 0 240
BLACKSTONE INC COM 09260D107 1,573 18,796 SH   SOLE   17,105 0 1,691
SANOFI SPONSORED ADR 80105N105 1,483 39,000 SH   SOLE   39,000 0 0
ISHARES TR IJS SP SMCP600VL ETF 464287879 1,433 17,381 SH   SOLE   16,855 0 526
ISHARES TR IEF 7-10 YR TRSY BD 464287440 1,345 14,015 SH   SOLE   14,008 0 7
ISHARES TR PFF PFD AND INCM SEC 464288687 1,327 41,895 SH   SOLE   41,471 0 424
UNION PAC CORP COM 907818108 1,291 6,629 SH   SOLE   6,629 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,243 32,747 SH   SOLE   30,513 0 2,234
NOVO-NORDISK A S ADR 670100205 1,104 11,077 SH   SOLE   11,077 0 0
UNITED THERAPEUTICS CORP DEL COM 91307C102 1,047 5,000 SH   SOLE   5,000 0 0
ORACLE CORP COM 68389X105 1,033 16,910 SH   SOLE   16,910 0 0
NEVRO CORP COM 64157F103 1,025 22,000 SH   SOLE   22,000 0 0
BROADCOM INC COM 11135F101 1,023 2,303 SH   SOLE   2,303 0 0
INVESCO EXCH TRADED FD VRP VAR RATE PFD 46138G870 1,019 46,527 SH   SOLE   46,527 0 0
BLACKROCK INC COM 09247X101 992 1,803 SH   SOLE   1,695 0 108
ABBOTT LABS COM 002824100 978 10,112 SH   SOLE   10,112 0 0
VANGUARD INDEX FDS VTI TOTAL STK MKT 922908769 969 5,400 SH   SOLE   5,355 0 45
PIMCO ETF TR MINT ENHAN SHRT MA AC 72201R833 968 9,791 SH   SOLE   9,791 0 0
GENERAL MLS INC COM 370334104 960 12,534 SH   SOLE   12,534 0 0
ELEVANCE HEALTH INC COM 036752103 883 1,943 SH   SOLE   1,943 0 0
SALESFORCE INC COM 79466L302 872 6,062 SH   SOLE   5,812 0 250
VANGUARD BD INDEX FDS BND TOTAL BND MRKT 921937835 843 11,824 SH   SOLE   11,755 0 69
DISNEY WALT CO COM 254687106 775 8,217 SH   SOLE   8,178 0 39
NXP SEMICONDUCTORS N V COM N6596X109 695 4,709 SH   SOLE   4,709 0 0
PFIZER INC COM 717081103 692 15,820 SH   SOLE   15,820 0 0
MERCK & CO INC COM 58933Y105 646 7,504 SH   SOLE   7,504 0 0
TESLA INC COM 88160R101 641 2,415 SH   SOLE   2,415 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 605 5,091 SH   SOLE   5,000 0 91
DARDEN RESTAURANTS INC COM 237194105 593 4,693 SH   SOLE   4,693 0 0
WASTE MGMT INC DEL COM 94106L109 575 3,587 SH   SOLE   3,587 0 0
ISHARES TR IVE S&P 500 VAL ETF 464287408 568 4,423 SH   SOLE   4,423 0 0
COCA COLA CO COM 191216100 566 10,104 SH   SOLE   10,004 0 100
ISHARES TR FXI CHINA LG-CAP ETF 464287184 560 21,666 SH   SOLE   20,184 0 1,482
LAM RESEARCH CORP COM 512807108 549 1,500 SH   SOLE   1,500 0 0
AMER STATES WTR CO COM 029899101 546 7,000 SH   SOLE   7,000 0 0
CATERPILLAR INC COM 149123101 542 3,303 SH   SOLE   3,303 0 0
ISHARES TR TIP TIPS BD ETF 464287176 541 5,158 SH   SOLE   5,158 0 0
HONEYWELL INTL INC COM 438516106 535 3,203 SH   SOLE   3,203 0 0
EXXON MOBIL CORP COM 30231G102 522 5,980 SH   SOLE   5,503 0 477
AT&T INC COM 00206R102 501 32,645 SH   SOLE   32,645 0 0
HUMANA INC COM 444859102 485 1,000 SH   SOLE   1,000 0 0
LAUDER ESTEE COS INC CL A 518439104 475 2,199 SH   SOLE   2,199 0 0
BK OF AMERICA CORP COM 060505104 467 15,466 SH   SOLE   15,466 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 464 19,526 SH   SOLE   19,526 0 0
UNITED PARCEL SERVICE INC CL B 911312106 462 2,859 SH   SOLE   2,859 0 0
KLA CORP COM NEW 482480100 454 1,500 SH   SOLE   1,500 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 446 6,275 SH   SOLE   6,275 0 0
M & T BK CORP COM 55261F104 443 2,515 SH   SOLE   2,515 0 0
SPDR SER TR JNK BLOOMBERG HIGH Y 78468R622 411 4,681 SH   SOLE   4,608 0 73
HDFC BANK LTD SPONSORED ADS 40415F101 409 7,000 SH   SOLE   7,000 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 406 7,400 SH   SOLE   7,400 0 0
ISHARES TR TLT 20 YR TR BD ETF 464287432 398 3,882 SH   SOLE   3,862 0 20
VANGUARD INDEX FDS VUG GROWTH ETF 922908736 385 1,795 SH   SOLE   1,795 0 0
ARROW FINL CORP COM 042744102 381 13,209 SH   SOLE   12,915 0 294
ISHARES TR IWF RUS 1000 GRW ETF 464287614 380 1,808 SH   SOLE   1,808 0 0
CHEVRON CORP NEW COM 166764100 375 2,607 SH   SOLE   2,607 0 0
INGREDION INC COM 457187102 372 4,625 SH   SOLE   4,625 0 0
VANGUARD INDEX FDS VXF EXTEND MKT ETF 922908652 366 2,877 SH   SOLE   882 0 1,995
ABBVIE INC COM 00287Y109 362 2,695 SH   SOLE   2,695 0 0
NEXTERA ENERGY INC COM 65339F101 358 4,568 SH   SOLE   304 0 4,264
GOLDMAN SACHS GROUP INC COM 38141G104 352 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 351 3,778 SH   SOLE   3,709 0 69
GALAPAGOS NV SPON ADR 36315X101 341 8,000 SH   SOLE   8,000 0 0
MORGAN STANLEY COM NEW 617446448 339 4,291 SH   SOLE   4,291 0 0
TRUSTCO BK CORP N Y COM NEW 898349204 332 10,565 SH   SOLE   10,565 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 326 3,982 SH   SOLE   3,982 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 326 29,536 SH   SOLE   29,536 0 0
WENDYS CO COM 95058W100 321 17,169 SH   SOLE   17,169 0 0
LYFT INC CL A COM 55087P104 318 24,140 SH   SOLE   24,140 0 0
ENCOMPASS HEALTH CORP COM 29261A100 317 7,000 SH   SOLE   7,000 0 0
EATON CORP PLC SHS G29183103 305 2,288 SH   SOLE   2,288 0 0
SPDR SER TR SDY S&P DIVID ETF 78464A763 295 2,645 SH   SOLE   2,645 0 0
TELUS CORPORATION COM 87971M103 288 14,520 SH   SOLE   14,520 0 0
ORTHOFIX MED INC COM 68752M108 287 15,000 SH   SOLE   15,000 0 0
APPLIED MATLS INC COM 038222105 278 3,398 SH   SOLE   3,398 0 0
TJX COS INC NEW COM 872540109 276 4,446 SH   SOLE   4,446 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 273 25,000 SH   SOLE   25,000 0 0
VALERO ENERGY CORP COM 91913Y100 272 2,542 SH   SOLE   1,172 0 1,370
ISHARES TR IWD RUS 1000 VAL ETF 464287598 271 1,994 SH   SOLE   1,994 0 0
TARGET CORP COM 87612E106 266 1,790 SH   SOLE   1,790 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 259 3,773 SH   SOLE   3,773 0 0
ALTRIA GROUP INC COM 02209S103 259 6,403 SH   SOLE   6,403 0 0
SOUTHERN CO COM 842587107 252 3,709 SH   SOLE   3,709 0 0
ISHARES TR OEF S&P 100 ETF 464287101 241 1,484 SH   SOLE   1,474 0 10
GUGGENHEIM TAXABLE MUN GBAB COM 401664107 240 15,590 SH   SOLE   15,590 0 0
GLOBUS MED INC CL A 379577208 238 4,000 SH   SOLE   4,000 0 0
WD 40 CO COM 929236107 231 1,317 SH   SOLE   1,187 0 130
CISCO SYS INC COM 17275R102 231 5,782 SH   SOLE   5,782 0 0
DANAHER CORPORATION COM 235851102 230 890 SH   SOLE   890 0 0
NEUBERGER BERMAN N Y MUN NBO COM 64124K102 229 24,790 SH   SOLE   24,790 0 0
ALIGN TECHNOLOGY INC COM 016255101 225 1,085 SH   SOLE   1,085 0 0
BOEING CO COM 097023105 224 1,849 SH   SOLE   1,849 0 0
EATON VANCE TAX MNGED BUY WR COM 27828X100 213 16,152 SH   SOLE   15,134 0 1,018
CASEYS GEN STORES INC COM 147528103 213 1,050 SH   SOLE   1,050 0 0
TOLL BROTHERS INC COM 889478103 210 5,000 SH   SOLE   5,000 0 0
DOW INC COM 260557103 208 4,730 SH   SOLE   4,530 0 200
MICROSTRATEGY INC CL A NEW 594972408 207 974 SH   SOLE   974 0 0
VANGUARD INDEX FDS VTV VALUE ETF 922908744 206 1,671 SH   SOLE   1,671 0 0
SPDR SER TR CWB BBG CONV SEC ETF 78464A359 206 3,254 SH   SOLE   3,254 0 0
NIKE INC CL B 654106103 205 2,463 SH   SOLE   2,463 0 0
KEYCORP COM 493267108 191 11,893 SH   SOLE   11,893 0 0
PROTAGONIST THERAPEUTICS INC COM 74366E102 185 22,000 SH   SOLE   22,000 0 0
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869 179 10,000 SH   SOLE   10,000 0 0
ARES CAPITAL CORP COM 04010L103 179 10,584 SH   SOLE   10,584 0 0
TG THERAPEUTICS INC COM 88322Q108 141 23,800 SH   SOLE   23,800 0 0
FORD MTR CO DEL COM 345370860 128 11,411 SH   SOLE   11,411 0 0
ALAMOS GOLD INC NEW COM CL A 011532108 119 16,000 SH   SOLE   16,000 0 0
OSISKO DEVELOPMENT CORP COM NEW 68828E809 91 20,000 SH   SOLE   20,000 0 0
SKEENA RES LTD NEW COM 83056P715 47 10,000 SH   SOLE   10,000 0 0
DAKOTA GOLD CORP COM 46655E100 40 13,000 SH   SOLE   13,000 0 0
PAVMED INC COM 70387R106 17 20,000 SH   SOLE   20,000 0 0
ZYNERBA PHARMACEUTICALS INC COM 98986X109 12 16,000 SH   SOLE   16,000 0 0
CONFORMIS INC COM 20717E101 5 25,000 SH   SOLE   25,000 0 0