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
3M CO COM 88579Y101 748 4,239 SH   SOLE   4,239 0 0
ABBOTT LABS COM 002824100 651 7,495 SH   SOLE   7,495 0 0
ADVANCED MICRO DEVICES INC COM 007903107 3,190 69,560 SH   SOLE   69,560 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 6,280 29,610 SH   SOLE   29,610 0 0
ALPHABET INC CAP STK CL A 02079K305 14,712 10,984 SH   SOLE   10,984 0 0
AMARIN CORP PLC SPONS ADR NEW 023111206 1,175 54,790 SH   SOLE   54,790 0 0
AMAZON COM INC COM 023135106 2,958 1,601 SH   SOLE   1,601 0 0
AMERICAN EXPRESS CO COM 025816109 207 1,660 SH   SOLE   1,660 0 0
APPLE INC COM 037833100 22,159 75,461 SH   SOLE   75,461 0 0
ARK ETF TR INNOVATION ETF 00214Q104 365 7,285 SH   SOLE   7,285 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 227 6,766 SH   SOLE   6,766 0 0
AT&T INC COM 00206R102 3,062 78,357 SH   SOLE   78,357 0 0
BANK AMER CORP COM 060505104 8,483 240,861 SH   SOLE   240,861 0 0
BAXTER INTL INC COM 071813109 272 3,250 SH   SOLE   3,250 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,585 20,242 SH   SOLE   20,242 0 0
BOEING CO COM 097023105 2,735 8,394 SH   SOLE   8,394 0 0
BOSTON SCIENTIFIC CORP COM 101137107 2,315 51,195 SH   SOLE   51,195 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,291 20,115 SH   SOLE   20,115 0 0
CANADIAN NATL RY CO COM 136375102 494 5,460 SH   SOLE   5,460 0 0
CANOPY GROWTH CORP COM 138035100 374 17,757 SH   SOLE   17,757 0 0
CHEVRON CORP NEW COM 166764100 1,278 10,609 SH   SOLE   10,609 0 0
CISCO SYS INC COM 17275R102 5,649 117,783 SH   SOLE   117,783 0 0
CITIGROUP INC COM NEW 172967424 3,942 49,339 SH   SOLE   49,339 0 0
COCA COLA CO COM 191216100 234 4,230 SH   SOLE   4,230 0 0
COMCAST CORP NEW CL A 20030N101 299 6,643 SH   SOLE   6,643 0 0
CONOCOPHILLIPS COM 20825C104 3,674 56,504 SH   SOLE   56,504 0 0
CONSOLIDATED EDISON INC COM 209115104 243 2,688 SH   SOLE   2,688 0 0
CVS HEALTH CORP COM 126650100 1,076 14,480 SH   SOLE   14,480 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 3,828 65,454 SH   SOLE   65,454 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 2,178 12,930 SH   SOLE   12,930 0 0
DISNEY WALT CO COM DISNEY 254687106 5,437 37,593 SH   SOLE   37,593 0 0
DOMINION ENERGY INC COM 25746U109 263 3,178 SH   SOLE   3,178 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 246 2,700 SH   SOLE   2,700 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 307 1,315 SH   SOLE   1,315 0 0
EMERSON ELEC CO COM 291011104 562 7,372 SH   SOLE   7,372 0 0
EQUINIX INC COM 29444U700 4,451 7,625 SH   SOLE   7,625 0 0
EXXON MOBIL CORP COM 30231G102 1,338 19,171 SH   SOLE   19,171 0 0
FACEBOOK INC CL A 30303M102 9,874 48,108 SH   SOLE   48,108 0 0
FNB CORP PA COM 302520101 346 27,260 SH   SOLE   27,260 0 0
GENERAL ELECTRIC CO COM 369604103 490 43,891 SH   SOLE   43,891 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 479 21,900 SH   SOLE   21,900 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,548 11,080 SH   SOLE   11,080 0 0
HONEYWELL INTL INC COM 438516106 978 5,525 SH   SOLE   5,525 0 0
IDEX CORP COM 45167R104 613 3,565 SH   SOLE   3,565 0 0
INTEL CORP COM 458140100 2,841 47,471 SH   SOLE   47,471 0 0
ISHARES TR SELECT DIVID ETF 464287168 663 6,278 SH   SOLE   6,278 0 0
ISHARES TR TIPS BD ETF 464287176 1,149 9,853 SH   SOLE   9,853 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,729 24,286 SH   SOLE   24,286 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,924 42,889 SH   SOLE   42,889 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,732 24,935 SH   SOLE   24,935 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,625 9,811 SH   SOLE   9,811 0 0
ISHARES TR PFD AND INCM SEC 464288687 515 13,713 SH   SOLE   13,713 0 0
JOHNSON & JOHNSON COM 478160104 5,353 36,699 SH   SOLE   36,699 0 0
JPMORGAN CHASE & CO COM 46625H100 9,522 68,308 SH   SOLE   68,308 0 0
KEYCORP NEW COM 493267108 1,273 62,878 SH   SOLE   62,878 0 0
LOWES COS INC COM 548661107 8,397 70,112 SH   SOLE   70,112 0 0
LULULEMON ATHLETICA INC COM 550021109 1,567 6,765 SH   SOLE   6,765 0 0
MASTERCARD INC CL A 57636Q104 10,393 34,807 SH   SOLE   34,807 0 0
MCDONALDS CORP COM 580135101 934 4,729 SH   SOLE   4,729 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 1,444 68,399 SH   SOLE   68,399 0 0
MICRON TECHNOLOGY INC COM 595112103 1,725 32,075 SH   SOLE   32,075 0 0
MICROSOFT CORP COM 594918104 15,619 99,043 SH   SOLE   99,043 0 0
NBT BANCORP INC COM 628778102 337 8,312 SH   SOLE   8,312 0 0
NETFLIX INC COM 64110L106 529 1,635 SH   SOLE   1,635 0 0
NIKE INC CL B 654106103 8,576 84,654 SH   SOLE   84,654 0 0
NVIDIA CORP COM 67066G104 2,146 9,121 SH   SOLE   9,121 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 444 10,495 SH   SOLE   10,495 0 0
PAYPAL HLDGS INC COM 70450Y103 979 9,052 SH   SOLE   9,052 0 0
PEPSICO INC COM 713448108 358 2,621 SH   SOLE   2,621 0 0
PFIZER INC COM 717081103 228 5,831 SH   SOLE   5,831 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 660 6,500 SH   SOLE   6,500 0 0
PIONEER BANCORP INC COM 723561106 329 21,500 SH   SOLE   21,500 0 0
PRA HEALTH SCIENCES INC COM 69354M108 2,272 20,440 SH   SOLE   20,440 0 0
PROCTER & GAMBLE CO COM 742718109 315 2,523 SH   SOLE   2,523 0 0
REGENERON PHARMACEUTICALS COM 75886F107 209 557 SH   SOLE   557 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,190 93,520 SH   SOLE   93,520 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 353 4,601 SH   SOLE   4,601 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,641 17,658 SH   SOLE   17,658 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,153 35,814 SH   SOLE   35,814 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,756 45,822 SH   SOLE   45,822 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,266 29,956 SH   SOLE   29,956 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,403 87,809 SH   SOLE   87,809 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,015 52,058 SH   SOLE   52,058 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 635 18,876 SH   SOLE   18,876 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 975 17,746 SH   SOLE   17,746 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,109 19,584 SH   SOLE   19,584 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 422 4,142 SH   SOLE   4,142 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 356 2,842 SH   SOLE   2,842 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 255 4,251 SH   SOLE   4,251 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 671 21,808 SH   SOLE   21,808 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 599 7,353 SH   SOLE   7,353 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 819 8,936 SH   SOLE   8,936 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 767 2,690 SH   SOLE   2,690 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,366 7,350 SH   SOLE   7,350 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 684 1,821 SH   SOLE   1,821 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 1,619 27,792 SH   SOLE   27,792 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 287 2,666 SH   SOLE   2,666 0 0
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 905 29,461 SH   SOLE   29,461 0 0
STARBUCKS CORP COM 855244109 5,080 57,774 SH   SOLE   57,774 0 0
STONECO LTD COM CL A G85158106 1,248 31,290 SH   SOLE   31,290 0 0
TARGET CORP COM 87612E106 2,687 20,957 SH   SOLE   20,957 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 1,735 36,490 SH   SOLE   36,490 0 0
TRUSTCO BK CORP N Y COM 898349105 100 11,569 SH   SOLE   11,569 0 0
UNITED AIRLINES HLDGS INC COM 910047109 390 4,430 SH   SOLE   4,430 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,064 17,635 SH   SOLE   17,635 0 0
UNITED TECHNOLOGIES CORP COM 913017109 5,344 35,683 SH   SOLE   35,683 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,427 8,257 SH   SOLE   8,257 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 4,641 57,271 SH   SOLE   57,271 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,241 26,718 SH   SOLE   26,718 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,635 64,253 SH   SOLE   64,253 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,314 112,927 SH   SOLE   112,927 0 0
VARIAN MED SYS INC COM 92220P105 568 4,000 SH   SOLE   4,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 854 13,912 SH   SOLE   13,912 0 0
VISA INC COM CL A 92826C839 9,204 48,982 SH   SOLE   48,982 0 0
WALMART INC COM 931142103 5,902 49,661 SH   SOLE   49,661 0 0
XYLEM INC COM 98419M100 1,157 14,690 SH   SOLE   14,690 0 0