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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 249 1,468 SH   SOLE   1,468 0 0
ALPHABET INC CAP STK CL C 02079K107 487 451 SH   SOLE   451 0 0
ALPHABET INC CAP STK CL A 02079K305 574 530 SH   SOLE   530 0 0
ALTRIA GROUP INC COM 02209S103 331 6,989 SH   SOLE   6,989 0 0
AMAZON COM INC COM 023135106 1,233 651 SH   SOLE   651 0 0
APPLE INC COM 037833100 4,598 23,234 SH   SOLE   23,234 0 0
AT&T INC COM 00206R102 500 14,910 SH   SOLE   14,910 0 0
BANK AMER CORP COM 060505104 1,280 44,126 SH   SOLE   44,126 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,470 6,894 SH   SOLE   6,894 0 0
BOEING CO COM 097023105 493 1,354 SH   SOLE   1,354 0 0
DIREXION SHS ETF TR DRX S&P500BULL 25459W862 555 10,800 SH   SOLE   10,800 0 0
DIREXION SHS ETF TR DLY FIN BULL NEW 25459Y694 8,491 114,772 SH   SOLE   114,772 0 0
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 340 8,550 SH   SOLE   8,550 0 0
ETF MANAGERS TR ETFMG ALTR HRVST 26924G508 425 13,428 SH   SOLE   13,428 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 203 3,040 SH   SOLE   3,040 0 0
GENERAL ELECTRIC CO COM 369604103 182 17,313 SH   SOLE   17,313 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 14,535 81,925 SH   SOLE   81,925 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 846 4,173 SH   SOLE   4,173 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340 838 19,331 SH   SOLE   19,331 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 210 11,600 SH   SOLE   11,600 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 66,156 354,266 SH   SOLE   354,266 0 0
ISHARES INC CORE MSCI EMKT 46434G103 7,599 147,724 SH   SOLE   147,724 0 0
ISHARES TR CORE US AGGBD ET 464287226 20,154 180,997 SH   SOLE   180,997 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,099 13,500 SH   SOLE   13,500 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 3,824 35,893 SH   SOLE   35,893 0 0
ISHARES TR NEW YORK MUN ETF 464288323 3,634 63,993 SH   SOLE   63,993 0 0
ISHARES TR RUS TOP 200 ETF 464289446 284 4,175 SH   SOLE   4,175 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 26,798 283,575 SH   SOLE   283,575 0 0
JOHNSON & JOHNSON COM 478160104 624 4,483 SH   SOLE   4,483 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 849 16,840 SH   SOLE   16,840 0 0
JPMORGAN CHASE & CO COM 46625H100 545 4,875 SH   SOLE   4,875 0 0
KEYCORP NEW COM 493267108 339 19,100 SH   SOLE   19,100 0 0
MICROSOFT CORP COM 594918104 1,003 7,484 SH   SOLE   7,484 0 0
PEPSICO INC COM 713448108 211 1,609 SH   SOLE   1,609 0 0
PHILIP MORRIS INTL INC COM 718172109 295 3,760 SH   SOLE   3,760 0 0
PROCTER AND GAMBLE CO COM 742718109 284 2,587 SH   SOLE   2,587 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 634 6,600 SH   SOLE   6,600 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 6,717 108,745 SH   SOLE   108,745 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 63,313 897,677 SH   SOLE   897,677 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,071 15,259 SH   SOLE   15,259 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 343 6,008 SH   SOLE   6,008 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,390 131,366 SH   SOLE   131,366 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,229 427,919 SH   SOLE   427,919 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,595 48,903 SH   SOLE   48,903 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,061 40,746 SH   SOLE   40,746 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 347 3,750 SH   SOLE   3,750 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 347 5,450 SH   SOLE   5,450 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 333 12,060 SH   SOLE   12,060 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 267 3,418 SH   SOLE   3,418 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,955 30,563 SH   SOLE   30,563 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,110 11,000 SH   SOLE   11,000 0 0
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 14,942 486,232 SH   SOLE   486,232 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 18,771 382,536 SH   SOLE   382,536 0 0
TRUSTCO BK CORP N Y COM 898349105 138 17,409 SH   SOLE   17,409 0 0
UNION PACIFIC CORP COM 907818108 1,183 6,994 SH   SOLE   6,994 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 734 8,393 SH   SOLE   8,393 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 253 1,548 SH   SOLE   1,548 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 219 1,971 SH   SOLE   1,971 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,786 132,681 SH   SOLE   132,681 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,110 14,061 SH   SOLE   14,061 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 359 7,038 SH   SOLE   7,038 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,901 44,686 SH   SOLE   44,686 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 3,931 74,069 SH   SOLE   74,069 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 26,482 303,061 SH   SOLE   303,061 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 8,993 130,320 SH   SOLE   130,320 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 15,612 89,757 SH   SOLE   89,757 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 682 3,235 SH   SOLE   3,235 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 324 5,675 SH   SOLE   5,675 0 0
WELLS FARGO CO NEW COM 949746101 310 6,549 SH   SOLE   6,549 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 10,476 362,857 SH   SOLE   362,857 0 0