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
ALPHABET INC CAP STK CL C 02079K107 826 710 SH   SOLE   710 0 0
ALPHABET INC CAP STK CL A 02079K305 611 526 SH   SOLE   526 0 0
ALTRIA GROUP INC COM 02209S103 269 6,969 SH   SOLE   6,969 0 0
AMAZON COM INC COM 023135106 1,152 591 SH   SOLE   591 0 0
APPLE INC COM 037833100 5,983 23,530 SH   SOLE   23,530 0 0
AT&T INC COM 00206R102 433 14,860 SH   SOLE   14,860 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,169 6,394 SH   SOLE   6,394 0 0
BK OF AMERICA CORP COM 060505104 884 41,643 SH   SOLE   41,643 0 0
BOEING CO COM 097023105 202 1,354 SH   SOLE   1,354 0 0
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 296 8,300 SH   SOLE   8,300 0 0
FACEBOOK INC CL A 30303M102 219 1,312 SH   SOLE   1,312 0 0
GENERAL ELECTRIC CO COM 369604103 166 20,946 SH   SOLE   20,946 0 0
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 9,547 250,183 SH   SOLE   250,183 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 233 2,097 SH   SOLE   2,097 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 15,603 97,862 SH   SOLE   97,862 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,807 21,501 SH   SOLE   21,501 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 150 11,600 SH   SOLE   11,600 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 62,099 326,152 SH   SOLE   326,152 0 0
ISHARES INC CORE MSCI EMKT 46434G103 391 9,662 SH   SOLE   9,662 0 0
ISHARES TR CORE US AGGBD ET 464287226 33,219 287,935 SH   SOLE   287,935 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,496 13,067 SH   SOLE   13,067 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,929 46,366 SH   SOLE   46,366 0 0
ISHARES TR NEW YORK MUN ETF 464288323 4,614 81,652 SH   SOLE   81,652 0 0
ISHARES TR RUS TOP 200 ETF 464289446 227 3,695 SH   SOLE   3,695 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 264 3,689 SH   SOLE   3,689 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 25,130 465,283 SH   SOLE   465,283 0 0
ISHARES TR CORE INTL AGGR 46435G672 344 6,293 SH   SOLE   6,293 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 17,738 357,113 SH   SOLE   357,113 0 0
JOHNSON & JOHNSON COM 478160104 535 4,079 SH   SOLE   4,079 0 0
JPMORGAN CHASE & CO COM 46625H100 439 4,875 SH   SOLE   4,875 0 0
KEYCORP COM 493267108 198 19,100 SH   SOLE   19,100 0 0
MICROSOFT CORP COM 594918104 1,240 7,860 SH   SOLE   7,860 0 0
PHILIP MORRIS INTL INC COM 718172109 274 3,760 SH   SOLE   3,760 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 13,505 136,441 SH   SOLE   136,441 0 0
PROCTER & GAMBLE CO COM 742718109 291 2,643 SH   SOLE   2,643 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 50,972 843,489 SH   SOLE   843,489 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 905 14,775 SH   SOLE   14,775 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,082 137,458 SH   SOLE   137,458 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,746 422,736 SH   SOLE   422,736 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 473 10,524 SH   SOLE   10,524 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,088 40,357 SH   SOLE   40,357 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 234 2,910 SH   SOLE   2,910 0 0
SIRIUS XM HLDGS INC COM 82968B103 52 10,592 SH   SOLE   10,592 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,288 36,035 SH   SOLE   36,035 0 0
SPDR SER TR S&P DIVID ETF 78464A763 879 11,012 SH   SOLE   11,012 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 1,334 45,360 SH   SOLE   45,360 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 22,452 468,149 SH   SOLE   468,149 0 0
TRUSTCO BK CORP N Y COM 898349105 118 21,877 SH   SOLE   21,877 0 0
UNION PAC CORP COM 907818108 986 6,994 SH   SOLE   6,994 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 584 8,359 SH   SOLE   8,359 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 243 1,548 SH   SOLE   1,548 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 443 4,976 SH   SOLE   4,976 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,080 95,984 SH   SOLE   95,984 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,752 13,588 SH   SOLE   13,588 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 289 7,038 SH   SOLE   7,038 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,398 41,669 SH   SOLE   41,669 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 4,529 85,620 SH   SOLE   85,620 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 17,222 243,420 SH   SOLE   243,420 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 728 3,437 SH   SOLE   3,437 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 289 5,384 SH   SOLE   5,384 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 15,437 632,137 SH   SOLE   632,137 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 10,574 271,743 SH   SOLE   271,743 0 0