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
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 997 35,649 SH   SOLE   35,649 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 15,097 128,840 SH   SOLE   128,840 0 0
BK OF AMERICA CORP COM 060505104 1,005 42,321 SH   SOLE   42,321 0 0
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 369 8,300 SH   SOLE   8,300 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,045 138,426 SH   SOLE   138,426 0 0
LOCKHEED MARTIN CORP COM 539830109 220 603 SH   SOLE   603 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 83,884 338,789 SH   SOLE   338,789 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 549 5,254 SH   SOLE   5,254 0 0
AMAZON COM INC COM 023135106 1,702 617 SH   SOLE   617 0 0
INTEL CORP COM 458140100 217 3,627 SH   SOLE   3,627 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 304 5,522 SH   SOLE   5,522 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,025 13,837 SH   SOLE   13,837 0 0
GENERAL ELECTRIC CO COM 369604103 159 23,257 SH   SOLE   23,257 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 16,867 370,780 SH   SOLE   370,780 0 0
PEPSICO INC COM 713448108 213 1,613 SH   SOLE   1,613 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 29,713 490,068 SH   SOLE   490,068 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 64,793 881,891 SH   SOLE   881,891 0 0
ISHARES TR CORE INTL AGGR 46435G672 296 5,314 SH   SOLE   5,314 0 0
FACEBOOK INC CL A 30303M102 318 1,400 SH   SOLE   1,400 0 0
JPMORGAN CHASE & CO COM 46625H100 473 5,033 SH   SOLE   5,033 0 0
ISHARES TR NATIONAL MUN ETF 464288414 5,077 43,992 SH   SOLE   43,992 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,071 32,660 SH   SOLE   32,660 0 0
ISHARES TR RUS TOP 200 ETF 464289446 274 3,695 SH   SOLE   3,695 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 965 3,462 SH   SOLE   3,462 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 671 8,545 SH   SOLE   8,545 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 525 10,147 SH   SOLE   10,147 0 0
SIRIUS XM HOLDINGS INC COM 82968B103 62 10,592 SH   SOLE   10,592 0 0
KEYCORP COM 493267108 233 19,100 SH   SOLE   19,100 0 0
JOHNSON & JOHNSON COM 478160104 602 4,283 SH   SOLE   4,283 0 0
ISHARES TR CORE US AGGBD ET 464287226 35,755 302,471 SH   SOLE   302,471 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,349 23,083 SH   SOLE   23,083 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 784 15,190 SH   SOLE   15,190 0 0
PACIRA BIOSCIENCES COM 695127100 236 4,500 SH   SOLE   4,500 0 0
MICROSOFT CORP COM 594918104 1,943 9,546 SH   SOLE   9,546 0 0
ISHARES TR EXPND TEC SC ETF 464287549 236 845 SH   SOLE   845 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 24,205 291,200 SH   SOLE   291,200 0 0
PROCTER AND GAMBLE CO COM 742718109 366 3,063 SH   SOLE   3,063 0 0
ALPHABET INC CAP STK CL A 02079K305 746 526 SH   SOLE   526 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 313 1,548 SH   SOLE   1,548 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 24,079 485,955 SH   SOLE   485,955 0 0
APPLE INC COM 037833100 8,753 23,995 SH   SOLE   23,995 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 26,509 522,548 SH   SOLE   522,548 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 271 6,288 SH   SOLE   6,288 0 0
BOEING CO COM 097023105 250 1,364 SH   SOLE   1,364 0 0
ISHARES TR NEW YORK MUN ETF 464288323 5,545 96,382 SH   SOLE   96,382 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,004 11,012 SH   SOLE   11,012 0 0
ALTRIA GROUP INC COM 02209S103 326 8,314 SH   SOLE   8,314 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 21,884 150,177 SH   SOLE   150,177 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 12,898 176,152 SH   SOLE   176,152 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 489 4,910 SH   SOLE   4,910 0 0
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 19,486 419,504 SH   SOLE   419,504 0 0
ALPHABET INC CAP STK CL C 02079K107 1,006 712 SH   SOLE   712 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 255 2,110 SH   SOLE   2,110 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,141 6,390 SH   SOLE   6,390 0 0
TRUSTCO BK CORP N Y COM 898349105 110 17,409 SH   SOLE   17,409 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 24,875 124,918 SH   SOLE   124,918 0 0
AT&T INC COM 00206R102 454 15,015 SH   SOLE   15,015 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,408 99,891 SH   SOLE   99,891 0 0
PHILIP MORRIS INTL INC COM 718172109 338 4,823 SH   SOLE   4,823 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 238 4,517 SH   SOLE   4,517 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 232 2,898 SH   SOLE   2,898 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,889 13,196 SH   SOLE   13,196 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,163 13,820 SH   SOLE   13,820 0 0
DISNEY WALT CO COM DISNEY 254687106 251 2,254 SH   SOLE   2,254 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 828 10,511 SH   SOLE   10,511 0 0
UNION PAC CORP COM 907818108 1,182 6,994 SH   SOLE   6,994 0 0