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
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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
Altria Group Inc. COM 02209S103 318 8,232 SH   SOLE   0 0 8,232
Amazon.com Inc COM 023135106 1,949 619 SH   SOLE   0 0 619
Amplify Online Retail ONLIN RETL ETF 032108102 211 2,390 SH   SOLE   0 0 2,390
Apple Inc. COM 037833100 11,443 98,812 SH   SOLE   0 0 98,812
AT&T Corp. COM 00206R102 424 14,860 SH   SOLE   0 0 14,860
Bank of America Corp. COM 060505104 1,006 41,771 SH   SOLE   0 0 41,771
Berkshire Hathaway Class A CL A 084990175 320 100 SH   SOLE   0 0 100
Berkshire Hathaway Inc B CL B 084670702 1,359 6,382 SH   SOLE   0 0 6,382
Boeing Company COM 097023105 225 1,364 SH   SOLE   0 0 1,364
Comcast Corporation Cl A CL A 20030N101 206 4,453 SH   SOLE   0 0 4,453
Constellation Brands Inc. CL A 21036P108 200 1,053 SH   SOLE   0 0 1,053
Facebook Inc CL A 30303M102 355 1,354 SH   SOLE   0 0 1,354
First Tr Nasdaq Equal 100 Fund SHS 337344105 250 2,898 SH   SOLE   0 0 2,898
General Electric Company COM 369604103 127 20,339 SH   SOLE   0 0 20,339
Goldman Sachs Equal Wght US Lg Cp Eq ETF ETF 381430438 21,429 430,992 SH   SOLE   0 0 430,992
Google Class C Share CAP STK CL C 02079K107 1,043 710 SH   SOLE   0 0 710
Google Inc. CAP STK CL A 02079K305 771 526 SH   SOLE   0 0 526
Guggenheim S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 2,460 22,759 SH   SOLE   0 0 22,759
International Business Machines COM 459200101 255 2,097 SH   SOLE   0 0 2,097
Invesco QQQ Trust UNIT SER 1 46090E103 93,575 336,796 SH   SOLE   0 0 336,796
Invesco S&P 500 Equal Weight Technology ETF S&P500 EQL TEC 46137V282 26,813 127,275 SH   SOLE   0 0 127,275
iShares Minimum Volatility ETF MSCI USA MIN VOL 46429B697 32,261 506,212 SH   SOLE   0 0 506,212
iShares North American Technology EXPND TEC SC ETF 464287549 261 845 SH   SOLE   0 0 845
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 1,985 13,250 SH   SOLE   0 0 13,250
Ishares Russell Top RUS TOP 200 ETF 464289446 286 3,524 SH   SOLE   0 0 3,524
J.P. Morgan Chase & Co. COM 46625H100 501 5,203 SH   SOLE   0 0 5,203
Johnson & Johnson COM 478160104 629 4,224 SH   SOLE   0 0 4,224
JPMorgan Ultra Short ULTRA SHRT INC 46641Q837 14,101 277,607 SH   SOLE   0 0 277,607
Keycorp Inc COM 493267108 204 17,126 SH   SOLE   0 0 17,126
Lockheed Martin Corporation COM 539830109 230 600 SH   SOLE   0 0 600
Microsoft Corporation COM 594918104 2,066 9,822 SH   SOLE   0 0 9,822
Pacira Pharmaceuticals COM 695127100 271 4,500 SH   SOLE   0 0 4,500
PepsiCo, Inc. COM 713448108 224 1,614 SH   SOLE   0 0 1,614
Philip Morris Intl Inc COM 718172109 359 4,786 SH   SOLE   0 0 4,786
Procter & Gamble Co. COM 742718109 416 2,993 SH   SOLE   0 0 2,993
ProShares UltraPro QQQ ULTRAPRO QQQ 74347X831 262 2,001 SH   SOLE   0 0 2,001
PureFunds ISE Cyber Security PRIME CYBR SCRTY 26924G201 386 8,300 SH   SOLE   0 0 8,300
S&P 500 Index SPDR TR UNIT 78462F103 10,601 31,655 SH   SOLE   0 0 31,655
Schwab US Broad Mkt. ETF US BRD MKT ETF 808524102 70,629 886,855 SH   SOLE   0 0 886,855
Schwab US Div Equity ETF US DIVIDEND EQ 808524797 557 10,075 SH   SOLE   0 0 10,075
Schwab US Large Cap ETF US LRG CAP ETF 808524201 996 12,356 SH   SOLE   0 0 12,356
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 306 5,519 SH   SOLE   0 0 5,519
Schwab US Small Cap ETF US SML CAP ETF 808524607 9,886 144,704 SH   SOLE   0 0 144,704
Sirius XM Radio Inc. COM 82968B103 57 10,592 SH   SOLE   0 0 10,592
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 1,018 11,012 SH   SOLE   0 0 11,012
SPDR Technology Index TECHNOLOGY 81369Y803 606 5,191 SH   SOLE   0 0 5,191
Tesla Motors Inc COM 88160R101 305 710 SH   SOLE   0 0 710
TrustCo Bank Corp NY COM 898349105 91 17,409 SH   SOLE   0 0 17,409
Union Pacific Corporation COM 907818108 1,377 6,994 SH   SOLE   0 0 6,994
Vanguard Dividend Apprciation ETF DIV APP ETF 921908844 17,033 132,388 SH   SOLE   0 0 132,388
Vanguard Financials ETF FINANCIALS ETF 92204A405 6,804 116,307 SH   SOLE   0 0 116,307
Vanguard FTSE All-World ex-US ALLWRLD EX US 922042775 271 6,288 SH   SOLE   0 0 6,288
Vanguard Growth VIPERs GROWTH ETF 922908736 352 1,548 SH   SOLE   0 0 1,548
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 778 9,611 SH   SOLE   0 0 9,611
Vanguard Information Technology ETF INF TECH ETF 92204A702 7,759 24,913 SH   SOLE   0 0 24,913
Vanguard Mega Cap Value ETF MEGA CAP VAL ETF 921910840 14,179 184,859 SH   SOLE   0 0 184,859
Vanguard REIT VIPERs REAL ESTATE ETF 922908553 660 8,363 SH   SOLE   0 0 8,363
Vanguard Small Cap VIPERs SMALL CP ETF 922908751 23,357 151,865 SH   SOLE   0 0 151,865
Vanguard Total Stock Mkt ETF TOTAL STK MKT 922908769 2,336 13,718 SH   SOLE   0 0 13,718
Vanguard Value ETF VALUE ETF 922908744 411 3,934 SH   SOLE   0 0 3,934
Verizon Communications Inc. COM 92343V104 397 6,668 SH   SOLE   0 0 6,668
Wisdomtree US Qlt Div US QTLY DIV GRT 97717X669 19,465 392,681 SH   SOLE   0 0 392,681