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
ALPHABET INC CAP STK CL C 02079K107 1,015 759 SH   SOLE   759 0 0
ALPHABET INC CAP STK CL A 02079K305 705 526 SH   SOLE   526 0 0
ALTRIA GROUP INC COM 02209S103 348 6,969 SH   SOLE   6,969 0 0
AMAZON COM INC COM 023135106 1,212 656 SH   SOLE   656 0 0
AMERICAN ELEC PWR CO INC COM 025537101 204 2,157 SH   SOLE   2,157 0 0
APPLE INC COM 037833100 7,070 24,076 SH   SOLE   24,076 0 0
AT&T INC COM 00206R102 588 15,042 SH   SOLE   15,042 0 0
BANK AMER CORP COM 060505104 1,496 42,468 SH   SOLE   42,468 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,456 6,429 SH   SOLE   6,429 0 0
BOEING CO COM 097023105 441 1,354 SH   SOLE   1,354 0 0
COMCAST CORP NEW CL A 20030N101 209 4,637 SH   SOLE   4,637 0 0
CONSTELLATION BRANDS INC CL A 21036P108 219 1,153 SH   SOLE   1,153 0 0
DIREXION SHS ETF TR DLY SMCAP BULL3X 25459W847 209 2,900 SH   SOLE   2,900 0 0
DIREXION SHS ETF TR DRX S&P500BULL 25459W862 747 11,302 SH   SOLE   11,302 0 0
DIREXION SHS ETF TR DLY FIN BULL NEW 25459Y694 914 9,658 SH   SOLE   9,658 0 0
DISNEY WALT CO COM DISNEY 254687106 228 1,574 SH   SOLE   1,574 0 0
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 355 8,550 SH   SOLE   8,550 0 0
FACEBOOK INC CL A 30303M102 251 1,222 SH   SOLE   1,222 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 215 2,913 SH   SOLE   2,913 0 0
GENERAL ELECTRIC CO COM 369604103 283 25,359 SH   SOLE   25,359 0 0
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 14,622 288,343 SH   SOLE   288,343 0 0
INTEL CORP COM 458140100 233 3,890 SH   SOLE   3,890 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 288 2,145 SH   SOLE   2,145 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 19,243 97,157 SH   SOLE   97,157 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 220 11,600 SH   SOLE   11,600 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 69,223 325,586 SH   SOLE   325,586 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,674 179,954 SH   SOLE   179,954 0 0
ISHARES TR CORE US AGGBD ET 464287226 31,690 282,018 SH   SOLE   282,018 0 0
ISHARES TR EXPND TEC SC ETF 464287549 205 845 SH   SOLE   845 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,165 13,067 SH   SOLE   13,067 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,823 45,172 SH   SOLE   45,172 0 0
ISHARES TR NEW YORK MUN ETF 464288323 4,531 79,416 SH   SOLE   79,416 0 0
ISHARES TR RUS TOP 200 ETF 464289446 278 3,695 SH   SOLE   3,695 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 9,965 101,609 SH   SOLE   101,609 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 13,061 199,103 SH   SOLE   199,103 0 0
ISHARES TR CORE INTL AGGR 46435G672 286 5,219 SH   SOLE   5,219 0 0
JOHNSON & JOHNSON COM 478160104 620 4,253 SH   SOLE   4,253 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 833 16,520 SH   SOLE   16,520 0 0
JPMORGAN CHASE & CO COM 46625H100 686 4,918 SH   SOLE   4,918 0 0
KEYCORP NEW COM 493267108 388 19,177 SH   SOLE   19,177 0 0
MICROSOFT CORP COM 594918104 1,273 8,075 SH   SOLE   8,075 0 0
PACIRA BIOSCIENCES COM 695127100 204 4,500 SH   SOLE   4,500 0 0
PEPSICO INC COM 713448108 225 1,648 SH   SOLE   1,648 0 0
PHILIP MORRIS INTL INC COM 718172109 320 3,760 SH   SOLE   3,760 0 0
PROCTER & GAMBLE CO COM 742718109 353 2,828 SH   SOLE   2,828 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 804 6,600 SH   SOLE   6,600 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 2,385 27,562 SH   SOLE   27,562 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 64,661 841,070 SH   SOLE   841,070 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,130 14,708 SH   SOLE   14,708 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 362 6,015 SH   SOLE   6,015 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,372 137,122 SH   SOLE   137,122 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,457 418,583 SH   SOLE   418,583 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 640 11,058 SH   SOLE   11,058 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,105 41,691 SH   SOLE   41,691 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 382 3,750 SH   SOLE   3,750 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 327 5,450 SH   SOLE   5,450 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 349 11,332 SH   SOLE   11,332 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 267 2,910 SH   SOLE   2,910 0 0
SIRIUS XM HLDGS INC COM 82968B103 76 10,592 SH   SOLE   10,592 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,715 30,185 SH   SOLE   30,185 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,183 11,000 SH   SOLE   11,000 0 0
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 1,433 46,644 SH   SOLE   46,644 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 22,926 467,979 SH   SOLE   467,979 0 0
TRUSTCO BK CORP N Y COM 898349105 190 21,877 SH   SOLE   21,877 0 0
UNION PACIFIC CORP COM 907818108 1,264 6,994 SH   SOLE   6,994 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 775 8,353 SH   SOLE   8,353 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 282 1,548 SH   SOLE   1,548 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 712 5,942 SH   SOLE   5,942 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,730 94,967 SH   SOLE   94,967 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,336 14,279 SH   SOLE   14,279 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 378 7,038 SH   SOLE   7,038 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,928 43,345 SH   SOLE   43,345 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 4,455 83,218 SH   SOLE   83,218 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 27,696 295,546 SH   SOLE   295,546 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 16,602 217,643 SH   SOLE   217,643 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 18,539 96,689 SH   SOLE   96,689 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 891 3,641 SH   SOLE   3,641 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 336 5,472 SH   SOLE   5,472 0 0
WELLS FARGO CO NEW COM 949746101 352 6,549 SH   SOLE   6,549 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 11,075 354,732 SH   SOLE   354,732 0 0