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
APPLE INC COM 037833100 903 6,804 SH   SOLE NONE 0 0 6,804
EXXON MOBIL CORP COM 30231G102 260 6,299 SH   SOLE NONE 0 0 6,299
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104 279 13,822 SH   SOLE NONE 0 0 13,822
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 224 5,278 SH   SOLE NONE 0 0 5,278
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,490 11,184 SH   SOLE NONE 0 0 11,184
ISHARES INC CORE MSCI EMKT 46434G103 1,005 16,200 SH   SOLE NONE 0 0 16,200
ISHARES TR NATIONAL MUN ETF 464288414 855 7,291 SH   SOLE NONE 0 0 7,291
ISHARES TR SHRT NAT MUN ETF 464288158 244 2,256 SH   SOLE NONE 0 0 2,256
ISHARES TR TIPS BD ETF 464287176 729 5,709 SH   SOLE NONE 0 0 5,709
ISHARES TR RUS 2000 VAL ETF 464287630 376 2,857 SH   SOLE NONE 0 0 2,857
ISHARES TR RUS 1000 VAL ETF 464287598 360 2,631 SH   SOLE NONE 0 0 2,631
ISHARES TR RUS 1000 GRW ETF 464287614 399 1,655 SH   SOLE NONE 0 0 1,655
ISHARES TR CORE MSCI EAFE 46432F842 400 5,795 SH   SOLE NONE 0 0 5,795
ISHARES TR RUS 1000 ETF 464287622 324 1,528 SH   SOLE NONE 0 0 1,528
ISHARES TR CORE S&P500 ETF 464287200 82,985 221,064 SH   SOLE NONE 0 0 221,064
ISHARES TR MSCI USA ESG SLC 464288802 324 3,930 SH   SOLE NONE 0 0 3,930
ISHARES TR 0-5YR HI YL CP 46434V407 423 9,313 SH   SOLE NONE 0 0 9,313
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102 213 8,306 SH   SOLE NONE 0 0 8,306
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 250 7,467 SH   SOLE NONE 0 0 7,467
PEPSICO INC COM 713448108 1,203 8,111 SH   SOLE NONE 0 0 8,111
PROCTER AND GAMBLE CO COM 742718109 313 2,250 SH   SOLE NONE 0 0 2,250
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 61,241 1,452,592 SH   SOLE NONE 0 0 1,452,592
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 44,714 1,324,860 SH   SOLE NONE 0 0 1,324,860
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 261 5,870 SH   SOLE NONE 0 0 5,870
SPDR SER TR BLOMBRG BRC EMRG 78464A391 400 14,273 SH   SOLE NONE 0 0 14,273
SPDR SER TR PORTFOLIO S&P500 78464A854 5,904 134,301 SH   SOLE NONE 0 0 134,301
SPDR SER TR SPDR BLOOMBERG 78468R663 12,609 137,774 SH   SOLE NONE 0 0 137,774
SPDR SER TR PORTFOLIO AGRGTE 78464A649 32,024 1,040,072 SH   SOLE NONE 0 0 1,040,072
SPDR SER TR PORTFOLIO S&P600 78468R853 14,690 410,342 SH   SOLE NONE 0 0 410,342
SPDR SER TR NUVEEN BLMBRG SR 78468R739 479 9,616 SH   SOLE NONE 0 0 9,616
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 29,620 601,050 SH   SOLE NONE 0 0 601,050
TRUSTCO BK CORP N Y COM 898349105 76 11,405 SH   SOLE NONE 0 0 11,405
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 239 2,889 SH   SOLE NONE 0 0 2,889
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 220 2,489 SH   SOLE NONE 0 0 2,489
VANGUARD INDEX FDS GROWTH ETF 922908736 614 2,423 SH   SOLE NONE 0 0 2,423
VANGUARD INDEX FDS VALUE ETF 922908744 493 4,141 SH   SOLE NONE 0 0 4,141
VANGUARD INDEX FDS SML CP GRW ETF 922908595 666 2,489 SH   SOLE NONE 0 0 2,489
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 440 5,179 SH   SOLE NONE 0 0 5,179
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,648 13,602 SH   SOLE NONE 0 0 13,602
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 589 4,948 SH   SOLE NONE 0 0 4,948
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 918 4,327 SH   SOLE NONE 0 0 4,327
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,488 10,462 SH   SOLE NONE 0 0 10,462
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,007 119,883 SH   SOLE NONE 0 0 119,883
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,768 50,146 SH   SOLE NONE 0 0 50,146
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,227 44,113 SH   SOLE NONE 0 0 44,113
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,437 72,798 SH   SOLE NONE 0 0 72,798
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 558 6,094 SH   SOLE NONE 0 0 6,094
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 239 3,926 SH   SOLE NONE 0 0 3,926
WISDOMTREE TR EMER MKT HIGH FD 97717W315 4,143 100,716 SH   SOLE NONE 0 0 100,716
WISDOMTREE TR YIELD ENHANCD US 97717X511 247 4,593 SH   SOLE NONE 0 0 4,593
WISDOMTREE TR INTL EQUITY FD 97717W703 288 5,693 SH   SOLE NONE 0 0 5,693