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
ABBOTT LABS COM 002824100 4,463 56,556 SH   SOLE   0 0 56,556
ABBVIE INC COM 00287Y109 4,766 62,555 SH   SOLE   0 0 62,555
ALPHABET INC CAP STK CL A 02079K305 1,085 933 SH   SOLE   0 0 933
ALPHABET INC CAP STK CL C 02079K107 1,945 1,673 SH   SOLE   0 0 1,673
ALTRIA GROUP INC COM 02209S103 56 11,112 SH   SOLE   0 0 11,112
AMAZON COM INC COM 023135106 1,468 753 SH   SOLE   0 0 753
AMERICAN ELEC PWR CO INC COM 025537101 413 5,162 SH   SOLE   0 0 5,162
AMERICAN EXPRESS CO COM 025816109 232 2,705 SH   SOLE   0 0 2,705
AMERICAN TOWER CORP NEW COM 03027X100 508 2,332 SH   SOLE   0 0 2,332
AMGEN INC COM 031162100 2,107 10,394 SH   SOLE   0 0 10,394
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 269 6,089 SH   SOLE   0 0 6,089
APPLE INC COM 037833100 9,542 37,524 SH   SOLE   0 0 37,524
AT&T INC COM 00206R102 295 6,456 SH   SOLE   0 0 6,456
AUTOMATIC DATA PROCESSING IN COM 053015103 838 6,129 SH   SOLE   0 0 6,129
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,264 12 SH   SOLE   0 0 12
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,815 9,928 SH   SOLE   0 0 9,928
BIOGEN INC COM 09062X103 524 1,655 SH   SOLE   0 0 1,655
BLACKROCK INC COM 09247X101 515 1,172 SH   SOLE   0 0 1,172
BLACKROCK TCP CAPITAL CORP COM 09259E108 3,634 124,673 SH   SOLE   0 0 124,673
BOOKING HLDGS INC COM 09857L108 514 382 SH   SOLE   0 0 382
BORGWARNER INC COM 099724106 294 12,058 SH   SOLE   0 0 12,058
BRISTOL-MYERS SQUIBB CO COM 110122108 796 14,286 SH   SOLE   0 0 14,286
BROOKFIELD REAL ASSETS INCOM SHS BEN INT 112830104 943 4,952 SH   SOLE   0 0 4,952
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 203 3,072 SH   SOLE   0 0 3,072
CATERPILLAR INC DEL COM 149123101 716 6,174 SH   SOLE   0 0 6,174
CHEVRON CORP NEW COM 166764100 637 8,793 SH   SOLE   0 0 8,793
CISCO SYS INC COM 17275R102 1,266 32,212 SH   SOLE   0 0 32,212
COHEN & STEERS INFRASTRUCTUR COM 19248A109 305 5,652 SH   SOLE   0 0 5,652
COLGATE PALMOLIVE CO COM 194162103 755 11,376 SH   SOLE   0 0 11,376
COMMUNITY BK SYS INC COM 203607106 421 7,159 SH   SOLE   0 0 7,159
COMPASS MINERALS INTL INC COM 20451N101 224 5,821 SH   SOLE   0 0 5,821
CONSOLIDATED EDISON INC COM 209115104 693 8,879 SH   SOLE   0 0 8,879
CORNING INC COM 219350105 346 16,831 SH   SOLE   0 0 16,831
COSTCO WHSL CORP NEW COM 22160K105 719 2,523 SH   SOLE   0 0 2,523
DEERE & CO COM 244199105 566 4,094 SH   SOLE   0 0 4,094
DISNEY WALT CO COM DISNEY 254687106 532 5,509 SH   SOLE   0 0 5,509
DOMINION ENERGY INC COM 25746U109 2,262 31,338 SH   SOLE   0 0 31,338
DUKE ENERGY CORP NEW COM NEW 26441C204 1,020 12,612 SH   SOLE   0 0 12,612
EL PASO ELEC CO COM NEW 283677854 277 4,072 SH   SOLE   0 0 4,072
EMERSON ELEC CO COM 291011104 381 7,995 SH   SOLE   0 0 7,995
ENBRIDGE INC COM 29250N105 408 14,043 SH   SOLE   0 0 14,043
EXXON MOBIL CORP COM 30231G102 1,466 38,621 SH   SOLE   0 0 38,621
FACEBOOK INC CL A 30303M102 471 2,828 SH   SOLE   0 0 2,828
FEDEX CORP COM 31428X106 218 1,795 SH   SOLE   0 0 1,795
FIDELITY TOTAL BD ETF 316188309 798 15,421 SH   SOLE   0 0 15,421
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 1,394 85,019 SH   SOLE   0 0 85,019
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 222 1,600 SH   SOLE   0 0 1,600
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203 314 2,396 SH   SOLE   0 0 2,396
FORD MTR CO DEL COM 345370860 171 35,500 SH   SOLE   0 0 35,500
GENERAL DYNAMICS CORP COM 369550108 221 1,669 SH   SOLE   0 0 1,669
GENERAL ELECTRIC CO COM 369604103 107 13,416 SH   SOLE   0 0 13,416
GENERAL MLS INC COM 370334104 835 15,823 SH   SOLE   0 0 15,823
GILEAD SCIENCES INC COM 375558103 555 7,417 SH   SOLE   0 0 7,417
HANESBRANDS INC COM 410345102 120 15,297 SH   SOLE   0 0 15,297
HERSHEY CO COM 427866108 265 2,000 SH   SOLE   0 0 2,000
HOME DEPOT INC COM 437076102 213 1,142 SH   SOLE   0 0 1,142
HONEYWELL INTL INC COM 438516106 486 3,634 SH   SOLE   0 0 3,634
INTEL CORP COM 458140100 2,694 49,776 SH   SOLE   0 0 49,776
INTERNATIONAL BUSINESS MACHS COM 459200101 450 4,053 SH   SOLE   0 0 4,053
INVESCO QQQ TR UNIT SER 1 46090E103 829 12,257 SH   SOLE   0 0 12,257
ISHARES TR CORE 1 5 YR USD 46432F859 226 4,473 SH   SOLE   0 0 4,473
ISHARES TR CORE DIV GRWTH 46434V621 1,574 48,297 SH   SOLE   0 0 48,297
ISHARES TR CORE HIGH DV ETF 46429B663 495 6,925 SH   SOLE   0 0 6,925
ISHARES TR CORE S&P SCP ETF 464287804 1,093 19,472 SH   SOLE   0 0 19,472
ISHARES TR CORE S&P TTL STK 464287150 3,029 52,951 SH   SOLE   0 0 52,951
ISHARES TR CORE S&P US GWT 464287671 355 6,221 SH   SOLE   0 0 6,221
ISHARES TR CORE S&P500 ETF 464287200 1,651 6,390 SH   SOLE   0 0 6,390
ISHARES TR EAFE SML CP ETF 464288273 599 9,109 SH   SOLE   0 0 9,109
ISHARES TR IBOXX INV CP ETF 464287242 1,072 12,454 SH   SOLE   0 0 12,454
ISHARES TR MSCI MIN VOL ETF 46429B697 913 26,510 SH   SOLE   0 0 26,510
ISHARES TR PFD AND INCM SEC 464288687 466 14,267 SH   SOLE   0 0 14,267
ISHARES TR S&P 500 GRWT ETF 464287309 911 5,521 SH   SOLE   0 0 5,521
ISHARES TR S&P SML 600 GWT 464287887 213 1,548 SH   SOLE   0 0 1,548
ISHARES TR SELECT DIVID ETF 464287168 1,327 18,046 SH   SOLE   0 0 18,046
ISHARES TR ULTR SH TRM BD 46434V878 247 4,953 SH   SOLE   0 0 4,953
KAYNE ANDERSON MDSTM ENERGY COM 48661E108 831 6,501 SH   SOLE   0 0 6,501
KRAFT HEINZ CO COM 500754106 229 22,071 SH   SOLE   0 0 22,071
L3HARRIS TECHNOLOGIES INC COM 502431109 480 3,794 SH   SOLE   0 0 3,794
LILLY ELI & CO COM 532457108 340 1,885 SH   SOLE   0 0 1,885
LOCKHEED MARTIN CORP COM 539830109 1,471 28,851 SH   SOLE   0 0 28,851
LOWES COS INC COM 548661107 581 1,715 SH   SOLE   0 0 1,715
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 1,189 8,710 SH   SOLE   0 0 8,710
MEDTRONIC PLC SHS G5960L103 267 5,335 SH   SOLE   0 0 5,335
MERCK & CO. INC COM 58933Y105 461 10,532 SH   SOLE   0 0 10,532
MFA FINL INC COM 55272X102 711 7,884 SH   SOLE   0 0 7,884
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 280 7,677 SH   SOLE   0 0 7,677
MICROCHIP TECHNOLOGY INC COM 595017104 1,017 6,152 SH   SOLE   0 0 6,152
MORGAN STANLEY COM NEW 617446448 955 12,416 SH   SOLE   0 0 12,416
MOTOROLA SOLUTIONS INC COM NEW 620076307 3,016 19,122 SH   SOLE   0 0 19,122
NBT BANCORP INC COM 628778102 220 1,490 SH   SOLE   0 0 1,490
NEWTEK BUSINESS SVCS CORP COM NEW 652526203 316 1,315 SH   SOLE   0 0 1,315
NOKIA CORP SPONSORED ADR 654902204 578 1,911 SH   SOLE   0 0 1,911
NORTHERN TR CORP COM 665859104 444 3,039 SH   SOLE   0 0 3,039
NORTHWEST NAT HLDG CO COM 66765N105 228 2,768 SH   SOLE   0 0 2,768
NOVARTIS A G SPONSORED ADR 66987V109 443 1,680 SH   SOLE   0 0 1,680
NUVEEN PFD & INCM SECURTIES COM 67072C105 1,110 12,327 SH   SOLE   0 0 12,327
OSHKOSH CORP COM 688239201 217 4,495 SH   SOLE   0 0 4,495
PELOTON INTERACTIVE INC CL A COM 70614W100 341 12,608 SH   SOLE   0 0 12,608
PENNSYLVANIA RL ESTATE INVT SH BEN INT 709102107 528 11,757 SH   SOLE   0 0 11,757
PEOPLES UTD FINL INC COM 712704105 1,281 20,365 SH   SOLE   0 0 20,365
PFIZER INC COM 717081103 745 6,202 SH   SOLE   0 0 6,202
PRECIGEN INC COM 74017N105 3,434 31,222 SH   SOLE   0 0 31,222
PRINCIPAL FINL GROUP INC COM 74251V102 353 11,089 SH   SOLE   0 0 11,089
ROYAL BK CDA COM 780087102 416 3,171 SH   SOLE   0 0 3,171
SALESFORCE COM INC COM 79466L302 582 4,043 SH   SOLE   0 0 4,043
SCHLUMBERGER LTD COM 806857108 370 3,332 SH   SOLE   0 0 3,332
SIMON PPTY GROUP INC NEW COM 828806109 948 17,518 SH   SOLE   0 0 17,518
SPDR SER TR BLOOMBERG BRCLYS 78468R622 2,310 17,614 SH   SOLE   0 0 17,614
SQUARE INC CL A 852234103 5,823 22,590 SH   SOLE   0 0 22,590
SYSCO CORP COM 871829107 627 4,375 SH   SOLE   0 0 4,375
TARGET CORP COM 87612E106 428 13,872 SH   SOLE   0 0 13,872
THERMO FISHER SCIENTIFIC INC COM 883556102 272 5,689 SH   SOLE   0 0 5,689
TOMPKINS FINANCIAL CORPORATI COM 890110109 1,949 6,871 SH   SOLE   0 0 6,871
TOTAL S.A. SPONSORED ADS 89151E109 7,447 103,717 SH   SOLE   0 0 103,717
TRUSTCO BK CORP N Y COM 898349105 218 2,229 SH   SOLE   0 0 2,229
UBS AG LONDON BRANCH 2XLEVE ETRACS WF 90274D424 755 17,060 SH   SOLE   0 0 17,060
UNITED PARCEL SERVICE INC CL B 911312106 1,497 10,614 SH   SOLE   0 0 10,614
UNITED RENTALS INC COM 911363109 226 2,419 SH   SOLE   0 0 2,419
VALERO ENERGY CORP COM 91913Y100 1,325 12,820 SH   SOLE   0 0 12,820
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 583 2,462 SH   SOLE   0 0 2,462
VANGUARD INDEX FDS SMALL CP ETF 922908751 949 5,892 SH   SOLE   0 0 5,892
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,355 33,280 SH   SOLE   0 0 33,280
VECTOIQ ACQUISITION CORP COM 92243N103 1,072 8,315 SH   SOLE   0 0 8,315
VERIZON COMMUNICATIONS INC COM 92343V104 3,041 56,597 SH   SOLE   0 0 56,597
VISA INC COM CL A 92826C839 381 4,035 SH   SOLE   0 0 4,035
WEC ENERGY GROUP INC COM 92939U106 872 9,891 SH   SOLE   0 0 9,891
WELLTOWER INC COM 95040Q104 336 7,331 SH   SOLE   0 0 7,331