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
AMAZON.COM INC COM 023135106 27 65 SH   SOLE NONE 65 0 0
CERNER CORP COM 156782104 36 538 SH   SOLE NONE 538 0 0
CBS CORP CL B CL B 124857202 1 29 SH   SOLE NONE 29 0 0
PRUDENTIAL FINL INC COM 744320102 68 811 SH   SOLE NONE 811 0 0
WISDOMTREE JAPAN HEDGED EQUITY JAPN HEDGE EQT 97717W851 14 250 SH   SOLE NONE 250 0 0
SEALED AIR CORP NEW COM COM 81211K100 9 190 SH   SOLE NONE 190 0 0
FIRST TR NASDAQ 100 EQUAL WEIGHTED INDEXISIN#US3373441050 FD SHS SHS 337344105 11 244 SH   SOLE NONE 244 0 0
SIRIUS XM RADIO INC COM 82968B103 91 23,625 SH   SOLE NONE 23,625 0 0
STARBUCKS CORP COM 855244109 40 770 SH   SOLE NONE 770 0 0
PUBLIC SVC ENTERPRISE GROUP COM COM 744573106 69 1,619 SH   SOLE NONE 1,619 0 0
MONSANTO CO COM 61166W101 33 284 SH   SOLE NONE 284 0 0
DELUXE CORP COM COM 248019101 6 105 SH   SOLE NONE 105 0 0
ARROW FINL CORP COM 042744102 62 2,368 SH   SOLE NONE 2,368 0 0
BUCKEYE PARTNERS UTS L P UNIT LTD PARTNERSHIP INT UNIT LTD PARTN 118230101 47 617 SH   SOLE NONE 617 0 0
ANTHEM INC COM COM 036752103 1 10 SH   SOLE NONE 10 0 0
EBAY INC COM 278642103 12 204 SH   SOLE NONE 204 0 0
SPDR BLOOMBERG BARCLAYS INTERMEDIATE TERM TREASURY ETF BRCLYS INTER ETF 78464A672 107 1,783 SH   SOLE NONE 1,783 0 0
MYLAN N V SHS EURO SHS EURO N59465109 156 2,151 SH   SOLE NONE 2,151 0 0
MONSTER BEVERAGE CORP COM 61174X109 16 126 SH   SOLE NONE 126 0 0
JOHNSON & JOHNSON COM COM 478160104 227 2,274 SH   SOLE NONE 2,274 0 0
AKAMAI TECH COM 00971T101 5 68 SH   SOLE NONE 68 0 0
WASTE MANAGEMENT INC COM 94106L109 16 325 SH   SOLE NONE 325 0 0
ALLIANCEBERNSTEIN HLDG UNIT LTD PARTNERSHIP INT UNIT LTD PARTN 01881G106 2 67 SH   SOLE NONE 67 0 0
COMPANHIA DE SANEAM ADRF SPONSORED ADR SPONSORED ADR 20441A102 3 642 SH   SOLE NONE 642 0 0
COSTCO WHOLESALE CORP COM 22160K105 9 67 SH   SOLE NONE 67 0 0
SHIP FINANCE INTERNATIONAL SHS G81075106 2 178 SH   SOLE NONE 178 0 0
HCA INC COM 40412C101 0 7 SH   SOLE NONE 7 0 0
FIRST TR EXCH TRADED FD HEALTH CARE ALPHADEX FD HLTH CARE ALPH 33734X143 811 11,845 SH   SOLE NONE 11,845 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 59 290 SH   SOLE NONE 290 0 0
LAS VEGAS SANDS CORP COM 517834107 11 218 SH   SOLE NONE 218 0 0
NOBLE ENERGY INC COM COM 655044105 10 240 SH   SOLE NONE 240 0 0
PRAXAIR INC COM 74005P104 7 60 SH   SOLE NONE 60 0 0
ROYAL DUTCH SHELL PLC-ADR SPONS ADR A 780259206 3 53 SH   SOLE NONE 53 0 0
YUM! BRANDS INC COM 988498101 27 305 SH   SOLE NONE 305 0 0
BOSTON SCIENTIFIC CORP COM 101137107 45 2,468 SH   SOLE NONE 2,468 0 0
EAST WEST BANCORP INC COM COM 27579R104 1 40 SH   SOLE NONE 40 0 0
PROCTER AND GAMBLE CO COM COM 742718109 558 7,127 SH   SOLE NONE 7,127 0 0
COCA COLA CO COM COM 191216100 208 5,090 SH   SOLE NONE 5,090 0 0
GENERAL MLS INC COM COM 370334104 14 251 SH   SOLE NONE 251 0 0
NUVEEN CREDIT STRATEGIES INCOME COM SHS 67073D102 0 3 SH   SOLE NONE 3 0 0
PPG INDS INC COM COM 693506107 21 92 SH   SOLE NONE 92 0 0
OCCIDENTAL PETE CORP DEL COM COM 674599105 1 18 SH   SOLE NONE 18 0 0
UNITED PARCEL SERVICE INC CL B 911312106 30 302 SH   SOLE NONE 302 0 0
BIOGEN IDEC INC COM 09062X103 8 22 SH   SOLE NONE 22 0 0
CARNIVAL CORP PAIRED CTF 143658300 27 600 SH   SOLE NONE 600 0 0
INTEL CORP COM COM 458140100 61 1,791 SH   SOLE NONE 1,791 0 0
PERRIGO CO SHS G97822103 18 99 SH   SOLE NONE 99 0 0
BOSTON BEER CO CL A CL A 100557107 67 255 SH   SOLE NONE 255 0 0
HUNT J B TRANS SVCS INC COM COM 445658107 7 89 SH   SOLE NONE 89 0 0
STATE STR CORP COM COM 857477103 14 180 SH   SOLE NONE 180 0 0
MEDTRONIC PLC SHS SHS G5960L103 14 191 SH   SOLE NONE 191 0 0
NETFLIX COM INC COM 64110L106 31 50 SH   SOLE NONE 50 0 0
SPDR DOW JONES INDUSTRIAL ETF UT SER 1 78467X109 144 800 SH   SOLE NONE 800 0 0
GREENHILL & CO INC COM 395259104 1 28 SH   SOLE NONE 28 0 0
AFFILIATED MANAGERS GROUP INC COM 008252108 11 51 SH   SOLE NONE 51 0 0
HANOVER INS GROUP INC COM COM 410867105 0 11 SH   SOLE NONE 11 0 0
ISHARES SILVER TRUST ETF ISHARES 46428Q109 1 110 SH   SOLE NONE 110 0 0
HESS CORP COM COM 42809H107 0 7 SH   SOLE NONE 7 0 0
TD AMERITRADE HOLDING CP COM 87236Y108 1 45 SH   SOLE NONE 45 0 0
ESTEE LAUDER COMPANIES INC CL A 518439104 25 292 SH   SOLE NONE 292 0 0
MERCK & CO INC COM 58933Y105 172 2,839 SH   SOLE NONE 2,839 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 105 500 SH   SOLE NONE 500 0 0
FIRST REP BK SAN FRANCISCO CAL COM COM 33616C100 2 36 SH   SOLE NONE 36 0 0
ILLINOIS TOOL WKS INC COM COM 452308109 25 269 SH   SOLE NONE 269 0 0
EMERSON ELEC CO COM COM 291011104 7 124 SH   SOLE NONE 124 0 0
ALLSTATE CORP COM 020002101 1 24 SH   SOLE NONE 24 0 0
SIGNATURE BK NEW YORK N Y COM COM 82669G104 1 11 SH   SOLE NONE 11 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 144 1,277 SH   SOLE NONE 1,277 0 0
J M SMUCKER CO NEW COM NEW 832696405 12 109 SH   SOLE NONE 109 0 0
CORNING INC COM COM 219350105 15 739 SH   SOLE NONE 739 0 0
CIT GROUP INC NEW COM COM NEW 125581801 1 30 SH   SOLE NONE 30 0 0
BANK NEW YORK MELLON CORP COM COM 064058100 423 9,756 SH   SOLE NONE 9,756 0 0
BALLARD POWER SYSTEMS, INC. COM 058586108 0 10 SH   SOLE NONE 10 0 0
VERIZON COMMUNICATIONS COM 92343V104 433 8,761 SH   SOLE NONE 8,761 0 0
PEPSICO INC COM COM 713448108 156 1,627 SH   SOLE NONE 1,627 0 0
ISHARES 1-3 YR TREASURY BOND ETF 1-3 YR TR BD ETF 464287457 3,125 36,832 SH   SOLE NONE 36,832 0 0
MARATHON OIL CORP COM COM 565849106 7 281 SH   SOLE NONE 281 0 0
JDS UNIPHASE CORP COM 925550105 3 250 SH   SOLE NONE 250 0 0
KIMBERLY CLARK CORP COM COM 494368103 22 209 SH   SOLE NONE 209 0 0
TE CONNECTIVITY LTD REG SHS H84989104 2 32 SH   SOLE NONE 32 0 0
HONEYWELL INTL INC COM 438516106 90 873 SH   SOLE NONE 873 0 0
INGERSOLL-RAND PLC SHS SHS G47791101 13 200 SH   SOLE NONE 200 0 0
FIRSTENERGY CORP COM 337932107 0 25 SH   SOLE NONE 25 0 0
FORD MOTOR COMPANY COM PAR $0.01 345370860 48 3,225 SH   SOLE NONE 3,225 0 0
OMEGA HEALTHCARE INVESTORS INC COM 681936100 1 34 SH   SOLE NONE 34 0 0
XCEL ENERGY INC COM COM 98389B100 10 300 SH   SOLE NONE 300 0 0
BP PLC SPONSORED ADR SPONSORED ADR 055622104 4 98 SH   SOLE NONE 98 0 0
HOME DEPOT COM 437076102 165 1,489 SH   SOLE NONE 1,489 0 0
BAXTER INTL INC COM COM 071813109 60 911 SH   SOLE NONE 911 0 0
SPDR SER TR LEHMAN INTERMEDIATE TERM CR BD ETF INTR TRM CORP BD 78464A375 107 3,129 SH   SOLE NONE 3,129 0 0
AUTOMATIC DATA PROCESSING INC COM COM 053015103 65 761 SH   SOLE NONE 761 0 0
GLU MOBILE INC COM 379890106 3 500 SH   SOLE NONE 500 0 0
FIRST TR EXCH TRADED FD CONSUMER DISCRETIONARY CONSUMR DISCRE 33734X101 736 20,148 SH   SOLE NONE 20,148 0 0
DIREXION DAILY SMALL CAP BEAR 3X SHARES DAILY SM CAP BEA 25490K521 7 700 SH   SOLE NONE 700 0 0
SPDR GOLD ETF GOLD SHS 78463V107 9 81 SH   SOLE NONE 81 0 0
SOUTHERN CO COM COM 842587107 34 786 SH   SOLE NONE 786 0 0
ESPEY MFG & ELECTRS CORP COM COM 296650104 22 872 SH   SOLE NONE 872 0 0
AMERISOURCEBERGEN CORP COM COM 03073E105 11 102 SH   SOLE NONE 102 0 0
BECTON DICKINSON & CO COM COM 075887109 46 331 SH   SOLE NONE 331 0 0
BROADRIDGE FIN SOL COM 11133T103 6 125 SH   SOLE NONE 125 0 0
SCHWAB ETFS- US SMALL-CAP ETF US SML CAP ETF 808524607 77 1,346 SH   SOLE NONE 1,346 0 0
SCHWAB ETFS- US BROAD MARKET ETF US BRD MKT ETF 808524102 1,904 37,046 SH   SOLE NONE 36,634 0 412
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 4,720 93,328 SH   SOLE NONE 92,911 0 417
WHIRLPOOL CORP COM COM 963320106 18 101 SH   SOLE NONE 101 0 0
PIPER JAFFRAY COS COM 724078100 4 100 SH   SOLE NONE 100 0 0
SOUTHWEST GAS HOLDINGS INC COM COM 844895102 3 60 SH   SOLE NONE 60 0 0
CENTURYLINK INC COM COM 156700106 5 174 SH   SOLE NONE 174 0 0
CENOVUS ENERGY INC F COM 15135U109 0 38 SH   SOLE NONE 38 0 0
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 8,372 153,147 SH   SOLE NONE 152,412 0 735
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF BARC SHT TR CP 78464A474 107 3,508 SH   SOLE NONE 3,508 0 0
AMICUS THERAPEUTICS INC COM COM 03152W109 23 1,893 SH   SOLE NONE 1,893 0 0
ISHARES S&P SMALLCAP 600 ETF CORE S&P SCP ETF 464287804 3,498 29,901 SH   SOLE NONE 29,901 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 87 610 SH   SOLE NONE 610 0 0
SCHWAB EMERGING MARKET EQ ETF EMRG MKTEQ ETF 808524706 25 1,000 SH   SOLE NONE 1,000 0 0
ADOBE SYS INC COM 00724F101 9 124 SH   SOLE NONE 124 0 0
VANGUARD SHORT TERM CORP BOND FD ETF SHRT TRM CORP BD 92206C409 3,769 47,072 SH   SOLE NONE 46,708 0 364
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 54 625 SH   SOLE NONE 625 0 0
GOOGLE INC CAP STK CL A 02079K305 34 64 SH   SOLE NONE 64 0 0
PG&E CORP COM COM 69331C108 0 12 SH   SOLE NONE 12 0 0
EASTMAN CHEMICAL CO COM 277432100 9 124 SH   SOLE NONE 124 0 0
PRINCIPAL FINANCIAL GROUP INC COM 74251V102 15 300 SH   SOLE NONE 300 0 0
CONSTELLATION BRANDS INC CL A CL A 21036P108 10 85 SH   SOLE NONE 85 0 0
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 3 80 SH   SOLE NONE 80 0 0
NEWMONT MINING CORP COM COM 651639106 2 80 SH   SOLE NONE 80 0 0
AEGON N V ISIN #US0079241032 NY REGISTRY SH 007924103 2 290 SH   SOLE NONE 290 0 0
CSX CORP COM 126408103 21 638 SH   SOLE NONE 638 0 0
COMCAST CORP NEW CL A CL A 20030N101 81 1,387 SH   SOLE NONE 1,387 0 0
MICROSOFT COM 594918104 226 4,844 SH   SOLE NONE 4,844 0 0
LENNAR CORP CL A CL A 526057104 2 60 SH   SOLE NONE 60 0 0
SCHLUMBERGER LTD COM COM 806857108 43 481 SH   SOLE NONE 481 0 0
CVS HEALTH CORP COM COM 126650100 102 1,005 SH   SOLE NONE 1,005 0 0
DTE ENERGY CO COM COM 233331107 11 143 SH   SOLE NONE 143 0 0
RPM INTL INC COM COM 749685103 32 652 SH   SOLE NONE 652 0 0
BROWN & BROWN INC COM 115236101 17 551 SH   SOLE NONE 551 0 0
GARMIN LTD SHS H2906T109 11 260 SH   SOLE NONE 260 0 0
ARES CAP CORP COM COM 04010L103 3 187 SH   SOLE NONE 187 0 0
PROSHARES ULTRA S&P 500 PSHS ULT S&P 500 74347R107 88 1,314 SH   SOLE NONE 1,314 0 0
BOEING CO COM COM 097023105 62 446 SH   SOLE NONE 446 0 0
NEXTERA ENERGY INC COM COM 65339F101 1 17 SH   SOLE NONE 17 0 0
ENCANA CORPORATION COM 292505104 0 38 SH   SOLE NONE 38 0 0
NIKE INC CLASS B CL B 654106103 15 150 SH   SOLE NONE 150 0 0
ALIGN TECHNOLOGY INC COM COM 016255101 0 0 SH   SOLE NONE 0 0 0
WYNDHAM WORLDWIDE CORP COM 98310W108 1 21 SH   SOLE NONE 21 0 0
TESLA MOTORS INC COM 88160R101 4 17 SH   SOLE NONE 17 0 0
CMS ENERGY CORP COM COM 125896100 83 2,442 SH   SOLE NONE 2,442 0 0
VANGUARD HEALTH CARE ETF HEALTH CAR ETF 92204A504 9 65 SH   SOLE NONE 65 0 0
NXP SEMICONDUCTORS NV COM COM N6596X109 10 95 SH   SOLE NONE 95 0 0
OGE ENERGY CORP COM COM 670837103 18 603 SH   SOLE NONE 603 0 0
MACERICH CO COM 554382101 7 91 SH   SOLE NONE 91 0 0
ALPS TRUST ETF ALERIAN MLP ALERIAN MLP 00162Q866 2 132 SH   SOLE NONE 132 0 0
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 20,848 410,816 SH   SOLE NONE 409,092 0 1,724
BIG LOTS INC COM 089302103 4 95 SH   SOLE NONE 95 0 0
VANGUARD CONSUMER STAPLES ETF CONSUM STP ETF 92204A207 14 112 SH   SOLE NONE 112 0 0
HARLEY DAVIDSON INC COM 412822108 0 0 SH   SOLE NONE 0 0 0
SCHWAB US TIPS ETF US TIPS ETF 808524870 38 701 SH   SOLE NONE 701 0 0
SCHWAB INTMEDIATE TERM US TREASURY ETF INTRM TRM TRES 808524854 18 339 SH   SOLE NONE 339 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 48 560 SH   SOLE NONE 560 0 0
ASSURANT INC COM 04621X108 10 158 SH   SOLE NONE 158 0 0
AMPHENOL CORP CL A CL A 032095101 8 144 SH   SOLE NONE 144 0 0
CENTERPOINT ENERGY INC COM COM 15189T107 6 296 SH   SOLE NONE 296 0 0
ROYAL CARRIBBEAN CRUISES LTD COM V7780T103 7 102 SH   SOLE NONE 102 0 0
HANESBRANDS INC COM 410345102 13 416 SH   SOLE NONE 416 0 0
ISHARES DJ US HEALTH CARE PROVIDERS US HLTHCR PR ETF 464288828 4,206 30,357 SH   SOLE NONE 30,357 0 0
SOUTH JERSEY INDS INC COM COM 838518108 10 400 SH   SOLE NONE 400 0 0
ARROW ELECTRS INC COM COM 042735100 0 16 SH   SOLE NONE 16 0 0
FIRST TRUST CONSUMER ETF CONSUMR STAPLE 33734X119 770 17,122 SH   SOLE NONE 17,122 0 0
ANGIODYNAMICS INC COM 03475V101 4 285 SH   SOLE NONE 285 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 11 40 SH   SOLE NONE 40 0 0
HOWARD HUGHES CORP COM 44267D107 1 13 SH   SOLE NONE 13 0 0
ILLUMINA INC COM 452327109 17 85 SH   SOLE NONE 85 0 0
CONSOLIDATED EDISON INC COM COM 209115104 22 367 SH   SOLE NONE 367 0 0
RITE AID CORP COM COM 767754104 0 100 SH   SOLE NONE 100 0 0
PLAINS ALL AMERICAN PIPELINE LP UNIT LTD PARTN 726503105 30 642 SH   SOLE NONE 642 0 0
LILLY ELI & CO COM COM 532457108 9 119 SH   SOLE NONE 119 0 0
SCH US REIT ETF US REIT ETF 808524847 3 95 SH   SOLE NONE 95 0 0
SCHWAB US MID-CAP ETF US MID-CAP ETF 808524508 3,763 86,484 SH   SOLE NONE 85,980 0 504
AVON PRODS INC COM COM 054303102 0 0 SH   SOLE NONE 0 0 0
PPL CORP COM COM 69351T106 6 200 SH   SOLE NONE 200 0 0
ANADARKO PETE CORP COM 032511107 0 7 SH   SOLE NONE 7 0 0
FIDELITY NATL INFORMATION SVCS COM COM 31620M106 50 800 SH   SOLE NONE 800 0 0
SPDR S&P HEALTH CARE EQUIPMENT ETF HLTH CR EQUIP 78464A581 2 29 SH   SOLE NONE 29 0 0
ACHILLION PHARMACEUTICALS INC COM COM 00448Q201 8 890 SH   SOLE NONE 890 0 0
FIXED INCOME COM 36467A107 2 200 SH   SOLE NONE 200 0 0
RPC INC COM 749660106 4 337 SH   SOLE NONE 337 0 0
AFLAC INC COM COM 001055102 10 171 SH   SOLE NONE 171 0 0
FREEPORT MCMORAN COPPER CL B 35671D857 0 45 SH   SOLE NONE 45 0 0
SYSCO CORP COM COM 871829107 14 400 SH   SOLE NONE 400 0 0
ISHARES TR DOW JONESUS AEROSPACE & DEF U.S. AER&DEF ETF 464288760 3,234 26,607 SH   SOLE NONE 26,607 0 0
UNDER ARMOUR INC CL A 904311107 14 180 SH   SOLE NONE 180 0 0
COCA COLA BOTTLING CO CONS COM COM 191098102 3 30 SH   SOLE NONE 30 0 0
ISHARES DJ SELECT DIVIDEND SELECT DIVID ETF 464287168 153 1,953 SH   SOLE NONE 1,953 0 0
AMERICAN ELEC PWR INC COM COM 025537101 3 63 SH   SOLE NONE 63 0 0
EVERSOURCE ENERGY COM COM 30040W108 54 1,109 SH   SOLE NONE 1,109 0 0
BROWN FORMAN CORP CL B CL B 115637209 8 91 SH   SOLE NONE 91 0 0
ISHARES RUSSELL MIDCAP GROWTH ETF RUS MD CP GR ETF 464287481 17 174 SH   SOLE NONE 174 0 0
MARATHON PETE CORP COM 56585A102 11 109 SH   SOLE NONE 109 0 0
VANGUARD SMALL CAP VALUE ETF SM CP VAL ETF 922908611 9 90 SH   SOLE NONE 90 0 0
NBT BANCORP INC COM 628778102 166 6,758 SH   SOLE NONE 6,758 0 0
BRUKER BIOSCIENCES CORP COM 116794108 9 499 SH   SOLE NONE 499 0 0
MICROVISION INC COM NEW 594960304 1 313 SH   SOLE NONE 313 0 0
ALLERGAN PLC SHS SHS G0177J108 1 6 SH   SOLE NONE 6 0 0
FORTUNE BRANDS HOME & SECURITY INC WI COM 34964C106 5 110 SH   SOLE NONE 110 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 65 1,646 SH   SOLE NONE 1,646 0 0
XYLEM INC COM COM 98419M100 7 212 SH   SOLE NONE 212 0 0
TRACTOR SUPPLY CO COM 892356106 25 292 SH   SOLE NONE 292 0 0
VISA INC COM CL A 92826C839 35 520 SH   SOLE NONE 520 0 0
ISHARES INTERNATIONAL PREFERRED STOCK ETF INTL PFD STK ETF 46429B135 0 19 SH   SOLE NONE 19 0 0
HERSHEY CO COM COM 427866108 34 376 SH   SOLE NONE 376 0 0
KELLOGG CO COM COM 487836108 3 57 SH   SOLE NONE 57 0 0
WORLDPAY INC CL A CL A 92210H105 1 46 SH   SOLE NONE 46 0 0
WMI HOLDINGS CORP. COM 92936P100 0 4 SH   SOLE NONE 4 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 142 1,664 SH   SOLE NONE 1,664 0 0
SPLUNK INC COM COM 848637104 10 154 SH   SOLE NONE 154 0 0
ENERPLUS CORP COM 292766102 0 47 SH   SOLE NONE 47 0 0
PHILLIPS 66 COM 718546104 12 156 SH   SOLE NONE 156 0 0
AMERICAN TOWER CORP COM 03027X100 3 33 SH   SOLE NONE 33 0 0
WESTERN ASSET MTGE CAP CORP COM COM 95790D105 18 1,213 SH   SOLE NONE 1,213 0 0
FACEBOOK INC CL A CL A 30303M102 67 848 SH   SOLE NONE 848 0 0
ISHARES EMERGING MARKETS HIGH YIELD BOND FUND EM HGHYL BD ETF 464286285 0 8 SH   SOLE NONE 8 0 0
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 48 645 SH   SOLE NONE 645 0 0
BANCO SANTANDER CENT HISP ADR 05964H105 4 646 SH   SOLE NONE 646 0 0
SERVICE NOW INC COM 81762P102 13 177 SH   SOLE NONE 177 0 0
PALO ALTO NETWORKS INC COM COM 697435105 15 94 SH   SOLE NONE 94 0 0
CELGENE CORP COM 151020104 9 85 SH   SOLE NONE 85 0 0
RYDEX S&P CNSMR DISCRETIONARY GUG S&P SC500 EQ 78355W882 5 65 SH   SOLE NONE 65 0 0
PENTAIR PLC SHS SHS G7S00T104 7 118 SH   SOLE NONE 118 0 0
MONDELEZ INTL INC CL A CL A 609207105 36 879 SH   SOLE NONE 879 0 0
METLIFE INC COM COM 59156R108 19 381 SH   SOLE NONE 381 0 0
WD-40 CO COM COM 929236107 5 62 SH   SOLE NONE 62 0 0
HEXCEL CORP NEW COM COM 428291108 12 253 SH   SOLE NONE 253 0 0
KINDER MORGAN INC COM 49456B101 72 1,757 SH   SOLE NONE 1,757 0 0
OMNICOM GROUP INC COM COM 681919106 76 1,023 SH   SOLE NONE 1,023 0 0
BT GROUP PLC ADR ADR 05577E101 4 65 SH   SOLE NONE 65 0 0
NEOGENOMICS INC COM NEW COM NEW 64049M209 1 300 SH   SOLE NONE 300 0 0
KROGER CO COM COM 501044101 0 11 SH   SOLE NONE 11 0 0
ENBRIDGE INC COM COM 29250N105 24 503 SH   SOLE NONE 503 0 0
ARTESIAN RES CORP CL A CL A 043113208 8 413 SH   SOLE NONE 413 0 0
NVIDIA CORP COM 67066G104 15 688 SH   SOLE NONE 688 0 0
ISHARES 1-3 YR CREDIT BOND ETF 1-3 YR CR BD ETF 464288646 73 696 SH   SOLE NONE 696 0 0
ISHARES TR LEHMAN SHORT TREA BDFD SHRT TRS BD ETF 464288679 6,061 54,968 SH   SOLE NONE 54,968 0 0
WESTERN DIGITAL CORP COM COM 958102105 3 35 SH   SOLE NONE 35 0 0
ARCHER DANIELS MIDLAND CO COM COM 039483102 3 57 SH   SOLE NONE 57 0 0
BALL CORP COM COM 058498106 22 312 SH   SOLE NONE 312 0 0
CUMMINS INC COM COM 231021106 9 71 SH   SOLE NONE 71 0 0
EOG RESOURCES INC COM 26875P101 20 234 SH   SOLE NONE 234 0 0
GRAINGER W W INC COM COM 384802104 0 3 SH   SOLE NONE 3 0 0
ABBVIE INC COM COM 00287Y109 133 2,003 SH   SOLE NONE 2,003 0 0
S&P GLOBAL INC COM COM 580645109 8 82 SH   SOLE NONE 82 0 0
SPDR S&P HOMEBUILDERETF S&P HOMEBUILD 78464A888 8 244 SH   SOLE NONE 244 0 0
AECOM TECHNOLOGY CORP COM 00766T100 5 161 SH   SOLE NONE 161 0 0
MANULIFE FINL CORP COM COM 56501R106 8 464 SH   SOLE NONE 464 0 0
CASEYS GEN STORES INC COM 147528103 29 340 SH   SOLE NONE 340 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 44 546 SH   SOLE NONE 546 0 0
NORTHWEST NAT GAS CO COM COM 667655104 21 473 SH   SOLE NONE 473 0 0
BLACKBERRY LTD COM COM 09228F103 0 25 SH   SOLE NONE 25 0 0
MACYS INC COM COM 55616P104 0 8 SH   SOLE NONE 8 0 0
TRUSTCO BANK CM COM 898349105 18 2,676 SH   SOLE NONE 2,676 0 0
ZIMMER HLDGS INC COM 98956P102 4 40 SH   SOLE NONE 40 0 0
ROCKWELL AUTOMATION INC COM COM 773903109 15 124 SH   SOLE NONE 124 0 0
RAYTHEON CO COM NEW COM NEW 755111507 24 232 SH   SOLE NONE 232 0 0
QUALCOMM INC COM COM 747525103 39 561 SH   SOLE NONE 561 0 0
QUINTILES TRANSNATIONAL CORP COM COM 74876Y101 13 195 SH   SOLE NONE 195 0 0
GENERAL DYNAMICS CORP COM COM 369550108 257 1,836 SH   SOLE NONE 1,836 0 0
DISCOVER FINANCIAL SERVICES LLC COM 254709108 1 23 SH   SOLE NONE 23 0 0
HAIN CELESTIAL GROUPINC COM 405217100 12 200 SH   SOLE NONE 200 0 0
MCDONALDS CORP COM COM 580135101 56 585 SH   SOLE NONE 585 0 0
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104 22 96 SH   SOLE NONE 96 0 0
CISCO SYS INC COM 17275R102 49 1,680 SH   SOLE NONE 1,680 0 0
CAPITAL ONE FINANCIAL CORP COM 14040H105 9 113 SH   SOLE NONE 113 0 0
APACHE CORP COM COM 037411105 0 14 SH   SOLE NONE 14 0 0
AUTODESK INC COM 052769106 10 191 SH   SOLE NONE 191 0 0
MALLINCKRODT PUB LTD CO SHS SHS G5785G107 0 4 SH   SOLE NONE 4 0 0
AT&T INC COM COM 00206R102 307 8,897 SH   SOLE NONE 8,897 0 0
ENERGY SELECT SECTOR SPDR SBI INT-ENERGY 81369Y506 15 195 SH   SOLE NONE 195 0 0
ISHARES DOW JONES US CONSUMER GOODS U.S. CNSM GD ETF 464287812 0 2 SH   SOLE NONE 2 0 0
ISHARES NASDAQ BIOTECHNOLOGY NASDQ BIOTEC ETF 464287556 4,281 11,728 SH   SOLE NONE 11,728 0 0
GENERAL ELECTRIC CO COM COM 369604103 6,411 235,119 SH   SOLE NONE 235,119 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 14 159 SH   SOLE NONE 159 0 0
TIME WARNER INC COM NEW 887317303 3 45 SH   SOLE NONE 45 0 0
MOTOROLA SOLUTIONS INC COM NEW COM NEW 620076307 0 10 SH   SOLE NONE 10 0 0
FIREEYE INC COM COM 31816Q101 109 2,350 SH   SOLE NONE 2,350 0 0
ISHARES TR DOW JONES U S FINL SVCS U.S. FIN SVC ETF 464287770 39 427 SH   SOLE NONE 427 0 0
CNH INDUSTRIAL NV COM EUR0.01 SHS N20944109 0 34 SH   SOLE NONE 34 0 0
NETAPP INC COM 64110D104 2 87 SH   SOLE NONE 87 0 0
SKYWORKS SOLUTIONS INC COM COM 83088M102 13 119 SH   SOLE NONE 119 0 0
ISHARES DJ US BASIC MATERIALS U.S. BAS MTL ETF 464287838 2 30 SH   SOLE NONE 30 0 0
KAYNE ANDERSON ENERGY TOTAL RETURN FD INC COM 48660P104 0 6 SH   SOLE NONE 6 0 0
TWITTER INC COM COM 90184L102 8 235 SH   SOLE NONE 235 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 60 643 SH   SOLE NONE 643 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 42 364 SH   SOLE NONE 364 0 0
ALLEGION PLC ORD SHS G0176J109 4 66 SH   SOLE NONE 66 0 0
CIGNA CORP COM 125509109 26 185 SH   SOLE NONE 185 0 0
ROSS STORES INC COM 778296103 2 24 SH   SOLE NONE 24 0 0
SUNTRUST BANKS INC COM 867914103 0 13 SH   SOLE NONE 13 0 0
WELLS FARGO CO NEW COM COM 949746101 36 648 SH   SOLE NONE 648 0 0
CONCHO RESOURCES COM 20605P101 11 92 SH   SOLE NONE 92 0 0
ECOLAB INC COM COM 278865100 15 136 SH   SOLE NONE 136 0 0
ISHARES 10-20 YR TREASURY ETF 10-20 YR TRS ETF 464288653 0 3 SH   SOLE NONE 3 0 0
SALESFORCE COM COM 79466L302 13 180 SH   SOLE NONE 180 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 12 264 SH   SOLE NONE 264 0 0
MCCORMICK & CO INC COM NON VTG COM NON VTG 579780206 5 72 SH   SOLE NONE 72 0 0
PITNEY BOWES INC COM COM 724479100 3 180 SH   SOLE NONE 180 0 0
NORTHROP GRUMMAN CORP COM COM 666807102 8 51 SH   SOLE NONE 51 0 0
THERMO FISHER SCIENTIFIC INC COM COM 883556102 4 31 SH   SOLE NONE 31 0 0
PROSPECT CAPITAL CORPORATION COM 74348T102 23 2,949 SH   SOLE NONE 2,949 0 0
LOCKHEED MARTIN CORP COM 539830109 479 2,545 SH   SOLE NONE 2,545 0 0
JPMORGAN CHASE & CO COM COM 46625H100 105 1,602 SH   SOLE NONE 1,602 0 0
INTL PAPER CO COM COM 460146103 38 743 SH   SOLE NONE 743 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 11 268 SH   SOLE NONE 268 0 0
CHEVRON CORP NEW COM COM 166764100 83 812 SH   SOLE NONE 812 0 0
CONOCOPHILLIPS COM COM 20825C104 33 529 SH   SOLE NONE 529 0 0
EXPRESS SCRIPTS INC COM 30219G108 25 295 SH   SOLE NONE 295 0 0
KOHLS CORP COM 500255104 1 28 SH   SOLE NONE 28 0 0
KRATOS DEFENSE & SECSOLUTIONS COM COM NEW 50077B207 0 100 SH   SOLE NONE 100 0 0
TJX COS INC NEW COM COM 872540109 15 239 SH   SOLE NONE 239 0 0
BANK AMER CORP COM COM 060505104 20 1,249 SH   SOLE NONE 1,249 0 0
BLACKROCK CORPORATE HIGH YIELD FD VI INC COM 09255P107 3 323 SH   SOLE NONE 323 0 0
WALMART INC COM COM 931142103 90 1,217 SH   SOLE NONE 1,217 0 0
ISHARES 3-7 YR TREASURY BOND ETF 3-7 YR TR BD ETF 464288661 40 331 SH   SOLE NONE 331 0 0
INTL BUSINESS MACHINES COM 459200101 465 2,745 SH   SOLE NONE 2,745 0 0
ORACLE CORPORATION COM 68389X105 20 470 SH   SOLE NONE 470 0 0
UNITED TECHNOLOGIES CORP COM COM 913017109 78 667 SH   SOLE NONE 667 0 0
TARGET CORP COM COM 87612E106 2 26 SH   SOLE NONE 26 0 0
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADR ADR 881624209 12 206 SH   SOLE NONE 206 0 0
FIRST TRUST DORSEY WRIGHT FOCUS 5 ETF DORSEY WRT 5 ETF 33738R605 35 1,455 SH   SOLE NONE 1,455 0 0
PFIZER INC COM COM 717081103 84 2,433 SH   SOLE NONE 2,433 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 0 3 SH   SOLE NONE 3 0 0
MORGAN STANLEY COM NEW 617446448 0 25 SH   SOLE NONE 25 0 0
3M CO COM COM 88579Y101 79 502 SH   SOLE NONE 502 0 0
HP INC COM COM 40434L105 3 102 SH   SOLE NONE 102 0 0
GILEAD SCIENCES INC COM 375558103 111 989 SH   SOLE NONE 989 0 0
CATERPILLAR INC DEL COM COM 149123101 134 1,573 SH   SOLE NONE 1,573 0 0
NUVEEN ALL CAP ENERGY MLP OPPORTUNITIES FD COM COM 67075E108 3 215 SH   SOLE NONE 215 0 0
AEROHIVE NETWORKS INC COM 007786106 2 400 SH   SOLE NONE 400 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 36 68 SH   SOLE NONE 68 0 0
AMERICAN EXPRESS CO COM COM 025816109 1 21 SH   SOLE NONE 21 0 0
AMGEN INC COM 031162100 54 350 SH   SOLE NONE 350 0 0
ANALOG DEVICES INC COM COM 032654105 10 156 SH   SOLE NONE 156 0 0
ZOES KITCHEN INC COM COM 98979J109 4 150 SH   SOLE NONE 150 0 0
FIRST TR EXCHANGE TRADED FD AMEX BIOTECHNOLOGY INDEX NY ARCA BIOTECH 33733E203 1,287 10,419 SH   SOLE NONE 10,419 0 0
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 762 11,368 SH   SOLE NONE 11,368 0 0
TRANSDIGM GROUP INC COM DELAWARE COM 893641100 2 9 SH   SOLE NONE 9 0 0
HUMANA INC COM COM 444859102 46 217 SH   SOLE NONE 217 0 0
AMERIGAS PARTNERS LP UNITS LTD PARTNERSHIP INT UNIT L P INT 030975106 11 237 SH   SOLE NONE 237 0 0
CHINA LIFE INSURANCE CO LTD SPONSORED ADR REPSTG H SHS SPON ADR REP H 16939P106 5 210 SH   SOLE NONE 210 0 0
NEWFIELD EXPLORATION CO COM 651290108 1 38 SH   SOLE NONE 38 0 0
WILLIAMS PARTNERS L P NEW COM UNIT LTD PAR COM UNIT LTD PAR 96949L105 6 115 SH   SOLE NONE 115 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 7 125 SH   SOLE NONE 125 0 0
ISHARES DJ US CONSUMER SERVICES U.S. CNSM SV ETF 464287580 1,346 9,335 SH   SOLE NONE 9,335 0 0
CHIMERA INVT CORP COM NEW COM NEW 16934Q208 6 428 SH   SOLE NONE 428 0 0
GOPRO INC CL A CL A 38268T103 16 300 SH   SOLE NONE 300 0 0
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM FNF GROUP COM 31620R303 37 1,000 SH   SOLE NONE 1,000 0 0
VERITIV CORP COM 923454102 0 12 SH   SOLE NONE 12 0 0
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 57 522 SH   SOLE NONE 522 0 0
EATON CORP PLC SHS SHS G29183103 39 550 SH   SOLE NONE 550 0 0
ISHARES TR DOW JONESUS BROKER DEALERS INDEX FD US BR DEL SE ETF 464288794 3,640 83,279 SH   SOLE NONE 83,279 0 0
ISHARES S&P MIDCAP 400 GROWTH INDEX S&P MC 400GR ETF 464287606 1,279 7,468 SH   SOLE NONE 7,468 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS SPONSORED ADS 01609W102 31 350 SH   SOLE NONE 350 0 0
CITIZENS FINL GROUP INC COM COM 174610105 1 70 SH   SOLE NONE 70 0 0
CDK GLOBAL INC COM COM 12508E101 8 166 SH   SOLE NONE 166 0 0
HALYARD HEALTH INC COM COM 40650V100 0 9 SH   SOLE NONE 9 0 0
BLACKROCK SCIENCE & TECH TR SHS SHS 09258G104 40 2,250 SH   SOLE NONE 2,250 0 0
ANHEUSER BUSCH SPONSORED ADR 03524A108 14 119 SH   SOLE NONE 119 0 0
ALLIANT ENERGY CORP COM COM 018802108 6 100 SH   SOLE NONE 100 0 0
PLUG PWR INC COM NEW 72919P202 19 7,055 SH   SOLE NONE 7,055 0 0
CRACKER BARREL INC COM 22410J106 8 59 SH   SOLE NONE 59 0 0
GOLDMAN SACHS MLP ENERGY RENAI COM COM 38148G107 14 1,000 SH   SOLE NONE 1,000 0 0
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 66 827 SH   SOLE NONE 827 0 0
FLUOR CORP COM 343412102 5 100 SH   SOLE NONE 100 0 0
GARTNER INC CL A COM 366651107 61 700 SH   SOLE NONE 700 0 0
HELMERICH & PAYNE INC COM COM 423452101 74 1,023 SH   SOLE NONE 1,023 0 0
ZIX CORP COM COM 98974P100 1 300 SH   SOLE NONE 300 0 0
PHILIP MORRIS INTL INC COM 718172109 82 996 SH   SOLE NONE 996 0 0
TRINITY INDS INC COM COM 896522109 122 4,100 SH   SOLE NONE 4,100 0 0
PNC FINL SVCS GROUP INC COM COM 693475105 9 97 SH   SOLE NONE 97 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 159 2,473 SH   SOLE NONE 2,473 0 0
ISHARES S&P GLOBAL ENERGY GLOBAL ENERG ETF 464287341 2 75 SH   SOLE NONE 75 0 0
REALTY INCOME CORP COM 756109104 2 51 SH   SOLE NONE 51 0 0
ALTRIA GROUP INC COM COM 02209S103 154 3,023 SH   SOLE NONE 3,023 0 0
DOMINION RESOURCES INC COM 25746U109 12 182 SH   SOLE NONE 182 0 0
CITIGROUP INC COM NEW 172967424 152 2,828 SH   SOLE NONE 2,828 0 0
AMERICAN WTR WKS CO INC NEW COM COM 030420103 14 279 SH   SOLE NONE 279 0 0
3D SYSTEMS CORPORATION COM NEW 88554D205 0 20 SH   SOLE NONE 20 0 0
VIRTUS INVESTMENT PARTNERS, INC. COM 92828Q109 1 13 SH   SOLE NONE 13 0 0
EXXON MOBIL CORP COM COM 30231G102 389 4,576 SH   SOLE NONE 4,576 0 0
UNITEDHEALTH GROUP COM 91324P102 51 432 SH   SOLE NONE 432 0 0
TRAVELERS COMPANIES INC COM COM 89417E109 58 580 SH   SOLE NONE 580 0 0
LOWES COS INC COM COM 548661107 1 22 SH   SOLE NONE 22 0 0
LINCOLN NATL CORP IND COM COM 534187109 0 14 SH   SOLE NONE 14 0 0
ROYAL DUTCH SHELL PLC SPON ADR B SPON ADR B 780259107 0 13 SH   SOLE NONE 13 0 0
DEERE & CO COM COM 244199105 1 15 SH   SOLE NONE 15 0 0
VIRTU FINL INC CL A CL A 928254101 394 18,000 SH   SOLE NONE 18,000 0 0
SOUTHWEST AIRLS CO COM COM 844741108 101 2,750 SH   SOLE NONE 2,750 0 0
PATTERSON DENTAL CO COM 703395103 28 600 SH   SOLE NONE 600 0 0
UNITI GROUP INC COM COM 20341J104 1 63 SH   SOLE NONE 63 0 0
COLGATE PALMOLIVE CO COM COM 194162103 106 1,589 SH   SOLE NONE 1,589 0 0
ISHARES DJ US PHARMA INDEX F U.S. PHARMA ETF 464288836 4,184 23,619 SH   SOLE NONE 23,619 0 0
AMERICAN INTL GROUP INC COM NEW COM NEW 026874784 7 128 SH   SOLE NONE 128 0 0
VODAFONE GROUP NEW ADR F SPNSR ADR NO PAR 92857W308 0 9 SH   SOLE NONE 9 0 0
UTILITIES SELECT SECTOR SPDR FUND SBI INT-UTILS 81369Y886 8 200 SH   SOLE NONE 200 0 0
TELLURIAN INC NEW COM COM NEW 559091608 0 393 SH   SOLE NONE 393 0 0
CHARLES SCHWAB CORP COM 808513105 73 2,315 SH   SOLE NONE 2,315 0 0
ACTIVISION INC COM 00507V109 1 66 SH   SOLE NONE 66 0 0
BAIDU COM ADR SPON ADR REP A 056752108 17 88 SH   SOLE NONE 88 0 0
CARDINAL HEALTH INC COM 14149Y108 7 90 SH   SOLE NONE 90 0 0
CBRE GROUP INC A CL A 12504L109 24 635 SH   SOLE NONE 635 0 0
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 3,568 23,428 SH   SOLE NONE 23,428 0 0
KADANT INC COM 48282T104 4 100 SH   SOLE NONE 100 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 4 75 SH   SOLE NONE 75 0 0
APPLE INC COM 037833100 479 3,682 SH   SOLE NONE 3,682 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR SPONSORED ADR 37733W105 19 443 SH   SOLE NONE 443 0 0
ABBOTT LABS COM COM 002824100 111 2,302 SH   SOLE NONE 2,302 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 114 1,038 SH   SOLE NONE 1,038 0 0