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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR IVV ETF 464287200   77,838 148,057 SH   SOLE   141,309 0 6,748
INVESCO QQQ TR ETF 46090E103   52,106 117,354 SH   SOLE   111,059 0 6,295
MICROSOFT CORP COM 594918104   34,123 81,106 SH   SOLE   76,426 0 4,680
SPDR S&P 500 ETF TR SPY ETF 78462F103   27,920 53,376 SH   SOLE   51,798 0 1,578
ISHARES TR IJH ETF 464287507   21,899 360,538 SH   SOLE   346,105 0 14,433
APPLE INC COM 037833100   21,305 124,243 SH   SOLE   119,116 0 5,127
ELI LILLY & CO COM 532457108   19,916 25,601 SH   SOLE   23,987 0 1,614
VISA INC COM 92826C839   19,310 69,191 SH   SOLE   65,391 0 3,800
NVIDIA CORPORATION COM 67066G104   18,550 20,530 SH   SOLE   19,428 0 1,102
ISHARES TR IJR ETF 464287804   18,465 167,071 SH   SOLE   157,856 0 9,215
JPMORGAN CHASE & CO COM 46625H100   15,712 78,441 SH   SOLE   74,385 0 4,056
UNITEDHEALTH GROUP INC COM 91324P102   14,974 30,268 SH   SOLE   29,123 0 1,145
MCDONALDS CORP COM 580135101   13,530 47,986 SH   SOLE   45,274 0 2,712
ISHARES TR ITOT ETF 464287150   11,797 102,315 SH   SOLE   95,302 0 7,013
FIDELITY COVINGTON TR FTEC ETF 316092808   9,456 60,678 SH   SOLE   57,448 0 3,230
COSTCO WHSL CORP NEW COM 22160K105   8,969 12,243 SH   SOLE   11,643 0 600
LOCKHEED MARTIN CORP COM 539830109   8,444 18,562 SH   SOLE   17,731 0 831
MASTERCARD INCORPORATED COM 57636Q104   8,331 17,300 SH   SOLE   16,269 0 1,031
ALPHABET INC GOOGL CAP CL A 02079K305   8,144 53,958 SH   SOLE   52,117 0 1,841
JOHNSON & JOHNSON COM 478160104   7,945 50,224 SH   SOLE   47,626 0 2,598
WALMART INC COM 931142103   7,212 119,856 SH   SOLE   112,164 0 7,692
ISHARES TR IEFA ETF 46432F842   7,159 96,454 SH   SOLE   92,066 0 4,388
AMAZON COM INC COM 023135106   6,969 38,637 SH   SOLE   35,739 0 2,898
SPDR DOW JONES INDL DIA ETF 78467X109   6,847 17,214 SH   SOLE   16,181 0 1,033
HOME DEPOT INC COM 437076102   6,384 16,642 SH   SOLE   15,749 0 893
SELECT SECTOR SPDR XLE ETF 81369Y506   6,211 65,785 SH   SOLE   63,353 0 2,432
PEPSICO INC COM 713448108   5,783 33,043 SH   SOLE   31,795 0 1,248
VANGUARD INDEX VOE ETF 922908512   5,591 35,860 SH   SOLE   34,328 0 1,532
VANGUARD MID CAP VO ETF 922908629   4,711 18,855 SH   SOLE   18,288 0 567
ISHARES TR MC IJJ ETF 464287705   4,607 38,951 SH   SOLE   36,811 0 2,140
META PLATFORMS INC CL A 30303M102   3,939 8,111 SH   SOLE   7,676 0 435
ISHARES INC IEMG ETF 46434G103   3,927 76,106 SH   SOLE   72,551 0 3,555
PROCTER AND GAMBLE CO COM 742718109   3,528 21,744 SH   SOLE   21,015 0 729
EXXON MOBIL CORP COM 30231G102   3,516 30,244 SH   SOLE   24,967 0 5,277
THE CIGNA GROUP COM 125523100   2,621 7,216 SH   SOLE   6,431 0 785
VANGUARD INDEX FDS VTV ETF 922908744   2,588 15,891 SH   SOLE   15,891 0 0
BLACKSTONE INC COM 09260D107   2,416 18,388 SH   SOLE   16,676 0 1,712
ISHARES TR LQD ETF 464287242   2,198 20,184 SH   SOLE   20,114 0 70
NOVO-NORDISK A S ADR 670100205   1,909 14,871 SH   SOLE   14,155 0 716
AMGEN INC COM 031162100   1,900 6,682 SH   SOLE   6,464 0 218
ISHARES TR SHY ETF 464287457   1,791 21,900 SH   SOLE   21,420 0 480
ORACLE CORP COM 68389X105   1,755 13,974 SH   SOLE   13,655 0 319
ISHARES TR IJS ETF 464287879   1,678 16,332 SH   SOLE   15,860 0 472
UNION PAC CORP COM 907818108   1,633 6,640 SH   SOLE   6,640 0 0
CHEVRON CORP NEW COM 166764100   1,610 10,204 SH   SOLE   9,813 0 391
ELEVANCE HEALTH INC COM 036752103   1,448 2,793 SH   SOLE   2,793 0 0
ISHARES TR AGG ETF 464287226   1,440 14,702 SH   SOLE   14,684 0 18
VANGUARD INDEX FDS VTI ETF 922908769   1,403 5,398 SH   SOLE   5,353 0 45
ABBVIE INC COM 00287Y109   1,399 7,684 SH   SOLE   7,684 0 0
ISHARES TR PFF ETF 464288687   1,312 40,704 SH   SOLE   40,283 0 421
ABBOTT LABS COM 002824100   1,213 10,676 SH   SOLE   10,676 0 0
FIDELITY MERRIMACK FBND ETF 316188309   1,198 26,438 SH   SOLE   26,007 0 431
CATERPILLAR INC COM 149123101   1,168 3,187 SH   SOLE   3,131 0 56
ISHARES TR IVE ETF 464287408   1,150 6,158 SH   SOLE   6,158 0 0
UNITED THERAPEUTICS CORP COM 91307C102   1,149 5,000 SH   SOLE   5,000 0 0
VERIZON COMM COM 92343V104   1,136 27,083 SH   SOLE   24,849 0 2,234
DOLLAR GEN CORP NEW COM 256677105   1,096 7,023 SH   SOLE   5,373 0 1,650
VANGUARD INDEX FDS VBR ETF 922908611   1,090 5,683 SH   SOLE   5,571 0 112
ISHARES TR IEF ETF 464287440   1,062 11,216 SH   SOLE   11,209 0 7
INVESCO EXCH TRADED VRP ETF 46138G870   1,034 43,499 SH   SOLE   43,499 0 0
DICKS SPORTING GOODS COM 253393102   1,011 4,494 SH   SOLE   4,266 0 228
MERCK & CO INC COM 58933Y105   978 7,414 SH   SOLE   7,414 0 0
BLACKROCK INC COM 09247X101   970 1,163 SH   SOLE   1,055 0 108
GENERAL MLS INC COM 370334104   954 13,634 SH   SOLE   13,634 0 0
VANGUARD INDEX VOO ETF 922908363   942 1,960 SH   SOLE   1,445 0 515
SANOFI ADR 80105N105   899 18,500 SH   SOLE   18,500 0 0
PARKER-HANNIFIN CORP COM 701094104   779 1,402 SH   SOLE   1,344 0 58
INTL BUS MACH IBM COM 459200101   766 4,012 SH   SOLE   3,921 0 91
WASTE MGMT INC DEL COM 94106L109   753 3,532 SH   SOLE   3,532 0 0
EATON CORP PLC SHS G29183103   715 2,288 SH   SOLE   2,288 0 0
DARDEN RESTAURANTS INC COM 237194105   692 4,140 SH   SOLE   4,140 0 0
HONEYWELL INTL INC COM 438516106   654 3,186 SH   SOLE   2,886 0 300
COCA COLA CO COM 191216100   631 10,319 SH   SOLE   10,219 0 100
ISHARES TR IWF ETF 464287614   609 1,808 SH   SOLE   1,808 0 0
VANGUARD INDEX FDS VUG ETF 922908736   591 1,718 SH   SOLE   1,718 0 0
VANGUARD BD INDEX BND ETF 921937835   578 7,952 SH   SOLE   7,883 0 69
ENTERPRISE PRODS PART COM 293792107   570 19,526 SH   SOLE   19,526 0 0
VANGUARD INDEX VXF ETF 922908652   547 3,120 SH   SOLE   1,081 0 2,039
AT&T INC COM 00206R102   541 30,718 SH   SOLE   29,894 0 824
INGREDION INC COM 457187102   540 4,625 SH   SOLE   4,625 0 0
ADVANCED MICRO DEV COM 007903107   517 2,865 SH   SOLE   2,529 0 336
AMER STATES WTR CO COM 029899101   506 7,000 SH   SOLE   7,000 0 0
RTX CORPORATION COM 75513E101   491 5,035 SH   SOLE   4,988 0 47
ENERGY TRANSFER L P LP 29273V100   475 30,200 SH   SOLE   30,200 0 0
GENERAL ELECTRIC CO COM 369604301   464 2,645 SH   SOLE   2,645 0 0
TAIWAN SEMICONDUCTOR ADS 874039100   462 3,398 SH   SOLE   3,398 0 0
TJX COS INC NEW COM 872540109   460 4,540 SH   SOLE   4,540 0 0
PFIZER INC COM 717081103   458 16,496 SH   SOLE   16,496 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   446 1,067 SH   SOLE   1,067 0 0
ISHARES TR IBB ETF 464287556   440 3,209 SH   SOLE   3,189 0 20
VALERO ENERGY CORP COM 91913Y100   434 2,542 SH   SOLE   1,172 0 1,370
ISHARES TR TIP ETF 464287176   406 3,775 SH   SOLE   3,775 0 0
DISNEY WALT CO COM 254687106   386 3,155 SH   SOLE   3,155 0 0
ISHARES TR IWR ETF 464287499   380 4,520 SH   SOLE   4,520 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   374 6,894 SH   SOLE   6,894 0 0
ALPHABET INC GOOG CAP CL C 02079K107   371 2,440 SH   SOLE   2,200 0 240
ISHARES TR OEF ETF 464287101   367 1,484 SH   SOLE   1,474 0 10
TESLA INC COM 88160R101   367 2,088 SH   SOLE   2,088 0 0
SPDR SER TR SDY ETF 78464A763   360 2,746 SH   SOLE   2,746 0 0
M & T BK CORP COM 55261F104   358 2,461 SH   SOLE   2,461 0 0
SPDR SER TR JNK ETF 78468R622   352 3,697 SH   SOLE   3,624 0 73
UNITED PARCEL SERVICE INC COM 911312106   349 2,349 SH   SOLE   2,349 0 0
DUKE ENERGY CORP NEW COM 26441C204   349 3,605 SH   SOLE   3,605 0 0
PROTAGONIST THERAP COM 74366E102   347 12,000 SH   SOLE   12,000 0 0
BROADCOM INC COM 11135F101   336 254 SH   SOLE   254 0 0
CASEYS GEN STORES INC COM 147528103   334 1,050 SH   SOLE   1,050 0 0
NOVARTIS AG ADR 66987V109   334 3,450 SH   SOLE   2,450 0 1,000
SNOWFLAKE INC CL A 833445109   330 2,041 SH   SOLE   2,041 0 0
ISHARES TR TLT ETF 464287432   322 3,405 SH   SOLE   3,405 0 0
ALTRIA GROUP INC COM 02209S103   321 7,369 SH   SOLE   7,369 0 0
BANK AMERICA CORP COM 060505104   312 8,226 SH   SOLE   8,226 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   306 954 SH   SOLE   954 0 0
BOEING CO COM 097023105   304 1,574 SH   SOLE   1,574 0 0
QUALCOMM INC COM 747525103   297 1,757 SH   SOLE   1,757 0 0
SELECT SECTOR SPDR TR XLK ETF 81369Y803   293 1,406 SH   SOLE   1,406 0 0
NEXTERA ENERGY INC COM 65339F101   292 4,568 SH   SOLE   304 0 4,264
ISHARES TR IWD ETF 464287598   276 1,543 SH   SOLE   1,543 0 0
ARROW FINL CORP COM 042744102   276 10,912 SH   SOLE   10,353 0 559
DOW INC COM 260557103   274 4,730 SH   SOLE   4,530 0 200
CONOCOPHILLIPS COM 20825C104   273 2,146 SH   SOLE   2,146 0 0
SOUTHERN CO COM 842587107   266 3,709 SH   SOLE   3,376 0 333
CISCO SYS INC COM 17275R102   263 5,278 SH   SOLE   5,278 0 0
ISHARES TR IWB ETF 464287622   257 892 SH   SOLE   892 0 0
FIDELITY COVINGTON TR FELC ETF 316092113   254 8,623 SH   SOLE   8,623 0 0
WD 40 CO COM 929236107   254 1,002 SH   SOLE   872 0 130
AMETEK INC COM 031100100   250 1,365 SH   SOLE   1,365 0 0
GUGGENHEIM TAXABLE COM 401664107   245 15,049 SH   SOLE   15,049 0 0
TELUS CORPORATION COM 87971M103   235 14,670 SH   SOLE   14,670 0 0
HOLOGIC INC COM 436440101   234 3,000 SH   SOLE   3,000 0 0
WENDYS CO COM 95058W100   229 12,137 SH   SOLE   10,637 0 1,500
BLACKSTONE SECD LENDING FD COM 09261X102   218 7,000 SH   SOLE   7,000 0 0
SPDR GOLD TR GLD ETF 78463V107   215 1,046 SH   SOLE   1,046 0 0
TRUSTCO BK CORP N Y COM 898349204   214 7,598 SH   SOLE   7,598 0 0
DANAHER CORPORATION COM 235851102   208 834 SH   SOLE   834 0 0
PAYCHEX INC COM 704326107   208 1,692 SH   SOLE   1,692 0 0
FIDELITY COVINGTON TR FMDE ETF 31609A503   204 6,695 SH   SOLE   6,695 0 0
MONDELEZ INTL INC COM 609207105   204 2,913 SH   SOLE   2,913 0 0
EATON VANCE TAX ETB COM 27828X100   203 14,854 SH   SOLE   13,689 0 1,165
PRUDENTIAL FINL INC COM 744320102   202 1,719 SH   SOLE   1,097 0 622
SALESFORCE INC COM 79466L302   202 670 SH   SOLE   670 0 0
KEYCORP COM 493267108   161 10,214 SH   SOLE   10,214 0 0
NEVRO CORP COM 64157F103   147 10,200 SH   SOLE   10,200 0 0
FORD MTR CO DEL COM 345370860   139 10,455 SH   SOLE   3,455 0 7,000
SKEENA RES LTD NEW COM 83056P715   46 10,000 SH   SOLE   10,000 0 0
ALDEYRA THERAPEUTICS INC COM 01438T106   33 10,000 SH   SOLE   10,000 0 0
DAKOTA GOLD CORP COM 46655E100   31 13,000 SH   SOLE   13,000 0 0
HERON THERAPEUTICS INC COM 427746102   28 10,099 SH   SOLE   10,099 0 0