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
3M CO COM 88579Y101 639 3,990 SH   SOLE   3,990 0 0
ABBOTT LABS COM 002824100 962 8,840 SH   SOLE   8,840 0 0
ADVANCED MICRO DEVICES INC COM 007903107 7,213 87,974 SH   SOLE   87,974 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 9,502 32,323 SH   SOLE   32,323 0 0
ALPHABET INC CAP STK CL A 02079K305 16,882 11,519 SH   SOLE   11,519 0 0
AMAZON COM INC COM 023135106 11,024 3,501 SH   SOLE   3,501 0 0
APPLE INC COM 037833100 36,408 314,376 SH   SOLE   314,376 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 2,327 36,532 SH   SOLE   36,532 0 0
ARK ETF TR INNOVATION ETF 00214Q104 1,973 21,447 SH   SOLE   21,447 0 0
AT&T INC COM 00206R102 4,187 146,845 SH   SOLE   146,845 0 0
BAXTER INTL INC COM 071813109 261 3,250 SH   SOLE   3,250 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 401 1,885 SH   SOLE   1,885 0 0
BK OF AMERICA CORP COM 060505104 4,371 181,431 SH   SOLE   181,431 0 0
BOEING CO COM 097023105 1,378 8,338 SH   SOLE   8,338 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,640 43,787 SH   SOLE   43,787 0 0
CANADIAN NATL RY CO COM 136375102 571 5,360 SH   SOLE   5,360 0 0
CANOPY GROWTH CORP COM 138035100 240 16,792 SH   SOLE   16,792 0 0
CHEVRON CORP NEW COM 166764100 809 11,231 SH   SOLE   11,231 0 0
CISCO SYS INC COM 17275R102 3,261 82,775 SH   SOLE   82,775 0 0
CITIGROUP INC COM NEW 172967424 2,188 50,760 SH   SOLE   50,760 0 0
COCA COLA CO COM 191216100 1,739 35,218 SH   SOLE   35,218 0 0
COMCAST CORP NEW CL A 20030N101 280 6,053 SH   SOLE   6,053 0 0
DISCOVERY INC COM SER C 25470F302 369 16,940 SH   SOLE   16,940 0 0
DISNEY WALT CO COM DISNEY 254687106 4,870 39,252 SH   SOLE   39,252 0 0
DOMINION ENERGY INC COM 25746U109 317 4,018 SH   SOLE   4,018 0 0
DRAFTKINGS INC COM CL A 26142R104 2,915 49,537 SH   SOLE   49,537 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 301 3,404 SH   SOLE   3,404 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 290 3,635 SH   SOLE   3,635 0 0
EQUINIX INC COM 29444U700 5,613 7,384 SH   SOLE   7,384 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 3,407 119,645 SH   SOLE   119,645 0 0
EXXON MOBIL CORP COM 30231G102 616 17,930 SH   SOLE   17,930 0 0
FACEBOOK INC CL A 30303M102 13,374 51,067 SH   SOLE   51,067 0 0
FIRST SOLAR INC COM 336433107 2,383 36,000 SH   SOLE   36,000 0 0
GENERAL ELECTRIC CO COM 369604103 267 42,804 SH   SOLE   42,804 0 0
HONEYWELL INTL INC COM 438516106 844 5,127 SH   SOLE   5,127 0 0
IDEX CORP COM 45167R104 635 3,480 SH   SOLE   3,480 0 0
INTEL CORP COM 458140100 1,698 32,784 SH   SOLE   32,784 0 0
INVITAE CORP COM 46185L103 5,359 123,630 SH   SOLE   123,630 0 0
ISHARES TR GLOBAL 100 ETF 464287572 2,281 40,522 SH   SOLE   40,522 0 0
ISHARES TR PFD AND INCM SEC 464288687 375 10,298 SH   SOLE   10,298 0 0
ISHARES TR TIPS BD ETF 464287176 1,246 9,853 SH   SOLE   9,853 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,240 8,279 SH   SOLE   8,279 0 0
ISHARES TR SELECT DIVID ETF 464287168 501 6,143 SH   SOLE   6,143 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,749 23,286 SH   SOLE   23,286 0 0
ISHARES TR SHORT TREAS BD 464288679 531 4,800 SH   SOLE   4,800 0 0
JOHNSON & JOHNSON COM 478160104 6,065 40,740 SH   SOLE   40,740 0 0
JPMORGAN CHASE & CO COM 46625H100 6,598 68,539 SH   SOLE   68,539 0 0
KEYCORP COM 493267108 185 15,490 SH   SOLE   15,490 0 0
KIRKLAND LAKE GOLD LTD COM 49741E100 3,200 65,675 SH   SOLE   65,675 0 0
LOWES COS INC COM 548661107 15,059 90,793 SH   SOLE   90,793 0 0
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 3,838 96,665 SH   SOLE   96,665 0 0
MASTERCARD INCORPORATED CL A 57636Q104 11,233 33,216 SH   SOLE   33,216 0 0
MCDONALDS CORP COM 580135101 2,777 12,654 SH   SOLE   12,654 0 0
MICROSOFT CORP COM 594918104 24,102 114,590 SH   SOLE   114,590 0 0
NETFLIX INC COM 64110L106 753 1,505 SH   SOLE   1,505 0 0
NIKE INC CL B 654106103 10,086 80,342 SH   SOLE   80,342 0 0
NVIDIA CORPORATION COM 67066G104 5,360 9,904 SH   SOLE   9,904 0 0
PAYPAL HLDGS INC COM 70450Y103 1,981 10,052 SH   SOLE   10,052 0 0
PENN NATL GAMING INC COM 707569109 1,046 14,392 SH   SOLE   14,392 0 0
PEPSICO INC COM 713448108 364 2,625 SH   SOLE   2,625 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 573 5,618 SH   SOLE   5,618 0 0
PIONEER BANCORP INC COM 723561106 191 21,500 SH   SOLE   21,500 0 0
PLUG POWER INC COM NEW 72919P202 143 10,679 SH   SOLE   10,679 0 0
PROCTER AND GAMBLE CO COM 742718109 351 2,523 SH   SOLE   2,523 0 0
QUALCOMM INC COM 747525103 3,703 31,470 SH   SOLE   31,470 0 0
REGENERON PHARMACEUTICALS COM 75886F107 3,516 6,281 SH   SOLE   6,281 0 0
ROCKET COS INC COM CL A 77311W101 621 31,160 SH   SOLE   31,160 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,218 65,519 SH   SOLE   65,519 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,454 44,378 SH   SOLE   44,378 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,852 69,225 SH   SOLE   69,225 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 930 15,855 SH   SOLE   15,855 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 470 14,970 SH   SOLE   14,970 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 294 3,644 SH   SOLE   3,644 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,732 33,191 SH   SOLE   33,191 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,119 20,176 SH   SOLE   20,176 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,160 18,817 SH   SOLE   18,817 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,347 20,375 SH   SOLE   20,375 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 451 4,277 SH   SOLE   4,277 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 463 19,245 SH   SOLE   19,245 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 371 2,527 SH   SOLE   2,527 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 523 6,794 SH   SOLE   6,794 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,680 14,392 SH   SOLE   14,392 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 651 2,345 SH   SOLE   2,345 0 0
SPDR GOLD TR GOLD SHS 78463V107 388 2,192 SH   SOLE   2,192 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,259 6,745 SH   SOLE   6,745 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 400 1,180 SH   SOLE   1,180 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 776 25,353 SH   SOLE   25,353 0 0
STARBUCKS CORP COM 855244109 9,633 112,115 SH   SOLE   112,115 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 708 4,288 SH   SOLE   4,288 0 0
TANDEM DIABETES CARE INC COM NEW 875372203 776 6,840 SH   SOLE   6,840 0 0
TARGET CORP COM 87612E106 4,047 25,709 SH   SOLE   25,709 0 0
TELADOC HEALTH INC COM 87918A105 1,326 6,048 SH   SOLE   6,048 0 0
TESLA INC COM 88160R101 466 1,086 SH   SOLE   1,086 0 0
TRUSTCO BK CORP N Y COM 898349105 61 11,780 SH   SOLE   11,780 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,725 11,947 SH   SOLE   11,947 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,361 25,256 SH   SOLE   25,256 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,337 64,412 SH   SOLE   64,412 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,778 31,493 SH   SOLE   31,493 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,647 62,671 SH   SOLE   62,671 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,294 117,892 SH   SOLE   117,892 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,394 33,968 SH   SOLE   33,968 0 0
VARIAN MED SYS INC COM 92220P105 688 4,000 SH   SOLE   4,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,889 31,750 SH   SOLE   31,750 0 0
VISA INC COM CL A 92826C839 9,464 47,325 SH   SOLE   47,325 0 0