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
THE COCA-COLA CO COM 191216100 6,450 104,036 SH   SOLE NONE 0 0 104,036
MICROSOFT CORP COM 594918104 6,300 20,434 SH   SOLE NONE 0 0 20,434
APPLE INC COM 037833100 6,081 34,824 SH   SOLE NONE 0 0 34,824
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 5,030 101,526 SH   SOLE NONE 0 0 101,526
EXXON MOBIL CORP COM 30231G102 4,547 55,050 SH   SOLE NONE 0 0 55,050
ABBVIE INC COM 00287Y109 4,472 27,584 SH   SOLE NONE 0 0 27,584
JPMORGAN CHASE & CO COM 46625H100 4,437 32,545 SH   SOLE NONE 0 0 32,545
PGIM SHORT DURATION HIGH COM 69355J104 4,292 256,548 SH   SOLE NONE 0 0 256,548
NORTHROP GRUMMAN CORP COM 666807102 4,033 9,017 SH   SOLE NONE 0 0 9,017
GLOBAL X US PREFERRED ETF US PFD ETF 37954Y657 3,254 138,456 SH   SOLE NONE 0 0 138,456
TRUIST FINANCIAL CORPORATION COM 89832Q109 3,250 57,324 SH   SOLE NONE 0 0 57,324
STRYKER CORP COM 863667101 3,238 12,111 SH   SOLE NONE 0 0 12,111
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 3,160 59,181 SH   SOLE NONE 0 0 59,181
CVS HEALTH CORP COM 126650100 3,091 30,538 SH   SOLE NONE 0 0 30,538
EMERSON ELECTRIC CO COM 291011104 2,636 26,888 SH   SOLE NONE 0 0 26,888
PFIZER INC COM 717081103 2,511 48,506 SH   SOLE NONE 0 0 48,506
CISCO SYSTEMS INC COM 17275R102 2,486 44,575 SH   SOLE NONE 0 0 44,575
AMERICAN EXPRESS CO COM 025816109 2,442 13,059 SH   SOLE NONE 0 0 13,059
JOHNSON & JOHNSON COM 478160104 2,387 13,470 SH   SOLE NONE 0 0 13,470
AMAZON.COM INC COM 023135106 2,181 669 SH   SOLE NONE 0 0 669
A T & T INC COM 00206R102 2,152 91,051 SH   SOLE NONE 0 0 91,051
CHEVRON CORP COM 166764100 2,120 13,019 SH   SOLE NONE 0 0 13,019
VERIZON COMMUNICATN COM 92343V104 1,993 39,124 SH   SOLE NONE 0 0 39,124
PARAMOUNT GLOBAL CLASS B CLASS B COM 92556H206 1,940 51,305 SH   SOLE NONE 0 0 51,305
ABBOTT LABORATORIES COM 002824100 1,922 16,240 SH   SOLE NONE 0 0 16,240
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1,704 21,605 SH   SOLE NONE 0 0 21,605
NUVEEN AMT FREE MUNICIPA COM 670695105 1,676 113,554 SH   SOLE NONE 0 0 113,554
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 1,656 45,103 SH   SOLE NONE 0 0 45,103
PEPSICO INC COM 713448108 1,652 9,867 SH   SOLE NONE 0 0 9,867
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,345 13,576 SH   SOLE NONE 0 0 13,576
WALMART INC COM 931142103 1,272 8,540 SH   SOLE NONE 0 0 8,540
QUALCOMM INC COM 747525103 1,185 7,755 SH   SOLE NONE 0 0 7,755
CRACKER BARREL OLD COUNT COM 22410J106 1,049 8,832 SH   SOLE NONE 0 0 8,832
SCHWAB US TIPS ETF US TIPS ETF 808524870 976 16,080 SH   SOLE NONE 0 0 16,080
DARDEN RESTAURANTS COM 237194105 881 6,628 SH   SOLE NONE 0 0 6,628
VANGUARD SHORT-TERM BONDETF SHORT TRM BOND 921937827 769 9,868 SH   SOLE NONE 0 0 9,868
NUVEEN OHIO QLTY MNCPL I COM 670980101 693 49,930 SH   SOLE NONE 0 0 49,930
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 679 9,509 SH   SOLE NONE 0 0 9,509
CARRIER GLOBAL CORP COM 14448C104 620 13,527 SH   SOLE NONE 0 0 13,527
TRUSTCO BANK CORP N Y COM NEW 898349204 604 18,906 SH   SOLE NONE 0 0 18,906
ISHARES PREFERRED INCOMESEC ETF PFD AND INCM SEC 464288687 520 14,281 SH   SOLE NONE 0 0 14,281
OTIS WORLDWIDE CORP COM 68902V107 490 6,374 SH   SOLE NONE 0 0 6,374
WALGREENS BOOTS ALLI COM 931427108 466 10,417 SH   SOLE NONE 0 0 10,417
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 382 5,037 SH   SOLE NONE 0 0 5,037
NEXTERA ENERGY INC COM 65339F101 374 4,412 SH   SOLE NONE 0 0 4,412
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 373 5,065 SH   SOLE NONE 0 0 5,065
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 372 6,916 SH   SOLE NONE 0 0 6,916
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 320 4,281 SH   SOLE NONE 0 0 4,281
WALT DISNEY CO COM 254687106 306 2,232 SH   SOLE NONE 0 0 2,232
SELECT SECTOR UTI SELECTSPDR ETF SBI INT-UTILS 81369Y886 297 3,985 SH   SOLE NONE 0 0 3,985
ENERGY SELECT SECTOR SPDR ETF IV ENERGY 81369Y506 291 3,812 SH   SOLE NONE 0 0 3,812
ISHARES RUSSELL 3000 ETF RUSSELL 3000 ETF 464287689 289 1,102 SH   SOLE NONE 0 0 1,102
SPDR S&P 500 ETF TR UNIT 78462F103 278 615 SH   SOLE NONE 0 0 615
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 262 5,533 SH   SOLE NONE 0 0 5,533
BANK OF AMERICA CORP COM 060505104 252 6,121 SH   SOLE NONE 0 0 6,121
PROCTER & GAMBLE COM 742718109 230 1,508 SH   SOLE NONE 0 0 1,508
SCHWAB US AGGREGATE BONDETF US AGGREGATE B 808524839 216 4,281 SH   SOLE NONE 0 0 4,281
HOME DEPOT INC COM 437076102 216 722 SH   SOLE NONE 0 0 722