Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SHY	ISHARES TR	342,196	$29.66M	26.7%	$86.67	$85.41	+1.5%	1 3 YR TREAS BD	464287457
GOVT	ISHARES TR	473,213	$13.26M	11.9%	$28.01	$26.83	+4.4%	US TREAS BD ETF	46429B267
SPTS	SPDR SER TR	404,096	$12.41M	11.2%	$30.72	$30.24	+1.6%	PORTFOLIO SH TSR	78468R101
VGSH	VANGUARD SCOTTSDALE FDS	178,170	$11.11M	10.0%	$62.34	$61.37	+1.6%	SHORT TERM TREAS	92206C102
GLD	SPDR GOLD TRUST	48,213	$7.138M	6.4%	$148.05	$142.29	+4.1%	GOLD SHS	78463V107
SCHO	SCHWAB STRATEGIC TR	108,333	$5.604M	5.1%	$51.73 *	$25.47	+1.6%	SHT TM US TRES	808524862
SPAB	SPDR SER TR	185,263	$5.599M	5.0%	$30.22	$29.54	+2.3%	PORTFOLIO AGRGTE	78464A649
MBB	ISHARES TR	28,124	$3.106M	2.8%	$110.44	$108.82	+1.5%	MBS ETF	464288588
MINT	PIMCO ETF TR	25,778	$2.552M	2.3%	$99.00	$101.09	-2.1%	ENHAN SHRT MA AC	72201R833
AOM	ISHARES TR	52,567	$1.931M	1.7%	$36.73	$39.61	-7.2%	MODERT ALLOC ETF	464289875
JMUB	J P MORGAN EXCHANGE-TRADED F	36,321	$1.919M	1.7%	$52.83	$53.84	-1.9%	MUNICIPAL ETF	46641Q647
AMZN	AMAZON COM INC	567	$1.105M	1.0%	$1948.85 *	$88.51	+10.1%	COM	023135106
SDY	SPDR SER TR	13,582	$1.085M	1.0%	$79.89	$104.97	-23.9%	S&P DIVID ETF	78464A763
BX	BLACKSTONE GROUP INC	21,012	$958K	0.9%	$45.59 *	$42.09	-11.0%	COM CL A	09260D107
SCHB	SCHWAB STRATEGIC TR	15,558	$940K	0.8%	$60.42 *	$12.10	-16.8%	US BRD MKT ETF	808524102
IVV	ISHARES TR	3,486	$901K	0.8%	$258.46	$306.43	-15.7%	CORE S&P500 ETF	464287200
UVSP	UNIVEST FINANCIAL CORPORATIO	52,314	$854K	0.8%	$16.32	$25.88	-36.9%	COM	915271100
VIG	VANGUARD SPECIALIZED FUNDS	7,624	$788K	0.7%	$103.36	$120.98	-14.5%	DIV APP ETF	921908844
JNJ	JOHNSON & JOHNSON	5,705	$748K	0.7%	$131.11 *	$114.18	-2.4%	COM	478160104
ITOT	ISHARES TR	11,982	$685K	0.6%	$57.17	$69.58	-17.8%	CORE S&P TTL STK	464287150
WSO	WATSCO INC	3,988	$630K	0.6%	$157.97	$175.89	-10.2%	COM	942622200
MSFT	MICROSOFT CORP	3,506	$553K	0.5%	$157.73 *	$139.64	+7.5%	COM	594918104
VUG	VANGUARD INDEX FDS	3,289	$515K	0.5%	$156.58 *	$29.11	-10.3%	GROWTH ETF	922908736
DGRO	ISHARES TR	14,020	$457K	0.4%	$32.60	$39.12	-16.7%	CORE DIV GRWTH	46434V621
SPTM	SPDR SER TR	13,781	$433K	0.4%	$31.42	$38.12	-17.5%	PORTFOLI S&P1500	78464A805
SCHR	SCHWAB STRATEGIC TR	7,203	$423K	0.4%	$58.73 *	$27.68	+6.2%	INTRM TRM TRES	808524854
SPDW	SPDR INDEX SHS FDS	17,211	$412K	0.4%	$23.94	$30.45	-21.4%	PORTFOLIO DEVLPD	78463X889
GMED	GLOBUS MED INC	8,429	$358K	0.3%	$42.47	$54.29	-21.7%	CL A	379577208
IEI	ISHARES TR	2,628	$350K	0.3%	$133.18	$128.85	+3.5%	3 7 YR TREAS BD	464288661
VZ	VERIZON COMMUNICATIONS INC	6,456	$347K	0.3%	$53.75 *	$42.79	-9.9%	COM	92343V104
AAPL	APPLE INC	1,334	$339K	0.3%	$254.12 *	$62.02	-0.8%	COM	037833100
NSC	NORFOLK SOUTHERN CORP	2,304	$336K	0.3%	$145.83 *	$165.56	-21.7%	COM	655844108
VEA	VANGUARD TAX-MANAGED INTL FD	9,848	$328K	0.3%	$33.31	$41.89	-20.4%	FTSE DEV MKT ETF	921943858
LUV	SOUTHWEST AIRLS CO	9,103	$324K	0.3%	$35.59 *	$51.27	-35.4%	COM	844741108
FTCS	FIRST TR EXCHANGE-TRADED FD	5,871	$292K	0.3%	$49.74	$58.25	-14.7%	CAP STRENGTH ETF	33733E104
VTI	VANGUARD INDEX FDS	2,259	$291K	0.3%	$128.82	$156.68	-17.7%	TOTAL STK MKT	922908769
MRK	MERCK & CO. INC	3,769	$290K	0.3%	$76.94 *	$67.28	-9.0%	COM	58933Y105
MCD	MCDONALDS CORP	1,731	$286K	0.3%	$165.22 *	$171.93	-15.8%	COM	580135101
SPSB	SPDR SER TR	9,386	$284K	0.3%	$30.26	$30.79	-1.7%	PORTFOLIO SHORT	78464A474
USRT	ISHARES TR	6,985	$274K	0.2%	$39.23	$55.05	-28.8%	CRE U S REIT ETF	464288521
VB	VANGUARD INDEX FDS	2,315	$267K	0.2%	$115.33	$150.28	-23.2%	SMALL CP ETF	922908751
GAL	SSGA ACTIVE ETF TR	6,846	$224K	0.2%	$32.72	$39.33	-16.7%	GLOBL ALLO ETF	78467V400
SPMD	SPDR SER TR	8,570	$217K	0.2%	$25.32	$34.85	-27.3%	PORTFOLIO S&P400	78464A847
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,101	$201K	0.2%	$182.56	$216.81	-15.7%	CL B NEW	084670702
—	TRUSTCO BK CORP N Y	20,000	$108K	0.1%	$5.40	$8.65	—	COM	898349105
—	AURORA CANNABIS INC	34,202	$31,000	0.0%	$0.91	$2.15	—	COM	05156X108
—	HEXO CORP	13,868	$12,000	0.0%	$0.87	$1.59	—	COM	428304109
—	OUTLOOK THERAPEUTICS INC	20,000	$3,000	0.0%	$0.15	$0.10	—	*W EXP 02/18/202	69012T115