Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	APPLE INC	281,416	$37.34M	9.4%	$85.15	+37.4%	COM	037833100
MSFT	MICROSOFT CORP	114,732	$25.52M	6.4%	$65.42	+215.0%	COM	594918104
GOOGL	ALPHABET INC	11,561	$20.26M	5.1%	$43.58	+91.6%	CAP STK CL A	02079K305
LOW	LOWES COS INC	90,056	$14.46M	3.6%	$63.55	+133.0%	COM	548661107
META	FACEBOOK INC	51,360	$14.03M	3.5%	$101.54	+168.1%	CL A	30303M102
SBUX	STARBUCKS CORP	114,209	$12.22M	3.1%	$53.90	+58.0%	COM	855244109
AMZN	AMAZON COM INC	3,650	$11.89M	3.0%	$90.34	+76.6%	COM	023135106
MA	MASTERCARD INCORPORATED	32,889	$11.74M	2.9%	$74.59	+333.5%	CL A	57636Q104
VCIT	VANGUARD SCOTTSDALE FDS	119,382	$11.6M	2.9%	$91.00	—	INT-TERM CORP	92206C870
NKE	NIKE INC	79,180	$11.2M	2.8%	$46.35	+165.8%	CL B	654106103
V	VISA INC	47,080	$10.3M	2.6%	$61.50	+220.7%	COM CL A	92826C839
JPM	JPMORGAN CHASE & CO	68,541	$8.708M	2.2%	$44.37	+121.2%	COM	46625H100
AMD	ADVANCED MICRO DEVICES INC	93,604	$8.584M	2.2%	$36.92	+133.8%	COM	007903107
BABA	ALIBABA GROUP HLDG LTD	35,008	$8.147M	2.0%	$168.07	—	SPONSORED ADS	01609W102
DIS	DISNEY WALT CO	39,464	$7.15M	1.8%	$105.65	+32.7%	COM	254687106
SCHB	SCHWAB STRATEGIC TR	76,649	$6.974M	1.8%	$61.16	—	US BRD MKT ETF	808524102
JNJ	JOHNSON & JOHNSON	42,114	$6.628M	1.7%	$94.02	+35.6%	COM	478160104
QCOM	QUALCOMM INC	41,499	$6.322M	1.6%	$102.30	+21.9%	COM	747525103
EQIX	EQUINIX INC	7,650	$5.463M	1.4%	$384.67	+75.4%	COM	29444U700
BAC	BK OF AMERICA CORP	176,130	$5.338M	1.3%	$14.10	+67.8%	COM	060505104
BSV	VANGUARD BD INDEX FDS	62,366	$5.192M	1.3%	$81.26	—	SHORT TRM BOND	921937827
RSP	INVESCO EXCHANGE TRADED FD T	40,023	$5.105M	1.3%	$127.55	—	S&P500 EQL WGT	46137V357
SIXG	ETF SER SOLUTIONS	148,225	$4.98M	1.3%	$29.46	—	DEFIANCE NEXT	26922A289
TGT	TARGET CORP	27,969	$4.937M	1.2%	$83.08	+74.4%	COM	87612E106
—	MARVELL TECHNOLOGY GROUP LTD	100,190	$4.763M	1.2%	$35.75	—	ORD	G5876H105
ARKG	ARK ETF TR	49,475	$4.614M	1.2%	$68.69	—	GENOMIC REV ETF	00214Q302
T	AT&T INC	159,500	$4.587M	1.2%	$15.67	-1.9%	COM	00206R102
UNH	UNITEDHEALTH GROUP INC	12,007	$4.211M	1.1%	$236.02	+30.6%	COM	91324P102
ULTA	ULTA BEAUTY INC	13,882	$3.986M	1.0%	$252.99	0.0%	COM	90384S303
FSLR	FIRST SOLAR INC	39,095	$3.867M	1.0%	$68.01	+27.5%	COM	336433107
—	INVITAE CORP	92,040	$3.848M	1.0%	$30.72	—	COM	46185L103
BNDX	VANGUARD CHARLOTTE FDS	65,158	$3.815M	1.0%	$54.08	—	INTL BD IDX ETF	92203J407
AGG	ISHARES TR	30,332	$3.585M	0.9%	$113.13	—	CORE US AGGBD ET	464287226
NVDA	NVIDIA CORPORATION	6,697	$3.497M	0.9%	$1.82	+635.4%	COM	67066G104
—	DRAFTKINGS INC	73,342	$3.415M	0.9%	$38.51	—	COM CL A	26142R104
SCHD	SCHWAB STRATEGIC TR	53,109	$3.406M	0.9%	$51.51	—	US DIVIDEND EQ	808524797
REGN	REGENERON PHARMACEUTICALS	6,767	$3.269M	0.8%	$429.59	+25.0%	COM	75886F107
C	CITIGROUP INC	50,289	$3.101M	0.8%	$52.51	-19.3%	COM NEW	172967424
ARKK	ARK ETF TR	24,640	$3.067M	0.8%	$79.05	—	INNOVATION ETF	00214Q104
BND	VANGUARD BD INDEX FDS	34,043	$3.002M	0.8%	$83.79	—	TOTAL BND MRKT	921937835
VZ	VERIZON COMMUNICATIONS INC	46,754	$2.747M	0.7%	$38.78	+13.4%	COM	92343V104
BMY	BRISTOL-MYERS SQUIBB CO	44,173	$2.74M	0.7%	$45.42	+10.1%	COM	110122108
MCD	MCDONALDS CORP	12,635	$2.711M	0.7%	$133.95	+44.3%	COM	580135101
DAL	DELTA AIR LINES INC DEL	67,395	$2.71M	0.7%	$35.38	0.0%	COM NEW	247361702
IOO	ISHARES TR	41,793	$2.629M	0.7%	$53.29	—	GLOBAL 100 ETF	464287572
—	KIRKLAND LAKE GOLD LTD	63,260	$2.611M	0.7%	$48.72	—	COM	49741E100
SPY	SPDR S&P 500 ETF TR	6,506	$2.432M	0.6%	$196.42	—	TR UNIT	78462F103
PYPL	PAYPAL HLDGS INC	10,222	$2.394M	0.6%	$108.67	+90.2%	COM	70450Y103
SCHG	SCHWAB STRATEGIC TR	18,639	$2.393M	0.6%	$81.89	—	US LCAP GR ETF	808524300
VGIT	VANGUARD SCOTTSDALE FDS	33,410	$2.319M	0.6%	$70.56	—	INTER TERM TREAS	92206C706
BIV	VANGUARD BD INDEX FDS	24,916	$2.313M	0.6%	$93.18	—	INTERMED TERM	921937819
SCHV	SCHWAB STRATEGIC TR	36,751	$2.188M	0.5%	$56.84	—	US LCAP VA ETF	808524409
SCHE	SCHWAB STRATEGIC TR	68,434	$2.098M	0.5%	$25.84	—	EMRG MKTEQ ETF	808524706
KO	COCA COLA CO	34,784	$1.908M	0.5%	$38.72	+14.3%	COM	191216100
XLK	SELECT SECTOR SPDR TR	14,128	$1.837M	0.5%	$72.33	—	TECHNOLOGY	81369Y803
INTC	INTEL CORP	32,935	$1.641M	0.4%	$36.37	+21.1%	COM	458140100
IWM	ISHARES TR	8,150	$1.598M	0.4%	$133.07	—	RUSSELL 2000 ETF	464287655
BA	BOEING CO	7,373	$1.578M	0.4%	$336.92	-42.9%	COM	097023105
TDOC	TELADOC HEALTH INC	7,347	$1.469M	0.4%	$182.14	+11.6%	COM	87918A105
SCHM	SCHWAB STRATEGIC TR	21,505	$1.466M	0.4%	$49.68	—	US MID-CAP ETF	808524508
TIP	ISHARES TR	9,853	$1.258M	0.3%	$113.27	—	TIPS BD ETF	464287176
PENN	PENN NATL GAMING INC	14,217	$1.228M	0.3%	$25.05	+184.9%	COM	707569109
SCHP	SCHWAB STRATEGIC TR	18,799	$1.167M	0.3%	$55.47	—	US TIPS ETF	808524870
HON	HONEYWELL INTL INC	5,127	$1.091M	0.3%	$65.40	+150.4%	COM	438516106
XLB	SELECT SECTOR SPDR TR	13,975	$1.012M	0.3%	$72.42	—	SBI MATERIALS	81369Y100
ABT	ABBOTT LABS	8,785	$962K	0.2%	$46.38	+114.0%	COM	002824100
SCHR	SCHWAB STRATEGIC TR	15,857	$923K	0.2%	$53.27	—	INTRM TRM TRES	808524854
CVX	CHEVRON CORP NEW	10,631	$898K	0.2%	$74.24	-12.4%	COM	166764100
VRTX	VERTEX PHARMACEUTICALS INC	3,715	$878K	0.2%	$229.44	0.0%	COM	92532F100
XHB	SPDR SER TR	13,995	$807K	0.2%	$57.66	—	S&P HOMEBUILD	78464A888
NFLX	NETFLIX INC	1,455	$787K	0.2%	$34.02	+49.0%	COM	64110L106
TSLA	TESLA INC	1,095	$773K	0.2%	$118.07	+44.5%	COM	88160R101
FLRN	SPDR SER TR	24,868	$761K	0.2%	$30.77	—	BLOMBERG BRC INV	78468R200
DIA	SPDR DOW JONES INDL AVERAGE	2,370	$725K	0.2%	$264.71	—	UT SER 1	78467X109
MMM	3M CO	3,990	$697K	0.2%	$82.57	+42.3%	COM	88579Y101
IEX	IDEX CORP	3,480	$693K	0.2%	$63.28	+182.5%	COM	45167R104
ARKF	ARK ETF TR	13,650	$679K	0.2%	$49.74	—	FINTECH INNOVA	00214Q708
SPYC	SIMPLIFY EXCHANGE TRADED FUN	24,893	$672K	0.2%	$27.00	—	US EQT PLS CNVEX	82889N103
TAN	INVESCO EXCH TRADED FD TR II	6,300	$647K	0.2%	$102.70	—	SOLAR ETF	46138G706
XLI	SELECT SECTOR SPDR TR	6,795	$602K	0.2%	$71.55	—	SBI INT-INDS	81369Y704
CNI	CANADIAN NATL RY CO	5,285	$581K	0.1%	$46.70	+109.7%	COM	136375102
DVY	ISHARES TR	6,022	$579K	0.1%	$73.51	—	SELECT DIVID ETF	464287168
MINT	PIMCO ETF TR	5,618	$573K	0.1%	$101.55	—	ENHAN SHRT MA AC	72201R833
XLF	SELECT SECTOR SPDR TR	19,245	$567K	0.1%	$26.39	—	SBI INT-FINL	81369Y605
SHV	ISHARES TR	4,800	$531K	0.1%	$111.04	—	SHORT TREAS BD	464288679
SCHF	SCHWAB STRATEGIC TR	14,450	$520K	0.1%	$30.02	—	INTL EQTY ETF	808524805
MDY	SPDR S&P MIDCAP 400 ETF TR	1,180	$495K	0.1%	$251.86	—	UTSER1 S&PDCRP	78467Y107
XLV	SELECT SECTOR SPDR TR	4,289	$486K	0.1%	$61.05	—	SBI HEALTHCARE	81369Y209
GM	GENERAL MTRS CO	11,210	$467K	0.1%	$37.51	0.0%	COM	37045V100
PFF	ISHARES TR	11,948	$460K	0.1%	$36.84	—	PFD AND INCM SEC	464288687
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,852	$429K	0.1%	$186.41	+18.1%	CL B NEW	084670702
—	GENERAL ELECTRIC CO	38,605	$417K	0.1%	$19.65	—	COM	369604103
—	CANOPY GROWTH CORP	16,767	$413K	0.1%	$34.36	—	COM	138035100
XLY	SELECT SECTOR SPDR TR	2,482	$399K	0.1%	$120.84	—	SBI CONS DISCR	81369Y407
GLD	SPDR GOLD TR	2,192	$391K	0.1%	$177.01	—	GOLD SHS	78463V107
PEP	PEPSICO INC	2,627	$390K	0.1%	$98.42	+23.2%	COM	713448108
PG	PROCTER AND GAMBLE CO	2,523	$351K	0.1%	$100.99	+22.0%	COM	742718109
—	VARIAN MED SYS INC	2,000	$350K	0.1%	$84.00	—	COM	92220P105
PLUG	PLUG POWER INC	9,982	$338K	0.1%	$11.02	+105.5%	COM NEW	72919P202
SCHX	SCHWAB STRATEGIC TR	3,647	$332K	0.1%	$68.79	—	US LRG CAP ETF	808524201
EW	EDWARDS LIFESCIENCES CORP	3,535	$322K	0.1%	$62.94	+31.8%	COM	28176E108
CMCSA	COMCAST CORP NEW	6,053	$317K	0.1%	$32.44	+28.4%	CL A	20030N101
DUK	DUKE ENERGY CORP NEW	3,378	$309K	0.1%	$70.45	+7.4%	COM NEW	26441C204
D	DOMINION ENERGY INC	4,018	$302K	0.1%	$59.16	+7.2%	COM	25746U109
BAX	BAXTER INTL INC	3,250	$261K	0.1%	$49.09	+44.7%	COM	071813109
KEY	KEYCORP	15,493	$254K	0.1%	$9.39	+21.2%	COM	493267108
SO	SOUTHERN CO	4,071	$250K	0.1%	$49.52	0.0%	COM	842587107
XOM	EXXON MOBIL CORP	6,014	$248K	0.1%	$57.01	-46.7%	COM	30231G102
VNQI	VANGUARD INTL EQUITY INDEX F	4,495	$244K	0.1%	$54.28	—	GLB EX US ETF	922042676
PFE	PFIZER INC	6,404	$236K	0.1%	$28.63	0.0%	COM	717081103
NBTB	NBT BANCORP INC	7,000	$225K	0.1%	$29.94	0.0%	COM	628778102
SCHA	SCHWAB STRATEGIC TR	2,462	$219K	0.1%	$88.95	—	US SML CAP ETF	808524607
DE	DEERE & CO	799	$215K	0.1%	$232.12	0.0%	COM	244199105
PBFS	PIONEER BANCORP INC	19,500	$206K	0.1%	$8.68	+15.8%	COM	723561106
OUNZ	VANECK MERK GOLD TR	11,000	$204K	0.1%	$18.55	—	GOLD TRUST	921078101
—	TRUSTCO BK CORP N Y	11,785	$79,000	0.0%	$5.18	—	COM	898349105