Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	APPLE INC	271,272	$33.14M	7.7%	$85.15	+46.9%	COM	037833100
MSFT	MICROSOFT CORP	113,208	$26.69M	6.2%	$65.42	+240.7%	COM	594918104
GOOGL	ALPHABET INC	11,506	$23.73M	5.5%	$43.58	+124.7%	CAP STK CL A	02079K305
LOW	LOWES COS INC	88,798	$16.89M	3.9%	$63.55	+147.0%	COM	548661107
META	FACEBOOK INC	43,293	$12.75M	3.0%	$101.54	+163.3%	CL A	30303M102
VCIT	VANGUARD SCOTTSDALE FDS	133,304	$12.4M	2.9%	$91.21	—	INT-TERM CORP	92206C870
SBUX	STARBUCKS CORP	110,232	$12.04M	2.8%	$53.90	+74.4%	COM	855244109
MA	MASTERCARD INCORPORATED	31,784	$11.32M	2.6%	$74.59	+355.3%	CL A	57636Q104
AMZN	AMAZON COM INC	3,517	$10.88M	2.5%	$90.34	+75.5%	COM	023135106
NKE	NIKE INC	77,602	$10.31M	2.4%	$46.35	+179.5%	CL B	654106103
JPM	JPMORGAN CHASE & CO	63,543	$9.673M	2.3%	$44.37	+186.8%	COM	46625H100
V	VISA INC	45,471	$9.627M	2.3%	$61.50	+230.4%	COM CL A	92826C839
RSP	INVESCO EXCHANGE TRADED FD T	60,393	$8.555M	2.0%	$132.31	—	S&P500 EQL WGT	46137V357
DIS	DISNEY WALT CO	42,416	$7.827M	1.8%	$110.83	+62.6%	COM	254687106
T	AT&T INC	257,599	$7.798M	1.8%	$15.85	+1.8%	COM	00206R102
BABA	ALIBABA GROUP HLDG LTD	33,855	$7.676M	1.8%	$168.07	—	SPONSORED ADS	01609W102
AMD	ADVANCED MICRO DEVICES INC	94,986	$7.456M	1.7%	$37.63	+128.8%	COM	007903107
SCHB	SCHWAB STRATEGIC TR	75,835	$7.334M	1.7%	$61.16	—	US BRD MKT ETF	808524102
JNJ	JOHNSON & JOHNSON	43,029	$7.072M	1.7%	$95.02	+48.2%	COM	478160104
QCOM	QUALCOMM INC	51,365	$6.81M	1.6%	$107.56	+20.6%	COM	747525103
BAC	BK OF AMERICA CORP	173,800	$6.724M	1.6%	$14.10	+117.3%	COM	060505104
—	DRAFTKINGS INC	91,307	$5.6M	1.3%	$43.00	—	COM CL A	26142R104
C	CITIGROUP INC	76,547	$5.569M	1.3%	$53.77	+4.5%	COM NEW	172967424
TGT	TARGET CORP	27,251	$5.398M	1.3%	$83.08	+96.4%	COM	87612E106
BSV	VANGUARD BD INDEX FDS	64,678	$5.336M	1.2%	$81.31	—	SHORT TRM BOND	921937827
SIXG	ETF SER SOLUTIONS	150,720	$5.307M	1.2%	$29.56	—	DEFIANCE NEXT	26922A289
EQIX	EQUINIX INC	7,455	$5.066M	1.2%	$384.67	+62.4%	COM	29444U700
—	MARVELL TECHNOLOGY GROUP LTD	96,970	$4.75M	1.1%	$35.75	—	ORD	G5876H105
ARKG	ARK ETF TR	49,246	$4.37M	1.0%	$68.69	—	GENOMIC REV ETF	00214Q302
BNDX	VANGUARD CHARLOTTE FDS	72,135	$4.12M	1.0%	$54.38	—	INTL BD IDX ETF	92203J407
GM	GENERAL MTRS CO	70,907	$4.074M	1.0%	$49.07	+4.4%	COM	37045V100
ALLY	ALLY FINL INC	89,710	$4.056M	0.9%	$35.55	0.0%	COM	02005N100
VRTX	VERTEX PHARMACEUTICALS INC	18,285	$3.929M	0.9%	$221.64	-0.9%	COM	92532F100
TDOC	TELADOC HEALTH INC	20,892	$3.797M	0.9%	$214.43	+8.2%	COM	87918A105
AGG	ISHARES TR	33,266	$3.787M	0.9%	$113.19	—	CORE US AGGBD ET	464287226
SCHD	SCHWAB STRATEGIC TR	51,785	$3.776M	0.9%	$51.51	—	US DIVIDEND EQ	808524797
REGN	REGENERON PHARMACEUTICALS	7,469	$3.534M	0.8%	$434.72	+11.4%	COM	75886F107
NVDA	NVIDIA CORPORATION	6,581	$3.514M	0.8%	$1.82	+638.5%	COM	67066G104
—	INVITAE CORP	90,660	$3.464M	0.8%	$30.72	—	COM	46185L103
BMY	BRISTOL-MYERS SQUIBB CO	54,333	$3.43M	0.8%	$46.47	+9.8%	COM	110122108
DAL	DELTA AIR LINES INC DEL	67,725	$3.27M	0.8%	$35.38	+21.6%	COM NEW	247361702
FSLR	FIRST SOLAR INC	36,085	$3.15M	0.7%	$68.01	+34.9%	COM	336433107
BND	VANGUARD BD INDEX FDS	33,468	$2.835M	0.7%	$83.79	—	TOTAL BND MRKT	921937835
VZ	VERIZON COMMUNICATIONS INC	48,111	$2.798M	0.7%	$38.88	+8.7%	COM	92343V104
IOO	ISHARES TR	41,825	$2.761M	0.6%	$53.29	—	GLOBAL 100 ETF	464287572
SPY	SPDR S&P 500 ETF TR	6,493	$2.573M	0.6%	$196.42	—	TR UNIT	78462F103
SCHP	SCHWAB STRATEGIC TR	42,064	$2.573M	0.6%	$58.62	—	US TIPS ETF	808524870
PYPL	PAYPAL HLDGS INC	10,317	$2.505M	0.6%	$108.67	+131.8%	COM	70450Y103
TRMB	TRIMBLE INC	31,570	$2.456M	0.6%	$72.23	0.0%	COM	896239100
SCHE	SCHWAB STRATEGIC TR	76,111	$2.419M	0.6%	$26.44	—	EMRG MKTEQ ETF	808524706
DXC	DXC TECHNOLOGY CO	76,224	$2.383M	0.6%	$27.43	0.0%	COM	23355L106
SCHV	SCHWAB STRATEGIC TR	35,491	$2.317M	0.5%	$56.84	—	US LCAP VA ETF	808524409
VGIT	VANGUARD SCOTTSDALE FDS	32,985	$2.218M	0.5%	$70.56	—	INTER TERM TREAS	92206C706
XLB	SELECT SECTOR SPDR TR	27,865	$2.196M	0.5%	$75.60	—	SBI MATERIALS	81369Y100
BIV	VANGUARD BD INDEX FDS	24,708	$2.192M	0.5%	$93.18	—	INTERMED TERM	921937819
ARKK	ARK ETF TR	17,136	$2.055M	0.5%	$79.05	—	INNOVATION ETF	00214Q104
INTC	INTEL CORP	31,945	$2.044M	0.5%	$36.37	+48.8%	COM	458140100
BA	BOEING CO	7,223	$1.84M	0.4%	$336.92	-34.0%	COM	097023105
XLK	SELECT SECTOR SPDR TR	13,649	$1.813M	0.4%	$72.33	—	TECHNOLOGY	81369Y803
IWM	ISHARES TR	7,785	$1.72M	0.4%	$133.07	—	RUSSELL 2000 ETF	464287655
TAN	INVESCO EXCH TRADED FD TR II	17,735	$1.628M	0.4%	$95.67	—	SOLAR ETF	46138G706
SCHM	SCHWAB STRATEGIC TR	21,828	$1.625M	0.4%	$50.04	—	US MID-CAP ETF	808524508
SPYC	SIMPLIFY EXCHANGE TRADED FUN	56,662	$1.611M	0.4%	$27.80	—	US EQT PLS CNVEX	82889N103
BRK/B	BERKSHIRE HATHAWAY INC DEL	5,655	$1.445M	0.3%	$224.36	+8.2%	CL B NEW	084670702
PENN	PENN NATL GAMING INC	11,522	$1.208M	0.3%	$25.05	+342.1%	COM	707569109
XLE	SELECT SECTOR SPDR TR	24,160	$1.185M	0.3%	$49.05	—	ENERGY	81369Y506
TIP	ISHARES TR	9,103	$1.142M	0.3%	$113.27	—	TIPS BD ETF	464287176
HON	HONEYWELL INTL INC	5,082	$1.103M	0.3%	$65.40	+170.1%	COM	438516106
CVX	CHEVRON CORP NEW	10,347	$1.084M	0.3%	$74.24	+7.2%	COM	166764100
—	CANOPY GROWTH CORP	33,627	$1.077M	0.3%	$33.19	—	COM	138035100
QQEW	FIRST TR NAS100 EQ WEIGHTED	10,413	$1.075M	0.3%	$103.24	—	SHS	337344105
NIO	NIO INC	26,455	$1.031M	0.2%	$38.97	—	SPON ADS	62914V106
XHB	SPDR SER TR	14,465	$1.018M	0.2%	$58.08	—	S&P HOMEBUILD	78464A888
ABT	ABBOTT LABS	8,135	$975K	0.2%	$46.38	+134.2%	COM	002824100
SCHR	SCHWAB STRATEGIC TR	15,712	$886K	0.2%	$53.27	—	INTRM TRM TRES	808524854
TSLA	TESLA INC	1,190	$795K	0.2%	$128.69	+95.1%	COM	88160R101
MMM	3M CO	3,991	$769K	0.2%	$82.57	+51.5%	COM	88579Y101
MCD	MCDONALDS CORP	3,424	$767K	0.2%	$133.95	+42.8%	COM	580135101
NFLX	NETFLIX INC	1,455	$759K	0.2%	$34.02	+55.9%	COM	64110L106
FLRN	SPDR SER TR	24,544	$752K	0.2%	$30.77	—	BLOMBERG BRC INV	78468R200
MET	METLIFE INC	12,305	$748K	0.2%	$47.61	0.0%	COM	59156R108
DIA	SPDR DOW JONES INDL AVERAGE	2,235	$738K	0.2%	$264.71	—	UT SER 1	78467X109
IEX	IDEX CORP	3,480	$728K	0.2%	$63.28	+195.3%	COM	45167R104
XLF	SELECT SECTOR SPDR TR	21,220	$723K	0.2%	$27.10	—	SBI INT-FINL	81369Y605
XLI	SELECT SECTOR SPDR TR	6,821	$672K	0.2%	$71.55	—	SBI INT-INDS	81369Y704
ARKF	ARK ETF TR	12,897	$659K	0.2%	$49.74	—	FINTECH INNOVA	00214Q708
DVY	ISHARES TR	5,772	$659K	0.2%	$73.51	—	SELECT DIVID ETF	464287168
CNI	CANADIAN NATL RY CO	5,285	$613K	0.1%	$46.70	+116.4%	COM	136375102
MINT	PIMCO ETF TR	5,618	$572K	0.1%	$101.55	—	ENHAN SHRT MA AC	72201R833
MDY	SPDR S&P MIDCAP 400 ETF TR	1,180	$562K	0.1%	$251.86	—	UTSER1 S&PDCRP	78467Y107
SCHF	SCHWAB STRATEGIC TR	14,340	$539K	0.1%	$30.02	—	INTL EQTY ETF	808524805
SHV	ISHARES TR	4,800	$530K	0.1%	$111.04	—	SHORT TREAS BD	464288679
—	GENERAL ELECTRIC CO	39,271	$516K	0.1%	$19.54	—	COM	369604103
XLV	SELECT SECTOR SPDR TR	4,284	$500K	0.1%	$61.05	—	SBI HEALTHCARE	81369Y209
PFF	ISHARES TR	12,243	$470K	0.1%	$36.88	—	PFD AND INCM SEC	464288687
BAX	BAXTER INTL INC	4,933	$416K	0.1%	$56.72	+26.0%	COM	071813109
XLY	SELECT SECTOR SPDR TR	2,457	$413K	0.1%	$120.84	—	SBI CONS DISCR	81369Y407
ULTA	ULTA BEAUTY INC	1,250	$386K	0.1%	$252.99	+22.8%	COM	90384S303
UNH	UNITEDHEALTH GROUP INC	1,000	$372K	0.1%	$236.02	+35.4%	COM	91324P102
PEP	PEPSICO INC	2,588	$366K	0.1%	$98.42	+19.8%	COM	713448108
—	VARIAN MED SYS INC	2,000	$353K	0.1%	$84.00	—	COM	92220P105
GLD	SPDR GOLD TR	2,192	$351K	0.1%	$177.01	—	GOLD SHS	78463V107
XOM	EXXON MOBIL CORP	6,023	$336K	0.1%	$57.01	-24.0%	COM	30231G102
SCHX	SCHWAB STRATEGIC TR	3,504	$336K	0.1%	$68.79	—	US LRG CAP ETF	808524201
PG	PROCTER AND GAMBLE CO	2,423	$328K	0.1%	$100.99	+14.5%	COM	742718109
DUK	DUKE ENERGY CORP NEW	3,378	$326K	0.1%	$70.45	+7.1%	COM NEW	26441C204
CMCSA	COMCAST CORP NEW	5,957	$322K	0.1%	$32.44	+42.2%	CL A	20030N101
D	DOMINION ENERGY INC	4,018	$305K	0.1%	$59.16	-1.1%	COM	25746U109
DE	DEERE & CO	799	$299K	0.1%	$232.12	+32.5%	COM	244199105
EW	EDWARDS LIFESCIENCES CORP	3,501	$293K	0.1%	$62.94	+34.3%	COM	28176E108
NBTB	NBT BANCORP INC	7,250	$289K	0.1%	$30.18	+21.9%	COM	628778102
KEY	KEYCORP	14,345	$287K	0.1%	$9.39	+62.3%	COM	493267108
PLUG	PLUG POWER INC	7,977	$286K	0.1%	$11.02	+367.8%	COM NEW	72919P202
PFE	PFIZER INC	7,379	$267K	0.1%	$28.55	-1.8%	COM	717081103
KO	COCA COLA CO	4,850	$256K	0.1%	$38.72	+12.0%	COM	191216100
SO	SOUTHERN CO	4,071	$253K	0.1%	$49.52	+0.6%	COM	842587107
SCHW	SCHWAB CHARLES CORP	3,813	$249K	0.1%	$56.91	0.0%	COM	808513105
SCHA	SCHWAB STRATEGIC TR	2,462	$245K	0.1%	$88.95	—	US SML CAP ETF	808524607
VNQI	VANGUARD INTL EQUITY INDEX F	4,295	$239K	0.1%	$54.28	—	GLB EX US ETF	922042676
SDY	SPDR SER TR	1,981	$234K	0.1%	$118.12	—	S&P DIVID ETF	78464A763
SCHG	SCHWAB STRATEGIC TR	1,802	$234K	0.1%	$81.89	—	US LCAP GR ETF	808524300
PBFS	PIONEER BANCORP INC	19,500	$227K	0.1%	$8.68	+30.4%	COM	723561106
AXP	AMERICAN EXPRESS CO	1,460	$207K	0.0%	$124.36	0.0%	COM	025816109
CSX	CSX CORP	2,077	$200K	0.0%	$28.57	0.0%	COM	126408103
—	TRUSTCO BK CORP N Y	11,589	$85,000	0.0%	$5.18	—	COM	898349105