Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
FXNAX	Fidelity US Bond Index Instl	6,130,097	$69.15M	11.2%	$11.24	—	Com	316146356
GUNR	FlexShares Mstar Glbl Upstrm N	1,301,395	$38.1M	6.2%	$30.51	—	Com	33939L407
FXAIX	Fidelity 500 Index Fund	415,624	$36.2M	5.9%	$91.50	—	Com	315911750
MSFT	Microsoft Corp	147,430	$14.97M	2.4%	$26.70	+274.5%	Com	594918104
JNJ	Johnson & Johnson	105,552	$13.62M	2.2%	$61.74	+84.9%	Com	478160104
AAPL	Apple Inc	82,505	$13.01M	2.1%	$18.03	+155.3%	Com	037833100
JPM	JP Morgan Chase & CO	127,146	$12.41M	2.0%	$36.53	+139.6%	Com	46625H100
FIPDX	Fidelity Inflation Protected B	1,288,198	$12.22M	2.0%	$9.62	—	Com	31635T104
XOM	Exxonmobil Corp	178,755	$12.19M	2.0%	$53.69	+5.0%	Com	30231G102
PG	Procter & Gamble CO	123,726	$11.37M	1.8%	$55.00	+35.9%	Com	742718109
MCD	McDonalds Corp	61,765	$10.97M	1.8%	$71.80	+109.1%	Com	580135101
SDY	SPDR S&P Dividend ETF	116,147	$10.4M	1.7%	$69.78	—	Com	78464A763
CVX	Chevron Corporation	85,794	$9.334M	1.5%	$70.82	+19.7%	Com	166764100
PEP	Pepsico Inc	77,063	$8.514M	1.4%	$56.14	+61.5%	Com	713448108
PFE	Pfizer Inc	189,686	$8.28M	1.3%	$16.46	+82.5%	Com	717081103
INTC	Intel Corp	171,156	$8.033M	1.3%	$17.56	+128.9%	Com	458140100
LOW	Lowes Cos Inc	86,212	$7.963M	1.3%	$32.16	+163.1%	Com	548661107
MDY	Midcap SPDR Trust Series 1	24,923	$7.543M	1.2%	$210.09	—	Com	78467Y107
BSIIX	Blackrock Strategic Income Opp	758,563	$7.282M	1.2%	$9.71	—	Com	09260B382
—	United Technologies Corp	67,555	$7.193M	1.2%	$92.93	—	Com	913017109
DIS	Disney Walt CO New	62,781	$6.884M	1.1%	$58.43	+86.7%	Com	254687106
ABT	Abbott Labs	90,681	$6.559M	1.1%	$29.22	+112.7%	Com	002824100
BHYIX	Blackrock High Yield Bond Port	914,206	$6.527M	1.1%	$7.44	—	Com	09260B630
NBTB	NBT Bancorp Inc	185,900	$6.43M	1.0%	$21.50	+70.8%	Com	628778102
UNP	Union Pac Corp	46,426	$6.417M	1.0%	$64.86	+94.9%	Com	907818108
VZ	Verizon Communications	105,351	$5.923M	1.0%	$27.05	+42.8%	Com	92343V104
VOO	Vanguard S&P 500 ETF	23,678	$5.441M	0.9%	$175.72	—	Com	922908363
CSCO	Cisco Systems Inc	125,405	$5.434M	0.9%	$15.41	+139.6%	Com	17275R102
BMY	Bristol Myers Squibb CO	102,074	$5.305M	0.9%	$29.25	+40.1%	Com	110122108
IWM	Ishares Russell 2000 ETF	39,082	$5.233M	0.8%	$100.82	—	Com	464287655
MRK	Merck & CO Inc	67,990	$5.195M	0.8%	$31.11	+81.6%	Com	58933Y105
WFC	Wells Fargo & CO	111,827	$5.153M	0.8%	$28.16	+49.3%	Com	949746101
GOOG	Alphabet Inc Cl C	4,885	$5.059M	0.8%	$36.34	+46.2%	Com	02079K107
—	DowDuPont Inc	94,238	$5.04M	0.8%	$69.24	—	Com	26078J100
ABBV	Abbvie Inc	53,212	$4.905M	0.8%	$27.95	+131.8%	Com	00287Y109
ADP	Automatic Data Processing Inc	36,322	$4.763M	0.8%	$45.09	+168.7%	Com	053015103
TROW	T Rowe Price Group Inc	50,540	$4.666M	0.8%	$47.73	+53.2%	Com	74144T108
DHR	Danaher Corp	43,163	$4.451M	0.7%	$25.01	+251.5%	Com	235851102
BRK/B	Berkshire Hathaway Inc-Cl B	21,377	$4.365M	0.7%	$110.21	+89.5%	Com	084670702
BA	Boeing CO	13,391	$4.319M	0.7%	$81.07	+313.2%	Com	097023105
SPY	SPDR S&P 500 ETF Trust	16,358	$4.088M	0.7%	$160.40	—	Com	78462F103
EFA	Ishares Msci Eafe ETF	67,824	$3.987M	0.6%	$59.06	—	Com	464287465
IBB	Ishares Nasdaq Biotech ETF	40,260	$3.882M	0.6%	$129.38	—	Com	464287556
KO	Coca Cola CO	81,391	$3.854M	0.6%	$28.20	+36.1%	Com	191216100
UNH	Unitedhealth Group Inc	14,570	$3.63M	0.6%	$52.57	+347.1%	Com	91324P102
EEM	Ishares Msci Emerging Mkt ETF	89,195	$3.484M	0.6%	$38.58	—	Com	464287234
HON	Honeywell International Inc	25,807	$3.41M	0.6%	$58.52	+101.1%	Com	438516106
IBM	Intl. Business Machines Corp	29,912	$3.4M	0.5%	$116.94	-24.8%	Com	459200101
TJX	TJX Cos Inc	75,810	$3.392M	0.5%	$35.86	+28.0%	Com	872540109
DE	Deere & CO	22,533	$3.362M	0.5%	$91.72	+43.7%	Com	244199105
T	AT&T Inc	110,777	$3.162M	0.5%	$11.40	+23.0%	Com	00206R102
LMT	Lockheed Martin Corp	12,053	$3.156M	0.5%	$71.65	+249.0%	Com	539830109
CAT	Caterpillar Inc	24,383	$3.098M	0.5%	$61.21	+82.2%	Com	149123101
NKE	Nike Inc-Class B	40,997	$3.04M	0.5%	$40.73	+67.3%	Com	654106103
KRE	SPDR S&P Regional Banking ETF	64,395	$3.013M	0.5%	$35.16	—	Com	78464A698
CVS	CVS Health Corp	45,731	$2.996M	0.5%	$41.82	+42.0%	Com	126650100
QCOM	Qualcomm Inc	52,081	$2.964M	0.5%	$44.48	+14.3%	Com	747525103
PFF	Ishares S&P Pref Stk ETF	86,444	$2.959M	0.5%	$39.14	—	Com	464288687
TGT	Target Corp	44,267	$2.926M	0.5%	$48.21	+31.3%	Com	87612E106
DON	WisdomTree MidCap Dividend ETF	92,315	$2.919M	0.5%	$31.99	—	Com	97717W505
NEE	Nextera Energy Inc	16,503	$2.869M	0.5%	$14.28	+156.7%	Com	65339F101
GOOGL	Alphabet Inc Cl A	2,736	$2.859M	0.5%	$37.27	+43.9%	Com	02079K305
PM	Philip Morris International	41,411	$2.765M	0.4%	$49.85	+14.9%	Com	718172109
XLU	Utilities Select Sector SPDR	51,414	$2.721M	0.4%	$38.82	—	Com	81369Y886
WMT	Wal Mart Inc	27,994	$2.608M	0.4%	$20.15	+42.8%	Com	931142103
MO	Altria Group Inc	51,948	$2.566M	0.4%	$16.28	+103.5%	Com	02209S103
NVS	Novartis Ag Spons ADR	29,856	$2.562M	0.4%	$71.85	—	Com	66987V109
ORCL	Oracle Corporation	54,812	$2.475M	0.4%	$28.30	+52.5%	Com	68389X105
PRU	Prudential Finl Inc	29,086	$2.372M	0.4%	$38.93	+66.2%	Com	744320102
MCHP	Microchip Technology Inc	32,885	$2.365M	0.4%	$15.64	+97.4%	Com	595017104
—	Linde PLC	14,957	$2.334M	0.4%	$156.05	—	Com	G5494J103
MMM	3m CO	11,892	$2.266M	0.4%	$61.26	+109.3%	Com	88579Y101
V	Visa Inc Cl A	15,304	$2.019M	0.3%	$109.16	+20.4%	Com	92826C839
D	Dominion Resources Inc	27,495	$1.965M	0.3%	$35.08	+51.8%	Com	25746U109
AWK	American Water Works CO Inc	21,631	$1.964M	0.3%	$32.48	+145.9%	Com	030420103
GWW	Grainger W W Inc	6,890	$1.945M	0.3%	$201.89	+34.0%	Com	384802104
MDT	Medtronic PLC	21,251	$1.933M	0.3%	$58.11	+32.7%	Com	G5960L103
XLK	Technology Select Sect SPDR	30,720	$1.904M	0.3%	$30.59	—	Com	81369Y803
CL	Colgate Palmolive CO	31,628	$1.883M	0.3%	$44.38	+19.2%	Com	194162103
NSC	Norfolk Southern Corp	12,228	$1.828M	0.3%	$60.45	+135.5%	Com	655844108
IJH	Ishares Core S&P Mid-Cap ETF	10,942	$1.817M	0.3%	$116.15	—	Com	464287507
SLB	Schlumberger Ltd	47,328	$1.707M	0.3%	$53.41	-24.7%	Com	806857108
XLRE	Real Estate Select Sect SPDR	54,768	$1.697M	0.3%	$31.43	—	Com	81369Y860
ECL	Ecolab Inc	11,474	$1.691M	0.3%	$73.90	+91.4%	Com	278865100
XLB	Materials Select SPDR Fund	33,031	$1.668M	0.3%	$43.00	—	Com	81369Y100
MOO	Vaneck Vectors Agribusiness ET	28,537	$1.624M	0.3%	$48.03	—	Com	92189F700
ALV	Autoliv Inc	22,998	$1.615M	0.3%	$40.38	+69.2%	Com	052800109
VNQ	Vanguard Real Estate ETF	21,366	$1.593M	0.3%	$71.51	—	Com	922908553
APD	Air Products & Chemicals Inc	9,907	$1.586M	0.3%	$61.68	+116.0%	Com	009158106
XLY	Consumer Discretionary Selt	15,877	$1.572M	0.3%	$56.41	—	Com	81369Y407
SO	Southern Company	34,493	$1.515M	0.2%	$26.73	+28.2%	Com	842587107
HD	Home Depot Inc	8,778	$1.508M	0.2%	$61.21	+145.7%	Com	437076102
CLX	Clorox Company	9,637	$1.485M	0.2%	$60.55	+109.0%	Com	189054109
GS	Goldman Sachs Group Inc	8,557	$1.429M	0.2%	$121.94	+40.1%	Com	38141G104
DES	WisdomTree SmallCap Dividend E	56,005	$1.374M	0.2%	$24.53	—	Com	97717W604
CRM	Salesforce.Com	9,970	$1.365M	0.2%	$113.61	+19.6%	Com	79466L302
USB	US Bancorp New	29,106	$1.33M	0.2%	$22.80	+67.9%	Com	902973304
DIA	SPDR Dow Jones Industrial Aver	5,685	$1.325M	0.2%	$148.55	—	Com	78467X109
IEMG	Ishares Core Emerging Markets	27,281	$1.287M	0.2%	$47.18	—	Com	46434G103
IYZ	Ishares DJ US Telcom Sector ET	48,048	$1.266M	0.2%	$28.05	—	Com	464287713
MDLZ	Mondelez International Inc	31,486	$1.26M	0.2%	$23.90	+49.8%	Com	609207105
EMR	Emerson Elec CO	20,646	$1.233M	0.2%	$40.46	+40.9%	Com	291011104
VWO	Vanguard Ftse Emerging Markets	31,927	$1.217M	0.2%	$40.00	—	Com	922042858
LLY	Lilly Eli & CO	9,878	$1.143M	0.2%	$48.14	+110.6%	Com	532457108
XLV	Health Care Select Sector SPDR	13,049	$1.129M	0.2%	$51.91	—	Com	81369Y209
XLI	Industrial Select Sector SPDR	16,815	$1.083M	0.2%	$42.64	—	Com	81369Y704
VCIT	Vanguard Inter Term Corp Bond	12,591	$1.044M	0.2%	$83.00	—	Com	92206C870
FISV	Fiserv Inc	13,481	$991K	0.2%	$46.59	+65.9%	Com	337738108
SYY	Sysco Corp	15,704	$984K	0.2%	$24.65	+126.1%	Com	871829107
C	Citigroup Inc	18,381	$957K	0.2%	$42.18	+17.0%	Com	172967424
GD	General Dynamics Corp	6,006	$944K	0.2%	$110.37	+37.8%	Com	369550108
GIS	General Mls Inc	24,191	$942K	0.2%	$32.73	+0.7%	Com	370334104
AMZN	Amazon.Com Inc	623	$936K	0.2%	$47.00	+76.9%	Com	023135106
XLF	Financial Select Sector SPDR	39,089	$931K	0.2%	$19.45	—	Com	81369Y605
—	Activision Blizzard, Inc	19,149	$892K	0.1%	$34.52	—	Com	00507V109
COP	Conocophillips	14,087	$879K	0.1%	$39.96	+33.7%	Com	20825C104
—	General Electric Corp	115,571	$875K	0.1%	$23.19	—	Com	369604103
BAX	Baxter Intl Inc	13,047	$859K	0.1%	$31.56	+86.8%	Com	071813109
TXT	Textron Inc	18,250	$839K	0.1%	$26.50	+110.1%	Com	883203101
SCZ	Ishares Msci Eafe Small Cap ET	15,695	$813K	0.1%	$51.80	—	Com	464288273
—	Apache Corp	30,890	$811K	0.1%	$69.50	—	Com	037411105
CMCSA	ComCast Corp-Cl A	23,580	$803K	0.1%	$23.95	+27.0%	Com	20030N101
BAC	Bank of America Corp	32,443	$799K	0.1%	$12.09	+88.6%	Com	060505104
ETN	Eaton Corp PLC	11,272	$774K	0.1%	$48.43	+34.3%	Com	G29183103
AMGN	Amgen Inc	3,795	$739K	0.1%	$100.89	+55.4%	Com	031162100
AXP	American Express CO	7,643	$728K	0.1%	$63.93	+48.6%	Com	025816109
NUE	Nucor Corp	14,005	$725K	0.1%	$35.43	+43.1%	Com	670346105
GLW	Corning Inc	23,666	$715K	0.1%	$13.56	+93.0%	Com	219350105
AROW	Arrow Finl Corp	22,183	$710K	0.1%	$24.66	0.0%	Com	042744102
BDX	Becton Dickinson	2,993	$675K	0.1%	$85.05	+144.8%	Com	075887109
UPS	United Parcel Service Cl B	6,767	$660K	0.1%	$59.81	+37.2%	Com	911312106
SPIB	SPDR Portfolio Intermediate Te	19,828	$655K	0.1%	$33.61	—	Com	78464A375
XLE	Energy Select Sector SPDR	11,401	$654K	0.1%	$77.03	—	Com	81369Y506
FTV	Fortive Corp	9,442	$638K	0.1%	$30.87	+47.7%	Com	34959J108
CI	Cigna Corp	3,335	$634K	0.1%	$190.77	0.0%	Com	125523100
YUM	Yum! Brands Inc	6,825	$628K	0.1%	$40.41	+94.0%	Com	988498101
—	Glaxo Smithkline Spons ADR	16,091	$615K	0.1%	$49.12	—	Com	37733W105
—	Walgreens Boots Alliance Inc	8,892	$608K	0.1%	$84.60	—	Com	931427108
XLP	Consumer Staples Select Sector	11,966	$608K	0.1%	$40.11	—	Com	81369Y308
KMB	Kimberly Clark Corp	5,315	$605K	0.1%	$63.75	+35.5%	Com	494368103
FSMDX	Fidelity Mid Cap Index Fund	30,515	$568K	0.1%	$18.61	—	Com	316146265
BK	Bank of New York Mellon Corp	11,897	$560K	0.1%	$22.38	+77.2%	Com	064058100
—	Veoneer Incorporated Com	23,106	$544K	0.1%	$55.09	—	Com	92336X109
XYL	Xylem Inc	8,142	$543K	0.1%	$24.87	+155.5%	Com	98419M100
ICE	Intercontinental Exchange Inc	7,133	$537K	0.1%	$58.85	+18.8%	Com	45866F104
SYK	Stryker Corporation	3,427	$537K	0.1%	$60.00	+157.9%	Com	863667101
COST	Costco Wholesale Corp	2,541	$518K	0.1%	$125.39	+61.1%	Com	22160K105
ZBH	Zimmer Biomet Holdings Inc	4,603	$478K	0.1%	$72.89	+45.5%	Com	98956P102
HYG	Ishares IBoxx High Yield Corpo	5,685	$461K	0.1%	$83.59	—	Com	464288513
MET	Metlife Inc	10,886	$447K	0.1%	$30.11	+11.8%	Com	59156R108
DUK	Duke Energy Corp	5,143	$444K	0.1%	$48.58	+31.5%	Com	26441C204
META	Facebook Inc-A	3,336	$437K	0.1%	$119.29	+20.6%	Com	30303M102
—	Celgene Corp	6,529	$419K	0.1%	$114.98	—	Com	151020104
CSX	Csx Corp	6,709	$417K	0.1%	$7.93	+163.5%	Com	126408103
KHC	Kraft Heinz CO	9,658	$416K	0.1%	$48.07	-23.8%	Com	500754106
BP	BP PLC Spons ADR	10,190	$387K	0.1%	$36.23	—	Com	055622104
BBY	Best Buy Company Inc	7,131	$378K	0.1%	$21.26	+133.6%	Com	086516101
EXC	Exelon Corp	8,379	$378K	0.1%	$16.30	+52.9%	Com	30161N101
STT	State Street Corp	5,813	$366K	0.1%	$48.20	+17.9%	Com	857477103
ITW	Illinois Tool Wks Inc	2,846	$361K	0.1%	$51.36	+115.2%	Com	452308109
BIV	Vanguard Intermediate-Term Bon	4,370	$355K	0.1%	$83.42	—	Com	921937819
GILD	Gilead Sciences Inc	5,200	$325K	0.1%	$48.14	+10.1%	Com	375558103
BIIB	Biogen Inc	1,059	$319K	0.1%	$296.01	+7.8%	Com	09062X103
SCHW	Charles Schwab Corp	6,785	$282K	0.0%	$37.71	+8.5%	Com	808513105
KSS	Kohls Corp	4,020	$267K	0.0%	$47.23	+48.6%	Com	500255104
BND	Vanguard Total Bond Market ETF	3,361	$266K	0.0%	$83.00	—	Com	921937835
SBUX	Starbucks Corp	4,111	$265K	0.0%	$53.65	0.0%	Com	855244109
UVSP	Univest Corp of Pennsylvania	11,812	$255K	0.0%	$26.66	-8.8%	Com	915271100
PEG	Public Service Enterprise Grou	4,807	$250K	0.0%	$23.96	+76.5%	Com	744573106
BHP	BHP Group Ltd Spons ADR	5,149	$249K	0.0%	$34.73	—	Com	088606108
VFC	V.F. Corp	3,394	$243K	0.0%	$61.51	+24.4%	Com	918204108
—	Royal Dutch Shell Spons ADR	4,046	$236K	0.0%	$61.64	—	Com	780259206
IGSB	ISHARES TR SHORT-TERM CORP BD	4,478	$231K	0.0%	$81.05	—	Com	464288646
CAH	Cardinal Health Inc	5,185	$231K	0.0%	$42.24	0.0%	Com	14149Y108
AGG	Ishares Core Total U.S. Aggreg	2,130	$227K	0.0%	$109.63	—	Com	464287226
—	Dreyfus International Stock I	12,957	$220K	0.0%	$16.98	—	Com	86271F768
DLR	Digital Realty Trust Inc REIT	2,056	$219K	0.0%	$86.71	-0.6%	Com	253868103
AMT	American Tower Corp REIT	1,365	$216K	0.0%	$129.50	0.0%	Com	03027X100
FSSNX	Fidelity Small Cap Index Fund	12,099	$209K	0.0%	$17.27	—	Com	316146182
—	Dreyfus International Stock In	12,908	$194K	0.0%	$15.03	—	Com	26202Y205
MIMSX	Bny Mellon Fds Mid Cap Multi-S	11,768	$168K	0.0%	$14.28	—	Com	05569M608
KEY	Keycorp	11,062	$164K	0.0%	$8.36	+49.7%	Com	493267108
MIEGX	BNY Mellon Fds Emerging Market	15,064	$149K	0.0%	$9.89	—	Com	05569M848
FMAGX	Fidelity Magellan Fd	10,403	$93,000	0.0%	$11.34	—	Com	316184100