Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
GUNR	FlexShares Mstar Glbl Upstrm N	1,324,263	$43.37M	7.9%	$30.55	—	Com	33939L407
MSFT	Microsoft Corp	145,348	$17.14M	3.1%	$26.70	+283.1%	Com	594918104
AAPL	Apple Inc	80,637	$15.32M	2.8%	$18.03	+124.3%	Com	037833100
JNJ	Johnson & Johnson	103,174	$14.42M	2.6%	$61.74	+78.7%	Com	478160104
XOM	Exxonmobil Corp	177,584	$14.35M	2.6%	$53.69	+3.2%	Com	30231G102
JPM	JP Morgan Chase & CO	125,480	$12.7M	2.3%	$36.53	+133.6%	Com	46625H100
PG	Procter & Gamble CO	121,467	$12.64M	2.3%	$55.00	+49.2%	Com	742718109
SDY	SPDR S&P Dividend ETF	115,742	$11.51M	2.1%	$69.78	—	Com	78464A763
MCD	McDonalds Corp	59,456	$11.29M	2.1%	$71.80	+115.3%	Com	580135101
CVX	Chevron Corporation	85,785	$10.57M	1.9%	$70.82	+23.5%	Com	166764100
LOW	Lowes Cos Inc	85,242	$9.331M	1.7%	$32.16	+173.8%	Com	548661107
PEP	Pepsico Inc	76,064	$9.321M	1.7%	$56.14	+64.7%	Com	713448108
INTC	Intel Corp	169,713	$9.114M	1.7%	$17.56	+149.6%	Com	458140100
SCHD	Schwab US Dividend Equity ETF	172,703	$9.029M	1.6%	$52.28	—	Com	808524797
—	United Technologies Corp	66,326	$8.549M	1.6%	$92.93	—	Com	913017109
MDY	Midcap SPDR Trust Series 1	23,144	$7.994M	1.5%	$210.09	—	Com	78467Y107
PFE	Pfizer Inc	186,601	$7.924M	1.4%	$16.46	+77.7%	Com	717081103
UNP	Union Pac Corp	44,788	$7.488M	1.4%	$64.86	+112.9%	Com	907818108
DIS	Disney Walt CO New	65,971	$7.325M	1.3%	$60.83	+77.4%	Com	254687106
ABT	Abbott Labs	90,013	$7.195M	1.3%	$29.22	+126.2%	Com	002824100
CSCO	Cisco Systems Inc	123,406	$6.663M	1.2%	$15.41	+156.5%	Com	17275R102
NBTB	NBT Bancorp Inc	181,782	$6.546M	1.2%	$21.50	+71.6%	Com	628778102
VZ	Verizon Communications	110,477	$6.533M	1.2%	$27.60	+41.1%	Com	92343V104
VOO	Vanguard S&P 500 ETF	23,678	$6.145M	1.1%	$175.72	—	Com	922908363
IWM	Ishares Russell 2000 ETF	37,728	$5.775M	1.1%	$100.82	—	Com	464287655
GOOG	Alphabet Inc Cl C	4,841	$5.68M	1.0%	$36.34	+53.2%	Com	02079K107
ADP	Automatic Data Processing Inc	35,388	$5.653M	1.0%	$45.09	+178.2%	Com	053015103
DHR	Danaher Corp	42,765	$5.646M	1.0%	$25.01	+297.5%	Com	235851102
MRK	Merck & CO Inc	66,063	$5.494M	1.0%	$31.11	+93.8%	Com	58933Y105
WFC	Wells Fargo & CO	107,308	$5.185M	0.9%	$28.16	+44.7%	Com	949746101
DON	WisdomTree MidCap Dividend ETF	141,317	$5.058M	0.9%	$33.31	—	Com	97717W505
BMY	Bristol Myers Squibb CO	103,469	$4.936M	0.9%	$29.38	+30.4%	Com	110122108
—	DowDuPont Inc	92,006	$4.904M	0.9%	$69.24	—	Com	26078J100
BA	Boeing CO	12,845	$4.9M	0.9%	$81.07	+362.8%	Com	097023105
TROW	T Rowe Price Group Inc	47,749	$4.781M	0.9%	$47.73	+53.4%	Com	74144T108
IBB	Ishares Nasdaq Biotech ETF	38,694	$4.326M	0.8%	$129.38	—	Com	464287556
BRK/B	Berkshire Hathaway Inc-Cl B	21,019	$4.222M	0.8%	$110.21	+83.2%	Com	084670702
SPY	SPDR S&P 500 ETF Trust	14,905	$4.211M	0.8%	$160.40	—	Com	78462F103
HON	Honeywell International Inc	25,794	$4.099M	0.7%	$58.52	+107.0%	Com	438516106
IBM	Intl. Business Machines Corp	28,910	$4.079M	0.7%	$116.94	-19.1%	Com	459200101
TJX	TJX Cos Inc	75,991	$4.043M	0.7%	$35.86	+26.8%	Com	872540109
ABBV	Abbvie Inc	49,507	$3.99M	0.7%	$27.95	+118.3%	Com	00287Y109
T	AT&T Inc	124,692	$3.91M	0.7%	$11.71	+21.0%	Com	00206R102
EFA	Ishares Msci Eafe ETF	59,681	$3.871M	0.7%	$59.06	—	Com	464287465
KO	Coca Cola CO	81,029	$3.797M	0.7%	$28.20	+34.0%	Com	191216100
PM	Philip Morris International	41,531	$3.671M	0.7%	$49.85	+12.5%	Com	718172109
DE	Deere & CO	22,594	$3.611M	0.7%	$91.72	+57.6%	Com	244199105
EEM	Ishares Msci Emerging Mkt ETF	83,306	$3.576M	0.7%	$38.58	—	Com	464287234
UNH	Unitedhealth Group Inc	14,222	$3.517M	0.6%	$52.57	+333.0%	Com	91324P102
LMT	Lockheed Martin Corp	11,450	$3.437M	0.6%	$71.65	+240.0%	Com	539830109
TGT	Target Corp	41,978	$3.369M	0.6%	$48.21	+25.9%	Com	87612E106
NKE	Nike Inc-Class B	39,922	$3.362M	0.6%	$40.73	+85.1%	Com	654106103
CAT	Caterpillar Inc	24,518	$3.322M	0.6%	$61.21	+87.2%	Com	149123101
KRE	SPDR S&P Regional Banking ETF	63,386	$3.254M	0.6%	$35.16	—	Com	78464A698
PFF	Ishares S&P Pref Stk ETF	86,159	$3.149M	0.6%	$39.14	—	Com	464288687
MO	Altria Group Inc	53,012	$3.045M	0.6%	$16.55	+79.6%	Com	02209S103
NEE	Nextera Energy Inc	15,689	$3.033M	0.6%	$14.28	+170.2%	Com	65339F101
IEMG	Ishares Core Emerging Markets	56,566	$2.925M	0.5%	$49.52	—	Com	46434G103
XLU	Utilities Select Sector SPDR	49,567	$2.883M	0.5%	$38.82	—	Com	81369Y886
NVS	Novartis Ag Spons ADR	29,699	$2.855M	0.5%	$71.85	—	Com	66987V109
ORCL	Oracle Corporation	51,623	$2.772M	0.5%	$28.30	+62.8%	Com	68389X105
GOOGL	Alphabet Inc Cl A	2,322	$2.733M	0.5%	$37.27	+50.3%	Com	02079K305
QCOM	Qualcomm Inc	46,980	$2.679M	0.5%	$44.48	+2.8%	Com	747525103
WMT	Wal Mart Inc	27,459	$2.678M	0.5%	$20.15	+45.1%	Com	931142103
PRU	Prudential Finl Inc	28,944	$2.66M	0.5%	$38.93	+68.3%	Com	744320102
DES	WisdomTree SmallCap Dividend E	95,391	$2.627M	0.5%	$25.77	—	Com	97717W604
—	Linde PLC	14,721	$2.59M	0.5%	$156.05	—	Com	G5494J103
SCZ	Ishares Msci Eafe Small Cap ET	44,975	$2.583M	0.5%	$55.47	—	Com	464288273
CVS	CVS Health Corp	46,979	$2.533M	0.5%	$42.03	+17.7%	Com	126650100
MMM	3m CO	11,802	$2.452M	0.4%	$61.26	+113.9%	Com	88579Y101
NSC	Norfolk Southern Corp	11,948	$2.233M	0.4%	$60.45	+148.9%	Com	655844108
AWK	American Water Works CO Inc	21,061	$2.196M	0.4%	$32.48	+165.6%	Com	030420103
XLK	Technology Select Sect SPDR	28,515	$2.11M	0.4%	$30.59	—	Com	81369Y803
CL	Colgate Palmolive CO	30,279	$2.075M	0.4%	$44.38	+23.9%	Com	194162103
SLB	Schlumberger Ltd	47,541	$2.071M	0.4%	$53.41	-33.1%	Com	806857108
D	Dominion Resources Inc	26,954	$2.067M	0.4%	$35.08	+53.6%	Com	25746U109
IJH	Ishares Core S&P Mid-Cap ETF	10,704	$2.028M	0.4%	$116.15	—	Com	464287507
MCHP	Microchip Technology Inc	24,315	$2.017M	0.4%	$15.64	+132.8%	Com	595017104
GWW	Grainger W W Inc	6,690	$2.013M	0.4%	$201.89	+34.6%	Com	384802104
ECL	Ecolab Inc	11,325	$1.999M	0.4%	$73.90	+104.2%	Com	278865100
MDT	Medtronic PLC	21,806	$1.986M	0.4%	$58.52	+27.0%	Com	G5960L103
XLRE	Real Estate Select Sect SPDR	54,265	$1.966M	0.4%	$31.43	—	Com	81369Y860
VNQ	Vanguard Real Estate ETF	21,433	$1.862M	0.3%	$71.51	—	Com	922908553
CRM	Salesforce.Com	11,532	$1.826M	0.3%	$118.96	+28.7%	Com	79466L302
APD	Air Products & Chemicals Inc	9,537	$1.821M	0.3%	$61.68	+136.1%	Com	009158106
SO	Southern Company	35,044	$1.811M	0.3%	$26.89	+39.1%	Com	842587107
V	Visa Inc Cl A	11,368	$1.775M	0.3%	$109.16	+25.8%	Com	92826C839
XLB	Materials Select SPDR Fund	31,728	$1.761M	0.3%	$43.00	—	Com	81369Y100
MOO	Vaneck Vectors Agribusiness ET	27,843	$1.736M	0.3%	$48.03	—	Com	92189F700
ALV	Autoliv Inc	22,998	$1.691M	0.3%	$40.38	+62.8%	Com	052800109
HD	Home Depot Inc	8,803	$1.689M	0.3%	$61.21	+152.7%	Com	437076102
GS	Goldman Sachs Group Inc	8,610	$1.653M	0.3%	$121.94	+34.6%	Com	38141G104
MDLZ	Mondelez International Inc	31,636	$1.58M	0.3%	$23.90	+62.2%	Com	609207105
XLY	Consumer Discretionary Selt	13,857	$1.578M	0.3%	$56.41	—	Com	81369Y407
CLX	Clorox Company	9,262	$1.486M	0.3%	$60.55	+109.5%	Com	189054109
IYZ	Ishares DJ US Telcom Sector ET	47,208	$1.404M	0.3%	$28.05	—	Com	464287713
EMR	Emerson Elec CO	20,236	$1.386M	0.3%	$40.46	+38.5%	Com	291011104
VWO	Vanguard Ftse Emerging Markets	32,545	$1.384M	0.3%	$40.05	—	Com	922042858
DIA	SPDR Dow Jones Industrial Aver	5,247	$1.36M	0.2%	$148.55	—	Com	78467X109
USB	US Bancorp New	26,607	$1.282M	0.2%	$22.80	+65.0%	Com	902973304
LLY	Lilly Eli & CO	9,655	$1.253M	0.2%	$48.14	+130.5%	Com	532457108
META	Facebook Inc-A	7,466	$1.244M	0.2%	$140.66	+12.3%	Com	30303M102
HYG	Ishares IBoxx High Yield Corpo	14,160	$1.224M	0.2%	$85.30	—	Com	464288513
XLI	Industrial Select Sector SPDR	15,875	$1.191M	0.2%	$42.64	—	Com	81369Y704
AMZN	Amazon.Com Inc	647	$1.152M	0.2%	$48.34	+72.1%	Com	023135106
XLV	Health Care Select Sector SPDR	12,478	$1.144M	0.2%	$51.91	—	Com	81369Y209
—	General Electric Corp	112,225	$1.121M	0.2%	$23.19	—	Com	369604103
C	Citigroup Inc	18,009	$1.12M	0.2%	$42.18	+15.6%	Com	172967424
GD	General Dynamics Corp	6,571	$1.113M	0.2%	$113.24	+26.9%	Com	369550108
VCIT	Vanguard Inter Term Corp Bond	12,591	$1.094M	0.2%	$83.00	—	Com	92206C870
GIS	General Mls Inc	21,110	$1.093M	0.2%	$32.73	+9.3%	Com	370334104
—	Apache Corp	30,971	$1.073M	0.2%	$69.50	—	Com	037411105
CMCSA	ComCast Corp-Cl A	25,944	$1.037M	0.2%	$24.64	+28.0%	Com	20030N101
BAX	Baxter Intl Inc	12,559	$1.021M	0.2%	$31.56	+103.0%	Com	071813109
SYY	Sysco Corp	15,004	$1.002M	0.2%	$24.65	+119.6%	Com	871829107
XLF	Financial Select Sector SPDR	38,857	$999K	0.2%	$19.45	—	Com	81369Y605
ETN	Eaton Corp PLC	11,318	$912K	0.2%	$48.43	+37.3%	Com	G29183103
COP	Conocophillips	13,599	$908K	0.2%	$39.96	+32.6%	Com	20825C104
NUE	Nucor Corp	15,345	$895K	0.2%	$36.77	+37.9%	Com	670346105
BAC	Bank of America Corp	32,443	$895K	0.2%	$12.09	+97.7%	Com	060505104
—	Activision Blizzard, Inc	19,249	$876K	0.2%	$34.52	—	Com	00507V109
AXP	American Express CO	7,896	$863K	0.2%	$64.95	+47.5%	Com	025816109
TXT	Textron Inc	16,000	$811K	0.1%	$26.50	+92.9%	Com	883203101
GLW	Corning Inc	24,416	$808K	0.1%	$13.97	+93.6%	Com	219350105
FISV	Fiserv Inc	9,080	$801K	0.1%	$46.59	+77.1%	Com	337738108
FTV	Fortive Corp	9,104	$764K	0.1%	$30.87	+53.4%	Com	34959J108
UPS	United Parcel Service Cl B	6,820	$762K	0.1%	$59.81	+35.4%	Com	911312106
XLE	Energy Select Sector SPDR	11,298	$747K	0.1%	$77.03	—	Com	81369Y506
AMGN	Amgen Inc	3,805	$723K	0.1%	$100.89	+53.3%	Com	031162100
BDX	Becton Dickinson	2,743	$685K	0.1%	$85.05	+150.1%	Com	075887109
AROW	Arrow Finl Corp	20,745	$682K	0.1%	$24.66	-1.3%	Com	042744102
SPIB	SPDR Portfolio Intermediate Te	19,828	$678K	0.1%	$33.61	—	Com	78464A375
KMB	Kimberly Clark Corp	5,213	$646K	0.1%	$63.75	+43.2%	Com	494368103
XYL	Xylem Inc	8,142	$644K	0.1%	$24.87	+170.3%	Com	98419M100
YUM	Yum! Brands Inc	6,381	$637K	0.1%	$40.41	+106.5%	Com	988498101
COST	Costco Wholesale Corp	2,616	$633K	0.1%	$127.48	+55.6%	Com	22160K105
—	Glaxo Smithkline Spons ADR	15,091	$631K	0.1%	$49.12	—	Com	37733W105
XLP	Consumer Staples Select Sector	11,153	$626K	0.1%	$40.11	—	Com	81369Y308
BK	Bank of New York Mellon Corp	11,897	$600K	0.1%	$22.38	+89.1%	Com	064058100
ICE	Intercontinental Exchange Inc	7,770	$592K	0.1%	$59.64	+14.9%	Com	45866F104
ZBH	Zimmer Biomet Holdings Inc	4,403	$562K	0.1%	$72.89	+47.4%	Com	98956P102
—	Walgreens Boots Alliance Inc	8,775	$555K	0.1%	$84.60	—	Com	931427108
SYK	Stryker Corporation	2,805	$554K	0.1%	$60.00	+178.5%	Com	863667101
—	Veoneer Incorporated Com	23,106	$528K	0.1%	$55.09	—	Com	92336X109
—	Celgene Corp	5,330	$503K	0.1%	$114.98	—	Com	151020104
CSX	Csx Corp	6,709	$502K	0.1%	$7.93	+166.1%	Com	126408103
MET	Metlife Inc	11,186	$476K	0.1%	$30.25	+15.8%	Com	59156R108
CI	Cigna Corp	2,939	$472K	0.1%	$190.77	-12.5%	Com	125523100
DUK	Duke Energy Corp	5,143	$463K	0.1%	$48.58	+37.7%	Com	26441C204
BP	BP PLC Spons ADR	10,422	$455K	0.1%	$36.40	—	Com	055622104
EXC	Exelon Corp	7,929	$397K	0.1%	$16.30	+64.1%	Com	30161N101
ITW	Illinois Tool Wks Inc	2,703	$388K	0.1%	$51.36	+127.8%	Com	452308109
BBY	Best Buy Company Inc	5,398	$384K	0.1%	$21.26	+124.5%	Com	086516101
BIV	Vanguard Intermediate-Term Bon	4,575	$384K	0.1%	$83.45	—	Com	921937819
STT	State Street Corp	5,713	$376K	0.1%	$48.20	+14.9%	Com	857477103
MA	Mastercard Inc Cl A	1,372	$323K	0.1%	$207.20	0.0%	Com	57636Q104
KHC	Kraft Heinz CO	9,406	$307K	0.1%	$48.07	-39.5%	Com	500754106
GILD	Gilead Sciences Inc	4,707	$306K	0.1%	$48.14	+5.6%	Com	375558103
SBUX	Starbucks Corp	4,111	$306K	0.1%	$53.65	+10.5%	Com	855244109
UVSP	Univest Corp of Pennsylvania	11,812	$289K	0.1%	$26.66	-8.4%	Com	915271100
SCHW	Charles Schwab Corp	6,685	$286K	0.1%	$37.71	+8.6%	Com	808513105
PEG	Public Service Enterprise Grou	4,807	$285K	0.1%	$23.96	+84.9%	Com	744573106
BHP	BHP Group Ltd Spons ADR	5,149	$281K	0.1%	$34.73	—	Com	088606108
VFC	V.F. Corp	3,144	$274K	0.0%	$61.51	+26.8%	Com	918204108
BND	Vanguard Total Bond Market ETF	3,361	$273K	0.0%	$83.00	—	Com	921937835
KSS	Kohls Corp	3,895	$268K	0.0%	$47.23	+43.6%	Com	500255104
AMT	American Tower Corp REIT	1,340	$264K	0.0%	$129.50	+12.8%	Com	03027X100
VEA	Vanguard FTSE Developed Market	6,238	$255K	0.0%	$40.88	—	Com	921943858
—	Royal Dutch Shell Spons ADR	4,046	$253K	0.0%	$61.64	—	Com	780259206
CAH	Cardinal Health Inc	5,185	$250K	0.0%	$42.24	-2.8%	Com	14149Y108
DLR	Digital Realty Trust Inc REIT	2,056	$244K	0.0%	$86.71	+1.2%	Com	253868103
IGSB	ISHARES TR SHORT-TERM CORP BD	4,478	$237K	0.0%	$81.05	—	Com	464288646
CTSH	Cognizant Technology Solutions	3,100	$225K	0.0%	$63.20	0.0%	Com	192446102
GPC	Genuine Parts CO	1,991	$223K	0.0%	$84.75	0.0%	Com	372460105
XEL	Xcel Energy Inc	3,861	$217K	0.0%	$43.12	0.0%	Com	98389B100
KBE	Kbw Bank ETF	5,176	$216K	0.0%	$41.73	—	Com	78464A797
AGG	Ishares Core Total U.S. Aggreg	1,955	$213K	0.0%	$109.63	—	Com	464287226
BIIB	Biogen Inc	879	$208K	0.0%	$296.01	+6.4%	Com	09062X103
QLTA	Ishares Aaa-A Rated Corp Bond	3,855	$201K	0.0%	$52.14	—	Com	46429B291
KEY	Keycorp	11,310	$178K	0.0%	$8.44	+41.8%	Com	493267108