Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
GUNR	FlexShares Mstar Glbl Upstrm N	1,337,646	$44.16M	7.9%	$30.58	—	Com	33939L407
MSFT	Microsoft Corp	138,108	$18.5M	3.3%	$26.70	+347.6%	Com	594918104
AAPL	Apple Inc	77,233	$15.29M	2.7%	$18.03	+158.6%	Com	037833100
JNJ	Johnson & Johnson	98,923	$13.78M	2.5%	$61.74	+85.9%	Com	478160104
JPM	JP Morgan Chase & CO	121,839	$13.62M	2.4%	$36.53	+151.9%	Com	46625H100
XOM	Exxonmobil Corp	173,780	$13.32M	2.4%	$53.69	+5.9%	Com	30231G102
PG	Procter & Gamble CO	118,073	$12.95M	2.3%	$55.00	+64.5%	Com	742718109
MCD	McDonalds Corp	57,294	$11.9M	2.1%	$71.80	+136.4%	Com	580135101
SDY	SPDR S&P Dividend ETF	115,702	$11.67M	2.1%	$69.78	—	Com	78464A763
CVX	Chevron Corporation	84,220	$10.48M	1.9%	$70.82	+27.4%	Com	166764100
PEP	Pepsico Inc	73,940	$9.696M	1.7%	$56.14	+86.6%	Com	713448108
DIS	Disney Walt CO New	63,043	$8.803M	1.6%	$60.83	+110.4%	Com	254687106
—	United Technologies Corp	64,795	$8.436M	1.5%	$92.93	—	Com	913017109
LOW	Lowes Cos Inc	80,442	$8.117M	1.5%	$32.16	+190.6%	Com	548661107
PFE	Pfizer Inc	185,327	$8.028M	1.4%	$16.46	+77.6%	Com	717081103
MDY	Midcap SPDR Trust Series 1	22,248	$7.889M	1.4%	$210.09	—	Com	78467Y107
INTC	Intel Corp	163,684	$7.836M	1.4%	$17.56	+145.4%	Com	458140100
SPDW	SPDR Portfolio Developed Wld e	255,279	$7.553M	1.4%	$29.59	—	Com	78463X889
ABT	Abbott Labs	89,562	$7.532M	1.3%	$29.22	+140.3%	Com	002824100
UNP	Union Pac Corp	42,979	$7.269M	1.3%	$64.86	+127.8%	Com	907818108
CSCO	Cisco Systems Inc	119,636	$6.548M	1.2%	$15.41	+193.3%	Com	17275R102
SCHD	Schwab US Dividend Equity ETF	122,309	$6.491M	1.2%	$52.28	—	Com	808524797
NBTB	NBT Bancorp Inc	173,025	$6.49M	1.2%	$21.50	+72.9%	Com	628778102
VOO	Vanguard S&P 500 ETF	23,678	$6.373M	1.1%	$175.72	—	Com	922908363
VZ	Verizon Communications	108,786	$6.215M	1.1%	$27.60	+45.0%	Com	92343V104
DHR	Danaher Corp	41,871	$5.984M	1.1%	$25.01	+359.7%	Com	235851102
ADP	Automatic Data Processing Inc	34,189	$5.653M	1.0%	$45.09	+212.7%	Com	053015103
IWM	Ishares Russell 2000 ETF	36,199	$5.629M	1.0%	$100.82	—	Com	464287655
MRK	Merck & CO Inc	66,026	$5.536M	1.0%	$31.11	+99.7%	Com	58933Y105
GOOG	Alphabet Inc Cl C	4,676	$5.054M	0.9%	$36.34	+57.6%	Com	02079K107
TROW	T Rowe Price Group Inc	45,775	$5.022M	0.9%	$47.73	+68.6%	Com	74144T108
BMY	Bristol Myers Squibb CO	105,374	$4.779M	0.9%	$29.50	+22.4%	Com	110122108
BA	Boeing CO	12,858	$4.681M	0.8%	$81.07	+340.7%	Com	097023105
NFRA	FlexShares STOXX Glbl Brd Infr	88,014	$4.489M	0.8%	$51.00	—	Com	33939L795
HON	Honeywell International Inc	25,415	$4.438M	0.8%	$58.52	+136.9%	Com	438516106
BRK/B	Berkshire Hathaway Inc-Cl B	20,643	$4.4M	0.8%	$110.21	+87.8%	Com	084670702
DON	WisdomTree MidCap Dividend ETF	120,579	$4.365M	0.8%	$33.31	—	Com	97717W505
SPY	SPDR S&P 500 ETF Trust	14,455	$4.235M	0.8%	$160.40	—	Com	78462F103
IEMG	Ishares Core Emerging Markets	80,466	$4.139M	0.7%	$50.09	—	Com	46434G103
IBB	Ishares Nasdaq Biotech ETF	37,740	$4.118M	0.7%	$129.38	—	Com	464287556
LMT	Lockheed Martin Corp	11,081	$4.028M	0.7%	$71.65	+290.5%	Com	539830109
T	AT&T Inc	120,163	$4.027M	0.7%	$11.71	+28.8%	Com	00206R102
EFA	Ishares Msci Eafe ETF	60,527	$3.978M	0.7%	$59.15	—	Com	464287465
KO	Coca Cola CO	77,779	$3.961M	0.7%	$28.20	+41.6%	Com	191216100
IBM	Intl. Business Machines Corp	27,826	$3.838M	0.7%	$116.94	-15.7%	Com	459200101
EEM	Ishares Msci Emerging Mkt ETF	88,236	$3.786M	0.7%	$38.82	—	Com	464287234
DE	Deere & CO	22,149	$3.67M	0.7%	$91.72	+54.2%	Com	244199105
TJX	TJX Cos Inc	68,881	$3.643M	0.7%	$35.86	+35.7%	Com	872540109
TGT	Target Corp	42,011	$3.639M	0.7%	$48.21	+40.5%	Com	87612E106
ABBV	Abbvie Inc	49,149	$3.574M	0.6%	$27.95	+112.5%	Com	00287Y109
SCZ	Ishares Msci Eafe Small Cap ET	57,855	$3.32M	0.6%	$55.89	—	Com	464288273
UNH	Unitedhealth Group Inc	13,595	$3.318M	0.6%	$52.57	+309.8%	Com	91324P102
KRE	SPDR S&P Regional Banking ETF	61,879	$3.306M	0.6%	$35.16	—	Com	78464A698
PM	Philip Morris International	41,161	$3.233M	0.6%	$49.85	+16.9%	Com	718172109
WFC	Wells Fargo & CO	67,192	$3.18M	0.6%	$28.16	+38.8%	Com	949746101
NKE	Nike Inc-Class B	37,801	$3.174M	0.6%	$40.73	+89.3%	Com	654106103
CAT	Caterpillar Inc	23,101	$3.149M	0.6%	$61.21	+87.4%	Com	149123101
PFF	Ishares S&P Pref Stk ETF	84,731	$3.122M	0.6%	$39.14	—	Com	464288687
QCOM	Qualcomm Inc	40,887	$3.11M	0.6%	$44.48	+41.0%	Com	747525103
NEE	Nextera Energy Inc	15,137	$3.101M	0.6%	$14.28	+192.6%	Com	65339F101
WMT	Wal Mart Inc	26,943	$2.977M	0.5%	$20.15	+55.4%	Com	931142103
XLU	Utilities Select Sector SPDR	49,112	$2.929M	0.5%	$38.82	—	Com	81369Y886
PRU	Prudential Finl Inc	28,125	$2.841M	0.5%	$38.93	+83.7%	Com	744320102
CVS	CVS Health Corp	51,962	$2.831M	0.5%	$42.18	+3.3%	Com	126650100
—	Linde PLC	13,797	$2.77M	0.5%	$156.05	—	Com	G5494J103
ORCL	Oracle Corporation	47,847	$2.726M	0.5%	$28.30	+73.7%	Com	68389X105
NVS	Novartis Ag Spons ADR	28,311	$2.585M	0.5%	$71.85	—	Com	66987V109
MO	Altria Group Inc	52,948	$2.507M	0.4%	$16.55	+86.9%	Com	02209S103
GOOGL	Alphabet Inc Cl A	2,253	$2.439M	0.4%	$37.27	+54.2%	Com	02079K305
AWK	American Water Works CO Inc	20,736	$2.405M	0.4%	$32.48	+200.2%	Com	030420103
NSC	Norfolk Southern Corp	11,723	$2.337M	0.4%	$60.45	+186.8%	Com	655844108
DD	Dupont De Nemours Inc	29,619	$2.223M	0.4%	$27.24	0.0%	Com	26614N102
ECL	Ecolab Inc	11,230	$2.217M	0.4%	$73.90	+134.4%	Com	278865100
DES	WisdomTree SmallCap Dividend E	81,407	$2.207M	0.4%	$25.77	—	Com	97717W604
XLK	Technology Select Sect SPDR	28,039	$2.188M	0.4%	$30.59	—	Com	81369Y803
D	Dominion Resources Inc	27,327	$2.113M	0.4%	$35.37	+60.7%	Com	25746U109
MCHP	Microchip Technology Inc	23,988	$2.079M	0.4%	$15.64	+150.6%	Com	595017104
IJH	Ishares Core S&P Mid-Cap ETF	10,686	$2.076M	0.4%	$116.15	—	Com	464287507
APD	Air Products & Chemicals Inc	9,147	$2.071M	0.4%	$61.68	+185.7%	Com	009158106
XLRE	Real Estate Select Sect SPDR	56,219	$2.067M	0.4%	$31.62	—	Com	81369Y860
CL	Colgate Palmolive CO	28,780	$2.063M	0.4%	$44.38	+37.1%	Com	194162103
MMM	3m CO	11,687	$2.026M	0.4%	$61.26	+96.9%	Com	88579Y101
MDT	Medtronic PLC	20,791	$2.025M	0.4%	$58.52	+30.2%	Com	G5960L103
V	Visa Inc Cl A	11,013	$1.912M	0.3%	$109.16	+43.2%	Com	92826C839
HD	Home Depot Inc	8,934	$1.858M	0.3%	$62.80	+170.0%	Com	437076102
SO	Southern Company	33,279	$1.84M	0.3%	$26.89	+53.7%	Com	842587107
VNQ	Vanguard Real Estate ETF	21,041	$1.839M	0.3%	$71.51	—	Com	922908553
SLB	Schlumberger Ltd	46,181	$1.836M	0.3%	$53.41	-37.0%	Com	806857108
XLB	Materials Select SPDR Fund	30,985	$1.813M	0.3%	$43.00	—	Com	81369Y100
MOO	Vaneck Vectors Agribusiness ET	26,904	$1.797M	0.3%	$48.03	—	Com	92189F700
CRM	Salesforce.Com	11,837	$1.796M	0.3%	$119.89	+29.1%	Com	79466L302
GWW	Grainger W W Inc	6,390	$1.714M	0.3%	$201.89	+27.6%	Com	384802104
GS	Goldman Sachs Group Inc	8,327	$1.703M	0.3%	$121.94	+38.7%	Com	38141G104
MDLZ	Mondelez International Inc	31,416	$1.693M	0.3%	$23.90	+84.6%	Com	609207105
META	Facebook Inc-A	8,749	$1.688M	0.3%	$146.64	+23.7%	Com	30303M102
ALV	Autoliv Inc	22,998	$1.622M	0.3%	$40.38	+54.7%	Com	052800109
XLY	Consumer Discretionary Selt	13,512	$1.611M	0.3%	$56.41	—	Com	81369Y407
DOW	Dow Inc Com	29,068	$1.434M	0.3%	$36.37	0.0%	Com	260557103
IYZ	Ishares DJ US Telcom Sector ET	47,566	$1.401M	0.3%	$28.05	—	Com	464287713
DIA	SPDR Dow Jones Industrial Aver	5,100	$1.356M	0.2%	$148.55	—	Com	78467X109
CLX	Clorox Company	8,812	$1.349M	0.2%	$60.55	+107.6%	Com	189054109
VWO	Vanguard Ftse Emerging Markets	31,116	$1.323M	0.2%	$40.05	—	Com	922042858
EMR	Emerson Elec CO	19,798	$1.321M	0.2%	$40.46	+42.0%	Com	291011104
HYG	Ishares IBoxx High Yield Corpo	15,075	$1.314M	0.2%	$85.41	—	Com	464288513
USB	US Bancorp New	24,987	$1.309M	0.2%	$22.80	+70.8%	Com	902973304
CMCSA	ComCast Corp-Cl A	30,919	$1.307M	0.2%	$26.39	+34.6%	Com	20030N101
C	Citigroup Inc	17,647	$1.235M	0.2%	$42.18	+25.4%	Com	172967424
GD	General Dynamics Corp	6,549	$1.191M	0.2%	$113.24	+30.5%	Com	369550108
AMZN	Amazon.Com Inc	621	$1.176M	0.2%	$48.34	+92.7%	Com	023135106
XLI	Industrial Select Sector SPDR	15,101	$1.169M	0.2%	$42.64	—	Com	81369Y704
XLV	Health Care Select Sector SPDR	12,276	$1.137M	0.2%	$51.91	—	Com	81369Y209
VCIT	Vanguard Inter Term Corp Bond	12,591	$1.131M	0.2%	$83.00	—	Com	92206C870
—	General Electric Corp	104,658	$1.099M	0.2%	$23.19	—	Com	369604103
SYY	Sysco Corp	14,854	$1.05M	0.2%	$24.65	+141.6%	Com	871829107
GIS	General Mls Inc	19,659	$1.032M	0.2%	$32.73	+26.0%	Com	370334104
BAX	Baxter Intl Inc	12,453	$1.02M	0.2%	$31.56	+117.0%	Com	071813109
AXP	American Express CO	7,739	$955K	0.2%	$64.95	+65.5%	Com	025816109
LLY	Lilly Eli & CO	8,605	$953K	0.2%	$48.14	+124.4%	Com	532457108
XLF	Financial Select Sector SPDR	34,157	$943K	0.2%	$19.45	—	Com	81369Y605
ETN	Eaton Corp PLC	11,218	$934K	0.2%	$48.43	+47.4%	Com	G29183103
—	Apache Corp	31,398	$909K	0.2%	$68.95	—	Com	037411105
—	Activision Blizzard, Inc	18,382	$868K	0.2%	$34.52	—	Com	00507V109
BAC	Bank of America Corp	29,678	$861K	0.2%	$12.09	+102.7%	Com	060505104
TXT	Textron Inc	16,000	$849K	0.2%	$26.50	+89.7%	Com	883203101
NUE	Nucor Corp	15,142	$834K	0.1%	$36.77	+30.1%	Com	670346105
GLW	Corning Inc	24,806	$824K	0.1%	$14.17	+87.8%	Com	219350105
FISV	Fiserv Inc	9,006	$821K	0.1%	$46.59	+88.1%	Com	337738108
COP	Conocophillips	12,737	$777K	0.1%	$39.96	+23.2%	Com	20825C104
AROW	Arrow Finl Corp	20,745	$721K	0.1%	$24.66	-1.2%	Com	042744102
FTV	Fortive Corp	8,784	$716K	0.1%	$30.87	+63.6%	Com	34959J108
AMGN	Amgen Inc	3,839	$707K	0.1%	$100.89	+44.9%	Com	031162100
SPIB	SPDR Portfolio Intermediate Te	19,828	$693K	0.1%	$33.61	—	Com	78464A375
BDX	Becton Dickinson	2,743	$691K	0.1%	$85.05	+146.6%	Com	075887109
XLE	Energy Select Sector SPDR	10,851	$691K	0.1%	$77.03	—	Com	81369Y506
UPS	United Parcel Service Cl B	6,632	$685K	0.1%	$59.81	+34.0%	Com	911312106
COST	Costco Wholesale Corp	2,573	$680K	0.1%	$127.48	+77.8%	Com	22160K105
CTVA	Corteva Inc Com	22,561	$667K	0.1%	$25.02	0.0%	Com	22052L104
KMB	Kimberly Clark Corp	4,913	$655K	0.1%	$63.75	+60.3%	Com	494368103
XYL	Xylem Inc	7,799	$652K	0.1%	$24.87	+196.0%	Com	98419M100
XLP	Consumer Staples Select Sector	10,951	$636K	0.1%	$40.11	—	Com	81369Y308
ICE	Intercontinental Exchange Inc	7,295	$627K	0.1%	$59.64	+25.7%	Com	45866F104
YUM	Yum! Brands Inc	5,652	$625K	0.1%	$40.41	+127.4%	Com	988498101
—	Glaxo Smithkline Spons ADR	14,991	$600K	0.1%	$49.12	—	Com	37733W105
ZBH	Zimmer Biomet Holdings Inc	4,513	$532K	0.1%	$73.82	+50.3%	Com	98956P102
MET	Metlife Inc	10,536	$523K	0.1%	$30.25	+24.3%	Com	59156R108
BK	Bank of New York Mellon Corp	11,697	$516K	0.1%	$22.38	+73.4%	Com	064058100
GQRE	FlexShares Global Quality Real	8,080	$513K	0.1%	$63.49	—	Com	33939L787
CSX	Csx Corp	6,344	$491K	0.1%	$7.93	+197.0%	Com	126408103
—	Celgene Corp	5,255	$486K	0.1%	$114.98	—	Com	151020104
BP	BP PLC Spons ADR	10,422	$434K	0.1%	$36.40	—	Com	055622104
DUK	Duke Energy Corp	4,890	$431K	0.1%	$48.58	+39.5%	Com	26441C204
—	Veoneer Incorporated Com	23,106	$400K	0.1%	$55.09	—	Com	92336X109
ITW	Illinois Tool Wks Inc	2,604	$392K	0.1%	$51.36	+150.4%	Com	452308109
EXC	Exelon Corp	7,920	$380K	0.1%	$16.30	+71.4%	Com	30161N101
BIV	Vanguard Intermediate-Term Bon	4,375	$378K	0.1%	$83.45	—	Com	921937819
SYK	Stryker Corporation	1,840	$378K	0.1%	$60.00	+196.3%	Com	863667101
—	Walgreens Boots Alliance Inc	6,726	$368K	0.1%	$84.60	—	Com	931427108
IQDF	FlexShares International Quali	15,200	$350K	0.1%	$23.03	—	Com	33939L837
SBUX	Starbucks Corp	4,111	$345K	0.1%	$53.65	+26.6%	Com	855244109
SCHW	Charles Schwab Corp	8,230	$331K	0.1%	$38.08	+4.2%	Com	808513105
BND	Vanguard Total Bond Market ETF	3,976	$330K	0.1%	$83.00	—	Com	921937835
BBY	Best Buy Company Inc	4,679	$327K	0.1%	$21.26	+153.1%	Com	086516101
MA	Mastercard Inc Cl A	1,228	$325K	0.1%	$207.20	+16.5%	Com	57636Q104
GILD	Gilead Sciences Inc	4,607	$311K	0.1%	$48.14	+5.6%	Com	375558103
UVSP	Univest Corp of Pennsylvania	11,812	$310K	0.1%	$26.66	-5.9%	Com	915271100
ALC	Alcon Inc ORD Shs	4,867	$302K	0.1%	$57.87	0.0%	Com	H01301128
KHC	Kraft Heinz CO	9,541	$297K	0.1%	$47.72	-52.2%	Com	500754106
BHP	BHP Group Ltd Spons ADR	4,979	$289K	0.1%	$34.73	—	Com	088606108
STT	State Street Corp	4,848	$272K	0.0%	$48.20	+3.8%	Com	857477103
PEG	Public Service Enterprise Grou	4,582	$270K	0.0%	$23.96	+98.5%	Com	744573106
—	Anadarko Petroleum Corporation	3,749	$264K	0.0%	$70.42	—	Com	032511107
—	Royal Dutch Shell Spons ADR	4,046	$263K	0.0%	$61.64	—	Com	780259206
VEA	Vanguard FTSE Developed Market	6,088	$253K	0.0%	$40.88	—	Com	921943858
GLD	SPDR Gold Trust	1,874	$250K	0.0%	$133.40	—	Com	78463V107
DLR	Digital Realty Trust Inc REIT	2,056	$242K	0.0%	$86.71	+9.1%	Com	253868103
IGSB	ISHARES TR SHORT-TERM CORP BD	4,478	$239K	0.0%	$81.05	—	Com	464288646
XEL	Xcel Energy Inc	3,861	$230K	0.0%	$43.12	+8.8%	Com	98389B100
KBE	SPDR S&P Bank ETF	5,169	$224K	0.0%	$41.73	—	Com	78464A797
FNDF	Schwab Fundamental Intl Lg Co	8,015	$223K	0.0%	$27.82	—	Com	808524755
SCHF	Schwab International Equity ET	6,660	$214K	0.0%	$32.13	—	Com	808524805
IJK	Ishares S&P Midcap 400/Grwth E	926	$210K	0.0%	$226.78	—	Com	464287606
QLTA	Ishares Aaa-A Rated Corp Bond	3,855	$207K	0.0%	$52.14	—	Com	46429B291
IWR	Ishares Russell Mid Cap ETF	3,695	$206K	0.0%	$55.75	—	Com	464287499
BIIB	Biogen Inc	879	$205K	0.0%	$296.01	-22.0%	Com	09062X103
GPC	Genuine Parts CO	1,966	$204K	0.0%	$84.75	+0.8%	Com	372460105
KEY	Keycorp	11,062	$196K	0.0%	$8.44	+45.4%	Com	493267108