Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
GUNR	FlexShares Mstar Glbl Upstrm N	1,356,653	$42.26M	7.4%	$30.58	—	Com	33939L407
MSFT	Microsoft Corp	134,051	$18.64M	3.3%	$26.70	+386.5%	Com	594918104
AAPL	Apple Inc	76,467	$17.13M	3.0%	$18.03	+178.6%	Com	037833100
PG	Procter & Gamble CO	114,609	$14.26M	2.5%	$55.00	+83.6%	Com	742718109
JPM	JP Morgan Chase & CO	119,330	$14.04M	2.5%	$36.53	+160.3%	Com	46625H100
JNJ	Johnson & Johnson	95,294	$12.33M	2.2%	$61.74	+78.2%	Com	478160104
XOM	Exxonmobil Corp	173,277	$12.23M	2.1%	$53.69	+0.1%	Com	30231G102
MCD	McDonalds Corp	55,051	$11.82M	2.1%	$71.80	+157.3%	Com	580135101
EFG	Ishares MSCI EAFE Growth ETF	146,169	$11.77M	2.1%	$80.51	—	Com	464288885
SDY	SPDR S&P Dividend ETF	101,772	$10.44M	1.8%	$69.78	—	Com	78464A763
VOO	Vanguard S&P 500 ETF	37,810	$10.31M	1.8%	$211.93	—	Com	922908363
PEP	Pepsico Inc	73,642	$10.1M	1.8%	$56.14	+94.7%	Com	713448108
CVX	Chevron Corporation	83,534	$9.907M	1.7%	$70.82	+29.2%	Com	166764100
—	United Technologies Corp	63,926	$8.727M	1.5%	$92.93	—	Com	913017109
LOW	Lowes Cos Inc	78,457	$8.627M	1.5%	$32.16	+192.4%	Com	548661107
INTC	Intel Corp	163,385	$8.42M	1.5%	$17.56	+145.0%	Com	458140100
DIS	Disney Walt CO New	60,860	$7.932M	1.4%	$60.83	+120.7%	Com	254687106
MDY	Midcap SPDR Trust Series 1	22,108	$7.793M	1.4%	$210.09	—	Com	78467Y107
ABT	Abbott Labs	89,921	$7.523M	1.3%	$29.22	+160.4%	Com	002824100
SPDW	SPDR Portfolio Developed Wld e	255,994	$7.516M	1.3%	$29.59	—	Com	78463X889
VZ	Verizon Communications	108,341	$6.54M	1.1%	$27.60	+46.5%	Com	92343V104
UNP	Union Pac Corp	40,313	$6.529M	1.1%	$64.86	+124.8%	Com	907818108
PFE	Pfizer Inc	180,880	$6.499M	1.1%	$16.46	+64.2%	Com	717081103
NBTB	NBT Bancorp Inc	160,630	$5.877M	1.0%	$21.50	+70.3%	Com	628778102
DHR	Danaher Corp	39,947	$5.77M	1.0%	$25.01	+386.8%	Com	235851102
CSCO	Cisco Systems Inc	116,291	$5.746M	1.0%	$15.41	+177.8%	Com	17275R102
MRK	Merck & CO Inc	66,600	$5.606M	1.0%	$31.11	+110.4%	Com	58933Y105
ADP	Automatic Data Processing Inc	34,310	$5.538M	1.0%	$45.09	+219.3%	Com	053015103
GOOG	Alphabet Inc Cl C	4,467	$5.445M	1.0%	$36.34	+61.6%	Com	02079K107
IWM	Ishares Russell 2000 ETF	35,215	$5.329M	0.9%	$100.82	—	Com	464287655
BMY	Bristol Myers Squibb CO	103,797	$5.264M	0.9%	$29.50	+24.7%	Com	110122108
TROW	T Rowe Price Group Inc	44,543	$5.089M	0.9%	$47.73	+79.6%	Com	74144T108
BA	Boeing CO	13,083	$4.978M	0.9%	$85.73	+311.0%	Com	097023105
SCHD	Schwab US Dividend Equity ETF	90,235	$4.943M	0.9%	$52.28	—	Com	808524797
T	AT&T Inc	117,623	$4.45M	0.8%	$11.71	+45.2%	Com	00206R102
HON	Honeywell International Inc	25,681	$4.345M	0.8%	$59.36	+134.7%	Com	438516106
NFRA	FlexShares STOXX Glbl Brd Infr	83,899	$4.341M	0.8%	$51.00	—	Com	33939L795
KO	Coca Cola CO	78,614	$4.28M	0.7%	$28.37	+55.0%	Com	191216100
LMT	Lockheed Martin Corp	10,855	$4.234M	0.7%	$71.65	+341.7%	Com	539830109
SPY	SPDR S&P 500 ETF Trust	14,180	$4.208M	0.7%	$160.40	—	Com	78462F103
BRK/B	Berkshire Hathaway Inc-Cl B	19,870	$4.134M	0.7%	$110.21	+87.0%	Com	084670702
TGT	Target Corp	38,404	$4.106M	0.7%	$48.21	+66.7%	Com	87612E106
EFA	Ishares Msci Eafe ETF	61,089	$3.983M	0.7%	$59.15	—	Com	464287465
SCZ	Ishares Msci Eafe Small Cap ET	68,215	$3.904M	0.7%	$56.10	—	Com	464288273
IBM	Intl. Business Machines Corp	26,710	$3.884M	0.7%	$116.94	-12.4%	Com	459200101
TJX	TJX Cos Inc	67,057	$3.737M	0.7%	$35.86	+39.7%	Com	872540109
ABBV	Abbvie Inc	48,237	$3.653M	0.6%	$27.95	+88.1%	Com	00287Y109
EEM	Ishares Msci Emerging Mkt ETF	88,604	$3.622M	0.6%	$38.82	—	Com	464287234
DE	Deere & CO	21,370	$3.605M	0.6%	$91.72	+59.2%	Com	244199105
IBB	Ishares Nasdaq Biotech ETF	36,096	$3.592M	0.6%	$129.38	—	Com	464287556
NEE	Nextera Energy Inc	15,295	$3.564M	0.6%	$14.61	+216.5%	Com	65339F101
NKE	Nike Inc-Class B	37,346	$3.508M	0.6%	$40.73	+93.4%	Com	654106103
IEMG	Ishares Core Emerging Markets	70,196	$3.441M	0.6%	$50.09	—	Com	46434G103
DON	WisdomTree MidCap Dividend ETF	92,994	$3.377M	0.6%	$33.31	—	Com	97717W505
QDEF	FlexShares Quality Dividend De	70,750	$3.235M	0.6%	$45.72	—	Com	33939L845
WFC	Wells Fargo & CO	64,100	$3.233M	0.6%	$28.16	+41.3%	Com	949746101
KRE	SPDR S&P Regional Banking ETF	59,348	$3.133M	0.5%	$35.16	—	Com	78464A698
GOOGL	Alphabet Inc Cl A	2,555	$3.12M	0.5%	$39.81	+47.6%	Com	02079K305
CVS	CVS Health Corp	49,343	$3.112M	0.5%	$42.18	+14.7%	Com	126650100
WMT	Wal Mart Inc	26,135	$3.101M	0.5%	$20.15	+71.0%	Com	931142103
XLU	Utilities Select Sector SPDR	47,293	$3.061M	0.5%	$38.82	—	Com	81369Y886
UNH	Unitedhealth Group Inc	14,081	$3.06M	0.5%	$58.25	+272.7%	Com	91324P102
PFF	Ishares S&P Pref Stk ETF	80,716	$3.029M	0.5%	$39.14	—	Com	464288687
QCOM	Qualcomm Inc	38,921	$2.969M	0.5%	$44.48	+46.1%	Com	747525103
PM	Philip Morris International	38,011	$2.886M	0.5%	$49.85	+13.8%	Com	718172109
ORCL	Oracle Corporation	47,037	$2.589M	0.5%	$28.30	+78.0%	Com	68389X105
AWK	American Water Works CO Inc	20,676	$2.569M	0.4%	$32.48	+229.5%	Com	030420103
PRU	Prudential Finl Inc	27,281	$2.454M	0.4%	$38.93	+68.9%	Com	744320102
NVS	Novartis Ag Spons ADR	28,124	$2.444M	0.4%	$71.85	—	Com	66987V109
—	Linde PLC	12,557	$2.432M	0.4%	$156.05	—	Com	G5494J103
ECL	Ecolab Inc	11,432	$2.264M	0.4%	$75.90	+146.6%	Com	278865100
MCHP	Microchip Technology Inc	23,933	$2.224M	0.4%	$15.64	+156.9%	Com	595017104
XLK	Technology Select Sect SPDR	27,582	$2.221M	0.4%	$30.59	—	Com	81369Y803
D	Dominion Resources Inc	26,822	$2.174M	0.4%	$35.37	+65.1%	Com	25746U109
MDT	Medtronic PLC	19,421	$2.11M	0.4%	$58.52	+49.6%	Com	G5960L103
CL	Colgate Palmolive CO	28,620	$2.104M	0.4%	$44.38	+40.9%	Com	194162103
DD	Dupont De Nemours Inc	29,402	$2.097M	0.4%	$27.24	-4.9%	Com	26614N102
HD	Home Depot Inc	8,996	$2.088M	0.4%	$62.80	+197.9%	Com	437076102
XLRE	Real Estate Select Sect SPDR	52,388	$2.061M	0.4%	$31.62	—	Com	81369Y860
SO	Southern Company	33,279	$2.056M	0.4%	$26.89	+68.3%	Com	842587107
NSC	Norfolk Southern Corp	11,418	$2.052M	0.4%	$60.45	+167.2%	Com	655844108
V	Visa Inc Cl A	11,929	$2.052M	0.4%	$113.86	+49.6%	Com	92826C839
MMM	3m CO	12,442	$2.045M	0.4%	$64.26	+72.2%	Com	88579Y101
IJH	Ishares Core S&P Mid-Cap ETF	10,552	$2.039M	0.4%	$116.15	—	Com	464287507
MO	Altria Group Inc	49,698	$2.033M	0.4%	$16.55	+66.8%	Com	02209S103
APD	Air Products & Chemicals Inc	8,873	$1.968M	0.3%	$61.68	+212.2%	Com	009158106
—	FlexShares Intl Quality Divide	91,790	$1.946M	0.3%	$21.20	—	Com	33939L811
GWW	Grainger W W Inc	6,390	$1.899M	0.3%	$201.89	+27.1%	Com	384802104
VCIT	Vanguard Inter Term Corp Bond	20,256	$1.848M	0.3%	$86.12	—	Com	92206C870
ALV	Autoliv Inc	22,998	$1.814M	0.3%	$40.38	+52.3%	Com	052800109
CRM	Salesforce.Com	11,751	$1.745M	0.3%	$119.89	+25.2%	Com	79466L302
XLB	Materials Select SPDR Fund	29,360	$1.708M	0.3%	$43.00	—	Com	81369Y100
MOO	Vaneck Vectors Agribusiness ET	25,569	$1.684M	0.3%	$48.03	—	Com	92189F700
GS	Goldman Sachs Group Inc	7,803	$1.617M	0.3%	$121.94	+47.3%	Com	38141G104
HYG	Ishares IBoxx High Yield Corpo	18,165	$1.583M	0.3%	$85.71	—	Com	464288513
DES	WisdomTree SmallCap Dividend E	57,814	$1.583M	0.3%	$25.77	—	Com	97717W604
XLY	Consumer Discretionary Selt	13,014	$1.57M	0.3%	$56.41	—	Com	81369Y407
META	Facebook Inc-A	8,670	$1.544M	0.3%	$146.64	+28.7%	Com	30303M102
MDLZ	Mondelez International Inc	27,537	$1.524M	0.3%	$23.90	+95.4%	Com	609207105
SLB	Schlumberger Ltd	41,856	$1.43M	0.3%	$53.41	-42.0%	Com	806857108
USB	US Bancorp New	25,502	$1.411M	0.2%	$23.17	+77.5%	Com	902973304
CMCSA	ComCast Corp-Cl A	31,117	$1.402M	0.2%	$26.39	+42.1%	Com	20030N101
AMZN	Amazon.Com Inc	801	$1.39M	0.2%	$58.32	+59.0%	Com	023135106
DOW	Dow Inc Com	28,936	$1.379M	0.2%	$36.37	-10.0%	Com	260557103
CLX	Clorox Company	8,812	$1.339M	0.2%	$60.55	+116.1%	Com	189054109
DIA	SPDR Dow Jones Industrial Aver	4,975	$1.339M	0.2%	$148.55	—	Com	78467X109
EMR	Emerson Elec CO	19,848	$1.327M	0.2%	$40.46	+34.4%	Com	291011104
IYZ	Ishares DJ US Telcom Sector ET	45,359	$1.325M	0.2%	$28.05	—	Com	464287713
VWO	Vanguard Ftse Emerging Markets	30,406	$1.224M	0.2%	$40.05	—	Com	922042858
C	Citigroup Inc	17,632	$1.218M	0.2%	$42.18	+28.4%	Com	172967424
GD	General Dynamics Corp	6,443	$1.177M	0.2%	$113.24	+41.7%	Com	369550108
SYY	Sysco Corp	14,804	$1.176M	0.2%	$24.65	+150.6%	Com	871829107
XLI	Industrial Select Sector SPDR	14,925	$1.159M	0.2%	$42.64	—	Com	81369Y704
XLV	Health Care Select Sector SPDR	12,195	$1.099M	0.2%	$51.91	—	Com	81369Y209
GIS	General Mls Inc	19,850	$1.094M	0.2%	$32.73	+32.6%	Com	370334104
BAX	Baxter Intl Inc	12,248	$1.072M	0.2%	$31.56	+139.3%	Com	071813109
BAC	Bank of America Corp	35,983	$1.05M	0.2%	$14.27	+72.1%	Com	060505104
LLY	Lilly Eli & CO	8,498	$950K	0.2%	$48.14	+113.4%	Com	532457108
XLF	Financial Select Sector SPDR	33,643	$942K	0.2%	$19.45	—	Com	81369Y605
—	FlexShares Real Assets Allocat	31,050	$926K	0.2%	$29.82	—	Com	33939L738
AXP	American Express CO	7,566	$895K	0.2%	$64.95	+73.3%	Com	025816109
NYF	Ishares New York Muni Bond ETF	15,642	$895K	0.2%	$57.22	—	Com	464288323
FISV	Fiserv Inc	8,630	$894K	0.2%	$46.59	+119.1%	Com	337738108
COST	Costco Wholesale Corp	3,073	$885K	0.2%	$148.45	+72.7%	Com	22160K105
ETN	Eaton Corp PLC	10,478	$871K	0.2%	$48.43	+48.9%	Com	G29183103
—	Activision Blizzard, Inc	16,312	$864K	0.2%	$34.52	—	Com	00507V109
AMGN	Amgen Inc	4,464	$864K	0.2%	$108.89	+45.1%	Com	031162100
GQRE	FlexShares Global Quality Real	13,000	$847K	0.1%	$64.12	—	Com	33939L787
TLTE	FlexShares Emerging Mkts Facto	17,135	$826K	0.1%	$48.21	—	Com	33939L308
UPS	United Parcel Service Cl B	6,710	$804K	0.1%	$60.15	+47.9%	Com	911312106
GLW	Corning Inc	27,901	$795K	0.1%	$15.37	+62.6%	Com	219350105
TXT	Textron Inc	16,000	$783K	0.1%	$26.50	+82.6%	Com	883203101
NUE	Nucor Corp	14,627	$745K	0.1%	$36.77	+24.5%	Com	670346105
COP	Conocophillips	12,469	$711K	0.1%	$39.96	+13.4%	Com	20825C104
SPIB	SPDR Portfolio Intermediate Te	19,828	$700K	0.1%	$33.61	—	Com	78464A375
KMB	Kimberly Clark Corp	4,913	$697K	0.1%	$63.75	+72.1%	Com	494368103
BDX	Becton Dickinson	2,743	$693K	0.1%	$85.05	+162.9%	Com	075887109
AROW	Arrow Finl Corp	20,617	$689K	0.1%	$24.66	-0.6%	Com	042744102
—	Apache Corp	26,586	$681K	0.1%	$68.95	—	Com	037411105
ICE	Intercontinental Exchange Inc	7,370	$680K	0.1%	$59.89	+40.4%	Com	45866F104
—	General Electric Corp	75,595	$676K	0.1%	$23.19	—	Com	369604103
XLP	Consumer Staples Select Sector	10,948	$672K	0.1%	$40.11	—	Com	81369Y308
YUM	Yum! Brands Inc	5,828	$661K	0.1%	$42.26	+140.2%	Com	988498101
XLE	Energy Select Sector SPDR	10,833	$642K	0.1%	$77.03	—	Com	81369Y506
XYL	Xylem Inc	7,763	$618K	0.1%	$24.87	+192.8%	Com	98419M100
ZBH	Zimmer Biomet Holdings Inc	4,471	$614K	0.1%	$73.82	+66.1%	Com	98956P102
IQDF	FlexShares International Quali	26,225	$584K	0.1%	$22.71	—	Com	33939L837
FTV	Fortive Corp	8,510	$583K	0.1%	$30.87	+45.4%	Com	34959J108
—	Glaxo Smithkline Spons ADR	13,638	$582K	0.1%	$49.12	—	Com	37733W105
—	Celgene Corp	5,420	$539K	0.1%	$114.51	—	Com	151020104
BK	Bank of New York Mellon Corp	11,697	$529K	0.1%	$22.38	+65.3%	Com	064058100
MET	Metlife Inc	10,396	$490K	0.1%	$30.25	+27.2%	Com	59156R108
DUK	Duke Energy Corp	4,857	$465K	0.1%	$48.58	+45.2%	Com	26441C204
SCHA	Schwab US Small Cap ETF	6,190	$432K	0.1%	$69.79	—	Com	808524607
SBUX	Starbucks Corp	4,861	$430K	0.1%	$57.81	+39.5%	Com	855244109
CSX	Csx Corp	6,116	$424K	0.1%	$7.93	+169.3%	Com	126408103
BND	Vanguard Total Bond Market ETF	4,866	$411K	0.1%	$83.26	—	Com	921937835
CTVA	Corteva Inc Com	14,221	$398K	0.1%	$25.02	+6.6%	Com	22052L104
BP	BP PLC Spons ADR	10,422	$396K	0.1%	$36.40	—	Com	055622104
SYK	Stryker Corporation	1,805	$390K	0.1%	$60.00	+233.6%	Com	863667101
SLYV	SPDR S&P Sm Cap Value ETF	6,340	$388K	0.1%	$61.20	—	Com	78464A300
ITW	Illinois Tool Wks Inc	2,475	$387K	0.1%	$51.36	+153.5%	Com	452308109
BIV	Vanguard Intermediate-Term Bon	4,375	$385K	0.1%	$83.45	—	Com	921937819
EXC	Exelon Corp	7,916	$382K	0.1%	$16.30	+64.3%	Com	30161N101
—	Walgreens Boots Alliance Inc	6,641	$368K	0.1%	$84.60	—	Com	931427108
BBY	Best Buy Company Inc	5,063	$349K	0.1%	$23.76	+128.1%	Com	086516101
GILD	Gilead Sciences Inc	5,306	$336K	0.1%	$48.52	+5.1%	Com	375558103
MA	Mastercard Inc Cl A	1,228	$333K	0.1%	$207.20	+28.4%	Com	57636Q104
SCHW	Charles Schwab Corp	7,930	$332K	0.1%	$38.08	-3.1%	Com	808513105
MAR	Marriott International Inc	2,595	$323K	0.1%	$126.71	0.0%	Com	571903202
UVSP	Univest Corp of Pennsylvania	11,812	$301K	0.1%	$26.66	-3.0%	Com	915271100
SCHF	Schwab International Equity ET	9,240	$294K	0.1%	$32.04	—	Com	808524805
PEG	Public Service Enterprise Grou	4,562	$283K	0.0%	$23.96	+100.6%	Com	744573106
KHC	Kraft Heinz CO	9,590	$268K	0.0%	$47.72	-55.6%	Com	500754106
DLR	Digital Realty Trust Inc REIT	2,056	$267K	0.0%	$86.71	+12.4%	Com	253868103
GLD	SPDR Gold Trust	1,824	$253K	0.0%	$133.40	—	Com	78463V107
XEL	Xcel Energy Inc	3,861	$250K	0.0%	$43.12	+18.8%	Com	98389B100
BHP	BHP Group Ltd Spons ADR	4,979	$246K	0.0%	$34.73	—	Com	088606108
—	Royal Dutch Shell Spons ADR	4,146	$244K	0.0%	$61.57	—	Com	780259206
KEY	Keycorp	13,562	$242K	0.0%	$9.22	+37.5%	Com	493267108
IGSB	ISHARES TR SHORT-TERM CORP BD	4,478	$240K	0.0%	$81.05	—	Com	464288646
ORLY	O'Reilly Automotive Inc	600	$239K	0.0%	$25.83	0.0%	Com	67103H107
CI	Cigna Corp	1,560	$236K	0.0%	$148.86	0.0%	Com	125523100
COF	Capital One Financial Corp	2,475	$225K	0.0%	$80.63	0.0%	Com	14040H105
FNDF	Schwab Fundamental Intl Lg Co	8,015	$221K	0.0%	$27.82	—	Com	808524755
STT	State Street Corp	3,748	$221K	0.0%	$48.20	-6.6%	Com	857477103
ALC	Alcon Inc ORD Shs	3,632	$212K	0.0%	$57.87	+2.2%	Com	H01301128
QLTA	Ishares Aaa-A Rated Corp Bond	3,855	$211K	0.0%	$52.14	—	Com	46429B291
IWR	Ishares Russell Mid Cap ETF	3,695	$207K	0.0%	$55.75	—	Com	464287499
VYM	Vanguard High Dividend Yield E	2,317	$206K	0.0%	$88.91	—	Com	921946406