Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
GUNR	FlexShares Mstar Glbl Upstrm N	1,380,809	$31.11M	6.4%	$30.19	—	Com	33939L407
MSFT	Microsoft Corp	127,426	$20.1M	4.1%	$26.70	+485.5%	Com	594918104
AAPL	Apple Inc	72,141	$18.34M	3.7%	$18.03	+294.3%	Com	037833100
EFG	Ishares MSCI EAFE Growth ETF	227,656	$16.19M	3.3%	$81.08	—	Com	464288885
JNJ	Johnson & Johnson	93,940	$12.32M	2.5%	$61.74	+94.6%	Com	478160104
PG	Procter & Gamble CO	108,372	$11.92M	2.4%	$55.00	+88.8%	Com	742718109
JPM	JP Morgan Chase & CO	121,476	$10.94M	2.2%	$38.18	+171.4%	Com	46625H100
VOO	Vanguard S&P 500 ETF	37,810	$8.954M	1.8%	$211.93	—	Com	922908363
MCD	McDonalds Corp	53,022	$8.767M	1.8%	$71.80	+139.3%	Com	580135101
INTC	Intel Corp	157,752	$8.537M	1.7%	$17.56	+198.0%	Com	458140100
PEP	Pepsico Inc	69,925	$8.398M	1.7%	$56.14	+100.8%	Com	713448108
SDY	SPDR S&P Dividend ETF	101,133	$8.077M	1.7%	$69.78	—	Com	78464A763
NBTB	NBT Bancorp Inc	228,269	$7.394M	1.5%	$25.97	+41.0%	Com	628778102
ABT	Abbott Labs	85,953	$6.783M	1.4%	$29.22	+157.8%	Com	002824100
XOM	Exxonmobil Corp	173,599	$6.592M	1.3%	$53.43	-21.2%	Com	30231G102
LOW	Lowes Cos Inc	76,465	$6.58M	1.3%	$32.16	+205.6%	Com	548661107
—	United Technologies Corp	66,307	$6.254M	1.3%	$94.04	—	Com	913017109
SPDW	SPDR Portfolio Developed Wld e	255,559	$6.118M	1.3%	$29.63	—	Com	78463X889
BMY	Bristol Myers Squibb CO	108,039	$6.022M	1.2%	$30.46	+59.5%	Com	110122108
CVX	Chevron Corporation	82,988	$6.013M	1.2%	$70.87	+7.2%	Com	166764100
PFE	Pfizer Inc	180,692	$5.898M	1.2%	$16.46	+56.9%	Com	717081103
DIS	Disney Walt CO New	59,127	$5.711M	1.2%	$60.83	+103.1%	Com	254687106
MDY	Midcap SPDR Trust Series 1	21,246	$5.585M	1.1%	$210.09	—	Com	78467Y107
VZ	Verizon Communications	103,430	$5.558M	1.1%	$27.98	+46.6%	Com	92343V104
UNP	Union Pac Corp	38,920	$5.489M	1.1%	$64.86	+123.5%	Com	907818108
GOOG	Alphabet Inc Cl C	4,610	$5.361M	1.1%	$37.65	+78.9%	Com	02079K107
DHR	Danaher Corp	35,814	$4.957M	1.0%	$25.01	+425.1%	Com	235851102
MRK	Merck & CO Inc	64,175	$4.938M	1.0%	$31.11	+109.2%	Com	58933Y105
CSCO	Cisco Systems Inc	120,208	$4.725M	1.0%	$16.14	+127.2%	Com	17275R102
SCHD	Schwab US Dividend Equity ETF	101,267	$4.555M	0.9%	$51.99	—	Com	808524797
ADP	Automatic Data Processing Inc	31,981	$4.371M	0.9%	$45.09	+214.8%	Com	053015103
TROW	T Rowe Price Group Inc	42,706	$4.17M	0.9%	$47.73	+100.2%	Com	74144T108
IBB	Ishares Nasdaq Biotech ETF	38,066	$4.101M	0.8%	$128.66	—	Com	464287556
IWM	Ishares Russell 2000 ETF	34,139	$3.908M	0.8%	$100.82	—	Com	464287655
NEE	Nextera Energy Inc	16,118	$3.878M	0.8%	$17.47	+210.9%	Com	65339F101
BRK/B	Berkshire Hathaway Inc-Cl B	20,359	$3.722M	0.8%	$114.80	+85.1%	Com	084670702
NFRA	FlexShares STOXX Glbl Brd Infr	84,638	$3.658M	0.7%	$51.05	—	Com	33939L795
SPY	SPDR S&P 500 ETF Trust	14,132	$3.642M	0.7%	$160.40	—	Com	78462F103
UNH	Unitedhealth Group Inc	14,587	$3.637M	0.7%	$66.79	+273.9%	Com	91324P102
HON	Honeywell International Inc	26,431	$3.537M	0.7%	$62.20	+119.6%	Com	438516106
ABBV	Abbvie Inc	46,353	$3.531M	0.7%	$27.95	+140.4%	Com	00287Y109
TGT	Target Corp	37,369	$3.474M	0.7%	$48.21	+97.0%	Com	87612E106
LMT	Lockheed Martin Corp	10,122	$3.431M	0.7%	$71.65	+367.4%	Com	539830109
TJX	TJX Cos Inc	71,417	$3.415M	0.7%	$37.19	+43.4%	Com	872540109
KO	Coca Cola CO	75,907	$3.359M	0.7%	$28.37	+58.6%	Com	191216100
T	AT&T Inc	112,160	$3.27M	0.7%	$11.71	+55.2%	Com	00206R102
EFA	Ishares Msci Eafe ETF	58,458	$3.125M	0.6%	$59.15	—	Com	464287465
EEM	Ishares Msci Emerging Mkt ETF	89,061	$3.04M	0.6%	$38.82	—	Com	464287234
DE	Deere & CO	21,830	$3.016M	0.6%	$93.27	+56.2%	Com	244199105
SCZ	Ishares Msci Eafe Small Cap ET	65,920	$2.955M	0.6%	$55.63	—	Com	464288273
CVS	CVS Health Corp	49,719	$2.95M	0.6%	$42.18	+31.1%	Com	126650100
WMT	Wal Mart Inc	25,836	$2.935M	0.6%	$20.15	+75.6%	Com	931142103
GOOGL	Alphabet Inc Cl A	2,516	$2.924M	0.6%	$40.92	+64.4%	Com	02079K305
IBM	Intl. Business Machines Corp	26,070	$2.892M	0.6%	$116.68	-15.8%	Com	459200101
QCOM	Qualcomm Inc	41,685	$2.82M	0.6%	$46.18	+55.8%	Com	747525103
CAT	Caterpillar Inc	23,923	$2.776M	0.6%	$122.34	-7.3%	Com	149123101
PM	Philip Morris International	37,454	$2.733M	0.6%	$49.85	+21.9%	Com	718172109
IEMG	Ishares Core Emerging Markets	66,223	$2.68M	0.5%	$50.09	—	Com	46434G103
NKE	Nike Inc-Class B	31,269	$2.587M	0.5%	$40.73	+110.9%	Com	654106103
PFF	Ishares S&P Pref Stk ETF	79,905	$2.544M	0.5%	$39.14	—	Com	464288687
VCIT	Vanguard Inter Term Corp Bond	28,531	$2.485M	0.5%	$87.15	—	Com	92206C870
DON	WisdomTree MidCap Dividend ETF	99,069	$2.393M	0.5%	$33.18	—	Com	97717W505
ORCL	Oracle Corporation	49,501	$2.393M	0.5%	$29.34	+61.9%	Com	68389X105
XLU	Utilities Select Sector SPDR	41,655	$2.308M	0.5%	$38.82	—	Com	81369Y886
V	Visa Inc Cl A	14,230	$2.293M	0.5%	$122.96	+47.0%	Com	92826C839
AWK	American Water Works CO Inc	19,059	$2.279M	0.5%	$32.48	+255.4%	Com	030420103
NVS	Novartis Ag Spons ADR	27,067	$2.232M	0.5%	$71.85	—	Com	66987V109
XLK	Technology Select Sect SPDR	26,176	$2.104M	0.4%	$30.59	—	Com	81369Y803
BA	Boeing CO	13,745	$2.05M	0.4%	$97.24	+180.6%	Com	097023105
CL	Colgate Palmolive CO	30,007	$1.991M	0.4%	$45.08	+36.5%	Com	194162103
XLRE	Real Estate Select Sect SPDR	62,856	$1.948M	0.4%	$31.66	—	Com	81369Y860
KRE	SPDR S&P Regional Banking ETF	58,946	$1.921M	0.4%	$35.16	—	Com	78464A698
—	Linde PLC	11,089	$1.919M	0.4%	$156.05	—	Com	G5494J103
D	Dominion Resources Inc	25,954	$1.874M	0.4%	$35.37	+78.5%	Com	25746U109
MO	Altria Group Inc	47,211	$1.826M	0.4%	$16.55	+66.6%	Com	02209S103
HD	Home Depot Inc	9,753	$1.821M	0.4%	$73.19	+159.8%	Com	437076102
WFC	Wells Fargo & CO	63,409	$1.82M	0.4%	$28.36	+29.2%	Com	949746101
NSC	Norfolk Southern Corp	12,447	$1.817M	0.4%	$70.93	+130.7%	Com	655844108
AMZN	Amazon.Com Inc	932	$1.817M	0.4%	$63.14	+53.3%	Com	023135106
SO	Southern Company	32,769	$1.774M	0.4%	$26.89	+87.7%	Com	842587107
ECL	Ecolab Inc	10,962	$1.708M	0.3%	$75.90	+132.3%	Com	278865100
APD	Air Products & Chemicals Inc	8,551	$1.707M	0.3%	$64.06	+207.6%	Com	009158106
VNQ	Vanguard Real Estate ETF	23,943	$1.673M	0.3%	$92.80	—	Com	922908553
MDT	Medtronic PLC	18,442	$1.663M	0.3%	$58.52	+54.1%	Com	G5960L103
MCHP	Microchip Technology Inc	24,125	$1.636M	0.3%	$15.91	+164.0%	Com	595017104
META	Facebook Inc-A	9,621	$1.604M	0.3%	$151.16	+28.6%	Com	30303M102
MMM	3m CO	11,626	$1.587M	0.3%	$64.26	+64.9%	Com	88579Y101
CRM	Salesforce.Com	10,887	$1.568M	0.3%	$120.52	+40.6%	Com	79466L302
GWW	Grainger W W Inc	6,265	$1.557M	0.3%	$201.89	+36.4%	Com	384802104
CLX	Clorox Company	8,812	$1.526M	0.3%	$60.55	+129.0%	Com	189054109
IJH	Ishares Core S&P Mid-Cap ETF	10,515	$1.512M	0.3%	$116.15	—	Com	464287507
PRU	Prudential Finl Inc	27,957	$1.458M	0.3%	$39.64	+48.8%	Com	744320102
VWO	Vanguard Ftse Emerging Markets	41,251	$1.384M	0.3%	$38.79	—	Com	922042858
MDLZ	Mondelez International Inc	27,301	$1.367M	0.3%	$23.90	+95.5%	Com	609207105
XLB	Materials Select SPDR Fund	30,312	$1.365M	0.3%	$43.07	—	Com	81369Y100
HYG	Ishares IBoxx High Yield Corpo	17,025	$1.312M	0.3%	$85.71	—	Com	464288513
MOO	Vaneck Vectors Agribusiness ET	24,810	$1.274M	0.3%	$48.03	—	Com	92189F700
CMCSA	ComCast Corp-Cl A	35,943	$1.236M	0.3%	$27.76	+29.8%	Com	20030N101
XLY	Consumer Discretionary Selt	12,549	$1.231M	0.3%	$56.41	—	Com	81369Y407
GS	Goldman Sachs Group Inc	7,824	$1.21M	0.2%	$121.94	+51.2%	Com	38141G104
LLY	Lilly Eli & CO	8,294	$1.151M	0.2%	$48.14	+166.2%	Com	532457108
IYZ	Ishares DJ US Telcom Sector ET	46,048	$1.144M	0.2%	$28.05	—	Com	464287713
SCHZ	Schwab US Aggregate Bd ETF	20,285	$1.101M	0.2%	$54.28	—	Com	808524839
DES	WisdomTree SmallCap Dividend E	60,564	$1.091M	0.2%	$25.58	—	Com	97717W604
ALV	Autoliv Inc	22,963	$1.057M	0.2%	$40.38	+49.1%	Com	052800109
DIA	SPDR Dow Jones Industrial Aver	4,684	$1.027M	0.2%	$148.55	—	Com	78467X109
GIS	General Mls Inc	19,375	$1.022M	0.2%	$32.73	+32.3%	Com	370334104
DD	Dupont De Nemours Inc	29,875	$1.019M	0.2%	$27.12	-33.1%	Com	26614N102
—	Activision Blizzard, Inc	16,982	$1.01M	0.2%	$35.51	—	Com	00507V109
BAX	Baxter Intl Inc	12,069	$980K	0.2%	$31.56	+143.2%	Com	071813109
USB	US Bancorp New	28,252	$973K	0.2%	$25.47	+46.1%	Com	902973304
GQRE	FlexShares Global Quality Real	19,223	$910K	0.2%	$63.56	—	Com	33939L787
XLV	Health Care Select Sector SPDR	10,230	$906K	0.2%	$52.48	—	Com	81369Y209
AMGN	Amgen Inc	4,398	$892K	0.2%	$108.89	+67.4%	Com	031162100
NYF	Ishares New York Muni Bond ETF	15,642	$884K	0.2%	$57.22	—	Com	464288323
GD	General Dynamics Corp	6,681	$884K	0.2%	$114.39	+26.7%	Com	369550108
EMR	Emerson Elec CO	18,501	$882K	0.2%	$40.46	+42.8%	Com	291011104
COST	Costco Wholesale Corp	3,025	$863K	0.2%	$148.45	+87.1%	Com	22160K105
XLI	Industrial Select Sector SPDR	14,441	$853K	0.2%	$42.64	—	Com	81369Y704
DOW	Dow Inc Com	27,759	$811K	0.2%	$36.37	-15.9%	Com	260557103
ETN	Eaton Corp PLC	10,399	$808K	0.2%	$48.43	+70.6%	Com	G29183103
C	Citigroup Inc	18,759	$790K	0.2%	$43.15	+25.6%	Com	172967424
AXP	American Express CO	9,213	$789K	0.2%	$73.03	+47.3%	Com	025816109
FISV	Fiserv Inc	8,250	$784K	0.2%	$46.59	+138.4%	Com	337738108
BAC	Bank of America Corp	34,938	$741K	0.2%	$14.27	+81.5%	Com	060505104
XLF	Financial Select Sector SPDR	32,769	$682K	0.1%	$19.45	—	Com	81369Y605
SPIB	SPDR Portfolio Intermediate Te	19,828	$674K	0.1%	$33.61	—	Com	78464A375
SLB	Schlumberger Ltd	49,901	$673K	0.1%	$49.03	-48.4%	Com	806857108
GLW	Corning Inc	31,451	$646K	0.1%	$16.21	+36.4%	Com	219350105
SYY	Sysco Corp	14,154	$645K	0.1%	$24.65	+138.7%	Com	871829107
GILD	Gilead Sciences Inc	8,566	$640K	0.1%	$49.80	+10.3%	Com	375558103
ICE	Intercontinental Exchange Inc	7,910	$639K	0.1%	$61.38	+36.8%	Com	45866F104
KMB	Kimberly Clark Corp	4,913	$629K	0.1%	$63.75	+75.8%	Com	494368103
BDX	Becton Dickinson	2,729	$627K	0.1%	$85.05	+164.5%	Com	075887109
UPS	United Parcel Service Cl B	6,266	$585K	0.1%	$63.07	+29.8%	Com	911312106
XLP	Consumer Staples Select Sector	10,302	$562K	0.1%	$40.11	—	Com	81369Y308
AROW	Arrow Finl Corp	20,117	$561K	0.1%	$24.66	+2.7%	Com	042744102
IQDF	FlexShares International Quali	31,250	$554K	0.1%	$22.96	—	Com	33939L837
—	General Electric Corp	68,345	$543K	0.1%	$23.19	—	Com	369604103
NUE	Nucor Corp	13,985	$504K	0.1%	$36.77	+7.5%	Com	670346105
SPGI	S&P Global Inc	2,014	$493K	0.1%	$246.86	+5.8%	Com	78409V104
PYPL	Paypal Holdings Inc	5,102	$488K	0.1%	$103.97	+5.9%	Com	70450Y103
—	Glaxo Smithkline Spons ADR	12,638	$478K	0.1%	$49.12	—	Com	37733W105
SCHF	Schwab International Equity ET	18,449	$476K	0.1%	$29.51	—	Com	808524805
ZBH	Zimmer Biomet Holdings Inc	4,704	$475K	0.1%	$76.72	+62.7%	Com	98956P102
BND	Vanguard Total Bond Market ETF	5,326	$455K	0.1%	$83.32	—	Com	921937835
IEFA	Ishares Core Msci Eafe ETF	8,978	$448K	0.1%	$49.90	—	Com	46432F842
FTV	Fortive Corp	7,845	$433K	0.1%	$30.87	+38.1%	Com	34959J108
XYL	Xylem Inc	6,585	$429K	0.1%	$24.87	+195.4%	Com	98419M100
SBUX	Starbucks Corp	6,421	$422K	0.1%	$61.86	+14.8%	Com	855244109
BK	Bank of New York Mellon Corp	11,697	$394K	0.1%	$22.38	+58.0%	Com	064058100
DUK	Duke Energy Corp	4,850	$393K	0.1%	$48.58	+49.7%	Com	26441C204
BIV	Vanguard Intermediate-Term Bon	4,375	$390K	0.1%	$83.45	—	Com	921937819
XEL	Xcel Energy Inc	6,361	$383K	0.1%	$46.49	+16.7%	Com	98389B100
COP	Conocophillips	12,388	$381K	0.1%	$41.01	-0.1%	Com	20825C104
XLE	Energy Select Sector SPDR	12,973	$377K	0.1%	$69.40	—	Com	81369Y506
TMO	Thermo Fisher Scientific Inc	1,318	$374K	0.1%	$298.40	+4.1%	Com	883556102
YUM	Yum! Brands Inc	5,302	$364K	0.1%	$42.26	+97.8%	Com	988498101
MET	Metlife Inc	11,587	$354K	0.1%	$31.06	+17.4%	Com	59156R108
TIP	Ishares Barclays TIPS Bond ETF	2,937	$346K	0.1%	$116.45	—	Com	464287176
ITW	Illinois Tool Wks Inc	2,426	$345K	0.1%	$51.36	+187.3%	Com	452308109
SCHA	Schwab US Small Cap ETF	6,190	$319K	0.1%	$68.79	—	Com	808524607
MA	Mastercard Inc Cl A	1,276	$308K	0.1%	$211.30	+36.2%	Com	57636Q104
—	Jacobs Engineering Group Inc	3,873	$307K	0.1%	$89.85	—	Com	469814107
SYK	Stryker Corporation	1,814	$302K	0.1%	$60.00	+205.5%	Com	863667101
CTVA	Corteva Inc Com	12,809	$301K	0.1%	$25.02	+2.2%	Com	22052L104
SLYV	SPDR S&P Sm Cap Value ETF	7,315	$299K	0.1%	$59.64	—	Com	78464A300
CSX	Csx Corp	5,191	$298K	0.1%	$7.93	+172.0%	Com	126408103
NVDA	Nvidia Corp	1,125	$296K	0.1%	$5.27	+19.1%	Com	67066G104
VEA	Vanguard FTSE Developed Market	8,838	$295K	0.1%	$44.01	—	Com	921943858
DLR	Digital Realty Trust Inc REIT	2,113	$293K	0.1%	$87.05	+19.1%	Com	253868103
BP	BP PLC Spons ADR	11,894	$290K	0.1%	$35.44	—	Com	055622104
BBY	Best Buy Company Inc	5,038	$288K	0.1%	$23.76	+162.8%	Com	086516101
SCHW	Charles Schwab Corp	8,412	$283K	0.1%	$38.21	+1.2%	Com	808513105
—	Walgreens Boots Alliance Inc	6,184	$283K	0.1%	$84.60	—	Com	931427108
EXC	Exelon Corp	7,613	$280K	0.1%	$16.30	+56.3%	Com	30161N101
NFLX	Netflix Inc	727	$273K	0.1%	$29.65	+19.3%	Com	64110L106
SPEM	SPDR Portfolio Emerging Market	9,584	$272K	0.1%	$28.38	—	Com	78463X509
FNDF	Schwab Fundamental Intl Lg Co	12,599	$265K	0.1%	$25.35	—	Com	808524755
GLD	SPDR Gold Trust	1,766	$261K	0.1%	$133.40	—	Com	78463V107
ACN	Accenture PLC Cl A	1,590	$259K	0.1%	$178.42	-0.8%	Com	G1151C101
IJK	Ishares S&P Midcap 400/Grwth E	1,435	$256K	0.1%	$238.33	—	Com	464287606
AMT	American Tower Corp REIT	1,174	$255K	0.1%	$183.82	+7.3%	Com	03027X100
BKLN	Invesco Tr II Senior Loan ETF	12,225	$250K	0.1%	$22.82	—	Com	46138G508
BIIB	Biogen Inc	769	$243K	0.0%	$280.17	+8.3%	Com	09062X103
AGG	Ishares Core Total U.S. Aggreg	2,071	$239K	0.0%	$112.19	—	Com	464287226
HDV	iShares Core High Dividend ETF	3,331	$238K	0.0%	$95.19	—	Com	46429B663
PEG	Public Service Enterprise Grou	5,291	$237K	0.0%	$26.86	+64.4%	Com	744573106
—	Blackrock Inc Cl A	539	$237K	0.0%	$503.85	—	Com	09247X101
IGSB	ISHARES TR SHORT-TERM CORP BD	4,478	$234K	0.0%	$81.05	—	Com	464288646
—	Stericycle Inc	4,780	$233K	0.0%	$61.18	—	Com	858912108
KHC	Kraft Heinz CO	9,271	$229K	0.0%	$47.72	-56.7%	Com	500754106
QUAL	iShares Edge MSCI USA Quality	2,758	$224K	0.0%	$81.22	—	Com	46432F339
PWR	Quanta Services Incorporated	6,750	$214K	0.0%	$39.84	-8.0%	Com	74762E102
QLTA	Ishares Aaa-A Rated Corp Bond	3,855	$213K	0.0%	$52.14	—	Com	46429B291
CI	Cigna Corp	1,164	$206K	0.0%	$148.86	+19.2%	Com	125523100
IWR	Ishares Russell Mid Cap ETF	4,695	$203K	0.0%	$56.58	—	Com	464287499
UVSP	Univest Corp of Pennsylvania	11,812	$193K	0.0%	$26.66	-14.2%	Com	915271100
KEY	Keycorp	17,062	$177K	0.0%	$10.20	+22.0%	Com	493267108
—	Veoneer Incorporated Com	23,106	$169K	0.0%	$15.62	—	Com	92336X109
DB	Deutsche Bank Ag	10,000	$64,000	0.0%	$7.45	0.0%	Com	D18190898
—	Apache Corp	14,678	$61,000	0.0%	$68.95	—	Com	037411105