Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
GUNR	FlexShares Mstar Glbl Upstrm N	1,381,827	$38.19M	6.8%	$30.19	—	Com	33939L407
AAPL	Apple Inc	69,971	$25.53M	4.6%	$18.03	+316.6%	Com	037833100
MSFT	Microsoft Corp	119,153	$24.25M	4.3%	$26.70	+548.1%	Com	594918104
EFG	Ishares MSCI EAFE Growth ETF	243,061	$20.2M	3.6%	$81.21	—	Com	464288885
JNJ	Johnson & Johnson	91,670	$12.89M	2.3%	$61.74	+101.2%	Com	478160104
PG	Procter & Gamble CO	107,368	$12.84M	2.3%	$55.00	+84.6%	Com	742718109
JPM	JP Morgan Chase & CO	119,530	$11.24M	2.0%	$38.18	+114.1%	Com	46625H100
VOO	Vanguard S&P 500 ETF	38,035	$10.78M	1.9%	$211.93	—	Com	922908363
LOW	Lowes Cos Inc	75,688	$10.23M	1.8%	$32.16	+221.3%	Com	548661107
MCD	McDonalds Corp	51,001	$9.408M	1.7%	$71.80	+124.2%	Com	580135101
INTC	Intel Corp	154,830	$9.263M	1.7%	$17.56	+202.9%	Com	458140100
SDY	SPDR S&P Dividend ETF	101,163	$9.226M	1.6%	$69.78	—	Com	78464A763
PEP	Pepsico Inc	68,610	$9.074M	1.6%	$56.14	+97.3%	Com	713448108
XOM	Exxonmobil Corp	169,928	$7.599M	1.4%	$53.43	-34.8%	Com	30231G102
ABT	Abbott Labs	82,476	$7.541M	1.3%	$29.22	+180.5%	Com	002824100
CVX	Chevron Corporation	80,029	$7.141M	1.3%	$70.87	-1.5%	Com	166764100
NBTB	NBT Bancorp Inc	226,417	$6.964M	1.2%	$25.97	+19.9%	Com	628778102
MDY	Midcap SPDR Trust Series 1	20,887	$6.778M	1.2%	$210.09	—	Com	78467Y107
DIS	Disney Walt CO New	58,981	$6.577M	1.2%	$60.83	+77.3%	Com	254687106
GOOG	Alphabet Inc Cl C	4,573	$6.464M	1.2%	$37.65	+77.9%	Com	02079K107
UNP	Union Pac Corp	37,821	$6.394M	1.1%	$64.86	+118.1%	Com	907818108
BMY	Bristol Myers Squibb CO	104,009	$6.116M	1.1%	$30.46	+57.3%	Com	110122108
DHR	Danaher Corp	34,416	$6.085M	1.1%	$25.01	+460.0%	Com	235851102
SPDW	SPDR Portfolio Developed Wld e	208,494	$5.758M	1.0%	$29.63	—	Com	78463X889
SCHD	Schwab US Dividend Equity ETF	109,636	$5.673M	1.0%	$51.97	—	Com	808524797
VZ	Verizon Communications	102,587	$5.656M	1.0%	$27.98	+45.6%	Com	92343V104
CSCO	Cisco Systems Inc	120,286	$5.61M	1.0%	$16.14	+129.2%	Com	17275R102
PFE	Pfizer Inc	171,554	$5.61M	1.0%	$16.46	+57.9%	Com	717081103
IBB	Ishares Nasdaq Biotech ETF	37,709	$5.155M	0.9%	$128.66	—	Com	464287556
TROW	T Rowe Price Group Inc	41,615	$5.139M	0.9%	$47.73	+88.2%	Com	74144T108
MRK	Merck & CO Inc	63,906	$4.942M	0.9%	$31.11	+102.1%	Com	58933Y105
IWM	Ishares Russell 2000 ETF	32,765	$4.691M	0.8%	$100.82	—	Com	464287655
IEFA	Ishares Core Msci Eafe ETF	79,643	$4.553M	0.8%	$56.35	—	Com	46432F842
ADP	Automatic Data Processing Inc	29,868	$4.447M	0.8%	$45.09	+181.6%	Com	053015103
SPY	SPDR S&P 500 ETF Trust	14,168	$4.369M	0.8%	$160.40	—	Com	78462F103
ABBV	Abbvie Inc	44,267	$4.346M	0.8%	$27.95	+152.3%	Com	00287Y109
TGT	Target Corp	35,101	$4.21M	0.8%	$48.21	+103.6%	Com	87612E106
UNH	Unitedhealth Group Inc	13,917	$4.104M	0.7%	$66.79	+290.9%	Com	91324P102
NFRA	FlexShares STOXX Glbl Brd Infr	82,422	$3.94M	0.7%	$51.05	—	Com	33939L795
NEE	Nextera Energy Inc	15,809	$3.797M	0.7%	$17.47	+197.6%	Com	65339F101
QCOM	Qualcomm Inc	41,480	$3.783M	0.7%	$46.18	+53.7%	Com	747525103
HON	Honeywell International Inc	26,083	$3.772M	0.7%	$62.20	+89.5%	Com	438516106
EEM	Ishares Msci Emerging Mkt ETF	92,961	$3.718M	0.7%	$38.87	—	Com	464287234
TJX	TJX Cos Inc	72,586	$3.67M	0.7%	$37.34	+24.9%	Com	872540109
BRK/B	Berkshire Hathaway Inc-Cl B	20,154	$3.597M	0.6%	$114.80	+59.1%	Com	084670702
SCZ	Ishares Msci Eafe Small Cap ET	67,055	$3.596M	0.6%	$55.60	—	Com	464288273
LMT	Lockheed Martin Corp	9,657	$3.524M	0.6%	$71.65	+351.8%	Com	539830109
EFA	Ishares Msci Eafe ETF	57,818	$3.52M	0.6%	$59.15	—	Com	464287465
GOOGL	Alphabet Inc Cl A	2,481	$3.519M	0.6%	$40.92	+63.6%	Com	02079K305
IEMG	Ishares Core Emerging Markets	73,863	$3.516M	0.6%	$49.83	—	Com	46434G103
CVS	CVS Health Corp	52,085	$3.384M	0.6%	$42.65	+23.3%	Com	126650100
T	AT&T Inc	110,888	$3.352M	0.6%	$11.71	+32.4%	Com	00206R102
DE	Deere & CO	20,869	$3.279M	0.6%	$93.27	+43.9%	Com	244199105
KO	Coca Cola CO	68,697	$3.07M	0.5%	$28.37	+36.5%	Com	191216100
WMT	Wal Mart Inc	25,336	$3.035M	0.5%	$20.15	+88.9%	Com	931142103
IBM	Intl. Business Machines Corp	25,127	$3.034M	0.5%	$116.68	-21.7%	Com	459200101
CAT	Caterpillar Inc	23,775	$3.008M	0.5%	$122.34	-13.2%	Com	149123101
ORCL	Oracle Corporation	53,328	$2.947M	0.5%	$30.75	+59.3%	Com	68389X105
NKE	Nike Inc-Class B	29,150	$2.858M	0.5%	$40.73	+109.8%	Com	654106103
PFF	Ishares S&P Pref Stk ETF	79,026	$2.737M	0.5%	$39.14	—	Com	464288687
V	Visa Inc Cl A	14,135	$2.731M	0.5%	$122.96	+42.8%	Com	92826C839
VCIT	Vanguard Inter Term Corp Bond	28,531	$2.715M	0.5%	$87.15	—	Com	92206C870
XLK	Technology Select Sect SPDR	25,356	$2.649M	0.5%	$30.59	—	Com	81369Y803
PM	Philip Morris International	37,275	$2.612M	0.5%	$49.85	+9.9%	Com	718172109
AMZN	Amazon.Com Inc	939	$2.591M	0.5%	$63.14	+91.3%	Com	023135106
MCHP	Microchip Technology Inc	23,596	$2.485M	0.4%	$15.91	+153.6%	Com	595017104
HD	Home Depot Inc	9,778	$2.45M	0.4%	$73.19	+172.9%	Com	437076102
BA	Boeing CO	12,955	$2.375M	0.4%	$97.24	+58.1%	Com	097023105
AWK	American Water Works CO Inc	18,404	$2.368M	0.4%	$32.48	+244.6%	Com	030420103
XLU	Utilities Select Sector SPDR	40,820	$2.303M	0.4%	$38.82	—	Com	81369Y886
KRE	SPDR S&P Regional Banking ETF	57,631	$2.212M	0.4%	$35.16	—	Com	78464A698
DON	WisdomTree MidCap Dividend ETF	77,886	$2.207M	0.4%	$33.18	—	Com	97717W505
—	Linde PLC	10,239	$2.172M	0.4%	$156.05	—	Com	G5494J103
NVS	Novartis Ag Spons ADR	24,569	$2.145M	0.4%	$71.85	—	Com	66987V109
META	Facebook Inc-A	9,421	$2.139M	0.4%	$151.16	+37.2%	Com	30303M102
NSC	Norfolk Southern Corp	12,097	$2.124M	0.4%	$70.93	+112.9%	Com	655844108
CRM	Salesforce.Com	11,322	$2.121M	0.4%	$122.28	+36.1%	Com	79466L302
XLRE	Real Estate Select Sect SPDR	59,648	$2.076M	0.4%	$31.66	—	Com	81369Y860
D	Dominion Resources Inc	25,508	$2.071M	0.4%	$35.37	+77.1%	Com	25746U109
ECL	Ecolab Inc	10,357	$2.061M	0.4%	$75.90	+140.0%	Com	278865100
APD	Air Products & Chemicals Inc	8,076	$1.95M	0.3%	$64.06	+210.1%	Com	009158106
IJH	Ishares Core S&P Mid-Cap ETF	10,700	$1.902M	0.3%	$117.22	—	Com	464287507
CLX	Clorox Company	8,502	$1.865M	0.3%	$60.55	+178.7%	Com	189054109
MO	Altria Group Inc	47,072	$1.847M	0.3%	$16.55	+50.8%	Com	02209S103
GWW	Grainger W W Inc	5,740	$1.803M	0.3%	$201.89	+34.0%	Com	384802104
MMM	3m CO	11,461	$1.788M	0.3%	$64.26	+59.4%	Com	88579Y101
CL	Colgate Palmolive CO	24,197	$1.773M	0.3%	$45.08	+38.3%	Com	194162103
XLY	Consumer Discretionary Selt	13,241	$1.691M	0.3%	$60.13	—	Com	81369Y407
MDT	Medtronic PLC	18,096	$1.66M	0.3%	$58.52	+39.8%	Com	G5960L103
XLB	Materials Select SPDR Fund	29,312	$1.652M	0.3%	$43.07	—	Com	81369Y100
VWO	Vanguard Ftse Emerging Markets	40,594	$1.607M	0.3%	$38.79	—	Com	922042858
SO	Southern Company	30,769	$1.595M	0.3%	$26.89	+66.4%	Com	842587107
WFC	Wells Fargo & CO	61,758	$1.581M	0.3%	$28.36	-15.5%	Com	949746101
OTIS	Otis Worldwide Corp	27,532	$1.565M	0.3%	$47.48	0.0%	Com	68902V107
DD	Dupont De Nemours Inc	28,951	$1.538M	0.3%	$27.12	-35.7%	Com	26614N102
PRU	Prudential Finl Inc	25,102	$1.528M	0.3%	$39.64	+11.6%	Com	744320102
GS	Goldman Sachs Group Inc	7,685	$1.519M	0.3%	$121.94	+34.6%	Com	38141G104
ALV	Autoliv Inc	22,963	$1.481M	0.3%	$40.38	+31.2%	Com	052800109
MOO	Vaneck Vectors Agribusiness ET	23,830	$1.434M	0.3%	$48.03	—	Com	92189F700
MDLZ	Mondelez International Inc	27,689	$1.416M	0.3%	$24.19	+84.2%	Com	609207105
CMCSA	ComCast Corp-Cl A	36,174	$1.41M	0.3%	$27.76	+18.0%	Com	20030N101
VNQ	Vanguard Real Estate ETF	17,709	$1.391M	0.2%	$92.80	—	Com	922908553
LLY	Lilly Eli & CO	8,279	$1.36M	0.2%	$48.14	+198.9%	Com	532457108
CARR	Carrier Global Corporation	56,768	$1.262M	0.2%	$17.13	0.0%	Com	14448C104
HYG	Ishares IBoxx High Yield Corpo	15,425	$1.259M	0.2%	$85.71	—	Com	464288513
IYZ	Ishares DJ US Telcom Sector ET	44,697	$1.232M	0.2%	$28.05	—	Com	464287713
—	Activision Blizzard, Inc	16,217	$1.231M	0.2%	$35.51	—	Com	00507V109
DIA	SPDR Dow Jones Industrial Aver	4,677	$1.206M	0.2%	$148.55	—	Com	78467X109
GIS	General Mls Inc	19,510	$1.203M	0.2%	$32.73	+52.4%	Com	370334104
EMR	Emerson Elec CO	18,171	$1.127M	0.2%	$40.46	+24.3%	Com	291011104
DOW	Dow Inc Com	26,713	$1.089M	0.2%	$36.37	-26.2%	Com	260557103
SCHZ	Schwab US Aggregate Bd ETF	18,300	$1.03M	0.2%	$54.28	—	Com	808524839
USB	US Bancorp New	27,828	$1.025M	0.2%	$25.47	+9.3%	Com	902973304
XLV	Health Care Select Sector SPDR	10,023	$1.003M	0.2%	$52.48	—	Com	81369Y209
AMGN	Amgen Inc	4,238	$1M	0.2%	$108.89	+76.0%	Com	031162100
BAX	Baxter Intl Inc	11,372	$979K	0.2%	$31.56	+146.1%	Com	071813109
GD	General Dynamics Corp	6,521	$974K	0.2%	$114.39	+8.7%	Com	369550108
XLI	Industrial Select Sector SPDR	14,115	$969K	0.2%	$42.64	—	Com	81369Y704
C	Citigroup Inc	18,733	$958K	0.2%	$43.15	-10.3%	Com	172967424
NYF	Ishares New York Muni Bond ETF	15,642	$900K	0.2%	$57.22	—	Com	464288323
GQRE	FlexShares Global Quality Real	17,315	$890K	0.2%	$63.56	—	Com	33939L787
ETN	Eaton Corp PLC	10,171	$889K	0.2%	$48.43	+54.4%	Com	G29183103
COST	Costco Wholesale Corp	2,915	$884K	0.2%	$148.45	+88.1%	Com	22160K105
XLF	Financial Select Sector SPDR	36,899	$854K	0.2%	$19.86	—	Com	81369Y605
AXP	American Express CO	8,778	$836K	0.1%	$73.03	+17.2%	Com	025816109
GLW	Corning Inc	31,951	$827K	0.1%	$16.26	+19.4%	Com	219350105
BAC	Bank of America Corp	34,588	$821K	0.1%	$14.27	+44.1%	Com	060505104
DES	WisdomTree SmallCap Dividend E	38,405	$813K	0.1%	$25.58	—	Com	97717W604
PYPL	Paypal Holdings Inc	4,647	$810K	0.1%	$103.97	+32.6%	Com	70450Y103
SLB	Schlumberger Ltd	43,974	$808K	0.1%	$49.03	-68.4%	Com	806857108
FISV	Fiserv Inc	7,965	$777K	0.1%	$46.59	+116.1%	Com	337738108
ICE	Intercontinental Exchange Inc	8,150	$746K	0.1%	$62.08	+37.2%	Com	45866F104
SPIB	SPDR Portfolio Intermediate Te	19,828	$724K	0.1%	$33.61	—	Com	78464A375
KMB	Kimberly Clark Corp	4,863	$688K	0.1%	$63.75	+76.8%	Com	494368103
SYY	Sysco Corp	12,454	$681K	0.1%	$24.65	+83.3%	Com	871829107
GILD	Gilead Sciences Inc	8,831	$680K	0.1%	$50.15	+22.6%	Com	375558103
UPS	United Parcel Service Cl B	6,046	$672K	0.1%	$63.07	+26.4%	Com	911312106
SPGI	S&P Global Inc	2,014	$664K	0.1%	$246.86	+16.3%	Com	78409V104
IQDF	FlexShares International Quali	30,835	$620K	0.1%	$22.96	—	Com	33939L837
SCHF	Schwab International Equity ET	20,459	$609K	0.1%	$29.54	—	Com	808524805
BDX	Becton Dickinson	2,514	$602K	0.1%	$85.05	+159.1%	Com	075887109
XLP	Consumer Staples Select Sector	10,102	$592K	0.1%	$40.11	—	Com	81369Y308
ZBH	Zimmer Biomet Holdings Inc	4,857	$580K	0.1%	$77.77	+41.5%	Com	98956P102
NUE	Nucor Corp	13,965	$579K	0.1%	$36.77	-0.9%	Com	670346105
FTV	Fortive Corp	7,845	$531K	0.1%	$30.87	+23.4%	Com	34959J108
—	Glaxo Smithkline Spons ADR	12,638	$516K	0.1%	$49.12	—	Com	37733W105
XLE	Energy Select Sector SPDR	13,179	$499K	0.1%	$68.91	—	Com	81369Y506
TMO	Thermo Fisher Scientific Inc	1,318	$478K	0.1%	$298.40	+10.7%	Com	883556102
SBUX	Starbucks Corp	6,471	$476K	0.1%	$61.86	+7.2%	Com	855244109
BND	Vanguard Total Bond Market ETF	5,326	$470K	0.1%	$83.32	—	Com	921937835
—	General Electric Corp	68,391	$467K	0.1%	$23.19	—	Com	369604103
BK	Bank of New York Mellon Corp	11,724	$453K	0.1%	$22.38	+38.9%	Com	064058100
COP	Conocophillips	10,396	$437K	0.1%	$41.01	-19.7%	Com	20825C104
YUM	Yum! Brands Inc	4,958	$431K	0.1%	$42.26	+81.8%	Com	988498101
SCHA	Schwab US Small Cap ETF	6,595	$431K	0.1%	$68.58	—	Com	808524607
BBY	Best Buy Company Inc	4,913	$428K	0.1%	$23.76	+153.8%	Com	086516101
SLYV	SPDR S&P Sm Cap Value ETF	8,655	$425K	0.1%	$58.01	—	Com	78464A300
BIV	Vanguard Intermediate-Term Bon	4,375	$408K	0.1%	$83.45	—	Com	921937819
ITW	Illinois Tool Wks Inc	2,296	$402K	0.1%	$51.36	+178.2%	Com	452308109
XEL	Xcel Energy Inc	6,361	$398K	0.1%	$46.49	+13.6%	Com	98389B100
DUK	Duke Energy Corp	4,915	$393K	0.1%	$48.83	+38.5%	Com	26441C204
NVDA	Nvidia Corp	1,025	$390K	0.1%	$5.27	+52.8%	Com	67066G104
XYL	Xylem Inc	5,959	$387K	0.1%	$24.87	+148.3%	Com	98419M100
DTE	DTE Energy Co	3,554	$382K	0.1%	$73.19	0.0%	Com	233331107
MET	Metlife Inc	10,362	$379K	0.1%	$31.06	-6.7%	Com	59156R108
AROW	Arrow Finl Corp	12,586	$374K	0.1%	$24.66	-13.6%	Com	042744102
CSX	Csx Corp	5,191	$362K	0.1%	$7.93	+158.6%	Com	126408103
ACN	Accenture PLC Cl A	1,621	$348K	0.1%	$178.35	-2.1%	Com	G1151C101
MA	Mastercard Inc Cl A	1,176	$348K	0.1%	$211.30	+29.4%	Com	57636Q104
TIP	Ishares Barclays TIPS Bond ETF	2,801	$345K	0.1%	$116.45	—	Com	464287176
NFLX	Netflix Inc	727	$331K	0.1%	$29.65	+43.6%	Com	64110L106
AMT	American Tower Corp REIT	1,274	$330K	0.1%	$185.92	+13.3%	Com	03027X100
—	Jacobs Engineering Group Inc	3,873	$328K	0.1%	$89.85	—	Com	469814107
IJK	Ishares S&P Midcap 400/Grwth E	1,435	$321K	0.1%	$238.33	—	Com	464287606
CTVA	Corteva Inc Com	11,641	$312K	0.1%	$25.02	-2.7%	Com	22052L104
DLR	Digital Realty Trust Inc REIT	2,094	$298K	0.1%	$87.05	+33.7%	Com	253868103
KHC	Kraft Heinz CO	9,352	$298K	0.1%	$47.72	-51.6%	Com	500754106
—	Blackrock Inc Cl A	539	$293K	0.1%	$503.85	—	Com	09247X101
GLD	SPDR Gold Trust	1,723	$288K	0.1%	$133.40	—	Com	78463V107
—	Stericycle Inc	4,980	$278K	0.0%	$60.96	—	Com	858912108
HDV	iShares Core High Dividend ETF	3,396	$276K	0.0%	$94.92	—	Com	46429B663
PEG	Public Service Enterprise Grou	5,406	$266K	0.0%	$27.16	+51.4%	Com	744573106
IJR	Ishares Core S&P Small-Cap ETF	3,894	$266K	0.0%	$68.31	—	Com	464287804
PWR	Quanta Services Incorporated	6,750	$265K	0.0%	$39.84	-11.5%	Com	74762E102
BP	BP PLC Spons ADR	11,315	$264K	0.0%	$35.44	—	Com	055622104
BKLN	Invesco Tr II Senior Loan ETF	12,225	$261K	0.0%	$22.82	—	Com	46138G508
SPEM	SPDR Portfolio Emerging Market	7,799	$261K	0.0%	$28.38	—	Com	78463X509
EXC	Exelon Corp	7,003	$254K	0.0%	$16.30	+33.2%	Com	30161N101
JPST	J P Morgan Exchange-traded Fd	5,000	$254K	0.0%	$50.80	—	Com	46641Q837
SCHW	Charles Schwab Corp	7,512	$254K	0.0%	$38.21	-13.2%	Com	808513105
ORLY	O'Reilly Automotive Inc	600	$253K	0.0%	$26.14	0.0%	Com	67103H107
IWR	Ishares Russell Mid Cap ETF	4,695	$252K	0.0%	$56.58	—	Com	464287499
—	Veoneer Incorporated Com	23,106	$247K	0.0%	$15.62	—	Com	92336X109
IGSB	ISHARES TR SHORT-TERM CORP BD	4,478	$245K	0.0%	$81.05	—	Com	464288646
VEA	Vanguard FTSE Developed Market	6,305	$245K	0.0%	$44.01	—	Com	921943858
QLTA	Ishares Aaa-A Rated Corp Bond	4,100	$237K	0.0%	$52.48	—	Com	46429B291
BHP	BHP Group Ltd Spons ADR	4,649	$231K	0.0%	$49.69	—	Com	088606108
SWKS	Skyworks Solutions Inc	1,800	$230K	0.0%	$96.49	0.0%	Com	83088M102
AGG	Ishares Core Total U.S. Aggreg	1,941	$229K	0.0%	$112.19	—	Com	464287226
STT	State Street Corp	3,570	$227K	0.0%	$50.25	0.0%	Com	857477103
—	Walgreens Boots Alliance Inc	5,282	$224K	0.0%	$84.60	—	Com	931427108
IWY	IShares Russell Top 200 Growth	2,090	$223K	0.0%	$106.70	—	Com	464289438
VOE	Vanguard Mid-Cap Value Index F	2,284	$219K	0.0%	$95.88	—	Com	922908512
IWF	Ishares Russell 1000 Growth ET	1,132	$217K	0.0%	$191.70	—	Com	464287614
WM	Waste Management Inc	2,000	$212K	0.0%	$92.14	0.0%	Com	94106L109
CTSH	Cognizant Technology Solutions	3,720	$211K	0.0%	$49.31	0.0%	Com	192446102
KEY	Keycorp	17,062	$208K	0.0%	$10.20	-13.5%	Com	493267108
SYK	Stryker Corporation	1,129	$203K	0.0%	$60.00	+189.5%	Com	863667101
UVSP	Univest Corp of Pennsylvania	11,812	$191K	0.0%	$26.66	-39.9%	Com	915271100
—	Apache Corp	13,814	$187K	0.0%	$68.95	—	Com	037411105
DB	Deutsche Bank Ag	10,000	$95,000	0.0%	$7.45	-6.7%	Com	D18190898
—	Diamond Offshore Drilling Inc	10,000	$3,000	0.0%	$0.30	—	Com	25271C102