The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories SK 002824100 660 14,703 SH   SOLE   0 0 14,703
Abbvie Inc SK 00287Y109 622 10,502 SH   SOLE   0 0 10,502
Amazon Com Inc SK 023135106 312 461 SH   SOLE   0 0 461
Apple Computers SK 037833100 2,331 22,148 SH   SOLE   0 0 22,148
Barclay's Aggregate Bond Index I-Shares ET 464287226 12,758 118,117 SH   SOLE   0 0 118,117
Berkley W R Corporation SK 084423102 2,871 52,430 SH   SOLE   0 0 52,430
Berkshire Hathaway Cl B SK 084670702 628 4,757 SH   SOLE   0 0 4,757
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 396 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 284 6,035 SH   SOLE   0 0 6,035
Canadian Pac Ltd New F SK 13645T100 236 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 633 9,321 SH   SOLE   0 0 9,321
Chevrontexaco SK 166764100 258 2,868 SH   SOLE   0 0 2,868
Cisco Systems Inc SK 17275R102 381 14,035 SH   SOLE   0 0 14,035
Darden Restaurants SK 237194105 753 11,825 SH   SOLE   0 0 11,825
Dominos Pizza Inc SK 25754A201 1,309 11,769 SH   SOLE   0 0 11,769
Exxon Corporation SK 30231G102 845 10,839 SH   SOLE   0 0 10,839
General Electric Co. SK 369604103 1,052 33,781 SH   SOLE   0 0 33,781
Intel Corp SK 458140100 210 6,091 SH   SOLE   0 0 6,091
International Business Machines SK 459200101 895 6,504 SH   SOLE   0 0 6,504
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 6,469 61,268 SH   SOLE   0 0 61,268
Ishares Barclays Tips Bond Fund ET 464287176 10,491 95,650 SH   SOLE   0 0 95,650
Ishares Core S&P Smallcap ETF 600 ET 464287804 1,586 14,403 SH   SOLE   0 0 14,403
Ishares Core US Growth ET 464287671 462 5,692 SH   SOLE   0 0 5,692
Ishares Core US Value ET 464287663 2,997 23,524 SH   SOLE   0 0 23,524
Ishares Gold Trust ET 464285105 104 10,138 SH   SOLE   0 0 10,138
Ishares Goldman Sachs Tech Index ET 464287549 1,441 13,018 SH   SOLE   0 0 13,018
Ishares Lehman Treas Bond 1-3 Year ET 464287457 1,081 12,809 SH   SOLE   0 0 12,809
Ishares Morningstar Fund Large Core Inde ET 464287127 305 2,566 SH   SOLE   0 0 2,566
Ishares Morningstar Small-Cap Value Etf ET 464288703 207 1,801 SH   SOLE   0 0 1,801
Ishares Msci Canada Idx Fd ET 464286509 250 11,606 SH   SOLE   0 0 11,606
Ishares Msci Emrg Mkt Fd ET 464287234 3,481 108,126 SH   SOLE   0 0 108,126
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 2,109 32,508 SH   SOLE   0 0 32,508
Ishares Pharmaceutical Index Fund ET 464288836 1,044 6,457 SH   SOLE   0 0 6,457
Ishares Russell Midcap Index Fund ET 464287499 1,028 6,416 SH   SOLE   0 0 6,416
Ishares Russell Midcap Value Index Fund ET 464287473 11,314 164,777 SH   SOLE   0 0 164,777
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 1,650 14,248 SH   SOLE   0 0 14,248
Ishares S&P Midcap 400 Bar Val ET 464287705 6,856 58,497 SH   SOLE   0 0 58,497
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,226 20,040 SH   SOLE   0 0 20,040
Ishares S&P North Am Fund ET 464287374 1,498 53,234 SH   SOLE   0 0 53,234
Ishares S&P Smallcap Growth ETF ET 464287887 3,233 26,011 SH   SOLE   0 0 26,011
Ishares S&P Smallcap 600 Value ET 464287879 5,811 53,727 SH   SOLE   0 0 53,727
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,359 53,999 SH   SOLE   0 0 53,999
Ishares Tr Msci Eafe ET 464287465 3,404 57,968 SH   SOLE   0 0 57,968
Ishares Tr Nasdaq Biotech ET 464287556 310 917 SH   SOLE   0 0 917
Ishares Tr Russell 1000 Growth ET 464287614 678 6,813 SH   SOLE   0 0 6,813
Ishares Tr Russell 1000 Val ET 464287598 5,447 55,662 SH   SOLE   0 0 55,662
Ishares Tr Russell 2000 Val ET 464287630 1,857 20,202 SH   SOLE   0 0 20,202
Ishares Tr S&P 100 Index ET 464287101 247 2,710 SH   SOLE   0 0 2,710
Ishares Tr S&P 500 Barra Val ET 464287408 6,748 76,228 SH   SOLE   0 0 76,228
Ishares Tr S&P Midcap 400 Ind ET 464287507 6,747 48,426 SH   SOLE   0 0 48,426
Ishares Trust Dow Jones Select Dividend ET 464287168 2,576 34,277 SH   SOLE   0 0 34,277
Ishares Trust S&P 500 Index ET 464287200 2,305 11,251 SH   SOLE   0 0 11,251
J P Morgan & Co. Inc. SK 46625H100 219 3,317 SH   SOLE   0 0 3,317
Johnson & Johnson SK 478160104 2,681 26,102 SH   SOLE   0 0 26,102
Merrimack Pharma Inc SK 590328100 154 19,453 SH   SOLE   0 0 19,453
Microsoft Corp SK 594918104 243 4,374 SH   SOLE   0 0 4,374
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,637 6,446 SH   SOLE   0 0 6,446
Nielsen Holdings B V F SK N63218106 2,813 60,375 SH   SOLE   0 0 60,375
Omnicom Group Inc SK 681919106 1,514 20,013 SH   SOLE   0 0 20,013
P J T Partners Inc Cl A SK 69343T107 1,211 42,800 SH   SOLE   0 0 42,800
Paychex Inc SK 704326107 472 8,917 SH   SOLE   0 0 8,917
Pepsico SK 713448108 6,413 64,181 SH   SOLE   0 0 64,181
Pfizer Inc SK 717081103 1,232 38,177 SH   SOLE   0 0 38,177
Pimco Exch Traded Fund Total Return ET 72201R775 1,213 11,638 SH   SOLE   0 0 11,638
Pimco Municipal Income ET 72200W106 162 12,984 SH   SOLE   0 0 12,984
Powershares QQQ Trust, Ser 1 ET 73935A104 542 4,847 SH   SOLE   0 0 4,847
Powershs Ins National Muni Bond ETF ET 73936T474 1,451 56,969 SH   SOLE   0 0 56,969
Powershs Insured NY Muni Bond ETF ET 73936T458 1,060 43,608 SH   SOLE   0 0 43,608
Procter & Gamble Co. SK 742718109 1,135 14,297 SH   SOLE   0 0 14,297
Proshares Ultra S&P 500 ET 74347R107 2,377 37,737 SH   SOLE   0 0 37,737
Pub Svc Ent Group Inc SK 744573106 353 9,125 SH   SOLE   0 0 9,125
S P D R Trust Unit Sr 1 ET 78462F103 1,312 6,437 SH   SOLE   0 0 6,437
Sch Us Mid-Cap Etf ET 808524508 1,093 27,288 SH   SOLE   0 0 27,288
Sch Us Reit Etf ET 808524847 485 12,237 SH   SOLE   0 0 12,237
Schw US Large Cap ETF ET 808524201 241 4,957 SH   SOLE   0 0 4,957
Schw Us Brd Mkt Etf ET 808524102 1,172 23,890 SH   SOLE   0 0 23,890
Schw Us Scap Etf ET 808524607 1,623 31,158 SH   SOLE   0 0 31,158
Schwab US Tips ETF ET 808524870 928 17,467 SH   SOLE   0 0 17,467
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 768 12,724 SH   SOLE   0 0 12,724
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 216 9,055 SH   SOLE   0 0 9,055
Southridge Ent Inc New SK 84467T403 0 24,000 SH   SOLE   0 0 24,000
Spdr S&P 400 Mid Cap Growth Etf ET 78464A821 916 7,778 SH   SOLE   0 0 7,778
Spdr S&P 600 Small Cap ET 78464A813 3,149 31,810 SH   SOLE   0 0 31,810
Spdr S&P Biotech Etf ET 78464A870 2,003 28,536 SH   SOLE   0 0 28,536
Spdr S&P Dividend Etf ET 78464A763 1,660 22,565 SH   SOLE   0 0 22,565
Vanguard Bond Index Fund Intermediate Te ET 921937819 3,191 38,418 SH   SOLE   0 0 38,418
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,730 34,311 SH   SOLE   0 0 34,311
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,934 62,464 SH   SOLE   0 0 62,464
Vanguard Div Appreciation ETF ET 921908844 7,825 100,636 SH   SOLE   0 0 100,636
Vanguard Emerging Market ET 922042858 504 15,411 SH   SOLE   0 0 15,411
Vanguard Energy Index ET 92204A306 2,059 24,772 SH   SOLE   0 0 24,772
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 789 7,413 SH   SOLE   0 0 7,413
Vanguard Info Technology ET 92204A702 808 7,462 SH   SOLE   0 0 7,462
Vanguard Mid Cap Value ET 922908512 4,470 52,007 SH   SOLE   0 0 52,007
Vanguard Msci Us Sm Cap Growth ET 922908595 5,961 49,088 SH   SOLE   0 0 49,088
Vanguard Reit ET 922908553 2,148 26,937 SH   SOLE   0 0 26,937
Vanguard Small Cap Value ET 922908611 4,393 44,476 SH   SOLE   0 0 44,476
Vanguard Total Bond Market Index ETF ET 921937835 556 6,882 SH   SOLE   0 0 6,882
Vanguard Total Stock Mkt ET 922908769 4,942 47,380 SH   SOLE   0 0 47,380
Wal Mart Stores SK 931142103 618 10,077 SH   SOLE   0 0 10,077
Walt Disney Co Holding Co SK 254687106 2,200 20,935 SH   SOLE   0 0 20,935