ALPS ETF TR ALERIAN MLP 00162Q866 1799 108585 SH SOLE 106485 0 2100 ALLSTATE CORP COM 020002101 449 6302 SH OTR 6302 0 0 APPLE INC COM 037833100 357 2870 SH OTR 2870 0 0 BERKSHIRE HATHAWAY INC DEL CL A 084670108 653 3 SH OTR 3 0 0 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 220 1525 SH OTR 1525 0 0 DU PONT E I DE NEMOURS & CO COM 263534109 386 5400 SH OTR 5400 0 0 EXXON MOBIL CORP COM 30231g102 1672 19665 SH OTR 19665 0 0 FIRST NIAGARA FINL GP INC COM 33582V108 3687 417040 SH OTR 2577 0 414463 FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 3933 79883 SH SOLE 79883 0 0 GENERAL ELECTRIC CO COM 369604103 213 8603 SH OTR 8603 0 0 RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 825 15274 SH SOLE 12887 0 2387 INTEL CORP COM 458140100 219 7000 SH OTR 7000 0 0 BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 1341 48371 SH SOLE 48371 0 0 ISHARES TR 0-5 YR TIPS ETF 46429B747 237 2381 SH SOLE 2381 0 0 ISHARES 1-3 YR CR BD ETF 464288646 5446 51608 SH SOLE 51108 0 500 ISHARES TR 1-3 YR TR BD ETF 464287457 1499 17660 SH SOLE 17660 0 0 ISHARES 3-7 YR TR BD ETF 464288661 1971 15870 SH SOLE 15870 0 0 ISHARES AGENCY BOND ETF 464288166 1513 13250 SH SOLE 13250 0 0 ISHARES SHRT TRS BD ETF 464288679 2032 18425 SH SOLE 18425 0 0 ISHARES TR CORE MSCI EAFE 46432F842 637 10895 SH SOLE 10895 0 0 ISHARES INC CORE MSCI EMKT 46434G103 579 11975 SH SOLE 11975 0 0 ISHARES TR CORE S&P MCP ETF 464287507 131832 867432 SH SOLE 854942 0 12490 ISHARES TR CORE S&P500 ETF 464287200 244383 1175878 SH SOLE 1139463 0 36415 ISHARES TR CORE S&P SCP ETF 464287804 107462 910460 SH SOLE 898430 0 12030 ISHARES TR CORE US AGGBD ET 464287226 4164 37372 SH SOLE 37372 0 0 ISHARES TR FLTG RATE BD ETF 46429B655 50952 1006163 SH SOLE 987043 0 19120 ISHARES GOLD TRUST ISHARES 464285105 1788 156135 SH SOLE 156135 0 0 ISHARES TR IBOXX INV CP ETF 464287242 1740 14300 SH SOLE 14300 0 0 ISHARES INTL TREA BD ETF 464288117 1286 14045 SH SOLE 14045 0 0 ISHARES TR MSCI EAFE ETF 464287465 111026 1730185 SH SOLE 1705430 0 24755 ISHARES EAFE SML CP ETF 464288273 1963 39683 SH SOLE 39103 0 580 ISHARES EAFE VALUE ETF 464288877 3185 59785 SH SOLE 57660 0 2125 ISHARES EM MKT SM-CP ETF 464286475 220 4651 SH SOLE 4651 0 0 ISHARES TR MSCI EMG MKT ETF 464287234 769 19170 SH SOLE 19170 0 0 ISHARES TR RUS 1000 GRW ETF 464287614 1786 18055 SH SOLE 18055 0 0 ISHARES TR RUS 2000 GRW ETF 464287648 493 3255 SH SOLE 3255 0 0 ISHARES TR RUS 2000 VAL ETF 464287630 301 2915 SH SOLE 2915 0 0 ISHARES MICRO-CAP ETF 464288869 11155 141064 SH SOLE 138237 0 2827 ISHARES TR RUS MD CP GR ETF 464287481 700 7150 SH SOLE 7150 0 0 ISHARES TR RUS MDCP VAL ETF 464287473 384 5100 SH SOLE 5100 0 0 ISHARES TR S&P MC 400GR ETF 464287606 4158 24241 SH SOLE 24241 0 0 ISHARES TR S&P MC 400VL ETF 464287705 3952 30181 SH SOLE 30181 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 2797 24547 SH SOLE 24022 0 525 ISHARES TR S&P 500 VAL ETF 464287408 13523 146104 SH SOLE 143504 0 2600 ISHARES TR SP SMCP600GR ETF 464287887 3307 25406 SH SOLE 24911 0 495 ISHARES TR SP SMCP600VL ETF 464287879 3131 26328 SH SOLE 25753 0 575 ISHARES NY AMTFRE MU ETF 464288323 1500 13360 SH SOLE 9295 0 4065 ISHARES TR TIPS BD ETF 464287176 6921 60928 SH SOLE 58428 0 2500 JOHNSON & JOHNSON COM 478160104 551 5479 SH OTR 5479 0 0 JPMORGAN CHASE & CO COM 46625h100 809 13359 SH OTR 13359 0 0 KIMBERLY CLARK CORP COM 494368103 405 3785 SH OTR 3785 0 0 LOWES COS INC COM 548661107 571 7680 SH OTR 7680 0 0 MERRIMACK PHARMACEUTICALS IN COM 590328100 208 17532 SH OTR 17532 0 0 MICROSOFT CORP COM 594918104 302 7439 SH OTR 7439 0 0 PAYCHEX INC COM 704326107 4188 84401 SH OTR 84401 0 0 PEPSICO INC COM 713448108 346 3619 SH OTR 3619 0 0 PFIZER INC COM 717081103 563 16184 SH OTR 16184 0 0 PIMCO ETF TR 0-5 HIGH YIELD 72201R783 655 6450 SH SOLE 6450 0 0 PIMCO ETF TR 1-5 US TIP IDX 72201R205 656 12646 SH SOLE 12646 0 0 POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 2807 164444 SH SOLE 161444 0 3000 POWERSHARES GLOBAL ETF TRUST NY MUNI BD ETF 73936T458 324 13225 SH SOLE 13225 0 0 POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 583 22060 SH SOLE 22060 0 0 POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 547 22725 SH SOLE 19075 0 3650 PRAXAIR INC COM 74005P104 215 1780 SH OTR 1780 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 97812 473826 SH SOLE 466091 0 7735 SCHLUMBERGER LTD COM 806857108 242 2901 SH OTR 2901 0 0 SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1126 46219 SH SOLE 46219 0 0 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2955 97760 SH SOLE 97760 0 0 SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 449 14902 SH SOLE 14902 0 0 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4933 93233 SH SOLE 93233 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2553 51499 SH SOLE 51499 0 0 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 402 9290 SH SOLE 9290 0 0 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 814 18869 SH SOLE 18869 0 0 SCHWAB STRATEGIC TR US REIT ETF 808524847 478 11776 SH SOLE 11776 0 0 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 774 13449 SH SOLE 13449 0 0 SCHWAB STRATEGIC TR US TIPS ETF 808524870 1253 22818 SH SOLE 22818 0 0 SPDR SERIES TRUST SHRT INTL ETF 78464A334 468 15410 SH SOLE 15410 0 0 SPDR SER TR SHT TRM HGH YLD 78468R408 496 17000 SH SOLE 17000 0 0 SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 17137 395595 SH SOLE 390310 0 5285 SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 1305 7347 SH SOLE 7347 0 0 SPDR SERIES TRUST DJ REIT ETF 78464A607 28673 303193 SH SOLE 299088 0 4105 SPDR GOLD TRUST GOLD SHS 78463V107 1660 14605 SH SOLE 14605 0 0 SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 639 26283 SH SOLE 26283 0 0 SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3977 88877 SH SOLE 81912 0 6965 SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2138 49800 SH SOLE 49800 0 0 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2483 85731 SH SOLE 82131 0 3600 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 808 2915 SH SOLE 2915 0 0 UBS AG JERSEY BRH ALERIAN INFRST 902641646 33434 881226 SH SOLE 868026 0 13200 VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 13170 330651 SH SOLE 325951 0 4700 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7236 177054 SH SOLE 155314 0 21740 VANGUARD INDEX FDS LARGE CAP ETF 922908637 4833 50770 SH SOLE 43995 0 6775 VANGUARD INDEX FDS MID CAP ETF 922908629 1786 13456 SH SOLE 12281 0 1175 VANGUARD INDEX FDS REIT ETF 922908553 2700 32026 SH SOLE 31716 0 310 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1157 14375 SH SOLE 14375 0 0 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 48611 1003116 SH SOLE 987841 0 15275 VANGUARD INDEX FDS SMALL CP ETF 922908751 809 6599 SH SOLE 4774 0 1825 VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 34913 418772 SH SOLE 401342 0 17430 VANGUARD INDEX FDS TOTAL STK MKT 922908769 326 3035 SH SOLE 3035 0 0