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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALLSTATE CORP COM 020002101   472 6,822 SH   OTR   6,822 0 0
APPLE INC COM 037833100   496 4,386 SH   OTR   4,131 0 255
BERKSHIRE HATHAWAY INC DEL CL A 084670108   865 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   350 2,425 SH   OTR   2,425 0 0
CVS HEALTH CORP COM 126650100   222 2,493 SH   OTR   2,493 0 0
DISNEY WALT CO COM DISNEY 254687106   202 2,175 SH   OTR   2,175 0 0
DU PONT E I DE NEMOURS & CO COM 263534109   362 5,400 SH   OTR   5,400 0 0
EXXON MOBIL CORP COM 30231g102   1,649 18,890 SH   OTR   18,890 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309   3,830 79,023 SH   SOLE   77,498 0 1,525
GENERAL ELECTRIC CO COM 369604103   491 16,575 SH   OTR   16,575 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555   300 13,600 SH   SOLE   13,600 0 0
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304   664 12,552 SH   SOLE   10,165 0 2,387
INTEL CORP COM 458140100   249 6,600 SH   OTR   6,600 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778   2,084 88,779 SH   SOLE   86,449 0 2,330
ISHARES TR 1-3 YR CR BD ETF 464288646   5,525 52,237 SH   SOLE   51,712 0 525
ISHARES TR 0-5 YR TIPS ETF 46429B747   474 4,692 SH   SOLE   4,572 0 120
ISHARES TR 1-3 YR TR BD ETF 464287457   1,667 19,600 SH   SOLE   19,600 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661   1,575 12,445 SH   SOLE   12,445 0 0
ISHARES TR AGENCY BOND ETF 464288166   1,520 13,150 SH   SOLE   13,150 0 0
ISHARES TR INTRM GOV/CR ETF 464288612   288 2,550 SH   SOLE   2,550 0 0
ISHARES TR MBS ETF 464288588   1,128 10,245 SH   SOLE   10,245 0 0
ISHARES TR SHRT TRS BD ETF 464288679   2,973 26,925 SH   SOLE   26,925 0 0
ISHARES TR CORE MSCI EAFE 46432F842   127,751 2,316,843 SH   SOLE   2,253,526 0 63,317
ISHARES TR CORE MSCI EMKT 46434G103   39,295 861,538 SH   SOLE   834,235 0 27,303
ISHARES TR CORE S&P500 ETF 464287200   300,134 1,379,548 SH   SOLE   1,330,556 0 48,992
ISHARES TR CORE S&P MCP ETF 464287507   156,594 1,012,179 SH   SOLE   993,802 0 18,377
ISHARES TR CORE S&P SCP ETF 464287804   134,103 1,080,165 SH   SOLE   1,061,310 0 18,855
ISHARES TR CORE US AGGBD ET 464287226   7,559 67,235 SH   SOLE   65,753 0 1,482
ISHARES TR FLTG RATE BD ETF 46429B655   60,118 1,184,594 SH   SOLE   1,155,748 0 28,846
ISHARES GOLD TRUST ISHARES 464285105   1,765 139,125 SH   SOLE   139,125 0 0
ISHARES TR IBOXX INV CP ETF 464287242   1,721 13,975 SH   SOLE   13,975 0 0
ISHARES TR INTL TREA BD ETF 464288117   2,224 22,145 SH   SOLE   22,145 0 0
ISHARES TR MICRO-CAP ETF 464288869   14,353 183,992 SH   SOLE   182,692 0 1,300
ISHARES TR MSCI EAFE ETF 464287465   17,221 291,232 SH   SOLE   285,187 0 6,045
ISHARES TR EAFE SML CP ETF 464288273   2,620 49,994 SH   SOLE   49,414 0 580
ISHARES TR EAFE VALUE ETF 464288877   2,767 59,945 SH   SOLE   57,045 0 2,900
ISHARES EM MKT SM-CP ETF 464286475   202 4,548 SH   SOLE   4,548 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   263 7,031 SH   SOLE   7,031 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,829 17,555 SH   SOLE   17,555 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   481 3,230 SH   SOLE   3,230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   230 1,850 SH   SOLE   1,850 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   400 3,815 SH   SOLE   3,815 0 0
ISHARES TR RUS MD CP GR ETF 464287481   696 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   403 5,251 SH   SOLE   5,251 0 0
ISHARES TR S&P MC 400GR ETF 464287606   3,322 19,010 SH   SOLE   19,010 0 0
ISHARES TR S&P MC 400VL ETF 464287705   7,409 55,705 SH   SOLE   50,405 0 5,300
ISHARES TR S&P 500 GRWT ETF 464287309   1,759 14,462 SH   SOLE   13,937 0 525
ISHARES TR S&P 500 VAL ETF 464287408   13,946 146,866 SH   SOLE   143,848 0 3,018
ISHARES TR SP SMCP600GR ETF 464287887   2,925 21,331 SH   SOLE   20,881 0 450
ISHARES TR SP SMCP600VL ETF 464287879   2,789 22,347 SH   SOLE   21,872 0 475
ISHARES TR NEW YORK MUN ETF 464288323   1,983 17,395 SH   SOLE   12,445 0 4,950
ISHARES TR SHRT NAT MUN ETF 464288158   1,089 10,275 SH   SOLE   10,275 0 0
ISHARES TR TIPS BD ETF 464287176   7,858 67,455 SH   SOLE   64,750 0 2,705
JOHNSON & JOHNSON COM 478160104   651 5,514 SH   OTR   5,514 0 0
JPMORGAN CHASE & CO COM 46625h100   911 13,687 SH   OTR   13,687 0 0
KEYCORP NEW COM 493267108   1,141 93,762 SH   OTR   42,762 0 51,000
KIMBERLY CLARK CORP COM 494368103   351 2,785 SH   OTR   2,785 0 0
LOWES COS INC COM 548661107   552 7,645 SH   OTR   7,645 0 0
MERRIMACK PHARMACEUTICALS IN COM 590328100   111 17,532 SH   OTR   17,532 0 0
MICROSOFT CORP COM 594918104   454 7,879 SH   OTR   7,879 0 0
NOVAVAX INC COM 670002104   25 12,040 SH   OTR   12,040 0 0
PAYCHEX INC COM 704326107   4,915 84,927 SH   OTR   84,927 0 0
PEPSICO INC COM 713448108   405 3,719 SH   OTR   3,719 0 0
PFIZER INC COM 717081103   643 18,994 SH   OTR   18,994 0 0
PHILIP MORRIS INTL INC COM 718172109   213 2,190 SH   OTR   2,190 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   766 7,700 SH   SOLE   7,700 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   983 18,655 SH   SOLE   18,655 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105   3,338 222,381 SH   SOLE   220,381 0 2,000
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835   1,006 37,815 SH   SOLE   37,815 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769   472 20,345 SH   SOLE   19,695 0 650
PRAXAIR INC COM 74005P104   233 1,925 SH   OTR   1,925 0 0
PROCTER AND GAMBLE CO COM 742718109   235 2,621 SH   OTR   2,621 0 0
SCHLUMBERGER LTD COM 806857108   201 2,556 SH   OTR   2,556 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,304 56,556 SH   SOLE   56,556 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,692 128,231 SH   SOLE   128,231 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   606 19,624 SH   SOLE   19,624 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,040 149,797 SH   SOLE   149,797 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,925 76,041 SH   SOLE   76,041 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   589 12,938 SH   SOLE   12,938 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,211 27,822 SH   SOLE   27,822 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   577 13,520 SH   SOLE   13,520 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,158 20,129 SH   SOLE   20,129 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,339 23,458 SH   SOLE   23,458 0 0
SPDR SERIES TRUST SHRT INTL ETF 78464A334   810 25,460 SH   SOLE   25,460 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408   429 15,500 SH   SOLE   15,500 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109   627 3,432 SH   SOLE   3,432 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   19,521 468,028 SH   SOLE   460,293 0 7,735
SPDR GOLD TRUST GOLD SHS 78463V107   1,736 13,819 SH   SOLE   13,819 0 0
SPDR SER TR NUVN BRCLY MUNI 78468R721   1,054 21,050 SH   SOLE   21,050 0 0
SPDR SER TR NUVN BR SHT MUNI 78468R739   1,290 26,413 SH   SOLE   26,413 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   92,648 428,333 SH   SOLE   421,023 0 7,310
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   3,651 84,598 SH   SOLE   80,783 0 3,815
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   2,437 62,300 SH   SOLE   62,300 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   2,426 77,347 SH   SOLE   72,872 0 4,475
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   780 2,765 SH   SOLE   2,765 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607   32,547 334,259 SH   SOLE   329,104 0 5,155
TOMPKINS FINANCIAL CORPORATI COM 890110109   290 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544   1,049 42,650 SH   SOLE   42,650 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   11,360 303,659 SH   SOLE   293,479 0 10,180
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,261 166,378 SH   SOLE   156,778 0 9,600
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,109 41,440 SH   SOLE   34,765 0 6,675
VANGUARD INDEX FDS MID CAP ETF 922908629   1,488 11,494 SH   SOLE   9,834 0 1,660
VANGUARD INDEX FDS REIT ETF 922908553   2,611 30,107 SH   SOLE   29,797 0 310
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   214 1,075 SH   SOLE   1,075 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   335 4,155 SH   SOLE   4,155 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   2,826 34,960 SH   SOLE   34,960 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   53,477 1,077,088 SH   SOLE   1,054,288 0 22,800
VANGUARD INDEX FDS SMALL CP ETF 922908751   710 5,815 SH   SOLE   3,135 0 2,680
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746   1,044 20,000 SH   SOLE   20,000 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   34,961 415,514 SH   SOLE   398,729 0 16,785
VANGUARD INDEX FDS TOTAL STK MKT 922908769   460 4,129 SH   SOLE   4,129 0 0