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
ALLSTATE CORP COM 020002101 506 6,822 SH   OTR   6,822 0 0
APPLE INC COM 037833100 462 3,991 SH   OTR   3,735 0 257
BERKSHIRE HATHAWAY INC DEL CL A 084670108 976 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 395 2,425 SH   OTR   2,425 0 0
DISNEY WALT CO COM DISNEY 254687106 227 2,175 SH   OTR   2,175 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 396 5,400 SH   OTR   5,400 0 0
EXXON MOBIL CORP COM 30231G102 1,705 18,890 SH   OTR   18,890 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 5,993 123,445 SH   SOLE   121,610 0 1,835
GENERAL ELECTRIC CO COM 369604103 502 15,873 SH   OTR   15,873 0 0
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 654 11,357 SH   SOLE   8,970 0 2,387
INTEL CORP COM 458140100 239 6,600 SH   OTR   6,600 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 207 1,245 SH   OTR   1,245 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 3,447 142,257 SH   SOLE   139,927 0 2,330
ISHARES TR 1-3 YR CR BD ETF 464288646 5,328 50,774 SH   SOLE   50,169 0 605
ISHARES TR 0-5 YR TIPS ETF 46429B747 685 6,805 SH   SOLE   6,684 0 120
ISHARES TR 1-3 YR TR BD ETF 464287457 1,442 17,075 SH   SOLE   17,075 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661 1,525 12,445 SH   SOLE   12,445 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,481 13,150 SH   SOLE   13,150 0 0
ISHARES TR MBS ETF 464288588 1,206 11,345 SH   SOLE   11,345 0 0
ISHARES TR SHRT TRS BD ETF 464288679 2,529 22,925 SH   SOLE   22,925 0 0
ISHARES TR CORE MSCI EAFE 46432F842 143,203 2,670,206 SH   SOLE   2,604,682 0 65,524
ISHARES INC CORE MSCI EMKT 46434G103 46,642 1,098,763 SH   SOLE   1,070,756 0 28,007
ISHARES TR CORE S&P500 ETF 464287200 297,095 1,320,479 SH   SOLE   1,271,486 0 48,993
ISHARES TR CORE S&P MCP ETF 464287507 168,902 1,021,541 SH   SOLE   1,003,862 0 17,678
ISHARES TR CORE S&P SCP ETF 464287804 144,419 1,050,165 SH   SOLE   1,032,860 0 17,305
ISHARES TR CORE US AGGBD ET 464287226 7,844 72,586 SH   SOLE   71,100 0 1,486
ISHARES TR FLTG RATE BD ETF 46429B655 61,783 1,217,877 SH   SOLE   1,189,205 0 28,672
ISHARES GOLD TRUST ISHARES 464285105 1,542 139,125 SH   SOLE   139,125 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,790 15,275 SH   SOLE   15,275 0 0
ISHARES TR INTL TREA BD ETF 464288117 2,146 23,890 SH   SOLE   23,890 0 0
ISHARES TR MICRO-CAP ETF 464288869 11,528 134,295 SH   SOLE   133,145 0 1,150
ISHARES TR MSCI EAFE ETF 464287465 15,448 267,599 SH   SOLE   261,704 0 5,895
ISHARES TR EAFE SML CP ETF 464288273 3,283 65,880 SH   SOLE   65,050 0 830
ISHARES TR EAFE VALUE ETF 464288877 3,843 81,327 SH   SOLE   77,712 0 3,615
ISHARES TR RUS 1000 GRW ETF 464287614 1,842 17,555 SH   SOLE   17,555 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 497 3,230 SH   SOLE   3,230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 249 1,850 SH   SOLE   1,850 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 454 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 552 6,865 SH   SOLE   6,865 0 0
ISHARES TR S&P MC 400GR ETF 464287606 2,704 14,840 SH   SOLE   14,840 0 0
ISHARES TR S&P MC 400VL ETF 464287705 20,547 141,497 SH   SOLE   136,197 0 5,300
ISHARES TR S&P 500 GRWT ETF 464287309 1,634 13,417 SH   SOLE   13,092 0 325
ISHARES TR S&P 500 VAL ETF 464287408 13,616 134,311 SH   SOLE   131,542 0 2,770
ISHARES TR SP SMCP600GR ETF 464287887 2,124 14,158 SH   SOLE   13,708 0 450
ISHARES TR SP SMCP600VL ETF 464287879 2,055 14,678 SH   SOLE   14,203 0 475
ISHARES TR NEW YORK MUN ETF 464288323 2,039 18,725 SH   SOLE   13,675 0 5,050
ISHARES TR SHRT NAT MUN ETF 464288158 1,195 11,375 SH   SOLE   11,375 0 0
ISHARES TR TIPS BD ETF 464287176 10,059 88,887 SH   SOLE   85,727 0 3,160
JOHNSON & JOHNSON COM 478160104 635 5,514 SH   OTR   5,514 0 0
JPMORGAN CHASE & CO COM 46625H100 998 11,565 SH   OTR   11,565 0 0
KEYCORP NEW COM 493267108 1,612 88,222 SH   OTR   37,222 0 51,000
KIMBERLY CLARK CORP COM 494368103 318 2,785 SH   OTR   2,785 0 0
LOWES COS INC COM 548661107 544 7,645 SH   OTR   7,645 0 0
MERRIMACK PHARMACEUTICALS IN COM 590328100 72 17,532 SH   OTR   17,532 0 0
MICROSOFT CORP COM 594918104 490 7,879 SH   OTR   7,879 0 0
NOVAVAX INC COM 670002104 14 11,040 SH   OTR   11,040 0 0
PAYCHEX INC COM 704326107 5,171 84,940 SH   OTR   84,940 0 0
PEPSICO INC COM 713448108 389 3,719 SH   OTR   3,719 0 0
PFIZER INC COM 717081103 488 15,029 SH   OTR   15,029 0 0
PHILIP MORRIS INTL INC COM 718172109 200 2,190 SH   OTR   2,190 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 769 7,700 SH   SOLE   7,700 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,184 22,573 SH   SOLE   22,573 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 3,518 222,121 SH   SOLE   220,121 0 2,000
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 1,020 41,660 SH   SOLE   41,660 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 440 18,855 SH   SOLE   18,855 0 0
PRAXAIR INC COM 74005P104 226 1,925 SH   OTR   1,925 0 0
PROCTER AND GAMBLE CO COM 742718109 220 2,621 SH   OTR   2,621 0 0
SCHLUMBERGER LTD COM 806857108 215 2,556 SH   OTR   2,556 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,286 59,643 SH   SOLE   59,643 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,719 134,370 SH   SOLE   134,370 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 651 22,381 SH   SOLE   22,381 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,969 174,146 SH   SOLE   174,146 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,930 73,796 SH   SOLE   73,796 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 637 13,255 SH   SOLE   13,255 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,195 26,473 SH   SOLE   26,473 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 734 17,893 SH   SOLE   17,893 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,127 18,334 SH   SOLE   18,334 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,433 26,135 SH   SOLE   26,135 0 0
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 795 27,155 SH   SOLE   27,155 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 429 15,500 SH   SOLE   15,500 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 535 2,707 SH   SOLE   2,707 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 18,637 516,559 SH   SOLE   508,824 0 7,735
SPDR GOLD TRUST GOLD SHS 78463V107 1,058 9,654 SH   SOLE   9,654 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,157 24,383 SH   SOLE   24,383 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 615 12,828 SH   SOLE   12,828 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 345 3,674 SH   SOLE   3,674 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 91,184 407,929 SH   SOLE   401,319 0 6,610
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3,200 80,562 SH   SOLE   77,112 0 3,450
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2,560 62,300 SH   SOLE   62,300 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,211 76,246 SH   SOLE   71,771 0 4,475
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 834 2,765 SH   SOLE   2,765 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 32,316 346,177 SH   SOLE   340,972 0 5,205
TOMPKINS FINANCIAL CORPORATI COM 890110109 359 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 1,137 49,050 SH   SOLE   49,050 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,936 518,214 SH   SOLE   509,374 0 8,840
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,300 231,987 SH   SOLE   222,687 0 9,300
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 633 12,761 SH   SOLE   12,761 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,172 40,750 SH   SOLE   34,075 0 6,675
VANGUARD INDEX FDS MID CAP ETF 922908629 1,513 11,494 SH   SOLE   9,834 0 1,660
VANGUARD INDEX FDS REIT ETF 922908553 2,549 30,886 SH   SOLE   30,576 0 310
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 221 1,075 SH   SOLE   1,075 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 337 4,245 SH   SOLE   4,245 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,005 25,235 SH   SOLE   25,235 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 53,032 1,078,759 SH   SOLE   1,055,529 0 23,230
VANGUARD INDEX FDS SMALL CP ETF 922908751 708 5,490 SH   SOLE   3,135 0 2,355
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,156 23,000 SH   SOLE   23,000 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 32,878 406,954 SH   SOLE   390,719 0 16,235
VANGUARD INDEX FDS TOTAL STK MKT 922908769 468 4,055 SH   SOLE   4,055 0 0