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 LABS COM 002824100 245 4,599 SH   OTR   4,599 0 0
ALLSTATE CORP COM 020002101 627 6,822 SH   OTR   6,822 0 0
ALTRIA GROUP INC COM 02209s103 280 4,412 SH   OTR   4,412 0 0
APPLE INC COM 037833100 918 5,954 SH   OTR   5,697 0 257
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,099 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 639 3,484 SH   OTR   3,484 0 0
BOEING CO COM 097023105 216 848 SH   OTR   848 0 0
CATERPILLAR INC DEL COM 149123101 213 1,704 SH   OTR   1,704 0 0
CORNING INC COM 219350105 206 6,900 SH   OTR   6,900 0 0
DISNEY WALT CO COM DISNEY 254687106 215 2,179 SH   OTR   2,179 0 0
DOWDUPONT INC COM 26078J100 495 7,147 SH   OTR   7,147 0 0
EXXON MOBIL CORP COM 30231g102 1,592 19,423 SH   OTR   19,423 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 3,028 62,832 SH   SOLE   61,422 0 1,410
GENERAL ELECTRIC CO COM 369604103 375 15,505 SH   OTR   13,555 0 1,950
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 649 10,555 SH   SOLE   10,555 0 0
INTEL CORP COM 458140100 251 6,600 SH   OTR   6,600 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 625 26,890 SH   SOLE   24,260 0 2,630
ISHARES TR 1 3 YR CR BD ETF 464288646 1,476 14,010 SH   SOLE   14,010 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,103 10,988 SH   SOLE   10,868 0 120
ISHARES TR 1 3 YR TREAS BD 464287457 1,388 16,430 SH   SOLE   16,430 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,211 26,000 SH   SOLE   26,000 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,409 12,400 SH   SOLE   12,400 0 0
ISHARES TR MBS ETF 464288588 1,227 11,455 SH   SOLE   11,455 0 0
ISHARES TR SHORT TREAS BD 464288679 1,675 15,170 SH   SOLE   15,170 0 0
ISHARES TR CORE MSCI EAFE 46432F842 192,083 2,993,343 SH   SOLE   2,989,179 0 4,164
ISHARES INC CORE MSCI EMKT 46434G103 68,291 1,264,178 SH   SOLE   1,263,170 0 1,007
ISHARES TR CORE S&P500 ETF 464287200 362,547 1,433,389 SH   SOLE   1,430,136 0 3,253
ISHARES TR CORE S&P MCP ETF 464287507 189,702 1,060,379 SH   SOLE   1,057,261 0 3,118
ISHARES TR CORE S&P SCP ETF 464287804 164,170 2,211,943 SH   SOLE   2,205,793 0 6,150
ISHARES TR CORE US AGGBD ET 464287226 12,601 114,985 SH   SOLE   114,499 0 486
ISHARES TR FLTG RATE NT ETF 46429B655 126,374 2,480,835 SH   SOLE   2,459,693 0 21,142
ISHARES GOLD TRUST ISHARES 464285105 1,532 124,425 SH   SOLE   124,425 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,285 18,850 SH   SOLE   18,850 0 0
ISHARES TR INTL TREA BD ETF 464288117 3,077 62,480 SH   SOLE   62,480 0 0
ISHARES TR JPMORGAN USD EMG 464288281 536 4,600 SH   SOLE   4,600 0 0
ISHARES TR MICRO-CAP ETF 464288869 11,684 123,710 SH   SOLE   122,560 0 1,150
ISHARES TR MSCI EAFE ETF 464287465 18,388 268,518 SH   SOLE   263,323 0 5,195
ISHARES TR EAFE SML CP ETF 464288273 4,023 64,886 SH   SOLE   64,886 0 0
ISHARES TR EAFE VALUE ETF 464288877 4,487 82,181 SH   SOLE   81,351 0 830
ISHARES INC EM MKT SM-CP ETF 464286475 241 4,880 SH   SOLE   4,880 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 463 10,329 SH   SOLE   10,329 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,236 17,880 SH   SOLE   17,880 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 578 3,230 SH   SOLE   3,230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 275 1,857 SH   SOLE   1,857 0 0
ISHARES TR RUS MD CP GR ETF 464287630 474 3,815 SH   SOLE   3,815 0 0
ISHARES TR RUS MD CP GR ETF 464287481 809 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 588 6,925 SH   SOLE   6,925 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,465 7,240 SH   SOLE   7,240 0 0
ISHARES TR S&P MC 400VL ETF 464287705 34,450 225,559 SH   SOLE   225,059 0 500
ISHARES TR S&P 500 GRWT ETF 464287309 1,364 9,512 SH   SOLE   9,412 0 100
ISHARES TR S&P 500 VAL ETF 464287408 12,419 115,090 SH   SOLE   112,495 0 2,595
ISHARES TR S&P SML 600 GWT 464287887 1,559 9,480 SH   SOLE   9,030 0 450
ISHARES TR SP SMCP600VL ETF 464287879 1,568 10,569 SH   SOLE   10,094 0 475
ISHARES TR NEW YORK MUN ETF 464288323 2,800 25,005 SH   SOLE   18,705 0 6,300
ISHARES TR SHRT NAT MUN ETF 464288158 1,285 12,130 SH   SOLE   12,130 0 0
ISHARES TR TIPS BD ETF 464287176 11,653 102,601 SH   SOLE   99,440 0 3,160
JOHNSON & JOHNSON COM 478160104 766 5,894 SH   OTR   5,894 0 0
JPMORGAN CHASE & CO COM 46625h100 1,005 10,527 SH   OTR   10,527 0 0
KIMBERLY CLARK CORP COM 494368103 298 2,535 SH   OTR   2,535 0 0
LOWES COS INC COM 548661107 603 7,545 SH   OTR   7,545 0 0
M & T BK CORP COM 55261f104 234 1,452 SH   OTR   1,452 0 0
MERCK & CO INC COM 58933Y105 228 3,563 SH   OTR   3,563 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 215 2,394 SH   OTR   2,394 0 0
MICROSOFT CORP COM 594918104 775 10,402 SH   OTR   10,402 0 0
ORACLE CORP COM 68389X105 215 4,448 SH   OTR   4,448 0 0
PAYCHEX INC COM 704326107 4,916 81,990 SH   OTR   81,990 0 0
PEPSICO INC COM 713448108 353 3,169 SH   OTR   3,169 0 0
PFIZER INC COM 717081103 430 12,033 SH   OTR   12,033 0 0
PHILIP MORRIS INTL INC COM 718172109 441 3,972 SH   OTR   3,972 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,326 25,401 SH   SOLE   25,401 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 1,413 91,765 SH   SOLE   91,765 0 0
POWERSHARES ACT MANG COMM FD OPT YLD DIV 73937V106 5,752 341,364 SH   SOLE   341,364 0 0
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 1,275 47,160 SH   SOLE   47,160 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 264 11,415 SH   SOLE   11,415 0 0
PRAXAIR INC COM 74005P104 213 1,525 SH   OTR   1,525 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,622 60,277 SH   SOLE   60,277 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,647 138,854 SH   SOLE   138,854 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 831 23,210 SH   SOLE   23,210 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 11,790 225,178 SH   SOLE   225,178 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,909 81,765 SH   SOLE   81,765 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 741 14,290 SH   SOLE   14,290 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,439 28,708 SH   SOLE   28,708 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 27,713 673,786 SH   SOLE   672,001 0 1,785
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,335 19,822 SH   SOLE   19,822 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,659 30,027 SH   SOLE   30,027 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 1,435 46,675 SH   SOLE   46,675 0 0
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 961 30,055 SH   SOLE   30,055 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 313 11,200 SH   SOLE   11,200 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 566 2,530 SH   SOLE   2,530 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,996 130,168 SH   SOLE   130,168 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,059 8,714 SH   SOLE   8,714 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,306 26,710 SH   SOLE   26,710 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 680 13,992 SH   SOLE   13,992 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 588 5,940 SH   SOLE   5,940 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 88,673 352,956 SH   SOLE   346,596 0 6,360
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3,450 69,631 SH   SOLE   66,306 0 3,325
SPDR SER TR SPDR S&P 500 ETF 78468R796 538 8,835 SH   SOLE   8,835 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,358 67,319 SH   SOLE   63,294 0 4,025
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 857 2,626 SH   SOLE   2,626 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 8,655 93,561 SH   SOLE   93,511 0 50
TOMPKINS FINANCIAL CORPORATI COM 890110109 327 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 1,180 49,050 SH   SOLE   49,050 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,179 487,893 SH   SOLE   477,103 0 10,790
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,292 213,270 SH   SOLE   204,120 0 9,150
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 18,936 318,737 SH   SOLE   317,682 0 1,055
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,482 38,835 SH   SOLE   32,335 0 6,500
VANGUARD INDEX FDS MID CAP ETF 922908629 1,571 10,689 SH   SOLE   9,589 0 1,100
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,691 32,045 SH   SOLE   32,045 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,407 28,971 SH   SOLE   28,661 0 310
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,141 13,610 SH   SOLE   13,610 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,811 22,595 SH   SOLE   22,595 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,277 28,530 SH   SOLE   28,530 0 0
VANGUARD SCOTTSDALE FDS SHTRM GVT BD ETF 92206C102 1,414 23,290 SH   SOLE   23,290 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 66,105 1,336,799 SH   SOLE   1,325,244 0 11,555
VANGUARD INDEX FDS SMALL CP ETF 922908751 616 4,360 SH   SOLE   3,005 0 1,355
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,188 23,000 SH   SOLE   23,000 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 40,798 497,774 SH   SOLE   477,524 0 20,250
VANGUARD INDEX FDS TOTAL STK MKT 922908769 394 3,040 SH   SOLE   3,040 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 362 5,594 SH   SOLE   5,594 0 0