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 588 14,628 SH   SOLE   0 0 14,628
Abbvie Inc SK 00287Y109 571 10,491 SH   SOLE   0 0 10,491
Amazon Com Inc SK 023135106 233 456 SH   SOLE   0 0 456
Apple Computers SK 037833100 2,437 22,093 SH   SOLE   0 0 22,093
Barclay's Aggregate Bond Index I-Shares ET 464287226 13,162 120,111 SH   SOLE   0 0 120,111
Berkley W R Corporation SK 084423102 2,978 54,765 SH   SOLE   0 0 54,765
Berkshire Hathaway Cl B SK 084670702 620 4,757 SH   SOLE   0 0 4,757
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 390 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 240 6,012 SH   SOLE   0 0 6,012
Canadian Pac Ltd New F SK 13645T100 266 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 625 9,564 SH   SOLE   0 0 9,564
Chevrontexaco SK 166764100 224 2,841 SH   SOLE   0 0 2,841
Cisco Systems Inc SK 17275R102 366 13,938 SH   SOLE   0 0 13,938
Darden Restaurants SK 237194105 855 12,470 SH   SOLE   0 0 12,470
Dominos Pizza Inc SK 25754A201 1,270 11,769 SH   SOLE   0 0 11,769
Exxon Corporation SK 30231G102 798 10,735 SH   SOLE   0 0 10,735
General Electric Co. SK 369604103 846 33,535 SH   SOLE   0 0 33,535
International Business Machines SK 459200101 869 5,995 SH   SOLE   0 0 5,995
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 6,673 61,857 SH   SOLE   0 0 61,857
Ishares Barclays Tips Bond Fund ET 464287176 10,595 95,719 SH   SOLE   0 0 95,719
Ishares Core S&P Smallcap ETF 600 ET 464287804 1,534 14,398 SH   SOLE   0 0 14,398
Ishares Core US Growth ET 464287671 439 5,784 SH   SOLE   0 0 5,784
Ishares Core US Value ET 464287663 2,845 23,397 SH   SOLE   0 0 23,397
Ishares Gold Trust ET 464285105 155 14,415 SH   SOLE   0 0 14,415
Ishares Goldman Sachs Tech Index ET 464287549 1,303 12,993 SH   SOLE   0 0 12,993
Ishares Lehman Treas Bond 1-3 Year ET 464287457 1,102 12,966 SH   SOLE   0 0 12,966
Ishares Morningstar Fund Large Core Inde ET 464287127 286 2,553 SH   SOLE   0 0 2,553
Ishares Morningstar Small-Cap Value Etf ET 464288703 201 1,790 SH   SOLE   0 0 1,790
Ishares Msci Canada Idx Fd ET 464286509 816 35,473 SH   SOLE   0 0 35,473
Ishares Msci Emrg Mkt Fd ET 464287234 4,989 152,190 SH   SOLE   0 0 152,190
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 1,620 25,972 SH   SOLE   0 0 25,972
Ishares Pharmaceutical Index Fund ET 464288836 953 6,441 SH   SOLE   0 0 6,441
Ishares Russell Midcap Index Fund ET 464287499 995 6,395 SH   SOLE   0 0 6,395
Ishares Russell Midcap Value Index Fund ET 464287473 11,040 164,557 SH   SOLE   0 0 164,557
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 1,529 14,183 SH   SOLE   0 0 14,183
Ishares S&P Midcap 400 Bar Val ET 464287705 6,754 58,554 SH   SOLE   0 0 58,554
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,157 20,097 SH   SOLE   0 0 20,097
Ishares S&P North Am Fund ET 464287374 2,025 69,733 SH   SOLE   0 0 69,733
Ishares S&P Smallcap Growth ETF ET 464287887 3,068 25,536 SH   SOLE   0 0 25,536
Ishares S&P Smallcap 600 Value ET 464287879 5,621 53,642 SH   SOLE   0 0 53,642
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 4,996 53,938 SH   SOLE   0 0 53,938
Ishares Tr Msci Eafe ET 464287465 3,458 60,328 SH   SOLE   0 0 60,328
Ishares Tr Nasdaq Biotech ET 464287556 278 917 SH   SOLE   0 0 917
Ishares Tr Russell 1000 Growth ET 464287614 633 6,808 SH   SOLE   0 0 6,808
Ishares Tr Russell 1000 Val ET 464287598 5,241 56,181 SH   SOLE   0 0 56,181
Ishares Tr Russell 2000 Val ET 464287630 1,818 20,177 SH   SOLE   0 0 20,177
Ishares Tr S&P 100 Index ET 464287101 229 2,703 SH   SOLE   0 0 2,703
Ishares Tr S&P 500 Barra Val ET 464287408 6,331 75,346 SH   SOLE   0 0 75,346
Ishares Tr S&P Midcap 400 Ind ET 464287507 6,559 48,014 SH   SOLE   0 0 48,014
Ishares Trust Dow Jones Select Dividend ET 464287168 2,472 33,978 SH   SOLE   0 0 33,978
Ishares Trust Index Fund Ftse Xinhua Hk ET 464287184 223 6,294 SH   SOLE   0 0 6,294
Ishares Trust S&P 500 Index ET 464287200 1,647 8,547 SH   SOLE   0 0 8,547
J P Morgan & Co. Inc. SK 46625H100 201 3,295 SH   SOLE   0 0 3,295
Johnson & Johnson SK 478160104 2,418 25,898 SH   SOLE   0 0 25,898
Merrimack Pharma Inc SK 590328100 166 19,453 SH   SOLE   0 0 19,453
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,623 6,520 SH   SOLE   0 0 6,520
Nielsen Holdings B V F SK N63218106 3,574 80,373 SH   SOLE   0 0 80,373
Omnicom Group Inc SK 681919106 1,322 20,056 SH   SOLE   0 0 20,056
Paychex Inc SK 704326107 421 8,849 SH   SOLE   0 0 8,849
Pepsico SK 713448108 6,177 65,507 SH   SOLE   0 0 65,507
Pfizer Inc SK 717081103 1,190 37,888 SH   SOLE   0 0 37,888
Pimco Exch Traded Fund Total Return ET 72201R775 765 7,253 SH   SOLE   0 0 7,253
Pimco Municipal Income ET 72200W106 154 12,780 SH   SOLE   0 0 12,780
Powershares QQQ Trust, Ser 1 ET 73935A104 492 4,836 SH   SOLE   0 0 4,836
Powershs Exch Trad Fd Tr Powershare Intl ET 73935X716 221 15,311 SH   SOLE   0 0 15,311
Powershs Ins National Muni Bond ETF ET 73936T474 1,413 56,472 SH   SOLE   0 0 56,472
Powershs Insured NY Muni Bond ETF ET 73936T458 1,042 43,409 SH   SOLE   0 0 43,409
Procter & Gamble Co. SK 742718109 1,020 14,177 SH   SOLE   0 0 14,177
Proshares Ultra S&P 500 ET 74347R107 2,098 37,737 SH   SOLE   0 0 37,737
Pub Svc Ent Group Inc SK 744573106 381 9,041 SH   SOLE   0 0 9,041
S P D R Trust Unit Sr 1 ET 78462F103 1,244 6,493 SH   SOLE   0 0 6,493
Sch Us Mid-Cap Etf ET 808524508 573 14,726 SH   SOLE   0 0 14,726
Sch Us Reit Etf ET 808524847 451 12,137 SH   SOLE   0 0 12,137
Schw Us Brd Mkt Etf ET 808524102 1,116 24,069 SH   SOLE   0 0 24,069
Schw Us Scap Etf ET 808524607 1,469 28,931 SH   SOLE   0 0 28,931
Schwab US Tips ETF ET 808524870 523 9,751 SH   SOLE   0 0 9,751
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 814 13,304 SH   SOLE   0 0 13,304
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 204 9,017 SH   SOLE   0 0 9,017
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 888 7,656 SH   SOLE   0 0 7,656
Spdr S&P 600 Small Cap ET 78464A813 3,027 31,035 SH   SOLE   0 0 31,035
Spdr S&P Biotech Etf ET 78464A870 1,773 28,477 SH   SOLE   0 0 28,477
Spdr S&P Dividend Etf ET 78464A763 1,628 22,565 SH   SOLE   0 0 22,565
Vanguard Bond Index Fund Intermediate Te ET 921937819 2,792 32,904 SH   SOLE   0 0 32,904
Vanguard Bond Index Short Term Bond ETF ET 921937827 3,483 43,325 SH   SOLE   0 0 43,325
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,657 58,425 SH   SOLE   0 0 58,425
Vanguard Div Appreciation ETF ET 921908844 7,379 100,066 SH   SOLE   0 0 100,066
Vanguard Emerging Market ET 922042858 578 17,460 SH   SOLE   0 0 17,460
Vanguard Energy Index ET 92204A306 2,318 27,348 SH   SOLE   0 0 27,348
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 688 6,855 SH   SOLE   0 0 6,855
Vanguard Info Technology ET 92204A702 743 7,435 SH   SOLE   0 0 7,435
Vanguard Mid Cap Value ET 922908512 4,232 50,845 SH   SOLE   0 0 50,845
Vanguard Msci Us Sm Cap Growth ET 922908595 5,730 48,654 SH   SOLE   0 0 48,654
Vanguard Reit ET 922908553 2,007 26,573 SH   SOLE   0 0 26,573
Vanguard Small Cap Value ET 922908611 3,788 39,115 SH   SOLE   0 0 39,115
Vanguard Total Bond Market Index ETF ET 921937835 559 6,820 SH   SOLE   0 0 6,820
Vanguard Total Stock Mkt ET 922908769 4,480 45,384 SH   SOLE   0 0 45,384
Wal Mart Stores SK 931142103 426 6,577 SH   SOLE   0 0 6,577
Walt Disney Co Holding Co SK 254687106 2,266 22,172 SH   SOLE   0 0 22,172