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 586 14,895 SH   SOLE   0 0 14,895
Abbvie Inc SK 00287Y109 652 10,530 SH   SOLE   0 0 10,530
Amazon Com Inc SK 023135106 330 461 SH   SOLE   0 0 461
Apple Computers SK 037833100 2,227 23,299 SH   SOLE   0 0 23,299
Barclay's Aggregate Bond Index I-Shares ET 464287226 12,600 111,885 SH   SOLE   0 0 111,885
Berkley W R Corporation SK 084423102 3,056 51,001 SH   SOLE   0 0 51,001
Berkshire Hathaway Cl B SK 084670702 686 4,739 SH   SOLE   0 0 4,739
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 434 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 331 6,071 SH   SOLE   0 0 6,071
Canadian Pac Ltd New F SK 13645T100 238 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 719 9,489 SH   SOLE   0 0 9,489
Chevrontexaco SK 166764100 306 2,915 SH   SOLE   0 0 2,915
Cisco Systems Inc SK 17275R102 372 12,983 SH   SOLE   0 0 12,983
Darden Restaurants SK 237194105 533 8,415 SH   SOLE   0 0 8,415
Dominos Pizza Inc SK 25754A201 735 5,597 SH   SOLE   0 0 5,597
Exxon Corporation SK 30231G102 1,033 11,015 SH   SOLE   0 0 11,015
General Electric Co. SK 369604103 1,072 34,053 SH   SOLE   0 0 34,053
International Business Machines SK 459200101 1,005 6,620 SH   SOLE   0 0 6,620
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 6,820 60,382 SH   SOLE   0 0 60,382
Ishares Barclays Tips Bond Fund ET 464287176 10,646 91,246 SH   SOLE   0 0 91,246
Ishares Core S&P Smallcap ETF 600 ET 464287804 1,717 14,771 SH   SOLE   0 0 14,771
Ishares Core US Growth ET 464287671 468 5,731 SH   SOLE   0 0 5,731
Ishares Core US Value ET 464287663 3,180 23,687 SH   SOLE   0 0 23,687
Ishares Goldman Sachs Tech Index ET 464287549 1,418 12,895 SH   SOLE   0 0 12,895
Ishares Lehman Treas Bond 1-3 Year ET 464287457 1,074 12,582 SH   SOLE   0 0 12,582
Ishares Morningstar Fund Large Core Inde ET 464287127 293 2,387 SH   SOLE   0 0 2,387
Ishares Morningstar Small-Cap Value Etf ET 464288703 222 1,831 SH   SOLE   0 0 1,831
Ishares Msci Canada Idx Fd ET 464286509 253 10,334 SH   SOLE   0 0 10,334
Ishares Msci Emrg Mkt Fd ET 464287234 3,530 102,722 SH   SOLE   0 0 102,722
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 2,546 38,349 SH   SOLE   0 0 38,349
Ishares Pharmaceutical Index Fund ET 464288836 920 6,374 SH   SOLE   0 0 6,374
Ishares Russell Midcap Index Fund ET 464287499 1,119 6,654 SH   SOLE   0 0 6,654
Ishares Russell Midcap Value Index Fund ET 464287473 12,234 164,682 SH   SOLE   0 0 164,682
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 1,968 16,881 SH   SOLE   0 0 16,881
Ishares S&P Midcap 400 Bar Val ET 464287705 7,426 57,990 SH   SOLE   0 0 57,990
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,284 19,422 SH   SOLE   0 0 19,422
Ishares S&P North Am Fund ET 464287374 1,708 51,426 SH   SOLE   0 0 51,426
Ishares S&P Smallcap Growth ETF ET 464287887 3,331 25,938 SH   SOLE   0 0 25,938
Ishares S&P Smallcap 600 Value ET 464287879 6,255 53,536 SH   SOLE   0 0 53,536
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,877 54,320 SH   SOLE   0 0 54,320
Ishares Tr Msci Eafe ET 464287465 3,237 57,995 SH   SOLE   0 0 57,995
Ishares Tr Nasdaq Biotech ET 464287556 236 918 SH   SOLE   0 0 918
Ishares Tr Russell 1000 Growth ET 464287614 689 6,862 SH   SOLE   0 0 6,862
Ishares Tr Russell 1000 Val ET 464287598 5,572 53,978 SH   SOLE   0 0 53,978
Ishares Tr Russell 2000 Val ET 464287630 1,932 19,854 SH   SOLE   0 0 19,854
Ishares Tr S&P 100 Index ET 464287101 254 2,731 SH   SOLE   0 0 2,731
Ishares Tr S&P 500 Barra Val ET 464287408 7,103 76,462 SH   SOLE   0 0 76,462
Ishares Tr S&P Midcap 400 Ind ET 464287507 7,130 47,731 SH   SOLE   0 0 47,731
Ishares Trust Dow Jones Select Dividend ET 464287168 2,982 34,968 SH   SOLE   0 0 34,968
Ishares Trust S&P 500 Index ET 464287200 2,918 13,861 SH   SOLE   0 0 13,861
Johnson & Johnson SK 478160104 3,249 26,785 SH   SOLE   0 0 26,785
Merrimack Pharma Inc SK 590328100 105 19,453 SH   SOLE   0 0 19,453
Microsoft Corp SK 594918104 227 4,431 SH   SOLE   0 0 4,431
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,742 6,401 SH   SOLE   0 0 6,401
Nielsen Holdings B V F SK N63218106 1,742 33,525 SH   SOLE   0 0 33,525
Omnicom Group Inc SK 681919106 1,564 19,197 SH   SOLE   0 0 19,197
P J T Partners Inc Cl A SK 69343T107 984 42,801 SH   SOLE   0 0 42,801
Paychex Inc SK 704326107 539 9,064 SH   SOLE   0 0 9,064
Pepsico SK 713448108 8,515 80,377 SH   SOLE   0 0 80,377
Pfizer Inc SK 717081103 1,399 39,738 SH   SOLE   0 0 39,738
Pimco Exch Traded Fund Total Return ET 72201R775 1,420 13,223 SH   SOLE   0 0 13,223
Pimco Municipal Income ET 72200W106 187 13,375 SH   SOLE   0 0 13,375
Powershares QQQ Trust, Ser 1 ET 73935A104 501 4,658 SH   SOLE   0 0 4,658
Powershs Ins National Muni Bond ETF ET 73936T474 1,502 56,601 SH   SOLE   0 0 56,601
Powershs Insured NY Muni Bond ETF ET 73936T458 1,120 43,976 SH   SOLE   0 0 43,976
Procter & Gamble Co. SK 742718109 1,189 14,038 SH   SOLE   0 0 14,038
Proshares Ultra S&P 500 ET 74347R107 2,566 38,731 SH   SOLE   0 0 38,731
Pub Svc Ent Group Inc SK 744573106 433 9,299 SH   SOLE   0 0 9,299
S P D R Trust Unit Sr 1 ET 78462F103 1,350 6,446 SH   SOLE   0 0 6,446
Sch Us Mid-Cap Etf ET 808524508 1,515 36,058 SH   SOLE   0 0 36,058
Sch Us Reit Etf ET 808524847 545 12,552 SH   SOLE   0 0 12,552
Schw US Large Cap ETF ET 808524201 325 6,537 SH   SOLE   0 0 6,537
Schw Us Brd Mkt Etf ET 808524102 1,231 24,465 SH   SOLE   0 0 24,465
Schw Us Scap Etf ET 808524607 1,720 31,835 SH   SOLE   0 0 31,835
Schwab US Tips ETF ET 808524870 1,004 17,782 SH   SOLE   0 0 17,782
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,025 15,017 SH   SOLE   0 0 15,017
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 208 9,122 SH   SOLE   0 0 9,122
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 950 7,721 SH   SOLE   0 0 7,721
Spdr S&P 600 Small Cap ET 78464A813 3,245 31,065 SH   SOLE   0 0 31,065
Spdr S&P Biotech Etf ET 78464A870 1,546 28,592 SH   SOLE   0 0 28,592
Spdr S&P Dividend Etf ET 78464A763 1,930 22,999 SH   SOLE   0 0 22,999
Vanguard Bond Index Fund Intermediate Te ET 921937819 3,168 35,971 SH   SOLE   0 0 35,971
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,639 32,559 SH   SOLE   0 0 32,559
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,986 61,675 SH   SOLE   0 0 61,675
Vanguard Div Appreciation ETF ET 921908844 8,026 96,420 SH   SOLE   0 0 96,420
Vanguard Emerging Market ET 922042858 543 15,424 SH   SOLE   0 0 15,424
Vanguard Energy Index ET 92204A306 2,300 24,175 SH   SOLE   0 0 24,175
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 760 7,089 SH   SOLE   0 0 7,089
Vanguard Info Technology ET 92204A702 805 7,516 SH   SOLE   0 0 7,516
Vanguard Mid Cap Value ET 922908512 4,447 49,919 SH   SOLE   0 0 49,919
Vanguard Msci Us Sm Cap Growth ET 922908595 5,801 46,822 SH   SOLE   0 0 46,822
Vanguard Reit ET 922908553 2,379 26,831 SH   SOLE   0 0 26,831
Vanguard Small Cap Value ET 922908611 4,942 46,929 SH   SOLE   0 0 46,929
Vanguard Total Bond Market Index ETF ET 921937835 586 6,953 SH   SOLE   0 0 6,953
Vanguard Total Stock Mkt ET 922908769 4,947 46,169 SH   SOLE   0 0 46,169
Vulcan Materials Company SK 929160109 232 1,924 SH   SOLE   0 0 1,924
Wal Mart Stores SK 931142103 833 11,401 SH   SOLE   0 0 11,401
Walt Disney Co Holding Co SK 254687106 2,342 23,947 SH   SOLE   0 0 23,947