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 2824100 633 14,969 SH   SOLE   0 0 14,969
Abbvie Inc SK 00287Y109 665 10,542 SH   SOLE   0 0 10,542
Amazon Com Inc SK 23135106 386 461 SH   SOLE   0 0 461
Analog Devices, Inc. SK 32654105 211 3,280 SH   SOLE   0 0 3,280
Apple Computers SK 37833100 2,645 23,395 SH   SOLE   0 0 23,395
Barclay's Aggregate Bond Index I-Shares ET 464287226 12,582 111,922 SH   SOLE   0 0 111,922
Berkley W R Corporation SK 84423102 2,929 50,712 SH   SOLE   0 0 50,712
Berkshire Hathaway Cl B SK 84670702 909 6,289 SH   SOLE   0 0 6,289
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 84990175 432 200 SH   SOLE   0 0 200
Biogen Idec Inc SK 09062X103 203 650 SH   SOLE   0 0 650
CBS Corporation Cl B SK 124857202 333 6,088 SH   SOLE   0 0 6,088
Canadian Pac Ltd New F SK 13645T100 282 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 848 9,558 SH   SOLE   0 0 9,558
Chevrontexaco SK 166764100 302 2,939 SH   SOLE   0 0 2,939
Cisco Systems Inc SK 17275R102 415 13,089 SH   SOLE   0 0 13,089
Darden Restaurants SK 237194105 367 5,986 SH   SOLE   0 0 5,986
Dominos Pizza Inc SK 25754A201 1,105 7,277 SH   SOLE   0 0 7,277
Exxon Corporation SK 30231G102 949 10,878 SH   SOLE   0 0 10,878
General Electric Co. SK 369604103 959 32,367 SH   SOLE   0 0 32,367
International Business Machines SK 459200101 1,021 6,426 SH   SOLE   0 0 6,426
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 6,757 60,397 SH   SOLE   0 0 60,397
Ishares Barclays Tips Bond Fund ET 464287176 10,602 91,015 SH   SOLE   0 0 91,015
Ishares Core S&P Smallcap ETF 600 ET 464287804 1,820 14,663 SH   SOLE   0 0 14,663
Ishares Core US Growth ET 464287671 451 10,606 SH   SOLE   0 0 10,606
Ishares Core US Value ET 464287663 3,269 70,903 SH   SOLE   0 0 70,903
Ishares Goldman Sachs Tech Index ET 464287549 1,594 12,896 SH   SOLE   0 0 12,896
Ishares Lehman Treas Bond 1-3 Year ET 464287457 1,072 12,603 SH   SOLE   0 0 12,603
Ishares Morningstar Fund Large Core Inde ET 464287127 306 2,387 SH   SOLE   0 0 2,387
Ishares Morningstar Small-Cap Value Etf ET 464288703 239 1,831 SH   SOLE   0 0 1,831
Ishares Msci Canada Idx Fd ET 464286509 265 10,334 SH   SOLE   0 0 10,334
Ishares Msci Emrg Mkt Fd ET 464287234 3,769 100,636 SH   SOLE   0 0 100,636
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 2,785 41,169 SH   SOLE   0 0 41,169
Ishares Pharmaceutical Index Fund ET 464288836 953 6,374 SH   SOLE   0 0 6,374
Ishares Russell Midcap Index Fund ET 464287499 1,271 7,291 SH   SOLE   0 0 7,291
Ishares Russell Midcap Value Index Fund ET 464287473 12,718 165,663 SH   SOLE   0 0 165,663
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,005 16,479 SH   SOLE   0 0 16,479
Ishares S&P Midcap 400 Bar Val ET 464287705 7,612 57,230 SH   SOLE   0 0 57,230
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,365 19,258 SH   SOLE   0 0 19,258
Ishares S&P North Am Fund ET 464287374 1,757 50,973 SH   SOLE   0 0 50,973
Ishares S&P Smallcap Growth ETF ET 464287887 3,557 25,939 SH   SOLE   0 0 25,939
Ishares S&P Smallcap 600 Value ET 464287879 6,694 53,637 SH   SOLE   0 0 53,637
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,699 54,324 SH   SOLE   0 0 54,324
Ishares Tr Msci Eafe ET 464287465 3,370 56,994 SH   SOLE   0 0 56,994
Ishares Tr Nasdaq Biotech ET 464287556 266 918 SH   SOLE   0 0 918
Ishares Tr Russell 1000 Growth ET 464287614 718 6,890 SH   SOLE   0 0 6,890
Ishares Tr Russell 1000 Val ET 464287598 5,661 53,596 SH   SOLE   0 0 53,596
Ishares Tr Russell 2000 Val ET 464287630 2,092 19,970 SH   SOLE   0 0 19,970
Ishares Tr S&P 100 Index ET 464287101 262 2,731 SH   SOLE   0 0 2,731
Ishares Tr S&P 500 Barra Val ET 464287408 7,182 75,632 SH   SOLE   0 0 75,632
Ishares Tr S&P Midcap 400 Ind ET 464287507 7,372 47,653 SH   SOLE   0 0 47,653
Ishares Trust Dow Jones Select Dividend ET 464287168 2,996 34,968 SH   SOLE   0 0 34,968
Ishares Trust S&P 500 Index ET 464287200 3,540 16,272 SH   SOLE   0 0 16,272
J P Morgan & Co. Inc. SK 46625H100 211 3,162 SH   SOLE   0 0 3,162
Johnson & Johnson SK 478160104 3,205 27,132 SH   SOLE   0 0 27,132
Merrimack Pharma Inc SK 590328100 124 19,453 SH   SOLE   0 0 19,453
Microsoft Corp SK 594918104 259 4,490 SH   SOLE   0 0 4,490
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,781 6,310 SH   SOLE   0 0 6,310
Nielsen Holdings B V F SK N63218106 1,443 26,934 SH   SOLE   0 0 26,934
Omnicom Group Inc SK 681919106 1,640 19,291 SH   SOLE   0 0 19,291
P J T Partners Inc Cl A SK 69343T107 1,167 42,802 SH   SOLE   0 0 42,802
Paychex Inc SK 704326107 528 9,132 SH   SOLE   0 0 9,132
Pepsico SK 713448108 8,472 77,891 SH   SOLE   0 0 77,891
Pfizer Inc SK 717081103 1,356 40,044 SH   SOLE   0 0 40,044
Pimco Exch Traded Fund Total Return ET 72201R775 1,455 13,475 SH   SOLE   0 0 13,475
Pimco Municipal Income ET 72200W106 185 13,564 SH   SOLE   0 0 13,564
Powershares QQQ Trust, Ser 1 ET 73935A104 554 4,669 SH   SOLE   0 0 4,669
Powershs Ins National Muni Bond ETF ET 73936T474 1,669 64,102 SH   SOLE   0 0 64,102
Powershs Insured NY Muni Bond ETF ET 73936T458 1,128 44,956 SH   SOLE   0 0 44,956
Procter & Gamble Co. SK 742718109 1,269 14,138 SH   SOLE   0 0 14,138
Proshares Ultra S&P 500 ET 74347R107 2,755 38,815 SH   SOLE   0 0 38,815
Pub Svc Ent Group Inc SK 744573106 393 9,381 SH   SOLE   0 0 9,381
S P D R Trust Unit Sr 1 ET 78462F103 1,395 6,447 SH   SOLE   0 0 6,447
Sch Us Mid-Cap Etf ET 808524508 1,958 44,983 SH   SOLE   0 0 44,983
Sch Us Reit Etf ET 808524847 538 12,615 SH   SOLE   0 0 12,615
Schw US Large Cap ETF ET 808524201 445 8,613 SH   SOLE   0 0 8,613
Schw Us Brd Mkt Etf ET 808524102 1,284 24,545 SH   SOLE   0 0 24,545
Schw Us Scap Etf ET 808524607 1,992 34,617 SH   SOLE   0 0 34,617
Schwab Intermediate Term Us Trs Etf ET 808524854 292 5,262 SH   SOLE   0 0 5,262
Schwab US Tips ETF ET 808524870 1,217 21,327 SH   SOLE   0 0 21,327
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,272 18,018 SH   SOLE   0 0 18,018
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 959 7,521 SH   SOLE   0 0 7,521
Spdr S&P 600 Small Cap ET 78464A813 3,540 31,735 SH   SOLE   0 0 31,735
Spdr S&P Biotech Etf ET 78464A870 1,896 28,605 SH   SOLE   0 0 28,605
Spdr S&P Dividend Etf ET 78464A763 2,056 24,376 SH   SOLE   0 0 24,376
Vanguard Bond Index Fund Intermediate Te ET 921937819 3,149 35,918 SH   SOLE   0 0 35,918
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,571 31,812 SH   SOLE   0 0 31,812
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 5,536 68,727 SH   SOLE   0 0 68,727
Vanguard Div Appreciation ETF ET 921908844 8,051 95,924 SH   SOLE   0 0 95,924
Vanguard Emerging Market ET 922042858 587 15,608 SH   SOLE   0 0 15,608
Vanguard Energy Index ET 92204A306 2,355 24,102 SH   SOLE   0 0 24,102
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 798 7,110 SH   SOLE   0 0 7,110
Vanguard Info Technology ET 92204A702 908 7,541 SH   SOLE   0 0 7,541
Vanguard Mid Cap Value ET 922908512 4,662 49,824 SH   SOLE   0 0 49,824
Vanguard Msci Us Sm Cap Growth ET 922908595 6,153 46,688 SH   SOLE   0 0 46,688
Vanguard Reit ET 922908553 2,550 29,400 SH   SOLE   0 0 29,400
Vanguard Small Cap Value ET 922908611 5,626 50,839 SH   SOLE   0 0 50,839
Vanguard Total Bond Market Index ETF ET 921937835 588 6,994 SH   SOLE   0 0 6,994
Vanguard Total Stock Mkt ET 922908769 5,153 46,285 SH   SOLE   0 0 46,285
Vulcan Materials Company SK 929160109 219 1,928 SH   SOLE   0 0 1,928
Wal Mart Stores SK 931142103 868 12,032 SH   SOLE   0 0 12,032
Walt Disney Co Holding Co SK 254687106 2,179 23,469 SH   SOLE   0 0 23,469