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 573 14,927 SH   SOLE   0 0 14,927
Abbvie Inc SK 00287Y109 661 10,554 SH   SOLE   0 0 10,554
Amazon Com Inc SK 023135106 352 469 SH   SOLE   0 0 469
Analog Devices, Inc. SK 032654105 240 3,299 SH   SOLE   0 0 3,299
Apple Computers SK 037833100 2,759 23,824 SH   SOLE   0 0 23,824
Barclay's Aggregate Bond Index I-Shares ET 464287226 10,587 97,973 SH   SOLE   0 0 97,973
Berkley W R Corporation SK 084423102 3,227 48,524 SH   SOLE   0 0 48,524
Berkshire Hathaway Cl B SK 084670702 1,273 7,809 SH   SOLE   0 0 7,809
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 488 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 389 6,107 SH   SOLE   0 0 6,107
Canadian Pac Ltd New F SK 13645T100 264 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 895 9,653 SH   SOLE   0 0 9,653
Chevrontexaco SK 166764100 268 2,279 SH   SOLE   0 0 2,279
Cisco Systems Inc SK 17275R102 399 13,196 SH   SOLE   0 0 13,196
Darden Restaurants SK 237194105 352 4,837 SH   SOLE   0 0 4,837
Dominos Pizza Inc SK 25754A201 1,159 7,277 SH   SOLE   0 0 7,277
Exxon Corporation SK 30231G102 949 10,515 SH   SOLE   0 0 10,515
General Electric Co. SK 369604103 1,012 32,029 SH   SOLE   0 0 32,029
International Business Machines SK 459200101 929 5,594 SH   SOLE   0 0 5,594
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 6,066 57,869 SH   SOLE   0 0 57,869
Ishares Barclays Tips Bond Fund ET 464287176 10,290 90,924 SH   SOLE   0 0 90,924
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,091 15,207 SH   SOLE   0 0 15,207
Ishares Core US Growth ET 464287671 458 10,673 SH   SOLE   0 0 10,673
Ishares Core US Value ET 464287663 3,504 71,306 SH   SOLE   0 0 71,306
Ishares Goldman Sachs Tech Index ET 464287549 1,603 12,945 SH   SOLE   0 0 12,945
Ishares Lehman Treas Bond 1-3 Year ET 464287457 1,067 12,632 SH   SOLE   0 0 12,632
Ishares Morningstar Fund Large Core Inde ET 464287127 306 2,308 SH   SOLE   0 0 2,308
Ishares Morningstar Small-Cap Value Etf ET 464288703 265 1,856 SH   SOLE   0 0 1,856
Ishares Msci Canada Idx Fd ET 464286509 243 9,291 SH   SOLE   0 0 9,291
Ishares Msci Emrg Mkt Fd ET 464287234 3,268 93,345 SH   SOLE   0 0 93,345
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 1,530 24,999 SH   SOLE   0 0 24,999
Ishares Pharmaceutical Index Fund ET 464288836 906 6,403 SH   SOLE   0 0 6,403
Ishares Russell Midcap Index Fund ET 464287499 1,402 7,837 SH   SOLE   0 0 7,837
Ishares Russell Midcap Value Index Fund ET 464287473 13,741 170,844 SH   SOLE   0 0 170,844
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,011 16,514 SH   SOLE   0 0 16,514
Ishares S&P Midcap 400 Bar Val ET 464287705 8,271 56,961 SH   SOLE   0 0 56,961
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,469 19,039 SH   SOLE   0 0 19,039
Ishares S&P North Am Fund ET 464287374 1,817 50,554 SH   SOLE   0 0 50,554
Ishares S&P Smallcap Growth ETF ET 464287887 3,912 26,081 SH   SOLE   0 0 26,081
Ishares S&P Smallcap 600 Value ET 464287879 7,641 54,576 SH   SOLE   0 0 54,576
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,482 55,020 SH   SOLE   0 0 55,020
Ishares Tr Msci Eafe ET 464287465 3,263 56,517 SH   SOLE   0 0 56,517
Ishares Tr Nasdaq Biotech ET 464287556 244 918 SH   SOLE   0 0 918
Ishares Tr Russell 1000 Growth ET 464287614 707 6,735 SH   SOLE   0 0 6,735
Ishares Tr Russell 1000 Val ET 464287598 6,037 53,886 SH   SOLE   0 0 53,886
Ishares Tr Russell 2000 Val ET 464287630 2,398 20,161 SH   SOLE   0 0 20,161
Ishares Tr S&P 100 Index ET 464287101 273 2,744 SH   SOLE   0 0 2,744
Ishares Tr S&P 500 Barra Val ET 464287408 7,706 76,009 SH   SOLE   0 0 76,009
Ishares Tr S&P Midcap 400 Ind ET 464287507 7,962 48,157 SH   SOLE   0 0 48,157
Ishares Trust Dow Jones Select Dividend ET 464287168 3,072 34,681 SH   SOLE   0 0 34,681
Ishares Trust S&P 500 Index ET 464287200 4,208 18,704 SH   SOLE   0 0 18,704
J P Morgan & Co. Inc. SK 46625H100 275 3,184 SH   SOLE   0 0 3,184
Johnson & Johnson SK 478160104 2,964 25,730 SH   SOLE   0 0 25,730
Merrimack Pharma Inc SK 590328100 79 19,453 SH   SOLE   0 0 19,453
Microsoft Corp SK 594918104 295 4,745 SH   SOLE   0 0 4,745
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,958 6,488 SH   SOLE   0 0 6,488
Nielsen Holdings B V F SK N63218106 636 15,171 SH   SOLE   0 0 15,171
Omnicom Group Inc SK 681919106 1,634 19,194 SH   SOLE   0 0 19,194
P J T Partners Inc Cl A SK 69343T107 1,322 42,802 SH   SOLE   0 0 42,802
Paychex Inc SK 704326107 560 9,205 SH   SOLE   0 0 9,205
Pepsico SK 713448108 8,324 79,557 SH   SOLE   0 0 79,557
Pfizer Inc SK 717081103 1,287 39,632 SH   SOLE   0 0 39,632
Pimco Exch Traded Fund Total Return ET 72201R775 1,208 11,596 SH   SOLE   0 0 11,596
Pimco Municipal Income ET 72200W106 168 13,773 SH   SOLE   0 0 13,773
Powershares QQQ Trust, Ser 1 ET 73935A104 555 4,681 SH   SOLE   0 0 4,681
Powershs Ins National Muni Bond ETF ET 73936T474 643 25,814 SH   SOLE   0 0 25,814
Powershs Insured NY Muni Bond ETF ET 73936T458 993 41,511 SH   SOLE   0 0 41,511
Procter & Gamble Co. SK 742718109 1,020 12,134 SH   SOLE   0 0 12,134
Proshares Ultra S&P 500 ET 74347R107 2,939 38,605 SH   SOLE   0 0 38,605
Pub Svc Ent Group Inc SK 744573106 416 9,473 SH   SOLE   0 0 9,473
S P D R Trust Unit Sr 1 ET 78462F103 1,412 6,316 SH   SOLE   0 0 6,316
Sch Us Mid-Cap Etf ET 808524508 2,969 65,761 SH   SOLE   0 0 65,761
Sch Us Reit Etf ET 808524847 446 10,862 SH   SOLE   0 0 10,862
Schw US Large Cap ETF ET 808524201 554 10,405 SH   SOLE   0 0 10,405
Schw Us Brd Mkt Etf ET 808524102 1,338 24,701 SH   SOLE   0 0 24,701
Schw Us Scap Etf ET 808524607 2,310 37,570 SH   SOLE   0 0 37,570
Schwab Intermediate Term Us Trs Etf ET 808524854 338 6,329 SH   SOLE   0 0 6,329
Schwab US Tips ETF ET 808524870 2,055 37,470 SH   SOLE   0 0 37,470
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,563 20,745 SH   SOLE   0 0 20,745
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 222 9,534 SH   SOLE   0 0 9,534
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 1,005 7,553 SH   SOLE   0 0 7,553
Spdr S&P 600 Small Cap ET 78464A813 4,047 33,496 SH   SOLE   0 0 33,496
Spdr S&P Biotech Etf ET 78464A870 1,694 28,613 SH   SOLE   0 0 28,613
Spdr S&P Dividend Etf ET 78464A763 2,211 25,844 SH   SOLE   0 0 25,844
Vanguard Bond Index Fund Intermediate Te ET 921937819 2,220 26,722 SH   SOLE   0 0 26,722
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,621 32,984 SH   SOLE   0 0 32,984
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,143 52,192 SH   SOLE   0 0 52,192
Vanguard Div Appreciation ETF ET 921908844 8,127 95,409 SH   SOLE   0 0 95,409
Vanguard Emerging Market ET 922042858 442 12,365 SH   SOLE   0 0 12,365
Vanguard Energy Index ET 92204A306 2,396 22,890 SH   SOLE   0 0 22,890
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 796 7,139 SH   SOLE   0 0 7,139
Vanguard Info Technology ET 92204A702 899 7,401 SH   SOLE   0 0 7,401
Vanguard Mid Cap Value ET 922908512 5,079 52,262 SH   SOLE   0 0 52,262
Vanguard Msci Us Sm Cap Growth ET 922908595 6,242 46,884 SH   SOLE   0 0 46,884
Vanguard Reit ET 922908553 1,899 23,013 SH   SOLE   0 0 23,013
Vanguard Small Cap Value ET 922908611 7,658 63,287 SH   SOLE   0 0 63,287
Vanguard Total Bond Market Index ETF ET 921937835 407 5,041 SH   SOLE   0 0 5,041
Vanguard Total Stock Mkt ET 922908769 5,420 47,003 SH   SOLE   0 0 47,003
Vulcan Materials Company SK 929160109 242 1,931 SH   SOLE   0 0 1,931
Wal Mart Stores SK 931142103 754 10,903 SH   SOLE   0 0 10,903
Walt Disney Co Holding Co SK 254687106 2,797 26,842 SH   SOLE   0 0 26,842