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 671 15,113 SH   SOLE   0 0 15,113
Abbvie Inc SK 00287Y109 689 10,569 SH   SOLE   0 0 10,569
Alphabet Inc Class A SK 38259P508 208 245 SH   SOLE   0 0 245
Alphabet Inc Class C SK 38259P706 201 242 SH   SOLE   0 0 242
Amazon Com Inc SK 023135106 409 461 SH   SOLE   0 0 461
Analog Devices, Inc. SK 032654105 272 3,317 SH   SOLE   0 0 3,317
Apple Computers SK 037833100 3,363 23,413 SH   SOLE   0 0 23,413
Barclay's Aggregate Bond Index I-Shares ET 464287226 10,594 97,651 SH   SOLE   0 0 97,651
Berkley W R Corporation SK 084423102 3,348 47,396 SH   SOLE   0 0 47,396
Berkshire Hathaway Cl B SK 084670702 1,216 7,298 SH   SOLE   0 0 7,298
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 500 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 425 6,124 SH   SOLE   0 0 6,124
Canadian Pac Ltd New F SK 13645T100 272 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 898 9,681 SH   SOLE   0 0 9,681
Charter Communications SK 16117M305 417 1,273 SH   SOLE   0 0 1,273
Chevrontexaco SK 166764100 246 2,295 SH   SOLE   0 0 2,295
Cisco Systems Inc SK 17275R102 424 12,545 SH   SOLE   0 0 12,545
Darden Restaurants SK 237194105 423 5,055 SH   SOLE   0 0 5,055
Dominos Pizza Inc SK 25754A201 1,672 9,072 SH   SOLE   0 0 9,072
Exxon Corporation SK 30231G102 864 10,530 SH   SOLE   0 0 10,530
General Electric Co. SK 369604103 861 28,896 SH   SOLE   0 0 28,896
International Business Machines SK 459200101 977 5,609 SH   SOLE   0 0 5,609
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 6,032 57,127 SH   SOLE   0 0 57,127
Ishares Barclays Tips Bond Fund ET 464287176 10,073 87,859 SH   SOLE   0 0 87,859
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,119 30,642 SH   SOLE   0 0 30,642
Ishares Core US Growth ET 464287671 486 10,476 SH   SOLE   0 0 10,476
Ishares Core US Value ET 464287663 3,615 71,607 SH   SOLE   0 0 71,607
Ishares Goldman Sachs Tech Index ET 464287549 1,781 12,865 SH   SOLE   0 0 12,865
Ishares Lehman Treas Bond 1-3 Year ET 464287457 954 11,291 SH   SOLE   0 0 11,291
Ishares Morningstar Fund Large Core Inde ET 464287127 316 2,229 SH   SOLE   0 0 2,229
Ishares Morningstar Small-Cap Value Etf ET 464288703 268 1,862 SH   SOLE   0 0 1,862
Ishares Msci Canada Idx Fd ET 464286509 250 9,285 SH   SOLE   0 0 9,285
Ishares Msci Emrg Mkt Fd ET 464287234 3,631 92,193 SH   SOLE   0 0 92,193
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 1,939 29,372 SH   SOLE   0 0 29,372
Ishares Pharmaceutical Index Fund ET 464288836 969 6,418 SH   SOLE   0 0 6,418
Ishares Russell Midcap Index Fund ET 464287499 1,540 8,227 SH   SOLE   0 0 8,227
Ishares Russell Midcap Value Index Fund ET 464287473 13,793 166,200 SH   SOLE   0 0 166,200
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,133 16,221 SH   SOLE   0 0 16,221
Ishares S&P Midcap 400 Bar Val ET 464287705 8,226 55,412 SH   SOLE   0 0 55,412
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,541 18,547 SH   SOLE   0 0 18,547
Ishares S&P North Am Fund ET 464287374 1,718 50,131 SH   SOLE   0 0 50,131
Ishares S&P Smallcap Growth ETF ET 464287887 3,886 25,387 SH   SOLE   0 0 25,387
Ishares S&P Smallcap 600 Value ET 464287879 7,559 54,521 SH   SOLE   0 0 54,521
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,453 54,665 SH   SOLE   0 0 54,665
Ishares Tr Msci Eafe ET 464287465 3,430 55,071 SH   SOLE   0 0 55,071
Ishares Tr Nasdaq Biotech ET 464287556 268 913 SH   SOLE   0 0 913
Ishares Tr Russell 1000 Growth ET 464287614 769 6,755 SH   SOLE   0 0 6,755
Ishares Tr Russell 1000 Val ET 464287598 6,030 52,460 SH   SOLE   0 0 52,460
Ishares Tr Russell 2000 Val ET 464287630 2,391 20,233 SH   SOLE   0 0 20,233
Ishares Tr S&P 100 Index ET 464287101 277 2,650 SH   SOLE   0 0 2,650
Ishares Tr S&P 500 Barra Val ET 464287408 7,742 74,416 SH   SOLE   0 0 74,416
Ishares Tr S&P Midcap 400 Ind ET 464287507 8,189 47,824 SH   SOLE   0 0 47,824
Ishares Trust Dow Jones Select Dividend ET 464287168 3,158 34,666 SH   SOLE   0 0 34,666
Ishares Trust S&P 500 Index ET 464287200 4,848 20,431 SH   SOLE   0 0 20,431
J P Morgan & Co. Inc. SK 46625H100 281 3,202 SH   SOLE   0 0 3,202
Johnson & Johnson SK 478160104 3,196 25,657 SH   SOLE   0 0 25,657
Merrimack Pharma Inc SK 590328100 60 19,453 SH   SOLE   0 0 19,453
Microsoft Corp SK 594918104 255 3,868 SH   SOLE   0 0 3,868
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,948 6,235 SH   SOLE   0 0 6,235
Omnicom Group Inc SK 681919106 1,254 14,549 SH   SOLE   0 0 14,549
P J T Partners Inc Cl A SK 69343T107 1,748 49,803 SH   SOLE   0 0 49,803
Paychex Inc SK 704326107 537 9,123 SH   SOLE   0 0 9,123
Pepsico SK 713448108 9,078 81,154 SH   SOLE   0 0 81,154
Pfizer Inc SK 717081103 1,387 40,530 SH   SOLE   0 0 40,530
Pimco Exch Traded Fund Total Return ET 72201R775 1,536 14,582 SH   SOLE   0 0 14,582
Pimco Municipal Income ET 72200W106 176 13,990 SH   SOLE   0 0 13,990
Powershares QQQ Trust, Ser 1 ET 73935A104 622 4,695 SH   SOLE   0 0 4,695
Powershs Ins National Muni Bond ETF ET 73936T474 652 26,056 SH   SOLE   0 0 26,056
Powershs Insured NY Muni Bond ETF ET 73936T458 1,008 41,835 SH   SOLE   0 0 41,835
Procter & Gamble Co. SK 742718109 1,129 12,569 SH   SOLE   0 0 12,569
Proshares Ultra S&P 500 ET 74347R107 3,063 36,101 SH   SOLE   0 0 36,101
Pub Svc Ent Group Inc SK 744573106 424 9,562 SH   SOLE   0 0 9,562
S P D R Trust Unit Sr 1 ET 78462F103 1,469 6,233 SH   SOLE   0 0 6,233
Sch Us Mid-Cap Etf ET 808524508 3,715 78,490 SH   SOLE   0 0 78,490
Sch Us Reit Etf ET 808524847 444 10,890 SH   SOLE   0 0 10,890
Schw US Large Cap ETF ET 808524201 729 12,959 SH   SOLE   0 0 12,959
Schw Us Brd Mkt Etf ET 808524102 1,150 20,163 SH   SOLE   0 0 20,163
Schw Us Scap Etf ET 808524607 2,180 34,615 SH   SOLE   0 0 34,615
Schwab Intermediate Term Us Trs Etf ET 808524854 466 8,688 SH   SOLE   0 0 8,688
Schwab US Tips ETF ET 808524870 2,606 46,924 SH   SOLE   0 0 46,924
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,562 22,346 SH   SOLE   0 0 22,346
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 226 9,515 SH   SOLE   0 0 9,515
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 1,054 7,573 SH   SOLE   0 0 7,573
Spdr S&P 600 Small Cap ET 78464A813 4,191 34,551 SH   SOLE   0 0 34,551
Spdr S&P Biotech Etf ET 78464A870 1,961 28,287 SH   SOLE   0 0 28,287
Spdr S&P Dividend Etf ET 78464A763 2,350 26,657 SH   SOLE   0 0 26,657
Vanguard Bond Index Fund Intermediate Te ET 921937819 2,352 28,135 SH   SOLE   0 0 28,135
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,635 33,059 SH   SOLE   0 0 33,059
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,118 51,640 SH   SOLE   0 0 51,640
Vanguard Div Appreciation ETF ET 921908844 8,410 93,505 SH   SOLE   0 0 93,505
Vanguard Emerging Market ET 922042858 492 12,387 SH   SOLE   0 0 12,387
Vanguard Energy Index ET 92204A306 2,227 23,024 SH   SOLE   0 0 23,024
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 843 6,931 SH   SOLE   0 0 6,931
Vanguard Info Technology ET 92204A702 961 7,082 SH   SOLE   0 0 7,082
Vanguard Mid Cap Value ET 922908512 5,078 49,820 SH   SOLE   0 0 49,820
Vanguard Msci Us Sm Cap Growth ET 922908595 6,565 46,669 SH   SOLE   0 0 46,669
Vanguard Reit ET 922908553 2,008 24,311 SH   SOLE   0 0 24,311
Vanguard Small Cap Value ET 922908611 8,920 72,604 SH   SOLE   0 0 72,604
Vanguard Total Bond Market Index ETF ET 921937835 410 5,061 SH   SOLE   0 0 5,061
Vanguard Total Stock Mkt ET 922908769 5,278 43,505 SH   SOLE   0 0 43,505
Vulcan Materials Company SK 929160109 233 1,935 SH   SOLE   0 0 1,935
Wal Mart Stores SK 931142103 738 10,244 SH   SOLE   0 0 10,244
Walt Disney Co Holding Co SK 254687106 2,628 23,175 SH   SOLE   0 0 23,175