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 905 15,109 SH   SOLE   0 0 15,109
Abbvie Inc SK 00287Y109 941 9,942 SH   SOLE   0 0 9,942
Alphabet Inc Class A SK 02079K305 254 245 SH   SOLE   0 0 245
Alphabet Inc Class C SK 02079K107 285 276 SH   SOLE   0 0 276
Amazon Com Inc SK 023135106 657 454 SH   SOLE   0 0 454
Analog Devices, Inc. SK 032654105 309 3,388 SH   SOLE   0 0 3,388
Apple Computers SK 037833100 4,008 23,890 SH   SOLE   0 0 23,890
Barclay's Aggregate Bond Index I-Shares ET 464287226 10,406 97,030 SH   SOLE   0 0 97,030
Berkley W R Corporation SK 084423102 3,011 41,412 SH   SOLE   0 0 41,412
Berkshire Hathaway Cl B SK 084670702 1,276 6,396 SH   SOLE   0 0 6,396
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 598 200 SH   SOLE   0 0 200
Boston Beer Co Inc Cl A Class A SK 100557107 207 1,094 SH   SOLE   0 0 1,094
CBS Corporation Cl B SK 124857202 318 6,195 SH   SOLE   0 0 6,195
Canadian Pac Ltd New F SK 13645T100 327 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,383 9,386 SH   SOLE   0 0 9,386
Charter Communications SK 16119P108 627 2,015 SH   SOLE   0 0 2,015
Chevrontexaco SK 166764100 289 2,535 SH   SOLE   0 0 2,535
Cisco Systems Inc SK 17275R102 553 12,885 SH   SOLE   0 0 12,885
Darden Restaurants SK 237194105 329 3,857 SH   SOLE   0 0 3,857
Dominos Pizza Inc SK 25754A201 923 3,953 SH   SOLE   0 0 3,953
Exxon Corporation SK 30231G102 385 5,157 SH   SOLE   0 0 5,157
General Electric Co. SK 369604103 495 36,707 SH   SOLE   0 0 36,707
Home Depot Inc SK 437076102 227 1,276 SH   SOLE   0 0 1,276
International Business Machines SK 459200101 806 5,256 SH   SOLE   0 0 5,256
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,784 56,048 SH   SOLE   0 0 56,048
Ishares Barclays Tips Bond Fund ET 464287176 9,631 85,195 SH   SOLE   0 0 85,195
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,324 30,176 SH   SOLE   0 0 30,176
Ishares Core US Growth ET 464287671 559 10,225 SH   SOLE   0 0 10,225
Ishares Core US Value ET 464287663 3,542 66,686 SH   SOLE   0 0 66,686
Ishares Goldman Sachs Tech Index ET 464287549 2,185 12,175 SH   SOLE   0 0 12,175
Ishares Lehman Treas Bond 1-3 Year ET 464287457 927 11,094 SH   SOLE   0 0 11,094
Ishares Morningstar Fund Large Core Inde ET 464287127 348 2,267 SH   SOLE   0 0 2,267
Ishares Morningstar Small-Cap Value Etf ET 464288703 258 1,806 SH   SOLE   0 0 1,806
Ishares Msci Canada Idx Fd ET 464286509 251 9,109 SH   SOLE   0 0 9,109
Ishares Msci Emrg Mkt Fd ET 464287234 4,398 91,093 SH   SOLE   0 0 91,093
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 5,888 79,900 SH   SOLE   0 0 79,900
Ishares Pharmaceutical Index Fund ET 464288836 930 6,305 SH   SOLE   0 0 6,305
Ishares Russell Midcap Index Fund ET 464287499 2,050 9,928 SH   SOLE   0 0 9,928
Ishares Russell Midcap Value Index Fund ET 464287473 14,578 168,671 SH   SOLE   0 0 168,671
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,432 15,685 SH   SOLE   0 0 15,685
Ishares S&P Midcap 400 Bar Val ET 464287705 8,138 52,674 SH   SOLE   0 0 52,674
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,783 17,327 SH   SOLE   0 0 17,327
Ishares S&P North Am Fund ET 464287374 1,495 45,173 SH   SOLE   0 0 45,173
Ishares S&P Smallcap Growth ETF ET 464287887 4,216 24,252 SH   SOLE   0 0 24,252
Ishares S&P Smallcap 600 Value ET 464287879 8,333 55,246 SH   SOLE   0 0 55,246
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 4,925 52,793 SH   SOLE   0 0 52,793
Ishares Tr Msci Eafe ET 464287465 3,711 53,260 SH   SOLE   0 0 53,260
Ishares Tr Russell 1000 Growth ET 464287614 924 6,789 SH   SOLE   0 0 6,789
Ishares Tr Russell 1000 Ind ET 464287622 201 1,369 SH   SOLE   0 0 1,369
Ishares Tr Russell 1000 Val ET 464287598 5,737 47,824 SH   SOLE   0 0 47,824
Ishares Tr Russell 2000 Val ET 464287630 2,313 18,980 SH   SOLE   0 0 18,980
Ishares Tr S&P 100 Index ET 464287101 299 2,575 SH   SOLE   0 0 2,575
Ishares Tr S&P 500 Barra Val ET 464287408 7,800 71,338 SH   SOLE   0 0 71,338
Ishares Tr S&P Midcap 400 Ind ET 464287507 9,405 50,140 SH   SOLE   0 0 50,140
Ishares Trust Dow Jones Select Dividend ET 464287168 2,881 30,287 SH   SOLE   0 0 30,287
Ishares Trust S&P 500 Index ET 464287200 6,572 24,766 SH   SOLE   0 0 24,766
J P Morgan & Co. Inc. SK 46625H100 331 3,007 SH   SOLE   0 0 3,007
Johnson & Johnson SK 478160104 3,006 23,458 SH   SOLE   0 0 23,458
Microsoft Corp SK 594918104 271 2,966 SH   SOLE   0 0 2,966
Mid Cap S P D R Trust Unit Ser ET 78467Y107 2,047 5,991 SH   SOLE   0 0 5,991
Omnicom Group Inc SK 681919106 992 13,649 SH   SOLE   0 0 13,649
P J T Partners Inc Cl A SK 69343T107 2,495 49,804 SH   SOLE   0 0 49,804
Paychex Inc SK 704326107 493 8,008 SH   SOLE   0 0 8,008
Pepsico SK 713448108 8,059 73,835 SH   SOLE   0 0 73,835
Pfizer Inc SK 717081103 1,308 36,845 SH   SOLE   0 0 36,845
Pimco Active Bond ETF ET 72201R775 4,334 41,586 SH   SOLE   0 0 41,586
Powershares QQQ Trust, Ser 1 ET 73935A104 916 5,721 SH   SOLE   0 0 5,721
Powershs Ins National Muni Bond ETF ET 73936T474 1,006 40,009 SH   SOLE   0 0 40,009
Powershs Insured NY Muni Bond ETF ET 73936T458 1,106 46,074 SH   SOLE   0 0 46,074
Procter & Gamble Co. SK 742718109 909 11,466 SH   SOLE   0 0 11,466
Proshares Ultra S&P 500 ET 74347R107 3,779 35,827 SH   SOLE   0 0 35,827
S P D R Trust Unit Sr 1 ET 78462F103 1,534 5,830 SH   SOLE   0 0 5,830
Sch Us Mid-Cap Etf ET 808524508 6,203 117,310 SH   SOLE   0 0 117,310
Sch Us Reit Etf ET 808524847 471 12,310 SH   SOLE   0 0 12,310
Schw US Large Cap ETF ET 808524201 1,264 20,034 SH   SOLE   0 0 20,034
Schw Us Brd Mkt Etf ET 808524102 1,411 22,126 SH   SOLE   0 0 22,126
Schw Us Scap Etf ET 808524607 2,731 39,511 SH   SOLE   0 0 39,511
Schwab Intermediate Term Us Trs Etf ET 808524854 637 12,113 SH   SOLE   0 0 12,113
Schwab US Tips ETF ET 808524870 4,339 79,057 SH   SOLE   0 0 79,057
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,881 27,905 SH   SOLE   0 0 27,905
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 265 9,621 SH   SOLE   0 0 9,621
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 1,219 7,742 SH   SOLE   0 0 7,742
Spdr S&P 600 Small Cap ET 78464A813 4,836 36,366 SH   SOLE   0 0 36,366
Spdr S&P Biotech Etf ET 78464A870 2,375 27,069 SH   SOLE   0 0 27,069
Spdr S&P Dividend Etf ET 78464A763 2,828 31,006 SH   SOLE   0 0 31,006
Vanguard Bond Index Fund Intermediate Te ET 921937819 1,968 24,064 SH   SOLE   0 0 24,064
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,124 27,084 SH   SOLE   0 0 27,084
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 3,529 44,992 SH   SOLE   0 0 44,992
Vanguard Div Appreciation ETF ET 921908844 8,951 88,578 SH   SOLE   0 0 88,578
Vanguard Emerging Market ET 922042858 577 12,287 SH   SOLE   0 0 12,287
Vanguard Energy Index ET 92204A306 1,395 15,097 SH   SOLE   0 0 15,097
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 882 6,217 SH   SOLE   0 0 6,217
Vanguard Info Technology ET 92204A702 1,202 7,028 SH   SOLE   0 0 7,028
Vanguard Mid Cap Value ET 922908512 6,441 58,881 SH   SOLE   0 0 58,881
Vanguard Msci Us Sm Cap Growth ET 922908595 7,570 46,172 SH   SOLE   0 0 46,172
Vanguard Reit ET 922908553 2,530 33,525 SH   SOLE   0 0 33,525
Vanguard Small Cap Value ET 922908611 12,115 93,606 SH   SOLE   0 0 93,606
Vanguard Total Bond Market Index ETF ET 921937835 415 5,193 SH   SOLE   0 0 5,193
Vanguard Total Stock Mkt ET 922908769 6,167 45,443 SH   SOLE   0 0 45,443
Vulcan Materials Company SK 929160109 223 1,951 SH   SOLE   0 0 1,951
Wal Mart Stores SK 931142103 838 9,422 SH   SOLE   0 0 9,422
Walt Disney Co Holding Co SK 254687106 2,314 23,038 SH   SOLE   0 0 23,038
Weight Watchers Intl Inc SK 948626106 271 4,257 SH   SOLE   0 0 4,257
XL Capital Limited SK G98294104 262 4,734 SH   SOLE   0 0 4,734