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 1,106 15,297 SH   SOLE   0 0 15,297
Abbvie Inc SK 00287Y109 920 9,976 SH   SOLE   0 0 9,976
Alphabet Inc Class A SK 02079K305 243 233 SH   SOLE   0 0 233
Alphabet Inc Class C SK 02079K107 280 270 SH   SOLE   0 0 270
Amazon Com Inc SK 023135106 676 450 SH   SOLE   0 0 450
Analog Devices, Inc. SK 032654105 295 3,440 SH   SOLE   0 0 3,440
Apple Computers SK 037833100 3,838 24,330 SH   SOLE   0 0 24,330
Assurant Inc SK 04621X108 259 2,900 SH   SOLE   0 0 2,900
Barclay's Aggregate Bond Index I-Shares ET 464287226 3,798 35,663 SH   SOLE   0 0 35,663
Berkley W R Corporation SK 084423102 2,505 33,898 SH   SOLE   0 0 33,898
Berkshire Hathaway Cl B SK 084670702 1,155 5,658 SH   SOLE   0 0 5,658
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 612 200 SH   SOLE   0 0 200
Boston Beer Co Inc Cl A Class A SK 100557107 263 1,094 SH   SOLE   0 0 1,094
CBS Corporation Cl B SK 124857202 282 6,458 SH   SOLE   0 0 6,458
Canadian Pac Ltd New F SK 13645T100 329 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,210 9,521 SH   SOLE   0 0 9,521
Charter Communications SK 16119P108 431 1,511 SH   SOLE   0 0 1,511
Chevrontexaco SK 166764100 228 2,096 SH   SOLE   0 0 2,096
Cisco Systems Inc SK 17275R102 565 13,049 SH   SOLE   0 0 13,049
Darden Restaurants SK 237194105 201 2,017 SH   SOLE   0 0 2,017
Dominos Pizza Inc SK 25754A201 515 2,078 SH   SOLE   0 0 2,078
Exxon Corporation SK 30231G102 336 4,927 SH   SOLE   0 0 4,927
General Electric Co. SK 369604103 272 35,866 SH   SOLE   0 0 35,866
International Business Machines SK 459200101 624 5,488 SH   SOLE   0 0 5,488
Invesco NY Muni AMT Free Mun Bd ETF ET 73936T458 237 9,978 SH   SOLE   0 0 9,978
Invesco National AMT Free Mun Bd ETF ET 73936T474 361 14,446 SH   SOLE   0 0 14,446
Invesco QQQ Trust ET 73935A104 1,327 8,601 SH   SOLE   0 0 8,601
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 4,666 44,776 SH   SOLE   0 0 44,776
Ishares Barclays Tips Bond Fund ET 464287176 9,307 84,991 SH   SOLE   0 0 84,991
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,070 29,855 SH   SOLE   0 0 29,855
Ishares Core US Growth ET 464287671 457 8,678 SH   SOLE   0 0 8,678
Ishares Core US Value ET 464287663 3,334 67,916 SH   SOLE   0 0 67,916
Ishares Goldman Sachs Tech Index ET 464287549 2,033 11,841 SH   SOLE   0 0 11,841
Ishares Lehman Treas Bond 1-3 Year ET 464287457 748 8,945 SH   SOLE   0 0 8,945
Ishares Morningstar Fund Large Core Inde ET 464287127 328 2,299 SH   SOLE   0 0 2,299
Ishares Morningstar Small-Cap Value Etf ET 464288703 219 1,776 SH   SOLE   0 0 1,776
Ishares Msci Canada Idx Fd ET 464286509 213 8,909 SH   SOLE   0 0 8,909
Ishares Msci Emrg Mkt Fd ET 464287234 3,615 92,538 SH   SOLE   0 0 92,538
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 5,721 85,819 SH   SOLE   0 0 85,819
Ishares Pharmaceutical Index Fund ET 464288836 895 6,357 SH   SOLE   0 0 6,357
Ishares Russell Midcap Index Fund ET 464287499 1,871 40,245 SH   SOLE   0 0 40,245
Ishares Russell Midcap Value Index Fund ET 464287473 12,740 166,863 SH   SOLE   0 0 166,863
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,301 15,271 SH   SOLE   0 0 15,271
Ishares S&P Midcap 400 Bar Val ET 464287705 7,172 51,841 SH   SOLE   0 0 51,841
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,165 16,548 SH   SOLE   0 0 16,548
Ishares S&P North Am Fund ET 464287374 1,196 43,990 SH   SOLE   0 0 43,990
Ishares S&P Smallcap Growth ETF ET 464287887 3,835 23,771 SH   SOLE   0 0 23,771
Ishares S&P Smallcap 600 Value ET 464287879 7,193 54,553 SH   SOLE   0 0 54,553
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,090 53,188 SH   SOLE   0 0 53,188
Ishares Tr Msci Eafe ET 464287465 3,190 54,265 SH   SOLE   0 0 54,265
Ishares Tr Russell 1000 Growth ET 464287614 722 5,515 SH   SOLE   0 0 5,515
Ishares Tr Russell 1000 Val ET 464287598 5,238 47,167 SH   SOLE   0 0 47,167
Ishares Tr Russell 2000 Val ET 464287630 2,062 19,175 SH   SOLE   0 0 19,175
Ishares Tr S&P 100 Index ET 464287101 289 2,595 SH   SOLE   0 0 2,595
Ishares Tr S&P 500 Barra Val ET 464287408 7,132 70,515 SH   SOLE   0 0 70,515
Ishares Tr S&P Midcap 400 Ind ET 464287507 8,213 49,456 SH   SOLE   0 0 49,456
Ishares Trust Dow Jones Select Dividend ET 464287168 2,701 30,243 SH   SOLE   0 0 30,243
Ishares Trust S&P 500 Index ET 464287200 6,807 27,055 SH   SOLE   0 0 27,055
J P Morgan & Co. Inc. SK 46625H100 262 2,681 SH   SOLE   0 0 2,681
Johnson & Johnson SK 478160104 3,057 23,692 SH   SOLE   0 0 23,692
Microsoft Corp SK 594918104 330 3,253 SH   SOLE   0 0 3,253
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,751 5,784 SH   SOLE   0 0 5,784
Omnicom Group Inc SK 681919106 997 13,618 SH   SOLE   0 0 13,618
P J T Partners Inc Cl A SK 69343T107 1,834 47,305 SH   SOLE   0 0 47,305
Paychex Inc SK 704326107 535 8,205 SH   SOLE   0 0 8,205
Pepsico SK 713448108 6,141 55,582 SH   SOLE   0 0 55,582
Pfizer Inc SK 717081103 1,935 44,328 SH   SOLE   0 0 44,328
Pimco Active Bond ETF ET 72201R775 2,065 20,091 SH   SOLE   0 0 20,091
Procter & Gamble Co. SK 742718109 1,043 11,342 SH   SOLE   0 0 11,342
Proshares Ultra S&P 500 ET 74347R107 3,190 34,366 SH   SOLE   0 0 34,366
S P D R Trust Unit Sr 1 ET 78462F103 1,484 5,938 SH   SOLE   0 0 5,938
Sch Us Mid-Cap Etf ET 808524508 6,044 126,094 SH   SOLE   0 0 126,094
Sch Us Reit Etf ET 808524847 489 12,691 SH   SOLE   0 0 12,691
Schw US Large Cap ETF ET 808524201 1,228 20,577 SH   SOLE   0 0 20,577
Schw Us Brd Mkt Etf ET 808524102 1,320 22,024 SH   SOLE   0 0 22,024
Schw Us Scap Etf ET 808524607 2,439 40,200 SH   SOLE   0 0 40,200
Schwab Intermediate Term Us Trs Etf ET 808524854 637 12,033 SH   SOLE   0 0 12,033
Schwab US Tips ETF ET 808524870 4,410 82,814 SH   SOLE   0 0 82,814
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,621 28,269 SH   SOLE   0 0 28,269
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 232 9,719 SH   SOLE   0 0 9,719
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 1,075 23,443 SH   SOLE   0 0 23,443
Spdr S&P 600 Small Cap ET 78464A813 4,330 72,206 SH   SOLE   0 0 72,206
Spdr S&P Biotech Etf ET 78464A870 1,923 26,796 SH   SOLE   0 0 26,796
Spdr S&P Dividend Etf ET 78464A763 2,824 31,550 SH   SOLE   0 0 31,550
Vanguard Bond Index Fund Intermediate Te ET 921937819 1,355 16,664 SH   SOLE   0 0 16,664
Vanguard Bond Index Short Term Bond ETF ET 921937827 829 10,549 SH   SOLE   0 0 10,549
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 1,726 22,142 SH   SOLE   0 0 22,142
Vanguard Div Appreciation ETF ET 921908844 8,406 85,821 SH   SOLE   0 0 85,821
Vanguard Emerging Market ET 922042858 480 12,598 SH   SOLE   0 0 12,598
Vanguard Energy Index ET 92204A306 1,166 15,119 SH   SOLE   0 0 15,119
Vanguard Ftse Developed Markets Etf ET 921943858 245 6,605 SH   SOLE   0 0 6,605
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 852 6,343 SH   SOLE   0 0 6,343
Vanguard Info Technology ET 92204A702 1,177 7,055 SH   SOLE   0 0 7,055
Vanguard Mid Cap Value ET 922908512 6,021 63,207 SH   SOLE   0 0 63,207
Vanguard Msci Us Sm Cap Growth ET 922908595 6,761 44,894 SH   SOLE   0 0 44,894
Vanguard Reit ET 922908553 2,602 34,893 SH   SOLE   0 0 34,893
Vanguard Small Cap ETF ET 922908751 587 4,445 SH   SOLE   0 0 4,445
Vanguard Small Cap Value ET 922908611 11,545 101,222 SH   SOLE   0 0 101,222
Vanguard Total Stock Mkt ET 922908769 5,787 45,346 SH   SOLE   0 0 45,346
Wal Mart Stores SK 931142103 893 9,589 SH   SOLE   0 0 9,589
Walt Disney Co Holding Co SK 254687106 2,493 22,740 SH   SOLE   0 0 22,740