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 1,176 14,901 SH   SOLE   0 0 14,901
Alphabet Inc Class A SK 02079K305 271 233 SH   SOLE   0 0 233
Alphabet Inc Class C SK 02079K107 314 270 SH   SOLE   0 0 270
Amazon Com Inc SK 023135106 1,733 889 SH   SOLE   0 0 889
Analog Devices, Inc. SK 032654105 316 3,530 SH   SOLE   0 0 3,530
Apple Computers SK 037833100 6,272 24,666 SH   SOLE   0 0 24,666
Barclay's Aggregate Bond Index I-Shares ET 464287226 4,140 35,884 SH   SOLE   0 0 35,884
Berkley W R Corporation SK 084423102 2,223 42,602 SH   SOLE   0 0 42,602
Berkshire Hathaway Cl B SK 084670702 1,265 6,917 SH   SOLE   0 0 6,917
Boston Beer Co Inc Cl A Class A SK 100557107 402 1,094 SH   SOLE   0 0 1,094
Canadian Pac Ltd New F SK 13645T100 406 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,069 9,212 SH   SOLE   0 0 9,212
Charter Communications SK 16119P108 842 1,929 SH   SOLE   0 0 1,929
Cisco Systems Inc SK 17275R102 444 11,287 SH   SOLE   0 0 11,287
Dominos Pizza Inc SK 25754A201 1,174 3,623 SH   SOLE   0 0 3,623
Fidelity Msci Real Estate Index Etf ET 316092857 4,233 203,506 SH   SOLE   0 0 203,506
General Electric Co. SK 369604103 162 20,371 SH   SOLE   0 0 20,371
Gilead Sciences Inc SK 375558103 656 8,777 SH   SOLE   0 0 8,777
Hewlett Packard Co SK 428236103 318 18,330 SH   SOLE   0 0 18,330
Home Depot Inc SK 437076102 216 1,157 SH   SOLE   0 0 1,157
Invesco NY Muni AMT Free Mun Bd ETF ET 46138E529 511 20,360 SH   SOLE   0 0 20,360
Invesco National AMT Free Mun Bd ETF ET 46138E537 244 9,444 SH   SOLE   0 0 9,444
Invesco QQQ Trust ET 46090E103 3,070 16,124 SH   SOLE   0 0 16,124
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,499 45,269 SH   SOLE   0 0 45,269
Ishares Barclays Tips Bond Fund ET 464287176 9,657 81,897 SH   SOLE   0 0 81,897
Ishares Core S&P Smallcap ETF 600 ET 464287804 1,780 31,723 SH   SOLE   0 0 31,723
Ishares Core US Growth ET 464287671 501 8,775 SH   SOLE   0 0 8,775
Ishares Core US Value ET 464287663 2,908 62,973 SH   SOLE   0 0 62,973
Ishares Goldman Sachs Tech Index ET 464287549 2,350 11,097 SH   SOLE   0 0 11,097
Ishares Lehman Treas Bond 1-3 Year ET 464287457 721 8,318 SH   SOLE   0 0 8,318
Ishares Morningstar Fund Large Core Inde ET 464287127 268 1,826 SH   SOLE   0 0 1,826
Ishares Msci Emrg Mkt Fd ET 464287234 3,002 87,955 SH   SOLE   0 0 87,955
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 9,884 159,301 SH   SOLE   0 0 159,301
Ishares Pharmaceutical Index Fund ET 464288836 523 3,890 SH   SOLE   0 0 3,890
Ishares Russell Midcap Index Fund ET 464287499 1,741 40,320 SH   SOLE   0 0 40,320
Ishares Russell Midcap Value Index Fund ET 464287473 10,609 165,528 SH   SOLE   0 0 165,528
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,418 14,651 SH   SOLE   0 0 14,651
Ishares S&P Midcap 400 Bar Val ET 464287705 5,294 48,235 SH   SOLE   0 0 48,235
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 2,869 16,077 SH   SOLE   0 0 16,077
Ishares S&P North Am Fund ET 464287374 644 38,706 SH   SOLE   0 0 38,706
Ishares S&P Smallcap Growth ETF ET 464287887 3,011 21,843 SH   SOLE   0 0 21,843
Ishares S&P Smallcap 600 Value ET 464287879 5,250 52,535 SH   SOLE   0 0 52,535
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 4,781 52,208 SH   SOLE   0 0 52,208
Ishares Tr Msci Eafe ET 464287465 2,839 53,103 SH   SOLE   0 0 53,103
Ishares Tr Russell 1000 Growth ET 464287614 702 4,661 SH   SOLE   0 0 4,661
Ishares Tr Russell 1000 Ind ET 464287622 200 1,415 SH   SOLE   0 0 1,415
Ishares Tr Russell 1000 Val ET 464287598 2,655 26,769 SH   SOLE   0 0 26,769
Ishares Tr Russell 2000 Val ET 464287630 1,294 15,770 SH   SOLE   0 0 15,770
Ishares Tr S&P 100 Index ET 464287101 311 2,624 SH   SOLE   0 0 2,624
Ishares Tr S&P 500 Barra Val ET 464287408 5,463 56,760 SH   SOLE   0 0 56,760
Ishares Tr S&P Midcap 400 Ind ET 464287507 7,417 51,555 SH   SOLE   0 0 51,555
Ishares Trust Dow Jones Select Dividend ET 464287168 1,179 16,035 SH   SOLE   0 0 16,035
Ishares Trust S&P 500 Index ET 464287200 7,230 27,981 SH   SOLE   0 0 27,981
Ishares Yield Optimized Bond Etf ET 46434V787 2,853 115,707 SH   SOLE   0 0 115,707
J P Morgan & Co. Inc. SK 46625H100 202 2,243 SH   SOLE   0 0 2,243
Johnson & Johnson SK 478160104 1,956 14,918 SH   SOLE   0 0 14,918
Microsoft Corp SK 594918104 561 3,557 SH   SOLE   0 0 3,557
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,506 5,729 SH   SOLE   0 0 5,729
Moodys Corp SK 615369105 711 3,364 SH   SOLE   0 0 3,364
Omnicom Group Inc SK 681919106 463 8,433 SH   SOLE   0 0 8,433
P J T Partners Inc Cl A SK 69343T107 2,617 60,321 SH   SOLE   0 0 60,321
Paychex Inc SK 704326107 511 8,117 SH   SOLE   0 0 8,117
Pepsico SK 713448108 6,123 50,983 SH   SOLE   0 0 50,983
Pfizer Inc SK 717081103 1,334 40,875 SH   SOLE   0 0 40,875
Pimco Active Bond ETF ET 72201R775 2,127 20,036 SH   SOLE   0 0 20,036
Procter & Gamble Co. SK 742718109 1,247 11,340 SH   SOLE   0 0 11,340
Proshares Ultra S&P 500 ET 74347R107 3,152 35,453 SH   SOLE   0 0 35,453
S P D R Trust Unit Sr 1 ET 78462F103 1,443 5,597 SH   SOLE   0 0 5,597
Sch US Reit ETF ET 808524847 295 8,996 SH   SOLE   0 0 8,996
Sch Us Mid-Cap Etf ET 808524508 6,665 158,099 SH   SOLE   0 0 158,099
Schw US Large Cap ETF ET 808524201 1,832 29,910 SH   SOLE   0 0 29,910
Schw Us Brd Mkt Etf ET 808524102 991 16,399 SH   SOLE   0 0 16,399
Schw Us Scap Etf ET 808524607 2,298 44,602 SH   SOLE   0 0 44,602
Schwab Emerging Markets Equity Etf ET 808524706 2,351 113,650 SH   SOLE   0 0 113,650
Schwab Intermediate Term Us Trs Etf ET 808524854 709 12,060 SH   SOLE   0 0 12,060
Schwab US Lg Cap Growth ETF ET 808524300 412 5,168 SH   SOLE   0 0 5,168
Schwab US Tips ETF ET 808524870 7,634 132,740 SH   SOLE   0 0 132,740
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 806 27,735 SH   SOLE   0 0 27,735
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 1,040 24,289 SH   SOLE   0 0 24,289
Spdr S&P 600 Small Cap ET 78464A813 3,325 68,660 SH   SOLE   0 0 68,660
Spdr S&P Biotech Etf ET 78464A870 2,053 26,511 SH   SOLE   0 0 26,511
Spdr S&P Dividend Etf ET 78464A763 2,122 26,574 SH   SOLE   0 0 26,574
Vanguard Bond Index Fund Intermediate Te ET 921937819 5,978 66,918 SH   SOLE   0 0 66,918
Vanguard Bond Index Short Term Bond ETF ET 921937827 838 10,195 SH   SOLE   0 0 10,195
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 5,429 68,640 SH   SOLE   0 0 68,640
Vanguard Div Appreciation ETF ET 921908844 9,262 89,581 SH   SOLE   0 0 89,581
Vanguard Emerging Market ET 922042858 443 13,212 SH   SOLE   0 0 13,212
Vanguard Energy Index ET 92204A306 587 15,348 SH   SOLE   0 0 15,348
Vanguard Ftse Developed Markets Etf ET 921943858 261 7,835 SH   SOLE   0 0 7,835
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 945 6,029 SH   SOLE   0 0 6,029
Vanguard Info Technology ET 92204A702 1,487 7,016 SH   SOLE   0 0 7,016
Vanguard Mid Cap ET 922908629 1,669 12,674 SH   SOLE   0 0 12,674
Vanguard Mid Cap Growth Etf ET 922908538 1,384 10,924 SH   SOLE   0 0 10,924
Vanguard Mid Cap Value ET 922908512 6,255 76,947 SH   SOLE   0 0 76,947
Vanguard Msci Us Sm Cap Growth ET 922908595 9,454 62,901 SH   SOLE   0 0 62,901
Vanguard Reit ET 922908553 2,463 35,265 SH   SOLE   0 0 35,265
Vanguard Small Cap ETF ET 922908751 3,209 27,797 SH   SOLE   0 0 27,797
Vanguard Small Cap Value ET 922908611 11,582 130,426 SH   SOLE   0 0 130,426
Vanguard Total Intl ETF ET 921909768 458 10,921 SH   SOLE   0 0 10,921
Vanguard Total Stock Mkt ET 922908769 6,395 49,609 SH   SOLE   0 0 49,609
Wal Mart Stores SK 931142103 906 7,971 SH   SOLE   0 0 7,971
Walt Disney Co Holding Co SK 254687106 2,308 23,891 SH   SOLE   0 0 23,891