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
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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
A F L A C Inc COM 001055102 1,647 20,240 SH   SOLE NONE 0 0 20,240
Aegon Nv Cap NY REGISTRY SH 007924103 1,195 46,150 SH   SOLE NONE 0 0 46,150
Amazon Com Inc COM 023135106 4,388 4,564 SH   SOLE NONE 0 0 4,564
Amer Electric Pwr Co Inc COM 025537101 700 9,969 SH   SOLE NONE 0 0 9,969
American Express Co COM 025816109 601 6,639 SH   SOLE NONE 0 0 6,639
American Intl Group COM NEW 026874784 945 15,397 SH   SOLE NONE 0 0 15,397
Amerigas Partners UNIT L P INT 030975106 440 9,788 SH   SOLE NONE 0 0 9,788
Amgen Incorporated COM 031162100 716 3,840 SH   SOLE NONE 0 0 3,840
Anthem Inc COM 036752103 581 3,059 SH   SOLE NONE 0 0 3,059
Apple Inc COM 037833100 9,553 61,982 SH   SOLE NONE 0 0 61,982
Bb&T Corporation COM 054937107 1,559 33,215 SH   SOLE NONE 0 0 33,215
Bank Of America Corp COM 060505104 2,251 88,824 SH   SOLE NONE 0 0 88,824
Bank Of America 7.25%CNV PFD L 060505682 2,420 1,860 SH   SOLE NONE 0 0 1,860
Berkshire Hathaway CL B NEW 084670702 2,349 12,811 SH   SOLE NONE 0 0 12,811
Boeing Co COM 097023105 541 2,128 SH   SOLE NONE 0 0 2,128
Bridge Bancorp Inc COM 108035106 339 9,990 SH   SOLE NONE 0 0 9,990
Bristol-Myers Squibb COM 110122108 2,338 36,674 SH   SOLE NONE 0 0 36,674
Cvs Health Corp COM 126650100 899 11,050 SH   SOLE NONE 0 0 11,050
Carnival Corp New UNIT 99/99/9999 143658300 622 9,627 SH   SOLE NONE 0 0 9,627
Celgene Corp COM 151020104 912 6,252 SH   SOLE NONE 0 0 6,252
Citigroup Inc COM NEW 172967424 2,257 31,032 SH   SOLE NONE 0 0 31,032
Coca Cola Company COM 191216100 790 17,563 SH   SOLE NONE 0 0 17,563
Consolidated Edison COM 209115104 1,494 18,519 SH   SOLE NONE 0 0 18,519
Credit Suisse Asset Mana COM 224916106 303 89,377 SH   SOLE NONE 0 0 89,377
Delta Air Lines Inc New COM NEW 247361702 957 19,845 SH   SOLE NONE 0 0 19,845
Walt Disney Co COM DISNEY 254687106 1,115 11,309 SH   SOLE NONE 0 0 11,309
Emerson Electric Co COM 291011104 684 10,888 SH   SOLE NONE 0 0 10,888
Enterprise Prd Prtnrs COM 293792107 1,158 44,413 SH   SOLE NONE 0 0 44,413
General Dynamics Co COM 369550108 833 4,054 SH   SOLE NONE 0 0 4,054
General Electric Co COM 369604103 3,041 125,750 SH   SOLE NONE 0 0 125,750
General Mills Inc COM 370334104 696 13,450 SH   SOLE NONE 0 0 13,450
Gilead Sciences Inc COM 375558103 1,073 13,246 SH   SOLE NONE 0 0 13,246
Hsbc Holdings SPON ADR NEW 404280406 1,936 70,985 SH   SOLE NONE 0 0 70,985
Hsbc Hldgs Plc SPON ADR NEW 404280406 3,362 68,050 SH   SOLE NONE 0 0 68,050
Hartford Finl Svc Gp COM 416515104 462 8,332 SH   SOLE NONE 0 0 8,332
Heico Corp CL A 422806208 1,443 18,932 SH   SOLE NONE 0 0 18,932
Home Depot Inc COM 437076102 6,142 37,554 SH   SOLE NONE 0 0 37,554
Honeywell International COM 438516106 717 5,057 SH   SOLE NONE 0 0 5,057
Ing Groep Nv SPONSORED ADR 456837103 1,717 66,207 SH   SOLE NONE 0 0 66,207
Intel Corp COM 458140100 1,155 30,332 SH   SOLE NONE 0 0 30,332
Ibm Corp COM 459200101 300 2,069 SH   SOLE NONE 0 0 2,069
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 470 3,762 SH   SOLE NONE 0 0 3,762
Ishares Tr Russell RUS 1000 ETF 464287622 443 3,164 SH   SOLE NONE 0 0 3,164
Ishares Core S&P Small CORE S&P SCP ETF 464287804 298 4,015 SH   SOLE NONE 0 0 4,015
Ishares S&P U S Pfd Fund S&P US PFD STK 464288687 437 11,255 SH   SOLE NONE 0 0 11,255
Jetblue Airways Corp COM 477143101 1,461 78,850 SH   SOLE NONE 0 0 78,850
Johnson & Johnson COM 478160104 7,261 55,851 SH   SOLE NONE 0 0 55,851
Kimberly-Clark Corp COM 494368103 911 7,742 SH   SOLE NONE 0 0 7,742
Kraft Heinz Company COM 500754106 1,511 19,478 SH   SOLE NONE 0 0 19,478
Eli Lillyi & Company COM 532457108 430 5,023 SH   SOLE NONE 0 0 5,023
Lockheed Martin Corp COM 539830109 372 1,199 SH   SOLE NONE 0 0 1,199
Microsoft Corp COM 594918104 5,606 75,257 SH   SOLE NONE 0 0 75,257
New York Cmnty Banco COM 649445103 182 14,125 SH   SOLE NONE 0 0 14,125
Nucor Corp COM 670346105 425 7,585 SH   SOLE NONE 0 0 7,585
Nuveen Ny Amt Free Muni COM 670656107 578 43,763 SH   SOLE NONE 0 0 43,763
Nuveen Amt Free Quality COM 670657105 908 65,573 SH   SOLE NONE 0 0 65,573
Owens Corning Inc COM 690742101 774 10,000 SH   SOLE NONE 0 0 10,000
Pepsico Incorporated COM 713448108 1,426 12,793 SH   SOLE NONE 0 0 12,793
Pfizer Incorporated COM 717081103 2,883 80,761 SH   SOLE NONE 0 0 80,761
Philip Morris Intl COM 718172109 972 8,754 SH   SOLE NONE 0 0 8,754
Phillips COM 718546104 2,443 26,665 SH   SOLE NONE 0 0 26,665
Procter & Gamble COM 742718109 3,042 33,431 SH   SOLE NONE 0 0 33,431
Prudential Financial Inc COM 744320102 1,386 13,038 SH   SOLE NONE 0 0 13,038
Qualcomm Inc COM 747525103 213 4,115 SH   SOLE NONE 0 0 4,115
Raytheon Company COM NEW 755111507 240 1,285 SH   SOLE NONE 0 0 1,285
Schlumberger Ltd COM 806857108 334 4,781 SH   SOLE NONE 0 0 4,781
Charles Schwab Corp COM 808513105 703 16,076 SH   SOLE NONE 0 0 16,076
Schwab US Broad Market US BRD MKT ETF 808524102 13,503 221,685 SH   SOLE NONE 0 0 221,685
Schwab US Large Cap US LCAP GR ETF 808524300 244 3,689 SH   SOLE NONE 0 0 3,689
Schwab Emerging Markets EMRG MKTEQ ETF 808524706 219 8,146 SH   SOLE NONE 0 0 8,146
Schwab Fundamental US SCHWAB FDT US SC 808524763 2,673 73,677 SH   SOLE NONE 0 0 73,677
Schwab US Dividend US DIVIDEND EQ 808524797 548 11,712 SH   SOLE NONE 0 0 11,712
Schwab International INTL EQTY ETF 808524805 3,032 90,592 SH   SOLE NONE 0 0 90,592
Schwab US Tips Etf US TIPS ETF 808524870 2,079 37,628 SH   SOLE NONE 0 0 37,628
Southern Company COM 842587107 339 6,891 SH   SOLE NONE 0 0 6,891
Stanley Black & Decker COM 854502101 246 1,630 SH   SOLE NONE 0 0 1,630
Starbucks Corp COM 855244109 525 9,776 SH   SOLE NONE 0 0 9,776
Thermo Fisher Scntfc COM 883556102 1,330 7,027 SH   SOLE NONE 0 0 7,027
Timken Company COM 887389104 297 6,123 SH   SOLE NONE 0 0 6,123
Trupanion Inc COM 898202106 423 16,000 SH   SOLE NONE 0 0 16,000
Unilever Plc Adr New SPON ADR NEW 904767704 475 8,199 SH   SOLE NONE 0 0 8,199
Unilever N V N Y SHS NEW 904784709 266 4,508 SH   SOLE NONE 0 0 4,508
United Contl Hldgs Inc COM 910047109 1,371 22,520 SH   SOLE NONE 0 0 22,520
United Parcel Srvc CL B 911312106 1,593 13,263 SH   SOLE NONE 0 0 13,263
United Technologies Corp COM 913017109 509 4,385 SH   SOLE NONE 0 0 4,385
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 276 2,610 SH   SOLE NONE 0 0 2,610
Vanguard Large Cap Etf LARGE CAP ETF 922908637 375 3,253 SH   SOLE NONE 0 0 3,253
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 426 3,291 SH   SOLE NONE 0 0 3,291
Weingarten Rlty Invs Sbi SH BEN INT 948741103 348 10,950 SH   SOLE NONE 0 0 10,950
Wells Fargo & Co COM 949746101 1,930 34,998 SH   SOLE NONE 0 0 34,998
Wells Fargo L PERP PFD CNV A 949746804 987 751 SH   SOLE NONE 0 0 751
Weyerhaeuser Co COM 962166104 1,080 31,729 SH   SOLE NONE 0 0 31,729
Travelers Companies Inc COM 89417E109 1,099 8,973 SH   SOLE NONE 0 0 8,973
Hanesbrands Inc COM 410345102 420 17,033 SH   SOLE NONE 0 0 17,033
A T & T Inc COM 00206R102 7,797 199,065 SH   SOLE NONE 0 0 199,065
Abbvie Inc COM 00287Y109 4,172 46,945 SH   SOLE NONE 0 0 46,945
Alibaba Group Hldg SPONSORED ADS 01609W102 611 3,536 SH   SOLE NONE 0 0 3,536
Alphabet Inc CAP STK CL C 02079K107 551 574 SH   SOLE NONE 0 0 574
Alphabet Inc CAP STK CL A 02079K305 4,386 4,504 SH   SOLE NONE 0 0 4,504
Altria Group Inc COM 02209S103 1,585 24,994 SH   SOLE NONE 0 0 24,994
Barclays Bk ADR PFD SR 5 06739H362 759 28,600 SH   SOLE NONE 0 0 28,600
Brighthouse Financia COM 10922N103 416 6,834 SH   SOLE NONE 0 0 6,834
Cisco Systems Inc COM 17275R102 2,077 61,774 SH   SOLE NONE 0 0 61,774
Comcast Corporation CL A 20030N101 799 20,770 SH   SOLE NONE 0 0 20,770
Compass Minerals Int COM 20451N101 331 5,094 SH   SOLE NONE 0 0 5,094
Dowdupont Inc COM 26078J100 3,956 57,147 SH   SOLE NONE 0 0 57,147
Duke Energy Corp New COM NEW 26441C204 2,935 34,970 SH   SOLE NONE 0 0 34,970
Eaton Vance Insured COM 27827Y109 225 17,369 SH   SOLE NONE 0 0 17,369
Eaton Vance Limited Dura COM 27828H105 504 35,903 SH   SOLE NONE 0 0 35,903
Exxon Mobil Corp COM 30231G102 702 8,566 SH   SOLE NONE 0 0 8,566
Facebook Inc CL A 30303M102 3,557 20,818 SH   SOLE NONE 0 0 20,818
Fedex Corporation COM 31428X106 568 2,518 SH   SOLE NONE 0 0 2,518
Glaxosmithkline Plc SPONSORED ADR 37733W105 269 6,615 SH   SOLE NONE 0 0 6,615
Goldman Sachs Group Inc COM 38141G104 1,468 6,188 SH   SOLE NONE 0 0 6,188
Jpmorgan Chase & Co COM 46625H100 2,821 29,538 SH   SOLE NONE 0 0 29,538
Marathon Pete Corp COM 56585A102 237 4,232 SH   SOLE NONE 0 0 4,232
Mastercard Inc CL A 57636Q104 1,122 7,946 SH   SOLE NONE 0 0 7,946
Merck & Co Inc COM 58933Y105 2,614 40,832 SH   SOLE NONE 0 0 40,832
Metlife Inc COM 59156R108 4,164 80,147 SH   SOLE NONE 0 0 80,147
Neuberger Bermn Real Est COM 64190A103 358 63,862 SH   SOLE NONE 0 0 63,862
Nuveen Municipal Credit COM SH BEN INT 67070X101 672 44,204 SH   SOLE NONE 0 0 44,204
Oracle Corporation COM 68389X105 546 11,283 SH   SOLE NONE 0 0 11,283
Pimco Total Return ACTIVE BD ETF 72201R775 4,311 40,377 SH   SOLE NONE 0 0 40,377
Pimco Intrmediate Muni INTER MUN BD ACT 72201R866 209 3,884 SH   SOLE NONE 0 0 3,884
Powershares QQQ TRUST UNIT SER 1 73935A104 4,948 34,020 SH   SOLE NONE 0 0 34,020
Powershares S&P 500 Low S&P500 LOW VOL 73937B779 3,673 80,214 SH   SOLE NONE 0 0 80,214
Rowe T Price Group Inc COM 74144T108 607 6,700 SH   SOLE NONE 0 0 6,700
Rocky Mtn Choc Fact New COM 77467X101 177 15,013 SH   SOLE NONE 0 0 15,013
Guggenheim Etf GUG S&P500EQWTTE 78355W817 332 2,460 SH   SOLE NONE 0 0 2,460
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 3,710 25,161 SH   SOLE NONE 0 0 25,161
Spdr Fund Consumer SBI CONS STPLS 81369Y308 746 13,818 SH   SOLE NONE 0 0 13,818
Spdr Fund Consumer SBI CONS DISCR 81369Y407 355 3,937 SH   SOLE NONE 0 0 3,937
Technology Select Sector TECHNOLOGY 81369Y803 839 14,198 SH   SOLE NONE 0 0 14,198
Spectra Energy Partn COM 84756N109 438 9,880 SH   SOLE NONE 0 0 9,880
3m Company COM 88579Y101 2,278 10,852 SH   SOLE NONE 0 0 10,852
22nd Centy Group Inc COM 90137F103 85 30,800 SH   SOLE NONE 0 0 30,800
Unitedhealth Grp Inc COM 91324P102 501 2,556 SH   SOLE NONE 0 0 2,556
Vanguard Info Technology INF TECH ETF 92204A702 339 2,232 SH   SOLE NONE 0 0 2,232
Ventas Inc COM 92276F100 552 8,474 SH   SOLE NONE 0 0 8,474
Verizon Communicatn COM 92343V104 5,977 120,775 SH   SOLE NONE 0 0 120,775
Visa Inc COM CL A 92826C839 4,482 42,592 SH   SOLE NONE 0 0 42,592
Waste Management Inc Del COM 94106L109 3,568 45,585 SH   SOLE NONE 0 0 45,585
Deutsche Bank NAMEN AKT D18190898 1,645 64,324 SH   SOLE NONE 0 0 64,324
Eaton Corp Plc SHS G29183103 823 10,720 SH   SOLE NONE 0 0 10,720
Johnson Ctls Intl SHS G51502105 332 8,246 SH   SOLE NONE 0 0 8,246
Chubb Ltd COM H1467J104 423 2,965 SH   SOLE NONE 0 0 2,965