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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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
FORD MOTOR COM COM 345370860 1,161 77,317 SH   SOLE   0 0 77,317
GENERAL ELECTRIC CO COM COM 369604103 989 37,233 SH   SOLE   0 0 37,233
GILEAD SCIENCES INC COM COM 375558103 317 2,709 SH   SOLE   0 0 2,709
INTEL CORP COM COM 458140100 461 15,167 SH   SOLE   0 0 15,167
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 2,757 24,217 SH   SOLE   0 0 24,217
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 2,126 23,051 SH   SOLE   0 0 23,051
MICROSOFT CORP COM COM 594918104 723 16,373 SH   SOLE   0 0 16,373
MORGAN STANLEY COM COM 617446448 258 6,644 SH   SOLE   0 0 6,644
SELECT SECTOR SPDR TRUST FINAN SBI INT-FINL 81369Y605 3,283 134,666 SH   SOLE   0 0 134,666
SELECT SECTOR SPDR TRUST HEALT SBI HEALTHCARE 81369Y209 3,008 40,438 SH   SOLE   0 0 40,438
UNITEDHEALTH GROUP INC COM COM 91324P102 233 1,910 SH   SOLE   0 0 1,910
VANGUARD HIGH DIVIDEND YIELD E HIGH DIV YLD 921946406 3,015 44,786 SH   SOLE   0 0 44,786
ALPS ETF TRUST ALERIAN MLP ALERIAN MLP 00162Q866 482 30,954 SH   SOLE   0 0 30,954
AMAZON.COM INC COM COM 023135106 435 1,001 SH   SOLE   0 0 1,001
APPLE INC COM COM 037833100 298 2,374 SH   SOLE   0 0 2,374
AT&T INC COM COM 00206R102 1,311 36,906 SH   SOLE   0 0 36,906
BOEING CO COM COM 097023105 735 5,296 SH   SOLE   0 0 5,296
CENTURYLINK INC COM COM 156700106 374 12,734 SH   SOLE   0 0 12,734
CISCO SYSTEMS INC COM COM 17275R102 670 24,386 SH   SOLE   0 0 24,386
COMMUNITY BANK SYSTEM INC COM COM 203607106 712 18,839 SH   SOLE   0 0 18,839
DOW CHEMICAL COM COM 260543103 426 8,333 SH   SOLE   0 0 8,333
DU PONT E I DE NEMOURS & CO CO COM 263534109 515 8,060 SH   SOLE   0 0 8,060
DUKE ENERGY HOLDINGS CORP COM COM 26441C204 438 6,200 SH   SOLE   0 0 6,200
ELI LILLY & CO COM COM 532457108 412 4,937 SH   SOLE   0 0 4,937
EMERSON ELEC CO COM COM 291011104 661 11,924 SH   SOLE   0 0 11,924
GENUINE PARTS CO COM COM 372460105 510 5,700 SH   SOLE   0 0 5,700
HEALTH CARE REIT INC COM COM 42217K106 237 3,615 SH   SOLE   0 0 3,615
ISHARES S&P 100 ETF S&P 100 ETF 464287101 398 4,378 SH   SOLE   0 0 4,378
JOHNSON & JOHNSON COM COM 478160104 487 5,000 SH   SOLE   0 0 5,000
JP MORGAN CHASE & CO COM COM 46625H100 213 3,140 SH   SOLE   0 0 3,140
KIMBERLY CLARK CORP COM COM 494368103 360 3,400 SH   SOLE   0 0 3,400
KRAFT FOODS GROUP INC CSH&STK COM 50076Q106 425 4,986 SH   SOLE   0 0 4,986
MCDONALDS CORP COM COM 580135101 226 2,376 SH   SOLE   0 0 2,376
NEW YORK COMMUNITY BANCORP COM COM 649445103 1,745 94,925 SH   SOLE   0 0 94,925
NEXTERA ENERGY INC COM COM 65339F101 355 3,625 SH   SOLE   0 0 3,625
PLUM CREEK TIMBER CO INC COM COM 729251108 590 14,551 SH   SOLE   0 0 14,551
POWERSHARES QQQ UNIT SER 1 73935A104 209 1,952 SH   SOLE   0 0 1,952
PPG INDUSTRIES INC COM COM 693506107 585 5,098 SH   SOLE   0 0 5,098
PROCTER GAMBLE CO COM COM 742718109 662 8,460 SH   SOLE   0 0 8,460
REALTY INCOME CORPORATION COM COM 756109104 404 9,091 SH   SOLE   0 0 9,091
ROBERT HALF INTL INC COM COM 770323103 1,880 33,876 SH   SOLE   0 0 33,876
UMPQUA HOLDINGS CORP COM COM 904214103 664 36,899 SH   SOLE   0 0 36,899
UNITED PARCEL SERVICE CL B CL B 911312106 32,281 333,100 SH   SOLE   0 0 333,100
VERIZON COMMUNICATIONS COM COM 92343V104 579 12,415 SH   SOLE   0 0 12,415
CHICAGO BRIDGE & IRON CO COM COM 167250109 429 8,578 SH   SOLE   0 0 8,578
D R HORTON INC COM COM 23331A109 211 7,707 SH   SOLE   0 0 7,707
HEALTHSOUTH CORP NEW COM COM 421924309 440 9,551 SH   SOLE   0 0 9,551
ISHARES RUSSELL MID-CAP VALUE RUS MDCP VAL ETF 464287473 3,528 47,831 SH   SOLE   0 0 47,831
ISHARES S&P MID-CAP 400 GROWTH S&P MC 400GR ETF 464287606 4,093 24,147 SH   SOLE   0 0 24,147
ISHARES US HOME CONSTRUCTION E US HOME CONS ETF 464288752 2,041 74,336 SH   SOLE   0 0 74,336
PACCAR INC COM COM 693718108 724 11,339 SH   SOLE   0 0 11,339
VANGUARD CRSP US SM CAP GROWTH SML CP GRW ETF 922908595 2,502 18,636 SH   SOLE   0 0 18,636
VANGUARD CRSP US SMALL CAP VAL SM CP VAL ETF 922908611 1,781 16,523 SH   SOLE   0 0 16,523
ABERDEEN ASIA-PAC PRIME INC CO COM 003009107 236 47,625 SH   SOLE   0 0 47,625
ISHARES INTL SELECT DIV ETF INTL SEL DIV ETF 464288448 5,857 181,157 SH   SOLE   0 0 181,157
ISHARES MSCI EAFE GROWTH INDEX EAFE GRWTH ETF 464288885 4,259 60,950 SH   SOLE   0 0 60,950
ISHARES MSCI EAFE VALUE INDEX EAFE VALUE ETF 464288877 3,400 64,976 SH   SOLE   0 0 64,976
SPDR EURO STOXX 50 FUND EURO STOXX 50 78463X202 4,782 127,768 SH   SOLE   0 0 127,768
VANGUARD REIT ETF INDEX REIT ETF 922908553 11,973 160,297 SH   SOLE   0 0 160,297
ISHARES GLOBAL TIMBER & FOREST GL TIMB FORE ETF 464288174 1,549 29,483 SH   SOLE   0 0 29,483
ISHARES US BASIC MATERIALS ETF U.S. BAS MTL ETF 464287838 1,048 13,004 SH   SOLE   0 0 13,004
SELECT SECTOR SPDR TRUST ENERG SBI INT-ENERGY 81369Y506 978 13,015 SH   SOLE   0 0 13,015
SPDR BARCLAYS SHORT TERM CORP BARC SHT TR CP 78464A474 8,861 289,576 SH   SOLE   0 0 289,576
PIMCO HIGH INCOME FUND COM COM SHS 722014107 271 27,165 SH   SOLE   0 0 27,165
PIMCO TOTAL RETURN ACTIVE ETF TTL RTN ACTV ETF 72201R775 6,222 58,147 SH   SOLE   0 0 58,147
VANGUARD INTERMEDIATE TERM BON INTERMED TERM 921937819 7,737 92,249 SH   SOLE   0 0 92,249
SMUCKER J M CO COM COM 832696405 217 1,999 SH   SOLE   0 0 1,999
STARWOOD PROPERTY TRUST COM COM 85571B105 700 32,458 SH   SOLE   0 0 32,458
VANGUARD LONG TERM BOND FUND LONG TERM BOND 921937793 5,393 61,562 SH   SOLE   0 0 61,562