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
APPLE INC COMMON STOCK 037833100 309 1,740 SH   SOLE   1,740 0 0
FLEXSHARES GLOBAL QUALITY MUTUAL FUND/STO 33939L787 38,510 519,566 SH   SOLE   519,566 0 0
GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 327 7,426 SH   SOLE   7,426 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 53,178 111,486 SH   SOLE   111,486 0 0
ISHARES CORE S&P 500 (MKT) MUTUAL FUND/STO 464287200 808 1,695 SH   OTR   1,695 0 0
ISHARES 1-3 YEAR TREASURY BOND MUTUAL FUND/GOV 464287457 201 2,355 SH   SOLE   2,355 0 0
ISHARES 1-3 YEAR TREASURY BOND MUTUAL FUND/GOV 464287457 51 600 SH   OTR   600 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 789 10,027 SH   SOLE   10,027 0 0
ISHARES MSCI EAFE (MKT) MUTUAL FUNDS GL 464287465 105 1,340 SH   OTR   1,340 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 30,040 106,120 SH   SOLE   106,120 0 0
ISHARES CORE S&P MID-CAP (MKT) MUTUAL FUND/STO 464287507 28 100 SH   OTR   100 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 605 1,979 SH   SOLE   1,979 0 0
ISHARES RUSSELL 1000 GROWTH MUTUAL FUND/STO 464287614 5 15 SH   OTR   15 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 455 2,045 SH   SOLE   2,045 0 0
ISHARES RUSSELL 2000 (MKT) MUTUAL FUND/STO 464287655 20 90 SH   OTR   90 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 17,806 155,493 SH   SOLE   155,493 0 0
ISHARES CORE S&P SMALL-CAP (MKT) MUTUAL FUND/STO 464287804 57 500 SH   OTR   500 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 601 10,719 SH   SOLE   10,719 0 0
ISHARES AAA - A RATED CORPORATE MUTUAL FUND/COR 46429B291 18 325 SH   OTR   325 0 0
ISHARES CORE MSCI TOTAL INTL MUTUAL FUND/STO 46432F834 301 4,240 SH   SOLE   4,240 0 0
ISHARES CORE MSCI EAFE MUTUAL FUNDS GL 46432F842 45,097 604,194 SH   SOLE   604,194 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 27,636 922,123 SH   SOLE   922,123 0 0
ISHARES FALN ANGLS USD BD ETF MUTUAL FUND/COR 46435G474 6 200 SH   OTR   200 0 0
MICROSOFT CORP COMMON STOCK 594918104 922 2,742 SH   SOLE   2,742 0 0
MICROSOFT CORP COMMON STOCK 594918104 67 200 SH   OTR   200 0 0
SPDR S&P 500 (MKT) MUTUAL FUND/STO 78462F103 955 2,011 SH   SOLE   2,011 0 0
SPDR PORTFOLIO S&P MUTUAL FUND/STO 78464A409 38,359 529,305 SH   SOLE   529,305 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 37,501 463,950 SH   SOLE   463,950 0 0
SCHWAB U.S. DIVIDEND EQUITY ETF MUTUAL FUND/STO 808524797 113 1,400 SH   OTR   1,400 0 0
TOMPKINS FINANCIAL CORPORATION COMMON STOCK 890110109 206 2,459 SH   SOLE   2,459 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 2,268 25,880 SH   SOLE   25,880 0 0
VANGUARD INTERMEDIATE-TERM BOND MUTUAL FUND/GOV 921937819 267 3,045 SH   OTR   3,045 0 0
VANGUARD HIGH DIVIDEND YIELD MUTUAL FUND/STO 921946406 249 2,225 SH   SOLE   2,225 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 22,889 267,960 SH   SOLE   267,960 0 0
VANGUARD INTERNATIONAL DIVIDEND MUTUAL FUND/STO 921946810 17 200 SH   OTR   200 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 346 6,990 SH   SOLE   6,990 0 0
VANGUARD EMERGING MARKETS STOCK MUTUAL FUND/STO 922042858 43 875 SH   OTR   875 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578 26,252 712,412 SH   SOLE   712,412 0 0
WISDOMTREE EM MKTS EX-STT OWND MUTUAL FUND/STO 97717X578 10 265 SH   OTR   265 0 0