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
Xylem Inc COM 98419m100 203 5,321 SH   SOLE   5,321 0 0
Aflac Inc COM 001055102 204 3,335 SH   SOLE   3,335 0 0
Ventas Inc COM 92276f100 208 2,905 SH   SOLE   2,905 0 0
Nextera Energy Inc COM 65339f101 229 2,150 SH   SOLE   2,150 0 0
Whirlpool Corp COM 963320106 232 1,200 SH   SOLE   1,200 0 0
McDonalds Corp COM 580135101 234 2,500 SH   SOLE   2,500 0 0
Dominion Resources Inc VA New COM 25746u109 241 3,133 SH   SOLE   3,133 0 0
Las Vegas Sands Corp COM 517834107 243 4,180 SH   SOLE   4,180 0 0
NBT Bancorp Inc COM 628778102 243 9,252 SH   SOLE   9,252 0 0
VF Corp COM 918204108 246 3,280 SH   SOLE   3,280 0 0
Goldman Sachs Group Inc COM 38141g104 250 1,292 SH   SOLE   1,292 0 0
Parker Hannifin Corp COM 701094104 258 2,000 SH   SOLE   2,000 0 0
Hess Corp COM 42809h107 262 3,550 SH   SOLE   3,550 0 0
Johnson & Johnson COM 478160104 266 2,540 SH   SOLE   2,540 0 0
Waste Management Inc COM 94106l109 269 5,233 SH   SOLE   5,233 0 0
Bristol-Myers Squibb Co COM 110122108 285 4,823 SH   SOLE   4,823 0 0
Du Pont E I de Nemours & Co COM 263534109 293 3,965 SH   SOLE   3,965 0 0
Raytheon Co COM 755111507 299 2,760 SH   SOLE   2,760 0 0
SPDR S&P 500 ETF Tr ETF 78462f103 309 1,505 SH   SOLE   1,505 0 0
Bank America Corp COM 060505104 320 17,903 SH   SOLE   17,903 0 0
AT&T Inc COM 00206r102 322 9,578 SH   SOLE   9,578 0 0
M & T Bank Corp COM 55261f104 328 2,610 SH   SOLE   2,610 0 0
Medtronic Inc COM 585055106 340 4,709 SH   SOLE   4,709 0 0
Intl Business Machines COM 459200101 347 2,164 SH   SOLE   2,164 0 0
Hain Celestial Group Inc COM 405217100 354 6,080 SH   SOLE   6,080 0 0
Netflix Inc COM 64110l106 364 1,065 SH   SOLE   1,065 0 0
Tupperware Brands Corp COM 899896104 368 5,845 SH   SOLE   5,845 0 0
Envision Healthcare Holdings I COM 29413u103 376 10,840 SH   SOLE   10,840 0 0
Honeywell Intl Inc COM 438516106 380 3,809 SH   SOLE   3,809 0 0
Procter And Gamble Co COM 742718109 401 4,404 SH   SOLE   4,404 0 0
Fastenal Co COM 311900104 418 8,785 SH   SOLE   8,785 0 0
SVB Financial Group COM 78486q101 437 3,765 SH   SOLE   3,765 0 0
Service Corp Intl COM 817565104 442 19,456 SH   SOLE   19,456 0 0
Coca-Cola Co COM 191216100 449 10,642 SH   SOLE   10,642 0 0
Pfizer Inc COM 717081103 449 14,402 SH   SOLE   14,402 0 0
Baker Hughes Inc COM 057224107 451 8,036 SH   SOLE   8,036 0 0
Cdk Global Inc COM 12508e101 483 11,832 SH   SOLE   11,832 0 0
Kansas City Southern COM 485170302 485 3,968 SH   SOLE   3,968 0 0
Vanguard Div Apprec ETF ETF 921908844 491 6,040 SH   SOLE   6,040 0 0
Avago Technologies Ltd COM y0486s104 500 4,975 SH   SOLE   4,975 0 0
Perrigo Co PLC COM g97822103 500 2,996 SH   SOLE   2,996 0 0
Cerner Corp COM 156782104 511 7,890 SH   SOLE   7,890 0 0
Microsoft Corp COM 594918104 534 11,498 SH   SOLE   11,498 0 0
Under Armour Inc Cl A COM 904311107 535 7,880 SH   SOLE   7,880 0 0
JetBlue Airways Corp COM 477143101 536 33,775 SH   SOLE   33,775 0 0
PepsiCo Inc COM 713448108 552 5,835 SH   SOLE   5,835 0 0
McKesson Corp COM 58155q103 553 2,663 SH   SOLE   2,663 0 0
Ford Motor Co COM 345370860 562 36,258 SH   SOLE   36,258 0 0
FedEx Corp COM 31428x106 566 3,260 SH   SOLE   3,260 0 0
eBay Inc COM 278642103 586 10,430 SH   SOLE   10,430 0 0
Johnson Controls Inc COM 478366107 590 12,207 SH   SOLE   12,207 0 0
Anadarko Petroleum Corp COM 032511107 609 7,384 SH   SOLE   7,384 0 0
Cognizant Technology Solutions COM 192446102 679 12,890 SH   SOLE   12,890 0 0
Google Inc Cl A COM 38259p508 700 1,319 SH   SOLE   1,319 0 0
Panera Bread Co Cl A COM 69840w108 727 4,158 SH   SOLE   4,158 0 0
United Rentals Inc COM 911363109 803 7,870 SH   SOLE   7,870 0 0
Cummins Inc COM 231021106 863 5,982 SH   SOLE   5,982 0 0
Nike Inc Cl B COM 654106103 908 9,444 SH   SOLE   9,444 0 0
Disney Walt Co Disney COM 254687106 920 9,761 SH   SOLE   9,761 0 0
Exxon Mobil Corp COM 30231g102 1,063 11,497 SH   SOLE   11,497 0 0
Express Scripts Holding Co COM 30219g108 1,251 14,779 SH   SOLE   14,779 0 0
Vanguard REIT ETF ETF 922908553 1,435 17,717 SH   SOLE   17,717 0 0
Visa Inc Cl A COM 92826c839 1,470 5,603 SH   SOLE   5,603 0 0
Vanguard Tax Mgd FTSE Dev Mkt ETF 921943858 1,556 41,082 SH   SOLE   41,082 0 0
Ameriprise Financial Inc COM 03076c106 1,561 11,805 SH   SOLE   11,805 0 0
Occidental Petroleum Corp COM 674599105 1,639 20,331 SH   SOLE   20,331 0 0
Select Sector SPDR Financial ETF 81369y605 1,779 71,925 SH   SOLE   71,925 0 0
Unilever PLC Sp ADR SPON ADR 904767704 1,819 44,944 SH   SOLE   44,944 0 0
Verizon Communications Inc COM 92343v104 1,926 41,176 SH   SOLE   41,176 0 0
Illinois Tool Works Inc COM 452308109 1,930 20,372 SH   SOLE   20,372 0 0
ConocoPhillips COM 20825c104 2,021 29,269 SH   SOLE   29,269 0 0
AbbVie Inc COM 00287y109 2,032 31,051 SH   SOLE   31,051 0 0
Stryker Corp COM 863667101 2,048 21,710 SH   SOLE   21,710 0 0
iShares Russell 2000 ETF ETF 464287655 2,124 17,756 SH   SOLE   17,756 0 0
Monsanto Co COM 61166w101 2,125 17,791 SH   SOLE   17,791 0 0
General Electric Co COM 369604103 2,238 88,569 SH   SOLE   88,569 0 0
Colgate Palmolive Co COM 194162103 2,271 32,827 SH   SOLE   32,827 0 0
US Bancorp Del COM 902973304 2,311 51,410 SH   SOLE   51,410 0 0
JPMorgan Chase & Co COM 46625h100 2,411 38,520 SH   SOLE   38,520 0 0
PNC Financial Services Group I COM 693475105 2,417 26,495 SH   SOLE   26,495 0 0
Qualcomm Inc COM 747525103 2,443 32,874 SH   SOLE   32,874 0 0
Wells Fargo & Co COM 949746101 2,487 45,364 SH   SOLE   45,364 0 0
Mondelez Intl Inc Cl A COM 609207105 2,508 69,069 SH   SOLE   69,069 0 0
Franklin Resources Inc COM 354613101 2,516 45,450 SH   SOLE   45,450 0 0
Accenture PLC Ireland Class A COM g1151c101 2,548 28,529 SH   SOLE   28,529 0 0
American Express Co COM 025816109 2,559 27,500 SH   SOLE   27,500 0 0
Eaton Corp PLC COM g29183103 2,600 38,256 SH   SOLE   38,256 0 0
Air Prods & Chems Inc COM 009158106 2,716 18,832 SH   SOLE   18,832 0 0
Scripps Networks Interact Inc COM 811065101 2,751 36,550 SH   SOLE   36,550 0 0
United Parcel Service Inc Cl B COM 911312106 2,751 24,750 SH   SOLE   24,750 0 0
Abbott Laboratories COM 002824100 2,762 61,346 SH   SOLE   61,346 0 0
UnitedHealth Group Inc COM 91324p102 2,863 28,316 SH   SOLE   28,316 0 0
Norfolk Southern Corp COM 655844108 2,981 27,190 SH   SOLE   27,190 0 0
Walgreens Boots Alliance Inc COM 931427108 3,021 39,635 SH   SOLE   39,635 0 0
Select Sector SPDR Healthcare ETF 81369y209 3,066 44,850 SH   SOLE   44,850 0 0
Comcast Corp Cl A COM 20030n101 3,083 53,139 SH   SOLE   53,139 0 0
Automatic Data Processing Inc COM 053015103 3,091 37,086 SH   SOLE   37,086 0 0
Marriott Intl Inc Cl A COM 571903202 3,192 40,905 SH   SOLE   40,905 0 0
Baxter Intl Inc COM 071813109 3,213 43,841 SH   SOLE   43,841 0 0
Chevron Corp COM 166764100 3,324 29,629 SH   SOLE   29,629 0 0
Boeing Co COM 097023105 3,436 26,434 SH   SOLE   26,434 0 0
Becton Dickinson & Co COM 075887109 3,590 25,799 SH   SOLE   25,799 0 0
Intel Corp COM 458140100 3,665 101,009 SH   SOLE   101,009 0 0
SPDR S&P Mid Cap 400 ETF Tr ETF 78467y107 3,709 14,052 SH   SOLE   14,052 0 0
iShares Russell 1000 Val ETF ETF 464287598 4,022 38,529 SH   SOLE   38,529 0 0
Apple Inc COM 037833100 4,045 36,645 SH   SOLE   36,645 0 0
iShares EAFE Small Cap ETF ETF 464288273 4,081 87,386 SH   SOLE   87,386 0 0
PowerShares QQQ Ser 1 ETF 73935a104 5,617 54,397 SH   SOLE   54,397 0 0
iShares Russell 1000 Growth ET ETF 464287614 8,110 84,823 SH   SOLE   84,823 0 0
Vanguard FTSE Emerg Mkt ETF ETF 922042858 8,604 214,988 SH   SOLE   214,988 0 0