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 1,633 15,009 SH   SOLE   0 0 15,009
Alphabet Inc Class A SK 02079K305 341 233 SH   SOLE   0 0 233
Alphabet Inc Class C SK 02079K107 397 270 SH   SOLE   0 0 270
Amazon Com Inc SK 023135106 4,758 1,511 SH   SOLE   0 0 1,511
Analog Devices, Inc. SK 032654105 416 3,566 SH   SOLE   0 0 3,566
Apple Computers SK 037833100 11,535 99,604 SH   SOLE   0 0 99,604
Assurant Inc SK 04621X108 2,422 19,965 SH   SOLE   0 0 19,965
Barclay's Aggregate Bond Index I-Shares ET 464287226 4,274 36,201 SH   SOLE   0 0 36,201
Berkley W R Corporation SK 084423102 2,556 41,807 SH   SOLE   0 0 41,807
Berkshire Hathaway Cl B SK 084670702 1,473 6,917 SH   SOLE   0 0 6,917
Boston Beer Co Inc Cl A Class A SK 100557107 966 1,094 SH   SOLE   0 0 1,094
Canadian Pac Ltd New F SK 13645T100 563 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,393 9,339 SH   SOLE   0 0 9,339
Charter Communications SK 16119P108 805 1,290 SH   SOLE   0 0 1,290
Cisco Systems Inc SK 17275R102 452 11,470 SH   SOLE   0 0 11,470
Deckers Outdoor Corp SK 243537107 211 958 SH   SOLE   0 0 958
Dominos Pizza Inc SK 25754A201 2,127 5,002 SH   SOLE   0 0 5,002
Facebook Inc Class A SK 30303M102 240 916 SH   SOLE   0 0 916
Fidelity Msci Real Estate Index Etf ET 316092857 4,831 205,585 SH   SOLE   0 0 205,585
General Electric Co. SK 369604103 121 19,360 SH   SOLE   0 0 19,360
Gilead Sciences Inc SK 375558103 592 9,368 SH   SOLE   0 0 9,368
Hewlett Packard Co SK 428236103 389 20,489 SH   SOLE   0 0 20,489
Home Depot Inc SK 437076102 304 1,095 SH   SOLE   0 0 1,095
Intel Corp SK 458140100 213 4,116 SH   SOLE   0 0 4,116
Invesco NY Muni AMT Free Mun Bd ETF ET 46138E529 527 20,631 SH   SOLE   0 0 20,631
Invesco National AMT Free Mun Bd ETF ET 46138E537 255 9,565 SH   SOLE   0 0 9,565
Invesco QQQ Trust ET 46090E103 6,957 25,041 SH   SOLE   0 0 25,041
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,523 45,334 SH   SOLE   0 0 45,334
Ishares Barclays Tips Bond Fund ET 464287176 10,271 81,197 SH   SOLE   0 0 81,197
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,208 31,435 SH   SOLE   0 0 31,435
Ishares Core US Growth ET 464287671 675 8,442 SH   SOLE   0 0 8,442
Ishares Core US Value ET 464287663 3,491 64,301 SH   SOLE   0 0 64,301
Ishares Goldman Sachs Tech Index ET 464287549 3,414 11,046 SH   SOLE   0 0 11,046
Ishares Lehman Treas Bond 1-3 Year ET 464287457 598 6,918 SH   SOLE   0 0 6,918
Ishares Morningstar Fund Large Core Inde ET 464287127 360 1,845 SH   SOLE   0 0 1,845
Ishares Morningstar Fund Mid Growth Inde ET 464288307 234 730 SH   SOLE   0 0 730
Ishares Msci Canada Idx Fd ET 464286509 242 8,814 SH   SOLE   0 0 8,814
Ishares Msci Emrg Mkt Fd ET 464287234 3,889 88,199 SH   SOLE   0 0 88,199
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 10,786 158,320 SH   SOLE   0 0 158,320
Ishares Pharmaceutical Index Fund ET 464288836 643 3,932 SH   SOLE   0 0 3,932
Ishares Russell Midcap Index Fund ET 464287499 2,276 39,664 SH   SOLE   0 0 39,664
Ishares Russell Midcap Value Index Fund ET 464287473 13,572 167,890 SH   SOLE   0 0 167,890
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 3,446 14,912 SH   SOLE   0 0 14,912
Ishares S&P Midcap 400 Bar Val ET 464287705 6,539 48,484 SH   SOLE   0 0 48,484
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,871 16,184 SH   SOLE   0 0 16,184
Ishares S&P North Am Fund ET 464287374 785 39,667 SH   SOLE   0 0 39,667
Ishares S&P Smallcap Growth ETF ET 464287887 3,880 21,990 SH   SOLE   0 0 21,990
Ishares S&P Smallcap 600 Value ET 464287879 6,433 52,551 SH   SOLE   0 0 52,551
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,398 52,920 SH   SOLE   0 0 52,920
Ishares Tr Msci Eafe ET 464287465 3,393 53,309 SH   SOLE   0 0 53,309
Ishares Tr Nasdaq Biotech ET 464287556 249 1,839 SH   SOLE   0 0 1,839
Ishares Tr Russell 1000 Growth ET 464287614 1,017 4,691 SH   SOLE   0 0 4,691
Ishares Tr Russell 1000 Ind ET 464287622 268 1,434 SH   SOLE   0 0 1,434
Ishares Tr Russell 1000 Val ET 464287598 3,214 27,208 SH   SOLE   0 0 27,208
Ishares Tr Russell 2000 Val ET 464287630 1,584 15,943 SH   SOLE   0 0 15,943
Ishares Tr S&P 100 Index ET 464287101 411 2,642 SH   SOLE   0 0 2,642
Ishares Tr S&P 500 Barra Val ET 464287408 6,450 57,362 SH   SOLE   0 0 57,362
Ishares Tr S&P Midcap 400 Ind ET 464287507 9,624 51,934 SH   SOLE   0 0 51,934
Ishares Trust Dow Jones Select Dividend ET 464287168 1,353 16,594 SH   SOLE   0 0 16,594
Ishares Trust S&P 500 Index ET 464287200 9,493 28,248 SH   SOLE   0 0 28,248
Ishares US Technology ET 464287721 211 701 SH   SOLE   0 0 701
Ishares Yield Optimized Bond Etf ET 46434V787 2,988 116,140 SH   SOLE   0 0 116,140
J P Morgan & Co. Inc. SK 46625H100 204 2,124 SH   SOLE   0 0 2,124
Johnson & Johnson SK 478160104 2,263 15,204 SH   SOLE   0 0 15,204
Lowes Companies Inc SK 548661107 212 1,277 SH   SOLE   0 0 1,277
Microsoft Corp SK 594918104 1,401 6,661 SH   SOLE   0 0 6,661
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,954 5,768 SH   SOLE   0 0 5,768
Moodys Corp SK 615369105 975 3,364 SH   SOLE   0 0 3,364
Omnicom Group Inc SK 681919106 425 8,594 SH   SOLE   0 0 8,594
P J T Partners Inc Cl A SK 69343T107 2,846 46,952 SH   SOLE   0 0 46,952
Paychex Inc SK 704326107 658 8,253 SH   SOLE   0 0 8,253
Pepsico SK 713448108 5,448 39,305 SH   SOLE   0 0 39,305
Pfizer Inc SK 717081103 1,604 43,695 SH   SOLE   0 0 43,695
Pimco Active Bond ETF ET 72201R775 2,286 20,332 SH   SOLE   0 0 20,332
Procter & Gamble Co. SK 742718109 1,594 11,468 SH   SOLE   0 0 11,468
Proshares Ultra S&P 500 ET 74347R107 5,203 70,822 SH   SOLE   0 0 70,822
S P D R Trust Unit Sr 1 ET 78462F103 1,890 5,644 SH   SOLE   0 0 5,644
Sch US Reit ETF ET 808524847 322 9,108 SH   SOLE   0 0 9,108
Sch Us Mid-Cap Etf ET 808524508 8,614 155,258 SH   SOLE   0 0 155,258
Schw US Large Cap ETF ET 808524201 2,480 30,753 SH   SOLE   0 0 30,753
Schw Us Brd Mkt Etf ET 808524102 1,323 16,608 SH   SOLE   0 0 16,608
Schw Us Scap Etf ET 808524607 2,879 42,139 SH   SOLE   0 0 42,139
Schwab Emerging Markets Equity Etf ET 808524706 3,036 113,441 SH   SOLE   0 0 113,441
Schwab Intermediate Term Us Trs Etf ET 808524854 708 12,063 SH   SOLE   0 0 12,063
Schwab US Lg Cap Growth ETF ET 808524300 597 5,184 SH   SOLE   0 0 5,184
Schwab US Tips ETF ET 808524870 8,083 131,153 SH   SOLE   0 0 131,153
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 857 28,598 SH   SOLE   0 0 28,598
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 219 9,098 SH   SOLE   0 0 9,098
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 1,399 24,371 SH   SOLE   0 0 24,371
Spdr S&P 500 Growth Etf ET 78464A409 439 8,761 SH   SOLE   0 0 8,761
Spdr S&P 600 Small Cap ET 78464A813 4,201 69,008 SH   SOLE   0 0 69,008
Spdr S&P Biotech Etf ET 78464A870 2,923 26,227 SH   SOLE   0 0 26,227
Spdr S&P Dividend Etf ET 78464A763 2,472 26,754 SH   SOLE   0 0 26,754
Vanguard Bond Index Fund Intermediate Te ET 921937819 6,182 66,128 SH   SOLE   0 0 66,128
Vanguard Bond Index Short Term Bond ETF ET 921937827 853 10,269 SH   SOLE   0 0 10,269
Vanguard Consumr Staples ET 92204A207 227 1,387 SH   SOLE   0 0 1,387
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 6,700 80,870 SH   SOLE   0 0 80,870
Vanguard Div Appreciation ETF ET 921908844 11,575 89,967 SH   SOLE   0 0 89,967
Vanguard Emerging Market ET 922042858 583 13,485 SH   SOLE   0 0 13,485
Vanguard Energy Index ET 92204A306 634 15,723 SH   SOLE   0 0 15,723
Vanguard Ftse Developed Markets Etf ET 921943858 324 7,928 SH   SOLE   0 0 7,928
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 1,329 5,841 SH   SOLE   0 0 5,841
Vanguard Info Technology ET 92204A702 2,196 7,049 SH   SOLE   0 0 7,049
Vanguard Lrg Cap Etf Us Prime Mkt 750 ET 922908637 211 1,350 SH   SOLE   0 0 1,350
Vanguard Mid Cap ET 922908629 2,270 12,878 SH   SOLE   0 0 12,878
Vanguard Mid Cap Growth Etf ET 922908538 2,570 14,268 SH   SOLE   0 0 14,268
Vanguard Mid Cap Value ET 922908512 7,717 76,131 SH   SOLE   0 0 76,131
Vanguard Msci Us Sm Cap Growth ET 922908595 14,160 65,882 SH   SOLE   0 0 65,882
Vanguard Reit ET 922908553 2,774 35,134 SH   SOLE   0 0 35,134
Vanguard S&P 500 Growth Etf ET 921932505 885 4,245 SH   SOLE   0 0 4,245
Vanguard Small Cap ETF ET 922908751 4,233 27,525 SH   SOLE   0 0 27,525
Vanguard Small Cap Value ET 922908611 14,287 129,144 SH   SOLE   0 0 129,144
Vanguard Total Intl ETF ET 921909768 587 11,245 SH   SOLE   0 0 11,245
Vanguard Total Stock Mkt ET 922908769 8,579 50,371 SH   SOLE   0 0 50,371
Vulcan Materials Company SK 929160109 230 1,697 SH   SOLE   0 0 1,697
Wal Mart Stores SK 931142103 1,113 7,956 SH   SOLE   0 0 7,956
Walt Disney Co Holding Co SK 254687106 2,917 23,511 SH   SOLE   0 0 23,511