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 1,648 15,055 SH   SOLE   0 0 15,055
Alphabet Inc Class A SK 02079K305 547 312 SH   SOLE   0 0 312
Alphabet Inc Class C SK 02079K107 462 264 SH   SOLE   0 0 264
Amazon Com Inc SK 023135106 5,657 1,737 SH   SOLE   0 0 1,737
Analog Devices, Inc. SK 032654105 529 3,582 SH   SOLE   0 0 3,582
Apple Computers SK 037833100 13,682 103,111 SH   SOLE   0 0 103,111
Assurant Inc SK 04621X108 1,983 14,555 SH   SOLE   0 0 14,555
Barclay's Aggregate Bond Index I-Shares ET 464287226 4,279 36,205 SH   SOLE   0 0 36,205
Berkley W R Corporation SK 084423102 2,781 41,876 SH   SOLE   0 0 41,876
Berkshire Hathaway Cl B SK 084670702 1,604 6,917 SH   SOLE   0 0 6,917
Boston Beer Co Inc Cl A Class A SK 100557107 11,485 11,551 SH   SOLE   0 0 11,551
Canadian Pac Ltd New F SK 13645T100 641 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,708 9,385 SH   SOLE   0 0 9,385
Charter Communications SK 16119P108 652 986 SH   SOLE   0 0 986
Cisco Systems Inc SK 17275R102 513 11,456 SH   SOLE   0 0 11,456
Colgate-Palmolive Co SK 194162103 277 3,235 SH   SOLE   0 0 3,235
Deckers Outdoor Corp SK 243537107 252 877 SH   SOLE   0 0 877
Dominos Pizza Inc SK 25754A201 1,918 5,002 SH   SOLE   0 0 5,002
Facebook Inc Class A SK 30303M102 250 916 SH   SOLE   0 0 916
Fidelity Msci Real Estate Index Etf ET 316092857 2,364 93,146 SH   SOLE   0 0 93,146
General Electric Co. SK 369604103 171 15,834 SH   SOLE   0 0 15,834
Hewlett Packard Co SK 40434L105 840 34,149 SH   SOLE   0 0 34,149
Home Depot Inc SK 437076102 282 1,061 SH   SOLE   0 0 1,061
Intel Corp SK 458140100 206 4,143 SH   SOLE   0 0 4,143
Invesco NY Muni AMT Free Mun Bd ETF ET 46138E529 543 20,765 SH   SOLE   0 0 20,765
Invesco National AMT Free Mun Bd ETF ET 46138E537 261 9,621 SH   SOLE   0 0 9,621
Invesco QQQ Trust ET 46090E103 9,118 29,063 SH   SOLE   0 0 29,063
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,446 45,405 SH   SOLE   0 0 45,405
Ishares Barclays Tips Bond Fund ET 464287176 10,362 81,178 SH   SOLE   0 0 81,178
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,893 31,477 SH   SOLE   0 0 31,477
Ishares Core US Growth ET 464287671 751 8,463 SH   SOLE   0 0 8,463
Ishares Core US Value ET 464287663 3,941 63,367 SH   SOLE   0 0 63,367
Ishares Goldman Sachs Tech Index ET 464287549 3,866 11,051 SH   SOLE   0 0 11,051
Ishares Lehman Treas Bond 1-3 Year ET 464287457 599 6,930 SH   SOLE   0 0 6,930
Ishares Morningstar Fund Large Core Inde ET 464287127 401 1,851 SH   SOLE   0 0 1,851
Ishares Morningstar Fund Mid Growth Inde ET 464288307 279 731 SH   SOLE   0 0 731
Ishares Msci Canada Idx Fd ET 464286509 261 8,463 SH   SOLE   0 0 8,463
Ishares Msci Emrg Mkt Fd ET 464287234 4,583 88,705 SH   SOLE   0 0 88,705
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 11,218 152,817 SH   SOLE   0 0 152,817
Ishares Pharmaceutical Index Fund ET 464288836 708 3,944 SH   SOLE   0 0 3,944
Ishares Russell Midcap Index Fund ET 464287499 2,728 39,800 SH   SOLE   0 0 39,800
Ishares Russell Midcap Value Index Fund ET 464287473 16,043 165,457 SH   SOLE   0 0 165,457
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 3,814 59,762 SH   SOLE   0 0 59,762
Ishares S&P Midcap 400 Bar Val ET 464287705 8,360 96,874 SH   SOLE   0 0 96,874
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 4,683 64,842 SH   SOLE   0 0 64,842
Ishares S&P North Am Fund ET 464287374 714 30,669 SH   SOLE   0 0 30,669
Ishares S&P Smallcap Growth ETF ET 464287887 4,979 43,605 SH   SOLE   0 0 43,605
Ishares S&P Smallcap 600 Value ET 464287879 8,466 104,122 SH   SOLE   0 0 104,122
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,701 105,803 SH   SOLE   0 0 105,803
Ishares Tr Msci Eafe ET 464287465 3,822 52,391 SH   SOLE   0 0 52,391
Ishares Tr Nasdaq Biotech ET 464287556 279 1,840 SH   SOLE   0 0 1,840
Ishares Tr Russell 1000 Growth ET 464287614 1,133 4,698 SH   SOLE   0 0 4,698
Ishares Tr Russell 1000 Ind ET 464287622 305 1,439 SH   SOLE   0 0 1,439
Ishares Tr Russell 1000 Val ET 464287598 3,735 27,316 SH   SOLE   0 0 27,316
Ishares Tr Russell 2000 Ind ET 464287655 202 1,032 SH   SOLE   0 0 1,032
Ishares Tr Russell 2000 Val ET 464287630 2,111 16,024 SH   SOLE   0 0 16,024
Ishares Tr S&P 100 Index ET 464287101 454 2,648 SH   SOLE   0 0 2,648
Ishares Tr S&P 500 Barra Val ET 464287408 7,360 57,489 SH   SOLE   0 0 57,489
Ishares Tr S&P Midcap 400 Ind ET 464287507 11,943 51,965 SH   SOLE   0 0 51,965
Ishares Trust Dow Jones Select Dividend ET 464287168 1,610 16,741 SH   SOLE   0 0 16,741
Ishares Trust S&P 500 Index ET 464287200 10,614 28,275 SH   SOLE   0 0 28,275
Ishares US Technology ET 464287721 238 2,802 SH   SOLE   0 0 2,802
Ishares Yield Optimized Bond Etf ET 46434V787 2,973 115,014 SH   SOLE   0 0 115,014
J P Morgan & Co. Inc. SK 46625H100 268 2,108 SH   SOLE   0 0 2,108
Johnson & Johnson SK 478160104 2,463 15,649 SH   SOLE   0 0 15,649
Lowes Companies Inc SK 548661107 238 1,481 SH   SOLE   0 0 1,481
Microsoft Corp SK 594918104 1,485 6,679 SH   SOLE   0 0 6,679
Mid Cap S P D R Trust Unit Ser ET 78467Y107 2,379 5,666 SH   SOLE   0 0 5,666
Moodys Corp SK 615369105 976 3,364 SH   SOLE   0 0 3,364
Omnicom Group Inc SK 681919106 541 8,678 SH   SOLE   0 0 8,678
P J T Partners Inc Cl A SK 69343T107 3,533 46,953 SH   SOLE   0 0 46,953
Paychex Inc SK 704326107 774 8,308 SH   SOLE   0 0 8,308
Pepsico SK 713448108 5,894 39,747 SH   SOLE   0 0 39,747
Pfizer Inc SK 717081103 1,622 44,065 SH   SOLE   0 0 44,065
Pimco Active Bond ETF ET 72201R775 2,262 19,994 SH   SOLE   0 0 19,994
Procter & Gamble Co. SK 742718109 1,673 12,021 SH   SOLE   0 0 12,021
Proshares Ultra S&P 500 ET 74347R107 6,464 70,764 SH   SOLE   0 0 70,764
S P D R Trust Unit Sr 1 ET 78462F103 2,118 5,666 SH   SOLE   0 0 5,666
Sch Us Mid-Cap Etf ET 808524508 10,505 154,082 SH   SOLE   0 0 154,082
Schw US Large Cap ETF ET 808524201 2,838 31,202 SH   SOLE   0 0 31,202
Schw Us Brd Mkt Etf ET 808524102 1,455 15,989 SH   SOLE   0 0 15,989
Schw Us Scap Etf ET 808524607 3,763 42,280 SH   SOLE   0 0 42,280
Schwab Emerging Markets Equity Etf ET 808524706 3,535 115,335 SH   SOLE   0 0 115,335
Schwab Intermediate Term Us Trs Etf ET 808524854 705 12,106 SH   SOLE   0 0 12,106
Schwab US Lg Cap Growth ETF ET 808524300 667 5,191 SH   SOLE   0 0 5,191
Schwab US Tips ETF ET 808524870 8,951 144,183 SH   SOLE   0 0 144,183
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,027 27,098 SH   SOLE   0 0 27,098
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 1,519 21,905 SH   SOLE   0 0 21,905
Spdr S&P 500 Growth Etf ET 78464A409 1,052 19,031 SH   SOLE   0 0 19,031
Spdr S&P 600 Small Cap ET 78464A813 5,400 67,892 SH   SOLE   0 0 67,892
Spdr S&P 600 Small Cap Growth ET 78464A201 228 2,981 SH   SOLE   0 0 2,981
Spdr S&P Biotech Etf ET 78464A870 3,697 26,258 SH   SOLE   0 0 26,258
Spdr S&P Dividend Etf ET 78464A763 2,701 25,499 SH   SOLE   0 0 25,499
United Healthcare Corp SK 91324P102 263 750 SH   SOLE   0 0 750
Vanguard Bond Index Fund Intermediate Te ET 921937819 9,869 106,288 SH   SOLE   0 0 106,288
Vanguard Bond Index Short Term Bond ETF ET 921937827 854 10,307 SH   SOLE   0 0 10,307
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 10,663 128,079 SH   SOLE   0 0 128,079
Vanguard Div Appreciation ETF ET 921908844 12,641 89,543 SH   SOLE   0 0 89,543
Vanguard Emerging Market ET 922042858 681 13,581 SH   SOLE   0 0 13,581
Vanguard Energy Index ET 92204A306 523 10,091 SH   SOLE   0 0 10,091
Vanguard Ftse Developed Markets Etf ET 921943858 378 7,998 SH   SOLE   0 0 7,998
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 1,485 5,860 SH   SOLE   0 0 5,860
Vanguard Info Technology ET 92204A702 2,499 7,063 SH   SOLE   0 0 7,063
Vanguard Lrg Cap Etf Us Prime Mkt 750 ET 922908637 239 1,360 SH   SOLE   0 0 1,360
Vanguard Mid Cap ET 922908629 2,668 12,904 SH   SOLE   0 0 12,904
Vanguard Mid Cap Growth Etf ET 922908538 3,667 17,291 SH   SOLE   0 0 17,291
Vanguard Mid Cap Value ET 922908512 9,089 76,407 SH   SOLE   0 0 76,407
Vanguard Msci Us Sm Cap Growth ET 922908595 17,627 65,854 SH   SOLE   0 0 65,854
Vanguard Reit ET 922908553 2,606 30,686 SH   SOLE   0 0 30,686
Vanguard S&P 500 Growth Etf ET 921932505 1,851 8,045 SH   SOLE   0 0 8,045
Vanguard Small Cap ETF ET 922908751 5,385 27,659 SH   SOLE   0 0 27,659
Vanguard Small Cap Value ET 922908611 18,349 129,026 SH   SOLE   0 0 129,026
Vanguard Total Intl ETF ET 921909768 672 11,171 SH   SOLE   0 0 11,171
Vanguard Total Stock Mkt ET 922908769 9,767 50,180 SH   SOLE   0 0 50,180
ViacomCBS Inc Class B SK 92556H206 247 6,635 SH   SOLE   0 0 6,635
Vulcan Materials Company SK 929160109 252 1,701 SH   SOLE   0 0 1,701
Wal Mart Stores SK 931142103 1,107 7,677 SH   SOLE   0 0 7,677
Walt Disney Co Holding Co SK 254687106 4,733 26,120 SH   SOLE   0 0 26,120
Zillow Group Inc Class SK 98954M101 204 1,500 SH   SOLE   0 0 1,500