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 1,758 15,163 SH   SOLE   0 0 15,163
Alphabet Inc Class A SK 02079K305 762 312 SH   SOLE   0 0 312
Alphabet Inc Class C SK 02079K107 730 291 SH   SOLE   0 0 291
Amazon Com Inc SK 023135106 7,001 2,035 SH   SOLE   0 0 2,035
Analog Devices, Inc. SK 032654105 622 3,613 SH   SOLE   0 0 3,613
Apple Computers SK 037833100 14,622 106,764 SH   SOLE   0 0 106,764
Assurant Inc SK 04621X108 1,659 10,620 SH   SOLE   0 0 10,620
Barclay's Aggregate Bond Index I-Shares ET 464287226 4,178 36,226 SH   SOLE   0 0 36,226
Berkley W R Corporation SK 084423102 2,867 38,515 SH   SOLE   0 0 38,515
Berkshire Hathaway Cl B SK 084670702 1,720 6,188 SH   SOLE   0 0 6,188
Boston Beer Co Inc Cl A Class A SK 100557107 6,463 6,331 SH   SOLE   0 0 6,331
Canadian Pac Ltd New F SK 13645T100 711 9,250 SH   SOLE   0 0 9,250
Caterpillar Inc SK 149123101 2,111 9,699 SH   SOLE   0 0 9,699
Charter Communications SK 16119P108 604 837 SH   SOLE   0 0 837
Cisco Systems Inc SK 17275R102 616 11,631 SH   SOLE   0 0 11,631
Colgate-Palmolive Co SK 194162103 292 3,593 SH   SOLE   0 0 3,593
Comcast Corp Class A SK 20030N101 236 4,140 SH   SOLE   0 0 4,140
Deckers Outdoor Corp SK 243537107 303 789 SH   SOLE   0 0 789
Dominos Pizza Inc SK 25754A201 714 1,530 SH   SOLE   0 0 1,530
Facebook Inc Class A SK 30303M102 319 916 SH   SOLE   0 0 916
Fidelity Msci Real Estate Index Etf ET 316092857 2,486 81,708 SH   SOLE   0 0 81,708
General Electric Co. SK 369604103 213 15,857 SH   SOLE   0 0 15,857
Gilead Sciences Inc SK 375558103 231 3,354 SH   SOLE   0 0 3,354
Hewlett Packard Co SK 40434L105 853 28,254 SH   SOLE   0 0 28,254
Home Depot Inc SK 437076102 275 863 SH   SOLE   0 0 863
Intel Corp SK 458140100 235 4,192 SH   SOLE   0 0 4,192
International Business Machines SK 459200101 228 1,556 SH   SOLE   0 0 1,556
Invesco NY Muni AMT Free Mun Bd ETF ET 46138E529 2,873 109,011 SH   SOLE   0 0 109,011
Invesco National AMT Free Mun Bd ETF ET 46138E537 368 13,501 SH   SOLE   0 0 13,501
Invesco QQQ Trust ET 46090E103 13,220 37,298 SH   SOLE   0 0 37,298
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,107 44,221 SH   SOLE   0 0 44,221
Ishares Barclays Tips Bond Fund ET 464287176 9,969 77,873 SH   SOLE   0 0 77,873
Ishares Core S&P Smallcap ETF 600 ET 464287804 3,518 31,136 SH   SOLE   0 0 31,136
Ishares Core US Growth ET 464287671 847 8,384 SH   SOLE   0 0 8,384
Ishares Core US Value ET 464287663 4,545 63,155 SH   SOLE   0 0 63,155
Ishares Goldman Sachs Tech Index ET 464287549 4,386 10,856 SH   SOLE   0 0 10,856
Ishares Lehman Treas Bond 1-3 Year ET 464287457 563 6,536 SH   SOLE   0 0 6,536
Ishares Morningstar Fund Large Core Inde ET 464287127 452 7,434 SH   SOLE   0 0 7,434
Ishares Morningstar Fund Mid Growth Inde ET 464288307 302 4,389 SH   SOLE   0 0 4,389
Ishares Msci Canada Idx Fd ET 464286509 313 8,404 SH   SOLE   0 0 8,404
Ishares Msci Emrg Mkt Fd ET 464287234 4,794 86,920 SH   SOLE   0 0 86,920
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 10,086 133,516 SH   SOLE   0 0 133,516
Ishares Pharmaceutical Index Fund ET 464288836 738 3,974 SH   SOLE   0 0 3,974
Ishares Russell Midcap Index Fund ET 464287499 3,168 39,982 SH   SOLE   0 0 39,982
Ishares Russell Midcap Value Index Fund ET 464287473 18,453 160,491 SH   SOLE   0 0 160,491
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 4,294 59,034 SH   SOLE   0 0 59,034
Ishares S&P Midcap 400 Bar Val ET 464287705 9,863 93,631 SH   SOLE   0 0 93,631
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 5,170 63,877 SH   SOLE   0 0 63,877
Ishares S&P North Am Fund ET 464287374 858 28,211 SH   SOLE   0 0 28,211
Ishares S&P Smallcap Growth ETF ET 464287887 5,704 43,008 SH   SOLE   0 0 43,008
Ishares S&P Smallcap 600 Value ET 464287879 10,565 100,207 SH   SOLE   0 0 100,207
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 6,773 103,645 SH   SOLE   0 0 103,645
Ishares Tr Msci Eafe ET 464287465 3,883 49,230 SH   SOLE   0 0 49,230
Ishares Tr Nasdaq Biotech ET 464287556 285 1,738 SH   SOLE   0 0 1,738
Ishares Tr Russell 1000 Growth ET 464287614 1,278 4,708 SH   SOLE   0 0 4,708
Ishares Tr Russell 1000 Ind ET 464287622 350 1,447 SH   SOLE   0 0 1,447
Ishares Tr Russell 1000 Val ET 464287598 4,047 25,514 SH   SOLE   0 0 25,514
Ishares Tr Russell 2000 Ind ET 464287655 235 1,024 SH   SOLE   0 0 1,024
Ishares Tr Russell 2000 Val ET 464287630 2,656 16,024 SH   SOLE   0 0 16,024
Ishares Tr S&P 100 Index ET 464287101 521 2,656 SH   SOLE   0 0 2,656
Ishares Tr S&P 500 Barra Val ET 464287408 8,118 54,986 SH   SOLE   0 0 54,986
Ishares Tr S&P Midcap 400 Ind ET 464287507 13,750 51,168 SH   SOLE   0 0 51,168
Ishares Trust Dow Jones Select Dividend ET 464287168 1,977 16,952 SH   SOLE   0 0 16,952
Ishares Trust S&P 500 Index ET 464287200 11,864 27,595 SH   SOLE   0 0 27,595
Ishares US Technology ET 464287721 279 2,802 SH   SOLE   0 0 2,802
Ishares Yield Optimized Bond Etf ET 46434V787 2,562 101,414 SH   SOLE   0 0 101,414
J P Morgan & Co. Inc. SK 46625H100 332 2,135 SH   SOLE   0 0 2,135
Johnson & Johnson SK 478160104 2,609 15,835 SH   SOLE   0 0 15,835
Lowes Companies Inc SK 548661107 289 1,490 SH   SOLE   0 0 1,490
McDonalds Corporation SK 580135101 208 900 SH   SOLE   0 0 900
Merck & Co Inc SK 58933Y105 363 4,671 SH   SOLE   0 0 4,671
Microsoft Corp SK 594918104 2,002 7,389 SH   SOLE   0 0 7,389
Mid Cap S P D R Trust Unit Ser ET 78467Y107 2,795 5,693 SH   SOLE   0 0 5,693
Moodys Corp SK 615369105 1,219 3,364 SH   SOLE   0 0 3,364
Newell Brands Inc SK 651229106 671 24,423 SH   SOLE   0 0 24,423
Nvidia Corp SK 67066G104 206 257 SH   SOLE   0 0 257
Omnicom Group Inc SK 681919106 642 8,023 SH   SOLE   0 0 8,023
P J T Partners Inc Cl A SK 69343T107 2,896 40,575 SH   SOLE   0 0 40,575
Paychex Inc SK 704326107 958 8,927 SH   SOLE   0 0 8,927
Pepsico SK 713448108 6,185 41,742 SH   SOLE   0 0 41,742
Pfizer Inc SK 717081103 1,759 44,917 SH   SOLE   0 0 44,917
Pimco Active Bond ETF ET 72201R775 2,224 20,047 SH   SOLE   0 0 20,047
Procter & Gamble Co. SK 742718109 1,688 12,508 SH   SOLE   0 0 12,508
Proshares Ultra S&P 500 ET 74347R107 8,397 70,364 SH   SOLE   0 0 70,364
S P D R Trust Unit Sr 1 ET 78462F103 2,431 5,679 SH   SOLE   0 0 5,679
Sch Us Mid-Cap Etf ET 808524508 14,634 186,962 SH   SOLE   0 0 186,962
Schw US Large Cap ETF ET 808524201 3,277 31,515 SH   SOLE   0 0 31,515
Schw Us Brd Mkt Etf ET 808524102 1,763 16,908 SH   SOLE   0 0 16,908
Schw Us Scap Etf ET 808524607 6,213 59,633 SH   SOLE   0 0 59,633
Schwab Emerging Markets Equity Etf ET 808524706 3,712 112,907 SH   SOLE   0 0 112,907
Schwab Intermediate Term Us Trs Etf ET 808524854 591 10,397 SH   SOLE   0 0 10,397
Schwab US Lg Cap Growth ETF ET 808524300 759 5,202 SH   SOLE   0 0 5,202
Schwab US Tips ETF ET 808524870 11,434 182,912 SH   SOLE   0 0 182,912
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,488 27,628 SH   SOLE   0 0 27,628
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 241 6,565 SH   SOLE   0 0 6,565
Spdr S&P 400 Mid Cap Growth Etf ET 78464A821 1,702 21,961 SH   SOLE   0 0 21,961
Spdr S&P 500 Growth Etf ET 78464A409 3,259 51,758 SH   SOLE   0 0 51,758
Spdr S&P 500 Value Etf ET 78464A508 350 8,844 SH   SOLE   0 0 8,844
Spdr S&P 600 Small Cap ET 78464A813 6,605 67,578 SH   SOLE   0 0 67,578
Spdr S&P 600 Small Cap Growth ET 78464A201 275 3,101 SH   SOLE   0 0 3,101
Spdr S&P Biotech Etf ET 78464A870 3,354 24,771 SH   SOLE   0 0 24,771
Spdr S&P Dividend Etf ET 78464A763 3,159 25,834 SH   SOLE   0 0 25,834
Therapeuticsmd Inc SK 88338N107 50 42,139 SH   SOLE   0 0 42,139
United Healthcare Corp SK 91324P102 474 1,183 SH   SOLE   0 0 1,183
Vanguard Bond Index Fund Intermediate Te ET 921937819 12,809 142,383 SH   SOLE   0 0 142,383
Vanguard Bond Index Short Term Bond ETF ET 921937827 849 10,331 SH   SOLE   0 0 10,331
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 20,288 245,289 SH   SOLE   0 0 245,289
Vanguard Div Appreciation ETF ET 921908844 13,647 88,163 SH   SOLE   0 0 88,163
Vanguard Emerging Market ET 922042858 2,004 36,892 SH   SOLE   0 0 36,892
Vanguard Energy Index ET 92204A306 768 10,114 SH   SOLE   0 0 10,114
Vanguard Ftse Developed Markets Etf ET 921943858 407 7,903 SH   SOLE   0 0 7,903
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 1,616 5,634 SH   SOLE   0 0 5,634
Vanguard Info Technology ET 92204A702 2,826 7,086 SH   SOLE   0 0 7,086
Vanguard Lrg Cap Etf Us Prime Mkt 750 ET 922908637 249 1,240 SH   SOLE   0 0 1,240
Vanguard Mid Cap ET 922908629 5,060 21,319 SH   SOLE   0 0 21,319
Vanguard Mid Cap Growth Etf ET 922908538 5,023 21,254 SH   SOLE   0 0 21,254
Vanguard Mid Cap Value ET 922908512 10,577 75,280 SH   SOLE   0 0 75,280
Vanguard Msci Us Sm Cap Growth ET 922908595 19,765 68,203 SH   SOLE   0 0 68,203
Vanguard Reit ET 922908553 3,153 30,976 SH   SOLE   0 0 30,976
Vanguard S&P 500 Growth Etf ET 921932505 2,704 10,304 SH   SOLE   0 0 10,304
Vanguard Small Cap ETF ET 922908751 8,840 39,240 SH   SOLE   0 0 39,240
Vanguard Small Cap Value ET 922908611 22,054 126,997 SH   SOLE   0 0 126,997
Vanguard Total Intl ETF ET 921909768 725 11,038 SH   SOLE   0 0 11,038
Vanguard Total Stock Mkt ET 922908769 11,115 49,884 SH   SOLE   0 0 49,884
Vanguard Total World Stock Etf ET 922042742 203 1,961 SH   SOLE   0 0 1,961
ViacomCBS Inc Class B SK 92556H206 304 6,716 SH   SOLE   0 0 6,716
Vulcan Materials Company SK 929160109 297 1,709 SH   SOLE   0 0 1,709
Wal Mart Stores SK 931142103 1,054 7,476 SH   SOLE   0 0 7,476
Walt Disney Co Holding Co SK 254687106 4,367 24,844 SH   SOLE   0 0 24,844