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 1,368 14,957 SH   SOLE   0 0 14,957
Alphabet Inc Class A SK 02079K305 330 233 SH   SOLE   0 0 233
Alphabet Inc Class C SK 02079K107 382 270 SH   SOLE   0 0 270
Amazon Com Inc SK 023135106 3,164 1,147 SH   SOLE   0 0 1,147
Analog Devices, Inc. SK 032654105 435 3,547 SH   SOLE   0 0 3,547
Apple Computers SK 037833100 9,010 24,700 SH   SOLE   0 0 24,700
Assurant Inc SK 04621X108 397 3,842 SH   SOLE   0 0 3,842
Barclay's Aggregate Bond Index I-Shares ET 464287226 4,264 36,075 SH   SOLE   0 0 36,075
Berkley W R Corporation SK 084423102 2,441 42,602 SH   SOLE   0 0 42,602
Berkshire Hathaway Cl B SK 084670702 1,235 6,917 SH   SOLE   0 0 6,917
Boston Beer Co Inc Cl A Class A SK 100557107 587 1,094 SH   SOLE   0 0 1,094
Canadian Pac Ltd New F SK 13645T100 472 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,174 9,281 SH   SOLE   0 0 9,281
Charter Communications SK 16119P108 826 1,620 SH   SOLE   0 0 1,620
Cisco Systems Inc SK 17275R102 531 11,383 SH   SOLE   0 0 11,383
Dominos Pizza Inc SK 25754A201 1,339 3,623 SH   SOLE   0 0 3,623
Facebook Inc Class A SK 30303M102 208 916 SH   SOLE   0 0 916
Fidelity Msci Real Estate Index Etf ET 316092857 4,800 205,321 SH   SOLE   0 0 205,321
General Electric Co. SK 369604103 139 20,399 SH   SOLE   0 0 20,399
Gilead Sciences Inc SK 375558103 697 9,059 SH   SOLE   0 0 9,059
Hewlett Packard Co SK 428236103 323 18,537 SH   SOLE   0 0 18,537
Home Depot Inc SK 437076102 273 1,092 SH   SOLE   0 0 1,092
Intel Corp SK 458140100 245 4,090 SH   SOLE   0 0 4,090
Invesco NY Muni AMT Free Mun Bd ETF ET 46138E529 524 20,496 SH   SOLE   0 0 20,496
Invesco National AMT Free Mun Bd ETF ET 46138E537 253 9,511 SH   SOLE   0 0 9,511
Invesco QQQ Trust ET 46090E103 5,360 21,647 SH   SOLE   0 0 21,647
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,535 45,416 SH   SOLE   0 0 45,416
Ishares Barclays Tips Bond Fund ET 464287176 10,107 82,172 SH   SOLE   0 0 82,172
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,180 31,923 SH   SOLE   0 0 31,923
Ishares Core US Growth ET 464287671 634 8,823 SH   SOLE   0 0 8,823
Ishares Core US Value ET 464287663 3,336 63,869 SH   SOLE   0 0 63,869
Ishares Goldman Sachs Tech Index ET 464287549 3,107 11,129 SH   SOLE   0 0 11,129
Ishares Lehman Treas Bond 1-3 Year ET 464287457 722 8,342 SH   SOLE   0 0 8,342
Ishares Morningstar Fund Large Core Inde ET 464287127 321 1,840 SH   SOLE   0 0 1,840
Ishares Morningstar Fund Mid Growth Inde ET 464288307 214 730 SH   SOLE   0 0 730
Ishares Msci Canada Idx Fd ET 464286509 228 8,814 SH   SOLE   0 0 8,814
Ishares Msci Emrg Mkt Fd ET 464287234 3,537 88,454 SH   SOLE   0 0 88,454
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 10,625 160,841 SH   SOLE   0 0 160,841
Ishares Pharmaceutical Index Fund ET 464288836 602 3,915 SH   SOLE   0 0 3,915
Ishares Russell Midcap Index Fund ET 464287499 2,182 40,701 SH   SOLE   0 0 40,701
Ishares Russell Midcap Value Index Fund ET 464287473 12,836 167,729 SH   SOLE   0 0 167,729
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 3,056 14,727 SH   SOLE   0 0 14,727
Ishares S&P Midcap 400 Bar Val ET 464287705 6,501 48,900 SH   SOLE   0 0 48,900
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,618 16,151 SH   SOLE   0 0 16,151
Ishares S&P North Am Fund ET 464287374 855 39,431 SH   SOLE   0 0 39,431
Ishares S&P Smallcap Growth ETF ET 464287887 3,726 21,942 SH   SOLE   0 0 21,942
Ishares S&P Smallcap 600 Value ET 464287879 6,360 52,834 SH   SOLE   0 0 52,834
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,340 52,930 SH   SOLE   0 0 52,930
Ishares Tr Msci Eafe ET 464287465 3,270 53,720 SH   SOLE   0 0 53,720
Ishares Tr Nasdaq Biotech ET 464287556 251 1,839 SH   SOLE   0 0 1,839
Ishares Tr Russell 1000 Growth ET 464287614 899 4,682 SH   SOLE   0 0 4,682
Ishares Tr Russell 1000 Ind ET 464287622 245 1,428 SH   SOLE   0 0 1,428
Ishares Tr Russell 1000 Val ET 464287598 3,046 27,047 SH   SOLE   0 0 27,047
Ishares Tr Russell 2000 Val ET 464287630 1,553 15,932 SH   SOLE   0 0 15,932
Ishares Tr S&P 100 Index ET 464287101 375 2,636 SH   SOLE   0 0 2,636
Ishares Tr S&P 500 Barra Val ET 464287408 6,207 57,365 SH   SOLE   0 0 57,365
Ishares Tr S&P Midcap 400 Ind ET 464287507 9,248 52,006 SH   SOLE   0 0 52,006
Ishares Trust Dow Jones Select Dividend ET 464287168 1,324 16,405 SH   SOLE   0 0 16,405
Ishares Trust S&P 500 Index ET 464287200 8,774 28,330 SH   SOLE   0 0 28,330
Ishares Yield Optimized Bond Etf ET 46434V787 2,979 116,276 SH   SOLE   0 0 116,276
J P Morgan & Co. Inc. SK 46625H100 213 2,265 SH   SOLE   0 0 2,265
Johnson & Johnson SK 478160104 2,112 15,015 SH   SOLE   0 0 15,015
Microsoft Corp SK 594918104 1,355 6,658 SH   SOLE   0 0 6,658
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,866 5,750 SH   SOLE   0 0 5,750
Moodys Corp SK 615369105 924 3,364 SH   SOLE   0 0 3,364
Omnicom Group Inc SK 681919106 465 8,511 SH   SOLE   0 0 8,511
P J T Partners Inc Cl A SK 69343T107 2,411 46,952 SH   SOLE   0 0 46,952
Paychex Inc SK 704326107 620 8,187 SH   SOLE   0 0 8,187
Pepsico SK 713448108 6,835 51,680 SH   SOLE   0 0 51,680
Pfizer Inc SK 717081103 1,416 43,292 SH   SOLE   0 0 43,292
Pimco Active Bond ETF ET 72201R775 2,254 20,198 SH   SOLE   0 0 20,198
Procter & Gamble Co. SK 742718109 1,364 11,409 SH   SOLE   0 0 11,409
Proshares Ultra S&P 500 ET 74347R107 4,445 35,533 SH   SOLE   0 0 35,533
S P D R Trust Unit Sr 1 ET 78462F103 1,733 5,622 SH   SOLE   0 0 5,622
Sch US Reit ETF ET 808524847 319 9,050 SH   SOLE   0 0 9,050
Sch Us Mid-Cap Etf ET 808524508 8,364 158,950 SH   SOLE   0 0 158,950
Schw US Large Cap ETF ET 808524201 2,225 30,033 SH   SOLE   0 0 30,033
Schw Us Brd Mkt Etf ET 808524102 1,212 16,498 SH   SOLE   0 0 16,498
Schw Us Scap Etf ET 808524607 2,742 41,971 SH   SOLE   0 0 41,971
Schwab Emerging Markets Equity Etf ET 808524706 2,779 114,146 SH   SOLE   0 0 114,146
Schwab Intermediate Term Us Trs Etf ET 808524854 712 12,115 SH   SOLE   0 0 12,115
Schwab US Lg Cap Growth ETF ET 808524300 526 5,176 SH   SOLE   0 0 5,176
Schwab US Tips ETF ET 808524870 7,927 132,072 SH   SOLE   0 0 132,072
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,064 28,101 SH   SOLE   0 0 28,101
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 210 9,060 SH   SOLE   0 0 9,060
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 1,310 24,345 SH   SOLE   0 0 24,345
Spdr S&P 600 Small Cap ET 78464A813 4,069 68,937 SH   SOLE   0 0 68,937
Spdr S&P Biotech Etf ET 78464A870 2,968 26,515 SH   SOLE   0 0 26,515
Spdr S&P Dividend Etf ET 78464A763 2,442 26,775 SH   SOLE   0 0 26,775
Vanguard Bond Index Fund Intermediate Te ET 921937819 6,206 66,598 SH   SOLE   0 0 66,598
Vanguard Bond Index Short Term Bond ETF ET 921937827 851 10,235 SH   SOLE   0 0 10,235
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 5,644 68,278 SH   SOLE   0 0 68,278
Vanguard Div Appreciation ETF ET 921908844 10,547 90,005 SH   SOLE   0 0 90,005
Vanguard Emerging Market ET 922042858 528 13,337 SH   SOLE   0 0 13,337
Vanguard Energy Index ET 92204A306 782 15,540 SH   SOLE   0 0 15,540
Vanguard Ftse Developed Markets Etf ET 921943858 306 7,884 SH   SOLE   0 0 7,884
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 1,221 6,043 SH   SOLE   0 0 6,043
Vanguard Info Technology ET 92204A702 1,960 7,033 SH   SOLE   0 0 7,033
Vanguard Mid Cap ET 922908629 2,134 13,021 SH   SOLE   0 0 13,021
Vanguard Mid Cap Growth Etf ET 922908538 2,039 12,353 SH   SOLE   0 0 12,353
Vanguard Mid Cap Value ET 922908512 7,366 76,965 SH   SOLE   0 0 76,965
Vanguard Msci Us Sm Cap Growth ET 922908595 12,725 63,750 SH   SOLE   0 0 63,750
Vanguard Reit ET 922908553 2,733 34,806 SH   SOLE   0 0 34,806
Vanguard Small Cap ETF ET 922908751 4,073 27,950 SH   SOLE   0 0 27,950
Vanguard Small Cap Value ET 922908611 13,859 129,618 SH   SOLE   0 0 129,618
Vanguard Total Intl ETF ET 921909768 555 11,294 SH   SOLE   0 0 11,294
Vanguard Total Stock Mkt ET 922908769 7,862 50,230 SH   SOLE   0 0 50,230
Wal Mart Stores SK 931142103 963 8,041 SH   SOLE   0 0 8,041
Walt Disney Co Holding Co SK 254687106 2,664 23,891 SH   SOLE   0 0 23,891