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 799 14,972 SH   SOLE   0 0 14,972
Abbvie Inc SK 00287Y109 882 9,927 SH   SOLE   0 0 9,927
Alphabet Inc Class A SK 38259P508 239 245 SH   SOLE   0 0 245
Alphabet Inc Class C SK 38259P706 236 246 SH   SOLE   0 0 246
Amazon Com Inc SK 023135106 438 456 SH   SOLE   0 0 456
Analog Devices, Inc. SK 032654105 289 3,353 SH   SOLE   0 0 3,353
Apple Computers SK 037833100 3,636 23,590 SH   SOLE   0 0 23,590
Assurant Inc SK 04621X108 275 2,876 SH   SOLE   0 0 2,876
Barclay's Aggregate Bond Index I-Shares ET 464287226 10,555 96,317 SH   SOLE   0 0 96,317
Berkley W R Corporation SK 084423102 2,853 42,754 SH   SOLE   0 0 42,754
Berkshire Hathaway Cl B SK 084670702 1,224 6,679 SH   SOLE   0 0 6,679
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 549 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 357 6,158 SH   SOLE   0 0 6,158
Canadian Pac Ltd New F SK 13645T100 311 1,850 SH   SOLE   0 0 1,850
Casavant Intl Mng Corp Restricted SK 125809996 0 29,440 SH   SOLE   0 0 29,440
Caterpillar Inc SK 149123101 1,221 9,793 SH   SOLE   0 0 9,793
Charter Communications SK 16117M305 444 1,222 SH   SOLE   0 0 1,222
Chevrontexaco SK 166764100 276 2,352 SH   SOLE   0 0 2,352
Cisco Systems Inc SK 17275R102 427 12,708 SH   SOLE   0 0 12,708
Darden Restaurants SK 237194105 259 3,282 SH   SOLE   0 0 3,282
Dominos Pizza Inc SK 25754A201 2,203 11,096 SH   SOLE   0 0 11,096
Exxon Corporation SK 30231G102 790 9,642 SH   SOLE   0 0 9,642
General Electric Co. SK 369604103 679 28,102 SH   SOLE   0 0 28,102
Home Depot Inc SK 437076102 206 1,262 SH   SOLE   0 0 1,262
International Business Machines SK 459200101 794 5,472 SH   SOLE   0 0 5,472
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,932 55,685 SH   SOLE   0 0 55,685
Ishares Barclays Tips Bond Fund ET 464287176 9,840 86,637 SH   SOLE   0 0 86,637
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,216 29,864 SH   SOLE   0 0 29,864
Ishares Core US Growth ET 464287671 511 10,126 SH   SOLE   0 0 10,126
Ishares Core US Value ET 464287663 3,601 68,778 SH   SOLE   0 0 68,778
Ishares Goldman Sachs Tech Index ET 464287549 1,909 12,297 SH   SOLE   0 0 12,297
Ishares Lehman Treas Bond 1-3 Year ET 464287457 934 11,055 SH   SOLE   0 0 11,055
Ishares Morningstar Fund Large Core Ind e ET 464287127 337 2,238 SH   SOLE   0 0 2,238
Ishares Morningstar Small-Cap Value Etf ET 464288703 262 1,785 SH   SOLE   0 0 1,785
Ishares Msci Canada Idx Fd ET 464286509 261 9,011 SH   SOLE   0 0 9,011
Ishares Msci Emrg Mkt Fd ET 464287234 4,048 90,327 SH   SOLE   0 0 90,327
Ishares Msci Etf Eafe Minimum Volatilit y ET 46429B689 4,045 56,927 SH   SOLE   0 0 56,927
Ishares Pharmaceutical Index Fund ET 464288836 977 6,250 SH   SOLE   0 0 6,250
Ishares Russell Midcap Index Fund ET 464287499 1,792 9,089 SH   SOLE   0 0 9,089
Ishares Russell Midcap Value Index Fund ET 464287473 14,068 165,644 SH   SOLE   0 0 165,644
Ishares S&P 500 Growth S&P 500 Growth I n ET 464287309 2,264 15,787 SH   SOLE   0 0 15,787
Ishares S&P Midcap 400 Bar Val ET 464287705 8,061 52,777 SH   SOLE   0 0 52,777
Ishares S&P Midcap 400 Growth Index Fun d ET 464287606 3,589 17,738 SH   SOLE   0 0 17,738
Ishares S&P North Am Fund ET 464287374 1,628 48,364 SH   SOLE   0 0 48,364
Ishares S&P Smallcap Growth ETF ET 464287887 3,961 24,083 SH   SOLE   0 0 24,083
Ishares S&P Smallcap 600 Value ET 464287879 8,114 54,712 SH   SOLE   0 0 54,712
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,216 51,820 SH   SOLE   0 0 51,820
Ishares Tr Msci Eafe ET 464287465 3,629 52,997 SH   SOLE   0 0 52,997
Ishares Tr Nasdaq Biotech ET 464287556 203 610 SH   SOLE   0 0 610
Ishares Tr Russell 1000 Growth ET 464287614 848 6,780 SH   SOLE   0 0 6,780
Ishares Tr Russell 1000 Val ET 464287598 5,781 48,780 SH   SOLE   0 0 48,780
Ishares Tr Russell 2000 Val ET 464287630 2,392 19,268 SH   SOLE   0 0 19,268
Ishares Tr S&P 100 Index ET 464287101 285 2,557 SH   SOLE   0 0 2,557
Ishares Tr S&P 500 Barra Val ET 464287408 7,773 72,034 SH   SOLE   0 0 72,034
Ishares Tr S&P Midcap 400 Ind ET 464287507 8,775 49,049 SH   SOLE   0 0 49,049
Ishares Trust Dow Jones Select Dividend ET 464287168 2,865 30,595 SH   SOLE   0 0 30,595
Ishares Trust S&P 500 Index ET 464287200 5,889 23,284 SH   SOLE   0 0 23,284
J P Morgan & Co. Inc. SK 46625H100 271 2,832 SH   SOLE   0 0 2,832
Johnson & Johnson SK 478160104 3,048 23,443 SH   SOLE   0 0 23,443
Microsoft Corp SK 594918104 234 3,137 SH   SOLE   0 0 3,137
Mid Cap S P D R Trust Unit Ser ET 78467Y107 2,026 6,210 SH   SOLE   0 0 6,210
Omnicom Group Inc SK 681919106 1,022 13,792 SH   SOLE   0 0 13,792
P J T Partners Inc Cl A SK 69343T107 1,908 49,804 SH   SOLE   0 0 49,804
Paychex Inc SK 704326107 541 9,023 SH   SOLE   0 0 9,023
Pepsico SK 713448108 7,493 67,242 SH   SOLE   0 0 67,242
Pfizer Inc SK 717081103 1,344 37,653 SH   SOLE   0 0 37,653
Pimco Exch Traded Fund Total Return ET 72201R775 3,064 28,705 SH   SOLE   0 0 28,705
Pimco Municipal Income ET 72200W106 190 14,413 SH   SOLE   0 0 14,413
Powershares QQQ Trust, Ser 1 ET 73935A104 687 4,723 SH   SOLE   0 0 4,723
Powershs Ins National Muni Bond ETF ET 73936T474 1,012 39,611 SH   SOLE   0 0 39,611
Powershs Insured NY Muni Bond ETF ET 73936T458 1,038 42,475 SH   SOLE   0 0 42,475
Procter & Gamble Co. SK 742718109 1,130 12,420 SH   SOLE   0 0 12,420
Proshares Ultra S&P 500 ET 74347R107 3,439 35,545 SH   SOLE   0 0 35,545
S P D R Trust Unit Sr 1 ET 78462F103 1,494 5,949 SH   SOLE   0 0 5,949
Sch Us Mid-Cap Etf ET 808524508 5,185 103,471 SH   SOLE   0 0 103,471
Sch Us Reit Etf ET 808524847 499 12,137 SH   SOLE   0 0 12,137
Schw US Large Cap ETF ET 808524201 1,051 17,500 SH   SOLE   0 0 17,500
Schw Us Brd Mkt Etf ET 808524102 1,320 21,664 SH   SOLE   0 0 21,664
Schw Us Scap Etf ET 808524607 2,487 36,922 SH   SOLE   0 0 36,922
Schwab Intermediate Term Us Trs Etf ET 808524854 648 12,011 SH   SOLE   0 0 12,011
Schwab US Tips ETF ET 808524870 3,218 58,239 SH   SOLE   0 0 58,239
Sector Spdr Engy Select Shares Of Benef i ET 81369Y506 1,859 27,141 SH   SOLE   0 0 27,141
Sector Spdr Fincl Select Shares Of Bene f ET 81369Y605 247 9,566 SH   SOLE   0 0 9,566
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 1,123 7,615 SH   SOLE   0 0 7,615
Spdr S&P 600 Small Cap ET 78464A813 4,538 34,882 SH   SOLE   0 0 34,882
Spdr S&P Biotech Etf ET 78464A870 2,453 28,338 SH   SOLE   0 0 28,338
Spdr S&P Dividend Etf ET 78464A763 2,605 28,519 SH   SOLE   0 0 28,519
Vanguard Bond Index Fund Intermediate T e ET 921937819 2,554 30,172 SH   SOLE   0 0 30,172
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,662 33,346 SH   SOLE   0 0 33,346
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,102 51,193 SH   SOLE   0 0 51,193
Vanguard Div Appreciation ETF ET 921908844 8,516 89,842 SH   SOLE   0 0 89,842
Vanguard Emerging Market ET 922042858 528 12,120 SH   SOLE   0 0 12,120
Vanguard Energy Index ET 92204A306 2,135 22,811 SH   SOLE   0 0 22,811
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 834 6,283 SH   SOLE   0 0 6,283
Vanguard Info Technology ET 92204A702 1,080 7,103 SH   SOLE   0 0 7,103
Vanguard Mid Cap Value ET 922908512 5,739 54,325 SH   SOLE   0 0 54,325
Vanguard Msci Us Sm Cap Growth ET 922908595 7,140 46,780 SH   SOLE   0 0 46,780
Vanguard Reit ET 922908553 2,372 28,546 SH   SOLE   0 0 28,546
Vanguard Small Cap Value ET 922908611 10,870 85,062 SH   SOLE   0 0 85,062
Vanguard Total Bond Market Index ETF ET 921937835 420 5,125 SH   SOLE   0 0 5,125
Vanguard Total Stock Mkt ET 922908769 5,625 43,431 SH   SOLE   0 0 43,431
Vulcan Materials Company SK 929160109 232 1,943 SH   SOLE   0 0 1,943
Wal Mart Stores SK 931142103 767 9,820 SH   SOLE   0 0 9,820
Walt Disney Co Holding Co SK 254687106 2,021 20,502 SH   SOLE   0 0 20,502