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 858 15,041 SH   SOLE   0 0 15,041
Abbvie Inc SK 00287Y109 961 9,935 SH   SOLE   0 0 9,935
Alphabet Inc Class A SK 02079K305 258 245 SH   SOLE   0 0 245
Alphabet Inc Class C SK 02079K107 289 276 SH   SOLE   0 0 276
Amazon Com Inc SK 023135106 531 454 SH   SOLE   0 0 454
Analog Devices, Inc. SK 032654105 300 3,371 SH   SOLE   0 0 3,371
Apple Computers SK 037833100 4,032 23,823 SH   SOLE   0 0 23,823
Assurant Inc SK 04621X108 220 2,184 SH   SOLE   0 0 2,184
Barclay's Aggregate Bond Index I-Shares ET 464287226 10,562 96,604 SH   SOLE   0 0 96,604
Berkley W R Corporation SK 084423102 2,967 41,412 SH   SOLE   0 0 41,412
Berkshire Hathaway Cl B SK 084670702 1,283 6,472 SH   SOLE   0 0 6,472
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 595 200 SH   SOLE   0 0 200
Biogen Idec Inc SK 09062X103 201 632 SH   SOLE   0 0 632
Boston Beer Co Inc Cl A Class A SK 100557107 209 1,094 SH   SOLE   0 0 1,094
CBS Corporation Cl B SK 124857202 364 6,177 SH   SOLE   0 0 6,177
Canadian Pac Ltd New F SK 13645T100 338 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,473 9,349 SH   SOLE   0 0 9,349
Charter Communications SK 16119P108 411 1,222 SH   SOLE   0 0 1,222
Chevrontexaco SK 166764100 315 2,518 SH   SOLE   0 0 2,518
Cisco Systems Inc SK 17275R102 491 12,815 SH   SOLE   0 0 12,815
Darden Restaurants SK 237194105 254 2,646 SH   SOLE   0 0 2,646
Dominos Pizza Inc SK 25754A201 722 3,820 SH   SOLE   0 0 3,820
Exxon Corporation SK 30231G102 466 5,572 SH   SOLE   0 0 5,572
General Electric Co. SK 369604103 636 36,469 SH   SOLE   0 0 36,469
Home Depot Inc SK 437076102 240 1,268 SH   SOLE   0 0 1,268
International Business Machines SK 459200101 804 5,242 SH   SOLE   0 0 5,242
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,898 55,872 SH   SOLE   0 0 55,872
Ishares Barclays Tips Bond Fund ET 464287176 9,791 85,822 SH   SOLE   0 0 85,822
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,322 30,235 SH   SOLE   0 0 30,235
Ishares Core US Growth ET 464287671 548 10,196 SH   SOLE   0 0 10,196
Ishares Core US Value ET 464287663 3,741 67,530 SH   SOLE   0 0 67,530
Ishares Goldman Sachs Tech Index ET 464287549 2,081 12,331 SH   SOLE   0 0 12,331
Ishares Lehman Treas Bond 1-3 Year ET 464287457 931 11,098 SH   SOLE   0 0 11,098
Ishares Morningstar Fund Large Core Inde ET 464287127 359 2,258 SH   SOLE   0 0 2,258
Ishares Morningstar Small-Cap Value Etf ET 464288703 274 1,799 SH   SOLE   0 0 1,799
Ishares Msci Canada Idx Fd ET 464286509 270 9,118 SH   SOLE   0 0 9,118
Ishares Msci Emrg Mkt Fd ET 464287234 4,302 91,290 SH   SOLE   0 0 91,290
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 4,665 63,919 SH   SOLE   0 0 63,919
Ishares Pharmaceutical Index Fund ET 464288836 970 6,282 SH   SOLE   0 0 6,282
Ishares Russell Midcap Index Fund ET 464287499 1,986 9,541 SH   SOLE   0 0 9,541
Ishares Russell Midcap Value Index Fund ET 464287473 14,989 168,134 SH   SOLE   0 0 168,134
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,428 15,895 SH   SOLE   0 0 15,895
Ishares S&P Midcap 400 Bar Val ET 464287705 8,440 52,713 SH   SOLE   0 0 52,713
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,747 17,359 SH   SOLE   0 0 17,359
Ishares S&P North Am Fund ET 464287374 1,594 44,984 SH   SOLE   0 0 44,984
Ishares S&P Smallcap Growth ETF ET 464287887 4,119 24,206 SH   SOLE   0 0 24,206
Ishares S&P Smallcap 600 Value ET 464287879 8,432 54,908 SH   SOLE   0 0 54,908
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,331 52,616 SH   SOLE   0 0 52,616
Ishares Tr Msci Eafe ET 464287465 3,747 53,298 SH   SOLE   0 0 53,298
Ishares Tr Russell 1000 Growth ET 464287614 918 6,815 SH   SOLE   0 0 6,815
Ishares Tr Russell 1000 Ind ET 464287622 202 1,363 SH   SOLE   0 0 1,363
Ishares Tr Russell 1000 Val ET 464287598 6,014 48,368 SH   SOLE   0 0 48,368
Ishares Tr Russell 2000 Val ET 464287630 2,379 18,916 SH   SOLE   0 0 18,916
Ishares Tr S&P 100 Index ET 464287101 305 2,569 SH   SOLE   0 0 2,569
Ishares Tr S&P 500 Barra Val ET 464287408 8,129 71,159 SH   SOLE   0 0 71,159
Ishares Tr S&P Midcap 400 Ind ET 464287507 9,415 49,612 SH   SOLE   0 0 49,612
Ishares Trust Dow Jones Select Dividend ET 464287168 3,012 30,558 SH   SOLE   0 0 30,558
Ishares Trust S&P 500 Index ET 464287200 6,438 23,946 SH   SOLE   0 0 23,946
J P Morgan & Co. Inc. SK 46625H100 331 3,099 SH   SOLE   0 0 3,099
Johnson & Johnson SK 478160104 3,257 23,313 SH   SOLE   0 0 23,313
Microsoft Corp SK 594918104 253 2,953 SH   SOLE   0 0 2,953
Mid Cap S P D R Trust Unit Ser ET 78467Y107 2,038 5,901 SH   SOLE   0 0 5,901
Omnicom Group Inc SK 681919106 1,011 13,876 SH   SOLE   0 0 13,876
P J T Partners Inc Cl A SK 69343T107 2,271 49,804 SH   SOLE   0 0 49,804
Paychex Inc SK 704326107 541 7,950 SH   SOLE   0 0 7,950
Pepsico SK 713448108 8,035 67,000 SH   SOLE   0 0 67,000
Pfizer Inc SK 717081103 1,324 36,566 SH   SOLE   0 0 36,566
Pimco Exch Traded Fund Total Return ET 72201R775 3,918 36,962 SH   SOLE   0 0 36,962
Powershares QQQ Trust, Ser 1 ET 73935A104 737 4,733 SH   SOLE   0 0 4,733
Powershs Ins National Muni Bond ETF ET 73936T474 1,027 39,803 SH   SOLE   0 0 39,803
Powershs Insured NY Muni Bond ETF ET 73936T458 1,050 42,563 SH   SOLE   0 0 42,563
Procter & Gamble Co. SK 742718109 1,046 11,381 SH   SOLE   0 0 11,381
Proshares Ultra S&P 500 ET 74347R107 3,865 35,321 SH   SOLE   0 0 35,321
S P D R Trust Unit Sr 1 ET 78462F103 1,572 5,890 SH   SOLE   0 0 5,890
Sch Us Mid-Cap Etf ET 808524508 5,714 107,261 SH   SOLE   0 0 107,261
Sch Us Reit Etf ET 808524847 509 12,228 SH   SOLE   0 0 12,228
Schw US Large Cap ETF ET 808524201 1,204 18,881 SH   SOLE   0 0 18,881
Schw Us Brd Mkt Etf ET 808524102 1,406 21,799 SH   SOLE   0 0 21,799
Schw Us Scap Etf ET 808524607 2,663 38,190 SH   SOLE   0 0 38,190
Schwab Intermediate Term Us Trs Etf ET 808524854 643 12,060 SH   SOLE   0 0 12,060
Schwab US Tips ETF ET 808524870 3,912 70,584 SH   SOLE   0 0 70,584
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,925 26,647 SH   SOLE   0 0 26,647
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 268 9,597 SH   SOLE   0 0 9,597
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 1,201 7,727 SH   SOLE   0 0 7,727
Spdr S&P 600 Small Cap ET 78464A813 4,790 36,016 SH   SOLE   0 0 36,016
Spdr S&P Biotech Etf ET 78464A870 2,296 27,052 SH   SOLE   0 0 27,052
Spdr S&P Dividend Etf ET 78464A763 2,837 30,023 SH   SOLE   0 0 30,023
Vanguard Bond Index Fund Intermediate Te ET 921937819 1,821 21,724 SH   SOLE   0 0 21,724
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,134 26,975 SH   SOLE   0 0 26,975
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 3,439 43,370 SH   SOLE   0 0 43,370
Vanguard Div Appreciation ETF ET 921908844 9,039 88,596 SH   SOLE   0 0 88,596
Vanguard Emerging Market ET 922042858 561 12,219 SH   SOLE   0 0 12,219
Vanguard Energy Index ET 92204A306 1,487 15,024 SH   SOLE   0 0 15,024
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 886 6,302 SH   SOLE   0 0 6,302
Vanguard Info Technology ET 92204A702 1,176 7,141 SH   SOLE   0 0 7,141
Vanguard Mid Cap Value ET 922908512 6,275 56,245 SH   SOLE   0 0 56,245
Vanguard Msci Us Sm Cap Growth ET 922908595 7,505 46,658 SH   SOLE   0 0 46,658
Vanguard Reit ET 922908553 2,632 31,715 SH   SOLE   0 0 31,715
Vanguard Small Cap Value ET 922908611 11,633 87,609 SH   SOLE   0 0 87,609
Vanguard Total Bond Market Index ETF ET 921937835 421 5,159 SH   SOLE   0 0 5,159
Vanguard Total Stock Mkt ET 922908769 6,014 43,814 SH   SOLE   0 0 43,814
Vulcan Materials Company SK 929160109 250 1,947 SH   SOLE   0 0 1,947
Wal Mart Stores SK 931142103 962 9,742 SH   SOLE   0 0 9,742
Walt Disney Co Holding Co SK 254687106 2,218 20,634 SH   SOLE   0 0 20,634