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 1,228 15,359 SH   SOLE   0 0 15,359
Abbvie Inc SK 00287Y109 805 9,992 SH   SOLE   0 0 9,992
Alphabet Inc Class A SK 02079K305 274 233 SH   SOLE   0 0 233
Alphabet Inc Class C SK 02079K107 317 270 SH   SOLE   0 0 270
Amazon Com Inc SK 023135106 801 450 SH   SOLE   0 0 450
Analog Devices, Inc. SK 032654105 364 3,458 SH   SOLE   0 0 3,458
Apple Computers SK 037833100 4,637 24,411 SH   SOLE   0 0 24,411
Assurant Inc SK 04621X108 205 2,164 SH   SOLE   0 0 2,164
Barclay's Aggregate Bond Index I-Shares ET 464287226 3,896 35,723 SH   SOLE   0 0 35,723
Berkley W R Corporation SK 084423102 2,872 33,898 SH   SOLE   0 0 33,898
Berkshire Hathaway Cl B SK 084670702 1,137 5,658 SH   SOLE   0 0 5,658
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 602 200 SH   SOLE   0 0 200
Boston Beer Co Inc Cl A Class A SK 100557107 322 1,094 SH   SOLE   0 0 1,094
CBS Corporation Cl B SK 124857202 308 6,483 SH   SOLE   0 0 6,483
Canadian Pac Ltd New F SK 13645T100 381 1,850 SH   SOLE   0 0 1,850
Caterpillar Inc SK 149123101 1,296 9,567 SH   SOLE   0 0 9,567
Charter Communications SK 16119P108 827 2,384 SH   SOLE   0 0 2,384
Chevrontexaco SK 166764100 260 2,110 SH   SOLE   0 0 2,110
Cisco Systems Inc SK 17275R102 710 13,143 SH   SOLE   0 0 13,143
Darden Restaurants SK 237194105 334 2,750 SH   SOLE   0 0 2,750
Dominos Pizza Inc SK 25754A201 563 2,181 SH   SOLE   0 0 2,181
Exxon Corporation SK 30231G102 402 4,978 SH   SOLE   0 0 4,978
General Electric Co. SK 369604103 359 35,904 SH   SOLE   0 0 35,904
International Business Machines SK 459200101 783 5,550 SH   SOLE   0 0 5,550
Invesco NY Muni AMT Free Mun Bd ETF ET 73936T458 249 10,146 SH   SOLE   0 0 10,146
Invesco National AMT Free Mun Bd ETF ET 73936T474 374 14,587 SH   SOLE   0 0 14,587
Invesco QQQ Trust ET 73935A104 1,581 8,802 SH   SOLE   0 0 8,802
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 4,778 44,797 SH   SOLE   0 0 44,797
Ishares Barclays Tips Bond Fund ET 464287176 9,562 84,566 SH   SOLE   0 0 84,566
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,360 30,591 SH   SOLE   0 0 30,591
Ishares Core US Growth ET 464287671 525 8,705 SH   SOLE   0 0 8,705
Ishares Core US Value ET 464287663 3,486 63,576 SH   SOLE   0 0 63,576
Ishares Goldman Sachs Tech Index ET 464287549 2,430 11,785 SH   SOLE   0 0 11,785
Ishares Lehman Treas Bond 1-3 Year ET 464287457 721 8,568 SH   SOLE   0 0 8,568
Ishares Morningstar Fund Large Core Inde ET 464287127 370 2,310 SH   SOLE   0 0 2,310
Ishares Morningstar Small-Cap Value Etf ET 464288703 246 1,785 SH   SOLE   0 0 1,785
Ishares Msci Canada Idx Fd ET 464286509 246 8,890 SH   SOLE   0 0 8,890
Ishares Msci Emrg Mkt Fd ET 464287234 3,926 91,471 SH   SOLE   0 0 91,471
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 6,394 88,802 SH   SOLE   0 0 88,802
Ishares Pharmaceutical Index Fund ET 464288836 982 6,380 SH   SOLE   0 0 6,380
Ishares Russell Midcap Index Fund ET 464287499 2,179 40,384 SH   SOLE   0 0 40,384
Ishares Russell Midcap Value Index Fund ET 464287473 14,513 167,090 SH   SOLE   0 0 167,090
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,641 15,322 SH   SOLE   0 0 15,322
Ishares S&P Midcap 400 Bar Val ET 464287705 7,903 50,349 SH   SOLE   0 0 50,349
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,605 16,452 SH   SOLE   0 0 16,452
Ishares S&P North Am Fund ET 464287374 1,387 44,196 SH   SOLE   0 0 44,196
Ishares S&P Smallcap Growth ETF ET 464287887 4,263 23,888 SH   SOLE   0 0 23,888
Ishares S&P Smallcap 600 Value ET 464287879 8,034 54,451 SH   SOLE   0 0 54,451
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,921 53,247 SH   SOLE   0 0 53,247
Ishares Tr Msci Eafe ET 464287465 3,495 53,882 SH   SOLE   0 0 53,882
Ishares Tr Nasdaq Biotech ET 464287556 212 1,898 SH   SOLE   0 0 1,898
Ishares Tr Russell 1000 Growth ET 464287614 837 5,531 SH   SOLE   0 0 5,531
Ishares Tr Russell 1000 Ind ET 464287622 219 1,395 SH   SOLE   0 0 1,395
Ishares Tr Russell 1000 Val ET 464287598 5,855 47,411 SH   SOLE   0 0 47,411
Ishares Tr Russell 2000 Val ET 464287630 2,051 17,107 SH   SOLE   0 0 17,107
Ishares Tr S&P 100 Index ET 464287101 326 2,602 SH   SOLE   0 0 2,602
Ishares Tr S&P 500 Barra Val ET 464287408 7,965 70,649 SH   SOLE   0 0 70,649
Ishares Tr S&P Midcap 400 Ind ET 464287507 9,461 49,955 SH   SOLE   0 0 49,955
Ishares Trust Dow Jones Select Dividend ET 464287168 2,734 27,843 SH   SOLE   0 0 27,843
Ishares Trust S&P 500 Index ET 464287200 7,917 27,822 SH   SOLE   0 0 27,822
J P Morgan & Co. Inc. SK 46625H100 274 2,702 SH   SOLE   0 0 2,702
Johnson & Johnson SK 478160104 3,324 23,780 SH   SOLE   0 0 23,780
Microsoft Corp SK 594918104 385 3,266 SH   SOLE   0 0 3,266
Mid Cap S P D R Trust Unit Ser ET 78467Y107 2,005 5,804 SH   SOLE   0 0 5,804
Omnicom Group Inc SK 681919106 942 12,912 SH   SOLE   0 0 12,912
P J T Partners Inc Cl A SK 69343T107 1,977 47,305 SH   SOLE   0 0 47,305
Paychex Inc SK 704326107 663 8,266 SH   SOLE   0 0 8,266
Pepsico SK 713448108 7,582 61,871 SH   SOLE   0 0 61,871
Pfizer Inc SK 717081103 1,896 44,653 SH   SOLE   0 0 44,653
Pimco Active Bond ETF ET 72201R775 2,142 20,294 SH   SOLE   0 0 20,294
Procter & Gamble Co. SK 742718109 1,188 11,415 SH   SOLE   0 0 11,415
Proshares Ultra S&P 500 ET 74347R107 4,065 34,507 SH   SOLE   0 0 34,507
S P D R Trust Unit Sr 1 ET 78462F103 1,686 5,968 SH   SOLE   0 0 5,968
Sch Us Mid-Cap Etf ET 808524508 7,150 129,077 SH   SOLE   0 0 129,077
Sch Us Reit Etf ET 808524847 546 12,296 SH   SOLE   0 0 12,296
Schw US Large Cap ETF ET 808524201 1,399 20,695 SH   SOLE   0 0 20,695
Schw Us Brd Mkt Etf ET 808524102 1,512 22,222 SH   SOLE   0 0 22,222
Schw Us Scap Etf ET 808524607 2,862 40,931 SH   SOLE   0 0 40,931
Schwab Emerging Markets Equity Etf ET 808524706 278 10,672 SH   SOLE   0 0 10,672
Schwab Intermediate Term Us Trs Etf ET 808524854 650 12,080 SH   SOLE   0 0 12,080
Schwab US Tips ETF ET 808524870 4,558 82,866 SH   SOLE   0 0 82,866
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,883 28,480 SH   SOLE   0 0 28,480
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 251 9,753 SH   SOLE   0 0 9,753
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 1,235 23,504 SH   SOLE   0 0 23,504
Spdr S&P 600 Small Cap ET 78464A813 4,825 72,376 SH   SOLE   0 0 72,376
Spdr S&P Biotech Etf ET 78464A870 2,426 26,796 SH   SOLE   0 0 26,796
Spdr S&P Dividend Etf ET 78464A763 3,148 31,666 SH   SOLE   0 0 31,666
Vanguard Bond Index Fund Intermediate Te ET 921937819 1,359 16,198 SH   SOLE   0 0 16,198
Vanguard Bond Index Short Term Bond ETF ET 921937827 842 10,580 SH   SOLE   0 0 10,580
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 1,772 22,219 SH   SOLE   0 0 22,219
Vanguard Div Appreciation ETF ET 921908844 9,354 85,320 SH   SOLE   0 0 85,320
Vanguard Emerging Market ET 922042858 539 12,680 SH   SOLE   0 0 12,680
Vanguard Energy Index ET 92204A306 1,372 15,353 SH   SOLE   0 0 15,353
Vanguard Ftse Developed Markets Etf ET 921943858 270 6,605 SH   SOLE   0 0 6,605
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 992 6,343 SH   SOLE   0 0 6,343
Vanguard Info Technology ET 92204A702 1,415 7,050 SH   SOLE   0 0 7,050
Vanguard Mid Cap Value ET 922908512 6,923 64,174 SH   SOLE   0 0 64,174
Vanguard Msci Us Sm Cap Growth ET 922908595 8,713 48,480 SH   SOLE   0 0 48,480
Vanguard Reit ET 922908553 3,007 34,600 SH   SOLE   0 0 34,600
Vanguard Small Cap ETF ET 922908751 753 4,927 SH   SOLE   0 0 4,927
Vanguard Small Cap Value ET 922908611 13,467 104,616 SH   SOLE   0 0 104,616
Vanguard Total Stock Mkt ET 922908769 6,747 46,622 SH   SOLE   0 0 46,622
Vulcan Materials Company SK 929160109 233 1,971 SH   SOLE   0 0 1,971
Wal Mart Stores SK 931142103 940 9,642 SH   SOLE   0 0 9,642
Walt Disney Co Holding Co SK 254687106 2,731 24,595 SH   SOLE   0 0 24,595