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
ALLSTATE CORP COM 020002101 391 6,302 SH   OTR   6,302 0 0
APPLE INC COM 037833100 349 3,313 SH   OTR   3,062 0 251
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 10,797 502,889 SH   SOLE   471,559 0 31,330
BERKSHIRE HATHAWAY INC DEL CL A 084670108 791 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 201 1,525 SH   OTR   1,525 0 0
CVS HEALTH CORP COM 126650100 213 2,182 SH   OTR   2,182 0 0
CYPRESS SEMICONDUCTOR CORP COM 232806109 102 10,425 SH   OTR   10,425 0 0
DISNEY WALT CO COM DISNEY 254687106 202 1,925 SH   OTR   1,925 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 360 5,400 SH   OTR   5,400 0 0
EXXON MOBIL CORP COM 30231g102 1,426 18,297 SH   OTR   18,297 0 0
FIRST NIAGARA FINL GP INC COM 33582V108 4,525 417,040 SH   OTR   2,577 0 414,463
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 7,963 169,885 SH   SOLE   169,885 0 0
GENERAL ELECTRIC CO COM 369604103 319 10,247 SH   OTR   10,247 0 0
INTEL CORP COM 458140100 243 7,049 SH   OTR   7,049 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,576 154,025 SH   SOLE   154,025 0 0
ISHARES INC CORE MSCI EMKT 46434G103 34,270 870,011 SH   SOLE   846,736 0 23,275
ISHARES TR 0-5 YR TIPS ETF 46429B747 324 3,271 SH   SOLE   3,251 0 20
ISHARES TR 1-3 YR CR BD ETF 464288646 5,318 50,841 SH   SOLE   50,316 0 525
ISHARES TR 1-3 YR TR BD ETF 464287457 1,346 15,950 SH   SOLE   15,950 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661 1,946 15,870 SH   SOLE   15,870 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,499 13,250 SH   SOLE   13,250 0 0
ISHARES TR CORE MSCI EAFE 46432F842 95,841 1,762,431 SH   SOLE   1,762,061 0 370
ISHARES TR CORE S&P MCP ETF 464287507 136,127 977,080 SH   SOLE   966,265 0 10,815
ISHARES TR CORE S&P SCP ETF 464287804 114,759 1,042,218 SH   SOLE   1,031,863 0 10,355
ISHARES TR CORE S&P500 ETF 464287200 264,241 1,289,798 SH   SOLE   1,258,688 0 31,110
ISHARES TR CORE US AGGBD ET 464287226 5,321 49,268 SH   SOLE   48,793 0 475
ISHARES TR EAFE SML CP ETF 464288273 2,223 44,505 SH   SOLE   43,925 0 580
ISHARES TR EAFE VALUE ETF 464288877 2,822 60,653 SH   SOLE   58,878 0 1,775
ISHARES TR FLTG RATE BD ETF 46429B655 54,130 1,073,165 SH   SOLE   1,054,320 0 18,845
ISHARES TR IBOXX INV CP ETF 464287242 1,938 17,000 SH   SOLE   17,000 0 0
ISHARES TR INTL TREA BD ETF 464288117 1,819 20,290 SH   SOLE   20,290 0 0
ISHARES TR INTRM GOV/CR ETF 464288612 280 2,550 SH   SOLE   2,550 0 0
ISHARES TR MBS ETF 464288588 496 4,610 SH   SOLE   4,610 0 0
ISHARES TR MICRO-CAP ETF 464288869 12,174 168,849 SH   SOLE   166,272 0 2,577
ISHARES TR MSCI EAFE ETF 464287465 25,749 438,501 SH   SOLE   432,456 0 6,045
ISHARES TR MSCI EMG MKT ETF 464287234 244 7,565 SH   SOLE   7,565 0 0
ISHARES TR NY AMTFRE MU ETF 464288323 2,101 18,775 SH   SOLE   13,875 0 4,900
ISHARES TR RUS 1000 GRW ETF 464287614 1,796 18,055 SH   SOLE   18,055 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 453 3,255 SH   SOLE   3,255 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 358 3,890 SH   SOLE   3,890 0 0
ISHARES TR RUS MD CP GR ETF 464287481 657 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 350 5,100 SH   SOLE   5,100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 208 1,850 SH   SOLE   1,850 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,786 15,422 SH   SOLE   14,897 0 525
ISHARES TR S&P 500 VAL ETF 464287408 13,138 148,404 SH   SOLE   145,389 0 3,015
ISHARES TR S&P MC 400GR ETF 464287606 3,532 21,941 SH   SOLE   21,941 0 0
ISHARES TR S&P MC 400VL ETF 464287705 3,386 28,891 SH   SOLE   28,891 0 0
ISHARES TR SHRT TRS BD ETF 464288679 3,158 28,650 SH   SOLE   28,650 0 0
ISHARES TR SHT NTLAMTFR ETF 464288158 413 3,900 SH   SOLE   3,900 0 0
ISHARES TR SP SMCP600GR ETF 464287887 2,999 24,125 SH   SOLE   23,630 0 495
ISHARES TR SP SMCP600VL ETF 464287879 2,814 26,018 SH   SOLE   25,443 0 575
ISHARES TR TIPS BD ETF 464287176 6,937 63,247 SH   SOLE   60,657 0 2,590
JOHNSON & JOHNSON COM 478160104 576 5,609 SH   OTR   5,609 0 0
JPMORGAN CHASE & CO COM 46625h100 942 14,261 SH   OTR   14,261 0 0
KIMBERLY CLARK CORP COM 494368103 355 2,785 SH   OTR   2,785 0 0
LOWES COS INC COM 548661107 584 7,680 SH   OTR   7,680 0 0
MARKET VECTORS ETF TR MKTVEC INTMUETF 57060U845 415 17,300 SH   SOLE   17,300 0 0
MERRIMACK PHARMACEUTICALS IN COM 590328100 139 17,532 SH   OTR   17,532 0 0
MICROSOFT CORP COM 594918104 426 7,679 SH   OTR   7,679 0 0
NOVAVAX INC COM 670002104 126 15,040 SH   OTR   15,040 0 0
PAYCHEX INC COM 704326107 4,466 84,439 SH   OTR   84,439 0 0
PEPSICO INC COM 713448108 362 3,619 SH   OTR   3,619 0 0
PFIZER INC COM 717081103 622 19,274 SH   OTR   19,274 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 669 7,300 SH   SOLE   7,300 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 950 18,503 SH   SOLE   18,503 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 3,478 260,355 SH   SOLE   258,355 0 2,000
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 820 32,520 SH   SOLE   32,520 0 0
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 820 32,520 SH   SOLE   32,520 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 467 20,845 SH   SOLE   20,195 0 650
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 667 13,562 SH   SOLE   11,175 0 2,387
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,092 55,980 SH   SOLE   55,980 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,987 108,367 SH   SOLE   108,367 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 463 16,054 SH   SOLE   16,054 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,709 110,846 SH   SOLE   110,846 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 744 17,520 SH   SOLE   17,520 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,443 70,881 SH   SOLE   70,881 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 925 23,073 SH   SOLE   23,073 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 521 13,137 SH   SOLE   13,137 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 867 16,649 SH   SOLE   16,649 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,174 22,103 SH   SOLE   22,103 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 685 3,937 SH   SOLE   3,937 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,604 15,805 SH   SOLE   15,805 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 17,587 449,567 SH   SOLE   444,882 0 4,685
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2,000 62,300 SH   SOLE   62,300 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,769 73,436 SH   SOLE   69,571 0 3,865
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,254 79,837 SH   SOLE   75,362 0 4,475
SPDR S&P 500 ETF TR TR UNIT 78462F103 92,138 451,945 SH   SOLE   444,435 0 7,510
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 729 2,870 SH   SOLE   2,870 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 239 9,300 SH   SOLE   9,300 0 0
SPDR SERIES TRUST BARC SHT TR CP 78464A474 497 16,350 SH   SOLE   16,350 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 31,310 341,706 SH   SOLE   338,276 0 3,430
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 1,368 56,164 SH   SOLE   56,164 0 0
SPDR SERIES TRUST NUVN BRCLY MUNI 78464A458 440 18,039 SH   SOLE   18,039 0 0
SPDR SERIES TRUST SHRT INTL ETF 78464A334 663 22,285 SH   SOLE   22,285 0 0
TOMPKINS FINANCIAL CORPORATI COM 890110109 494 8,796 SH   OTR   8,796 0 0
UBS AG JERSEY BRH ALERIAN INFRST 902641646 396 15,145 SH   SOLE   15,145 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 365 4,400 SH   SOLE   4,400 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,073 26,055 SH   SOLE   26,055 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 34,736 430,117 SH   SOLE   413,012 0 17,105
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,859 137,525 SH   SOLE   130,850 0 6,675
VANGUARD INDEX FDS MID CAP ETF 922908629 2,741 22,821 SH   SOLE   20,971 0 1,850
VANGUARD INDEX FDS REIT ETF 922908553 2,471 30,996 SH   SOLE   30,686 0 310
VANGUARD INDEX FDS SMALL CP ETF 922908751 887 8,014 SH   SOLE   5,064 0 2,950
VANGUARD INDEX FDS TOTAL STK MKT 922908769 321 3,075 SH   SOLE   3,075 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,612 202,130 SH   SOLE   198,705 0 3,425
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 51,568 1,066,547 SH   SOLE   1,051,447 0 15,100
VANGUARD MUN BD FD INC TAX-EXEMPT BD 922907746 413 8,100 SH   SOLE   8,100 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 327 4,135 SH   SOLE   4,135 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 13,058 355,622 SH   SOLE   320,417 0 35,205