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 603 6,822 SH   OTR   6,822 0 0
ALTRIA GROUP INC COM 02209s103 239 3,212 SH   OTR   3,212 0 0
APPLE INC COM 037833100 535 3,715 SH   OTR   3,458 0 257
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,019 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 544 3,214 SH   OTR   3,214 0 0
CORNING INC COM 219350105 207 6,900 SH   OTR   6,900 0 0
DISNEY WALT CO COM DISNEY 254687106 231 2,177 SH   OTR   2,177 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 436 5,400 SH   OTR   5,400 0 0
EXXON MOBIL CORP COM 30231g102 1,525 18,890 SH   OTR   18,890 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 2,978 61,549 SH   SOLE   60,239 0 1,310
GENERAL ELECTRIC CO COM 369604103 419 15,505 SH   OTR   15,505 0 0
RYDEX ETF TRUST GUG S&P500 PU VA 78355W304 621 10,430 SH   SOLE   8,480 0 1,950
INTEL CORP COM 458140100 223 6,600 SH   OTR   6,600 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 1,819 80,240 SH   SOLE   77,610 0 2,630
ISHARES TR 1-3 YR CR BD ETF 464288646 1,525 14,481 SH   SOLE   14,481 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,042 10,378 SH   SOLE   10,258 0 120
ISHARES TR 1-3 YR TR BD ETF 464287457 1,589 18,810 SH   SOLE   18,810 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661 3,333 26,975 SH   SOLE   26,975 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,495 13,150 SH   SOLE   13,150 0 0
ISHARES TR MBS ETF 464288588 1,222 11,445 SH   SOLE   11,445 0 0
ISHARES TR SHRT TRS BD ETF 464288679 1,534 13,900 SH   SOLE   13,900 0 0
ISHARES TR CORE MSCI EAFE 46432F842 187,748 3,083,390 SH   SOLE   3,079,286 0 4,104
ISHARES INC CORE MSCI EMKT 46434G103 66,332 1,325,573 SH   SOLE   1,324,565 0 1,007
ISHARES TR CORE S&P500 ETF 464287200 355,251 1,459,476 SH   SOLE   1,456,147 0 3,328
ISHARES TR CORE S&P MCP ETF 464287507 185,604 1,066,995 SH   SOLE   1,063,872 0 3,123
ISHARES TR CORE S&P SCP ETF 464287804 156,176 2,227,582 SH   SOLE   2,221,432 0 6,150
ISHARES TR CORE US AGGBD ET 464287226 11,249 102,722 SH   SOLE   102,236 0 486
ISHARES TR FLTG RATE BD ETF 46429B655 122,853 2,412,663 SH   SOLE   2,391,620 0 21,042
ISHARES GOLD TRUST ISHARES 464285105 1,486 124,425 SH   SOLE   124,425 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,266 18,800 SH   SOLE   18,800 0 0
ISHARES TR INTL TREA BD ETF 464288117 2,893 30,240 SH   SOLE   30,240 0 0
ISHARES TR JP MOR EM MK ETF 464288281 526 4,600 SH   SOLE   4,600 0 0
ISHARES TR MICRO-CAP ETF 464288869 11,149 125,363 SH   SOLE   124,213 0 1,150
ISHARES TR MSCI EAFE ETF 464287465 18,050 276,836 SH   SOLE   271,641 0 5,195
ISHARES TR EAFE SML CP ETF 464288273 3,885 67,169 SH   SOLE   66,339 0 830
ISHARES TR EAFE VALUE ETF 464288877 4,358 84,299 SH   SOLE   80,309 0 3,990
ISHARES EM MKT SM-CP ETF 464286475 212 4,525 SH   SOLE   4,525 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 428 10,329 SH   SOLE   10,329 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,128 17,880 SH   SOLE   17,880 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 545 3,230 SH   SOLE   3,230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 261 1,850 SH   SOLE   1,850 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 453 3,815 SH   SOLE   3,815 0 0
ISHARES TR RUS MD CP GR ETF 464287481 773 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 582 6,925 SH   SOLE   6,925 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,433 7,290 SH   SOLE   7,290 0 0
ISHARES TR S&P MC 400VL ETF 464287705 32,386 218,015 SH   SOLE   217,515 0 500
ISHARES TR S&P 500 GRWT ETF 464287309 1,315 9,612 SH   SOLE   9,512 0 100
ISHARES TR S&P 500 VAL ETF 464287408 12,110 115,375 SH   SOLE   112,781 0 2,595
ISHARES TR SP SMCP600GR ETF 464287887 1,483 9,509 SH   SOLE   9,059 0 450
ISHARES TR SP SMCP600VL ETF 464287879 1,478 10,568 SH   SOLE   10,093 0 475
ISHARES TR NEW YORK MUN ETF 464288323 2,292 20,540 SH   SOLE   14,240 0 6,300
ISHARES TR SHRT NAT MUN ETF 464288158 1,283 12,130 SH   SOLE   12,130 0 0
ISHARES TR TIPS BD ETF 464287176 11,401 100,513 SH   SOLE   97,353 0 3,160
JOHNSON & JOHNSON COM 478160104 759 5,735 SH   OTR   5,735 0 0
JPMORGAN CHASE & CO COM 46625h100 961 10,509 SH   OTR   10,509 0 0
KEYCORP NEW COM 493267108 265 14,147 SH   OTR   14,147 0 0
KIMBERLY CLARK CORP COM 494368103 327 2,535 SH   OTR   2,535 0 0
LOWES COS INC COM 548661107 593 7,645 SH   OTR   7,645 0 0
M & T BK CORP COM 55261f104 235 1,452 SH   OTR   1,452 0 0
MERRIMACK PHARMACEUTICALS IN COM 590328100 22 17,532 SH   OTR   17,532 0 0
MICROSOFT CORP COM 594918104 529 7,679 SH   OTR   7,679 0 0
ORACLE CORP COM 68389X105 223 4,448 SH   OTR   4,448 0 0
PAYCHEX INC COM 704326107 4,668 81,976 SH   OTR   81,976 0 0
PEPSICO INC COM 713448108 401 3,469 SH   OTR   3,469 0 0
PFIZER INC COM 717081103 336 9,999 SH   OTR   9,999 0 0
PHILIP MORRIS INTL INC COM 718172109 300 2,553 SH   OTR   2,553 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,288 24,697 SH   SOLE   24,697 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 3,178 219,910 SH   SOLE   219,910 0 0
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 1,239 47,160 SH   SOLE   47,160 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 261 11,290 SH   SOLE   11,290 0 0
PRAXAIR INC COM 74005P104 202 1,525 SH   OTR   1,525 0 0
PROCTER AND GAMBLE CO COM 742718109 212 2,436 SH   OTR   2,436 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,543 62,103 SH   SOLE   62,103 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,425 139,249 SH   SOLE   139,249 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 818 24,329 SH   SOLE   24,329 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 11,433 218,808 SH   SOLE   218,808 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,468 77,333 SH   SOLE   77,333 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 695 13,837 SH   SOLE   13,837 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,294 26,863 SH   SOLE   26,863 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,306 55,969 SH   SOLE   55,969 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,207 18,893 SH   SOLE   18,893 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,617 29,370 SH   SOLE   29,370 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 1,389 45,219 SH   SOLE   45,219 0 0
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 943 30,055 SH   SOLE   30,055 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 313 11,200 SH   SOLE   11,200 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 539 2,530 SH   SOLE   2,530 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 21,451 563,019 SH   SOLE   561,534 0 1,485
SPDR GOLD TRUST GOLD SHS 78463V107 1,028 8,714 SH   SOLE   8,714 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,209 24,830 SH   SOLE   24,830 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 624 12,872 SH   SOLE   12,872 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 544 5,649 SH   SOLE   5,649 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 87,077 360,118 SH   SOLE   353,758 0 6,360
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3,335 71,454 SH   SOLE   68,004 0 3,450
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,320 69,550 SH   SOLE   65,225 0 4,325
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 834 2,626 SH   SOLE   2,626 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 33,312 358,270 SH   SOLE   357,415 0 855
TOMPKINS FINANCIAL CORPORATI COM 890110109 299 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 1,173 49,050 SH   SOLE   49,050 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,601 498,574 SH   SOLE   487,659 0 10,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,888 217,688 SH   SOLE   207,288 0 10,400
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,427 25,371 SH   SOLE   25,371 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,385 39,500 SH   SOLE   33,000 0 6,500
VANGUARD INDEX FDS MID CAP ETF 922908629 1,532 10,749 SH   SOLE   9,649 0 1,100
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,244 23,630 SH   SOLE   23,630 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,666 32,035 SH   SOLE   31,725 0 310
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,022 13,610 SH   SOLE   13,610 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,809 22,595 SH   SOLE   22,595 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,522 19,055 SH   SOLE   19,055 0 0
VANGUARD SCOTTSDALE FDS SHTRM GVT BD ETF 92206C102 1,415 23,290 SH   SOLE   23,290 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 64,251 1,305,128 SH   SOLE   1,293,573 0 11,555
VANGUARD INDEX FDS SMALL CP ETF 922908751 611 4,510 SH   SOLE   3,055 0 1,455
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,180 23,000 SH   SOLE   23,000 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 40,419 493,937 SH   SOLE   473,912 0 20,025
VANGUARD INDEX FDS TOTAL STK MKT 922908769 378 3,040 SH   SOLE   3,040 0 0