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 LABS COM 002824100 260 4,269 SH   OTR   4,269 0 0
ALLSTATE CORP COM 020002101 575 6,302 SH   OTR   6,302 0 0
ALTRIA GROUP INC COM 02209s103 249 4,387 SH   OTR   4,387 0 0
AMAZON COM INC COM 023135106 303 178 SH   OTR   178 0 0
APPLE INC COM 037833100 1,025 5,538 SH   OTR   5,281 0 257
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 630 25,855 SH   OTR   25,855 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,128 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 716 3,834 SH   OTR   3,834 0 0
BOEING CO COM 097023105 285 848 SH   OTR   848 0 0
CONSTELLATION BRANDS INC CL A 21036p108 222 1,016 SH   OTR   1,016 0 0
DISNEY WALT CO COM DISNEY 254687106 226 2,156 SH   OTR   2,156 0 0
DOWDUPONT INC COM 26078J100 456 6,922 SH   OTR   6,922 0 0
EXXON MOBIL CORP COM 30231g102 1,563 18,890 SH   OTR   18,890 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 3,281 68,682 SH   SOLE   57,287 0 11,395
INTEL CORP COM 458140100 331 6,660 SH   OTR   6,660 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 8,602 466,006 SH   SOLE   466,006 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 524 29,620 SH   SOLE   29,620 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 663 10,090 SH   SOLE   10,090 0 0
INVESCO EXCHNG TRADED FD TR INTL CORP BD 46138E636 1,307 49,990 SH   SOLE   49,990 0 0
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 225 9,812 SH   SOLE   9,812 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,556 129,460 SH   SOLE   129,460 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 244 5,118 SH   SOLE   4,668 0 450
ISHARES INC CORE MSCI EMKT 46434G103 70,022 1,333,507 SH   SOLE   1,270,420 0 63,087
ISHARES TR TIPS BD ETF 464287176 13,015 115,309 SH   SOLE   111,098 0 4,211
ISHARES TR CORE S&P500 ETF 464287200 376,281 1,378,068 SH   SOLE   1,322,175 0 55,893
ISHARES TR CORE US AGGBD ET 464287226 19,477 183,195 SH   SOLE   181,774 0 1,421
ISHARES TR MSCI EMG MKT ETF 464287234 394 9,087 SH   SOLE   9,087 0 0
ISHARES TR IBOXX INV CP ETF 464287242 624 5,450 SH   SOLE   5,450 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,244 7,652 SH   SOLE   7,652 0 0
ISHARES TR S&P 500 VAL ETF 464287408 11,681 106,065 SH   SOLE   102,994 0 3,071
ISHARES TR 1 3 YR TREAS BD 464287457 2,181 26,165 SH   SOLE   26,165 0 0
ISHARES TR MSCI EAFE ETF 464287465 19,042 284,331 SH   SOLE   282,651 0 1,680
ISHARES TR RUS MDCP VAL ETF 464287473 664 7,506 SH   SOLE   7,369 0 137
ISHARES TR RUS MD CP GR ETF 464287481 906 7,150 SH   SOLE   7,150 0 0
ISHARES TR CORE S&P MCP ETF 464287507 204,255 1,048,645 SH   SOLE   1,006,382 0 42,263
ISHARES TR S&P MC 400GR ETF 464287606 1,605 7,140 SH   SOLE   7,140 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,524 17,555 SH   SOLE   17,555 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 464 3,515 SH   SOLE   3,515 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 623 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 288 1,758 SH   SOLE   1,758 0 0
ISHARES TR S&P MC 400VL ETF 464287705 43,247 266,909 SH   SOLE   254,734 0 12,175
ISHARES TR CORE S&P SCP ETF 464287804 182,600 2,187,872 SH   SOLE   2,107,734 0 80,138
ISHARES TR SP SMCP600VL ETF 464287879 1,649 10,098 SH   SOLE   10,098 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,698 8,987 SH   SOLE   8,987 0 0
ISHARES TR INTL TREA BD ETF 464288117 3,399 69,080 SH   SOLE   69,080 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,496 14,245 SH   SOLE   14,245 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,382 12,400 SH   SOLE   12,400 0 0
ISHARES TR EAFE SML CP ETF 464288273 3,880 61,838 SH   SOLE   61,003 0 835
ISHARES TR JPMORGAN USD EMG 464288281 488 4,570 SH   SOLE   4,570 0 0
ISHARES TR NEW YORK MUN ETF 464288323 2,846 51,936 SH   SOLE   41,876 0 10,060
ISHARES TR NEW YORK MUN ETF 464288521 420 8,538 SH   SOLE   4,838 0 3,700
ISHARES TR MBS ETF 464288588 1,410 13,535 SH   SOLE   13,535 0 0
ISHARES TR 1 3 YR CR BD ETF 464288646 1,509 14,552 SH   SOLE   14,552 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,120 26,000 SH   SOLE   26,000 0 0
ISHARES TR SHORT TREAS BD 464288679 2,386 21,600 SH   SOLE   21,600 0 0
ISHARES TR MICRO-CAP ETF 464288869 12,210 115,606 SH   SOLE   108,366 0 7,240
ISHARES TR EAFE VALUE ETF 464288877 4,390 85,496 SH   SOLE   82,639 0 2,857
ISHARES TR FLTG RATE NT ETF 46429B655 124,431 2,439,828 SH   SOLE   2,360,650 0 79,178
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,273 22,798 SH   SOLE   21,926 0 872
ISHARES TR CORE MSCI TOTAL 46432F834 233 3,881 SH   SOLE   3,881 0 0
ISHARES TR CORE MSCI EAFE 46432F842 248,348 3,919,017 SH   SOLE   3,728,153 0 190,864
JOHNSON & JOHNSON COM 478160104 727 5,994 SH   OTR   5,994 0 0
JPMORGAN CHASE & CO COM 46625h100 1,000 9,596 SH   OTR   9,596 0 0
KEYCORP NEW COM 493267108 325 16,631 SH   OTR   16,631 0 0
KIMBERLY CLARK CORP COM 494368103 246 2,335 SH   OTR   2,335 0 0
LOWES COS INC COM 548661107 721 7,545 SH   OTR   7,545 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 219 2,405 SH   OTR   2,405 0 0
MICROSOFT CORP COM 594918104 1,026 10,401 SH   OTR   10,401 0 0
PAYCHEX INC COM 704326107 5,433 79,489 SH   OTR   79,489 0 0
PEPSICO INC COM 713448108 345 3,169 SH   OTR   3,169 0 0
PHILIP MORRIS INTL INC COM 718172109 218 2,694 SH   OTR   2,694 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 520 10,045 SH   SOLE   10,045 0 0
PRAXAIR INC COM 74005P104 218 1,380 SH   OTR   1,380 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,024 77,301 SH   SOLE   77,301 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 755 14,217 SH   SOLE   14,217 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,590 28,959 SH   SOLE   28,959 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,417 19,263 SH   SOLE   19,263 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,485 57,370 SH   SOLE   56,970 0 400
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,110 154,615 SH   SOLE   153,675 0 940
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,016 257,027 SH   SOLE   249,177 0 7,850
SCHWAB STRATEGIC TR US REIT ETF 808524847 33,401 799,460 SH   SOLE   772,799 0 26,661
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,987 36,194 SH   SOLE   35,894 0 300
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 820 22,739 SH   SOLE   22,739 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 578 2,380 SH   SOLE   2,380 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 776 6,539 SH   SOLE   6,539 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3,020 63,644 SH   SOLE   61,760 0 1,884
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,724 120,705 SH   SOLE   115,410 0 5,295
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,986 57,880 SH   SOLE   55,430 0 2,450
SPDR S&P 500 ETF TR TR UNIT 78462F103 85,654 315,740 SH   SOLE   308,220 0 7,520
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 893 2,516 SH   SOLE   2,516 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 10,345 336,436 SH   SOLE   327,546 0 8,890
SPDR SER TR BLOOMBERG SRT TR 78468R408 306 11,200 SH   SOLE   11,200 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,568 32,675 SH   SOLE   32,675 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 594 12,374 SH   SOLE   12,374 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796 637 9,685 SH   SOLE   1,120 0 8,565
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 940 30,055 SH   SOLE   30,055 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 7,059 75,128 SH   SOLE   73,778 0 1,350
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 584 20,953 SH   SOLE   20,353 0 600
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 311 5,596 SH   SOLE   5,596 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 784 15,069 SH   SOLE   14,877 0 192
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 404 12,660 SH   SOLE   6,420 0 6,240
TOMPKINS FINANCIAL CORPORATI COM 890110109 326 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 1,441 61,150 SH   SOLE   61,150 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,154 14,760 SH   SOLE   14,760 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 41,314 521,706 SH   SOLE   512,036 0 9,670
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,136 8,560 SH   SOLE   8,560 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,484 30,502 SH   SOLE   29,313 0 1,189
VANGUARD INDEX FDS MID CAP ETF 922908629 1,625 10,309 SH   SOLE   9,209 0 1,100
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,564 36,582 SH   SOLE   30,382 0 6,200
VANGUARD INDEX FDS SMALL CP ETF 922908751 635 4,080 SH   SOLE   2,925 0 1,155
VANGUARD INDEX FDS TOTAL STK MKT 922908769 406 2,890 SH   SOLE   2,890 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 19,291 332,140 SH   SOLE   319,856 0 12,284
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,864 186,347 SH   SOLE   177,700 0 8,647
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 72,870 1,491,710 SH   SOLE   1,439,525 0 52,185
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,399 27,435 SH   SOLE   27,435 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,421 23,710 SH   SOLE   23,710 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,810 23,170 SH   SOLE   23,170 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,581 30,755 SH   SOLE   30,755 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,931 511,207 SH   SOLE   490,997 0 20,210