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 313 4,269 SH   OTR   4,269 0 0
ALLSTATE CORP COM 020002101 622 6,302 SH   OTR   6,302 0 0
ALTRIA GROUP INC COM 02209s103 273 4,534 SH   OTR   4,534 0 0
AMAZON COM INC COM 023135106 395 197 SH   OTR   197 0 0
APPLE INC COM 037833100 1,238 5,483 SH   OTR   5,226 0 257
AUTOMATIC DATA PROCESSING IN COM 053015103 224 1,488 SH   OTR   1,488 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,280 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 843 3,935 SH   OTR   3,935 0 0
BOEING CO COM 097023105 319 857 SH   OTR   857 0 0
CATERPILLAR INC DEL COM 149123101 224 1,469 SH   OTR   1,469 0 0
CONSTELLATION BRANDS INC CL A 21036p108 219 1,016 SH   OTR   1,016 0 0
DISNEY WALT CO COM DISNEY 254687106 252 2,157 SH   OTR   2,157 0 0
DOWDUPONT INC COM 26078J100 466 7,246 SH   OTR   7,246 0 0
EXXON MOBIL CORP COM 30231g102 1,604 18,868 SH   OTR   18,868 0 0
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 3,052 63,514 SH   SOLE   55,819 0 7,695
HOME DEPOT INC COM 437076102 237 1,142 SH   OTR   1,142 0 0
INTEL CORP COM 458140100 347 7,336 SH   OTR   7,336 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 532 29,620 SH   SOLE   29,620 0 0
INVESCO EXCHNG TRADED FD TR INTL CORP BD 46138E636 1,297 49,990 SH   SOLE   49,990 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 8,789 468,257 SH   SOLE   418,875 0 49,382
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 661 9,634 SH   SOLE   9,634 0 0
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 227 9,813 SH   SOLE   9,813 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 580 24,415 SH   SOLE   21,785 0 2,630
ISHARES TR SH TR CRPORT ETF 464288646 1,535 29,624 SH   SOLE   29,624 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,540 25,711 SH   SOLE   24,838 0 873
ISHARES TR 1 3 YR TREAS BD 464287457 2,332 28,065 SH   SOLE   28,065 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,096 26,000 SH   SOLE   26,000 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,373 12,400 SH   SOLE   12,400 0 0
ISHARES TR INTRM GOV CR ETF 464288612 2,287 21,300 SH   SOLE   21,300 0 0
ISHARES TR MBS ETF 464288588 1,399 13,535 SH   SOLE   13,535 0 0
ISHARES TR SHORT TREAS BD 464288679 2,362 21,385 SH   SOLE   21,385 0 0
ISHARES TR CORE MSCI EAFE 46432F842 257,024 4,010,993 SH   SOLE   3,814,664 0 196,329
ISHARES TR CORE MSCI EMKT 46434G103 74,274 1,434,406 SH   SOLE   1,365,509 0 68,897
ISHARES TR CORE MSCI TOTAL 46432F834 234 3,881 SH   SOLE   3,881 0 0
ISHARES TR CORE S&P500 ETF 464287200 403,111 1,377,076 SH   SOLE   1,322,808 0 54,268
ISHARES TR CORE S&P MCP ETF 464287507 205,050 1,018,679 SH   SOLE   977,376 0 41,303
ISHARES TR CORE S&P SCP ETF 464287804 183,748 2,106,241 SH   SOLE   2,029,278 0 76,963
ISHARES TR CORE US AGGBD ET 464287226 20,506 194,331 SH   SOLE   192,610 0 1,721
ISHARES TR CRE U S REIT ETF 464288521 413 8,538 SH   SOLE   4,838 0 3,700
ISHARES TR FLTG RATE NT ETF 46429B655 50,237 984,645 SH   SOLE   950,752 0 33,893
ISHARES GOLD TRUST ISHARES 464285105 1,480 129,460 SH   SOLE   129,460 0 0
ISHARES TR IBOXX INV CP ETF 464287242 626 5,450 SH   SOLE   5,450 0 0
ISHARES TR INTRM TR CRP ETF 464288638 324 6,100 SH   SOLE   6,100 0 0
ISHARES TR INTL TREA BD ETF 464288117 3,327 69,080 SH   SOLE   69,080 0 0
ISHARES TR JPMORGAN USD EMG 464288281 493 4,570 SH   SOLE   4,570 0 0
ISHARES TR MICRO-CAP ETF 464288869 12,166 114,443 SH   SOLE   107,203 0 7,240
ISHARES TR MSCI EAFE ETF 464287465 19,294 283,771 SH   SOLE   282,091 0 1,680
ISHARES TR EAFE SML CP ETF 464288273 3,833 61,553 SH   SOLE   60,718 0 835
ISHARES TR EAFE VALUE ETF 464288877 4,507 86,797 SH   SOLE   83,915 0 2,882
ISHARES INC EM MKT SM-CP ETF 464286475 208 4,554 SH   SOLE   4,104 0 450
ISHARES TR MSCI EMG MKT ETF 464287234 386 8,992 SH   SOLE   8,992 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,738 17,555 SH   SOLE   17,555 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 656 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 296 1,758 SH   SOLE   1,758 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 467 3,515 SH   SOLE   3,515 0 0
ISHARES TR RUS MD CP GR ETF 464287481 969 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 677 7,506 SH   SOLE   7,369 0 137
ISHARES TR S&P MC 400GR ETF 464287606 1,653 7,095 SH   SOLE   7,095 0 0
ISHARES TR S&P MC 400VL ETF 464287705 48,486 289,762 SH   SOLE   277,637 0 12,125
ISHARES TR S&P 500 GRWT ETF 464287309 1,317 7,432 SH   SOLE   7,432 0 0
ISHARES TR S&P 500 VAL ETF 464287408 12,153 104,913 SH   SOLE   101,942 0 2,971
ISHARES TR S&P SML 600 GWT 464287887 1,803 8,938 SH   SOLE   8,938 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,686 10,099 SH   SOLE   10,099 0 0
ISHARES TR NEW YORK MUN ETF 464288323 2,869 52,770 SH   SOLE   42,710 0 10,060
ISHARES TR SHRT NAT MUN ETF 464288158 1,451 13,857 SH   SOLE   13,857 0 0
ISHARES TR TIPS BD ETF 464287176 12,695 114,758 SH   SOLE   110,547 0 4,211
JOHNSON & JOHNSON COM 478160104 861 6,234 SH   OTR   6,234 0 0
JPMORGAN CHASE & CO COM 46625h100 1,140 10,099 SH   OTR   10,099 0 0
KEYCORP NEW COM 493267108 312 15,691 SH   OTR   15,691 0 0
KIMBERLY CLARK CORP COM 494368103 262 2,306 SH   OTR   2,306 0 0
LOWES COS INC COM 548661107 878 7,645 SH   OTR   7,645 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 208 2,640 SH   OTR   2,640 0 0
MICROSOFT CORP COM 594918104 1,196 10,461 SH   OTR   10,461 0 0
ORACLE CORP COM 68389X105 244 4,731 SH   OTR   4,731 0 0
PAYCHEX INC COM 704326107 5,855 79,495 SH   OTR   79,495 0 0
PEPSICO INC COM 713448108 383 3,428 SH   OTR   3,428 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 366 7,132 SH   SOLE   7,132 0 0
PRAXAIR INC COM 74005P104 222 1,380 SH   OTR   1,380 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,525 59,301 SH   SOLE   58,901 0 400
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,163 153,973 SH   SOLE   153,033 0 940
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 813 22,794 SH   SOLE   22,794 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 428 8,640 SH   SOLE   8,640 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,797 254,665 SH   SOLE   246,715 0 7,950
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,401 77,648 SH   SOLE   77,648 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 779 13,890 SH   SOLE   13,890 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,687 29,159 SH   SOLE   29,159 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 33,501 802,793 SH   SOLE   776,166 0 26,627
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,469 19,291 SH   SOLE   19,291 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,939 35,937 SH   SOLE   35,637 0 300
SPDR SER TR BLOMBERG BRC INV 78468R200 87,680 2,847,690 SH   SOLE   2,762,704 0 84,986
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 937 30,055 SH   SOLE   30,055 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 349 12,650 SH   SOLE   11,900 0 750
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 426 7,826 SH   SOLE   7,826 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 598 2,260 SH   SOLE   2,260 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,635 121,185 SH   SOLE   115,890 0 5,295
SPDR GOLD TRUST GOLD SHS 78463V107 737 6,539 SH   SOLE   6,539 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,428 30,075 SH   SOLE   30,075 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 686 14,392 SH   SOLE   14,392 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 942 34,005 SH   SOLE   31,250 0 2,755
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 470 13,808 SH   SOLE   7,568 0 6,240
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 420 13,652 SH   SOLE   13,612 0 40
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 850 15,823 SH   SOLE   15,631 0 192
SPDR S&P 500 ETF TR TR UNIT 78462F103 90,593 311,616 SH   SOLE   304,146 0 7,470
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,691 60,072 SH   SOLE   58,183 0 1,889
SPDR SER TR SPDR S&P 500 ETF 78468R796 684 9,685 SH   SOLE   1,120 0 8,565
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,955 56,894 SH   SOLE   54,444 0 2,450
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 925 2,516 SH   SOLE   2,516 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 6,847 73,431 SH   SOLE   72,081 0 1,350
TOMPKINS FINANCIAL CORPORATI COM 890110109 308 3,796 SH   OTR   3,796 0 0
UNION PAC CORP COM 907818108 210 1,290 SH   OTR   1,290 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 23,357 539,808 SH   SOLE   518,458 0 21,350
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,900 192,671 SH   SOLE   183,424 0 9,247
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 19,031 338,805 SH   SOLE   326,331 0 12,474
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,805 35,992 SH   SOLE   30,092 0 5,900
VANGUARD INDEX FDS MID CAP ETF 922908629 1,693 10,309 SH   SOLE   9,209 0 1,100
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,496 29,325 SH   SOLE   29,325 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,461 30,508 SH   SOLE   29,319 0 1,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,193 8,213 SH   SOLE   8,213 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,811 23,170 SH   SOLE   23,170 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,283 29,260 SH   SOLE   29,260 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,416 23,710 SH   SOLE   23,710 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 73,232 1,514,005 SH   SOLE   1,459,830 0 54,175
VANGUARD INDEX FDS SMALL CP ETF 922908751 663 4,080 SH   SOLE   2,925 0 1,155
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,285 25,435 SH   SOLE   25,435 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 40,729 517,517 SH   SOLE   507,107 0 10,410
VANGUARD INDEX FDS TOTAL STK MKT 922908769 432 2,890 SH   SOLE   2,890 0 0