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 274 3,467 SH   OTR   3,467 0 0
ALLSTATE CORP COM 020002101 450 4,902 SH   OTR   4,902 0 0
AMAZON COM INC COM 023135106 355 182 SH   OTR   182 0 0
APPLE INC COM 037833100 1,406 5,527 SH   OTR   5,270 0 257
AUTOMATIC DATA PROCESSING IN COM 053015103 217 1,585 SH   OTR   1,585 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 385 23,292 SH   OTR   23,292 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 272 1 SH   OTR   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 954 5,219 SH   OTR   5,219 0 0
BOEING CO COM 097023105 330 2,214 SH   OTR   2,214 0 0
DISNEY WALT CO COM DISNEY 254687106 205 2,124 SH   OTR   2,124 0 0
EXXON MOBIL CORP COM 30231g102 553 14,565 SH   OTR   14,565 0 0
INTEL CORP COM 458140100 350 6,473 SH   OTR   6,473 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 8,454 715,210 SH   SOLE   694,495 0 20,715
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 303 7,597 SH   SOLE   7,597 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 299 26,585 SH   SOLE   26,585 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,709 113,400 SH   SOLE   113,400 0 0
ISHARES TR TIPS BD ETF 464287176 18,399 156,030 SH   SOLE   144,689 0 11,341
ISHARES TR CORE S&P500 ETF 464287200 395,478 1,530,487 SH   SOLE   1,457,211 0 73,276
ISHARES TR CORE US AGGBD ET 464287226 21,930 190,081 SH   SOLE   190,081 0 0
ISHARES TR IBOXX INV CP ETF 464287242 726 5,875 SH   SOLE   1,385 0 4,490
ISHARES TR S&P 500 GRWT ETF 464287309 1,081 6,547 SH   SOLE   6,547 0 0
ISHARES TR S&P 500 VAL ETF 464287408 13,933 144,758 SH   SOLE   133,477 0 11,281
ISHARES TR BARCLAYS 7 10 YR 464287440 462 3,800 SH   SOLE   3,800 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,014 23,234 SH   SOLE   23,234 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,849 72,001 SH   SOLE   71,196 0 805
ISHARES TR RUS MDCP VAL ETF 464287473 417 6,501 SH   SOLE   6,364 0 137
ISHARES TR RUS MD CP GR ETF 464287481 869 7,150 SH   SOLE   7,150 0 0
ISHARES TR CORE S&P MCP ETF 464287507 171,572 1,192,629 SH   SOLE   1,142,085 0 50,544
ISHARES TR S&P MC 400GR ETF 464287606 1,232 6,905 SH   SOLE   6,905 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,704 17,948 SH   SOLE   17,948 0 0
ISHARES TR RUS 1000 ETF 464287622 320 2,264 SH   SOLE   2,264 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 288 3,515 SH   SOLE   3,515 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 482 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 798 6,972 SH   SOLE   6,972 0 0
ISHARES TR S&P MC 400VL ETF 464287705 33,414 304,458 SH   SOLE   293,523 0 10,935
ISHARES TR CORE S&P SCP ETF 464287804 145,762 2,597,794 SH   SOLE   2,500,915 0 96,879
ISHARES TR SP SMCP600VL ETF 464287879 982 9,822 SH   SOLE   9,822 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,186 8,600 SH   SOLE   8,600 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,558 14,658 SH   SOLE   13,678 0 980
ISHARES TR AGENCY BOND ETF 464288166 603 5,000 SH   SOLE   5,000 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,980 133,398 SH   SOLE   126,573 0 6,825
ISHARES TR JPMORGAN USD EMG 464288281 476 4,920 SH   SOLE   4,920 0 0
ISHARES TR NEW YORK MUN ETF 464288323 2,969 52,542 SH   SOLE   43,832 0 8,710
ISHARES TR NATIONAL MUN ETF 464288414 1,456 12,885 SH   SOLE   12,885 0 0
ISHARES TR MBS ETF 464288588 876 7,934 SH   SOLE   7,934 0 0
ISHARES TR INTRM GOV CR ETF 464288612 1,041 9,075 SH   SOLE   9,075 0 0
ISHARES TR SH TR CRPORT ETF 464288646 1,083 20,690 SH   SOLE   20,690 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 6,522 48,915 SH   SOLE   48,915 0 0
ISHARES TR SHORT TREAS BD 464288679 1,343 12,100 SH   SOLE   12,100 0 0
ISHARES TR MICRO-CAP ETF 464288869 10,004 149,241 SH   SOLE   136,871 0 12,370
ISHARES TR EAFE VALUE ETF 464288877 7,082 198,421 SH   SOLE   181,674 0 16,747
ISHARES TR FLTG RATE NT ETF 46429B655 8,305 170,404 SH   SOLE   166,007 0 4,397
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,563 95,722 SH   SOLE   93,674 0 2,048
ISHARES TR CORE MSCI EAFE 46432F842 243,472 4,880,168 SH   SOLE   4,679,879 0 200,289
ISHARES INC CORE MSCI EMKT 46434G103 72,302 1,786,553 SH   SOLE   1,710,941 0 75,612
ISHARES INC ESG MSCI EM ETF 46434G863 396 14,470 SH   SOLE   14,470 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 4,465 109,250 SH   SOLE   109,250 0 0
ISHARES TR ESG MSCI EAFE 46435G516 657 12,350 SH   SOLE   12,350 0 0
ISHARES TR ESG US AGR BD 46435U549 424 7,650 SH   SOLE   7,650 0 0
JPMORGAN CHASE & CO COM 46625h100 761 8,450 SH   OTR   8,450 0 0
JOHNSON & JOHNSON COM 478160104 791 6,033 SH   OTR   6,033 0 0
LOWES COS INC COM 548661107 563 6,540 SH   OTR   6,540 0 0
MICROSOFT CORP COM 594918104 1,964 12,455 SH   OTR   12,455 0 0
ORACLE CORP COM 68389X105 268 5,548 SH   OTR   5,548 0 0
PAYCHEX INC COM 704326107 4,860 77,242 SH   OTR   77,242 0 0
PEPSICO INC COM 713448108 399 3,322 SH   OTR   3,322 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 4,229 81,781 SH   SOLE   81,781 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 72,931 282,954 SH   SOLE   276,644 0 6,310
SPDR GOLD TRUST GOLD SHS 78463V107 266 1,799 SH   SOLE   1,799 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,562 47,177 SH   SOLE   46,418 0 759
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 390 14,558 SH   SOLE   14,423 0 135
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,069 46,959 SH   SOLE   46,159 0 800
SPDR SER TR DJ REIT ETF 78464A607 3,210 44,459 SH   SOLE   43,084 0 1,375
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,545 51,115 SH   SOLE   43,350 0 7,765
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,439 49,546 SH   SOLE   48,766 0 780
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,651 46,813 SH   SOLE   44,696 0 2,117
SPDR SER TR PORTFOLIO S&P500 78464A854 819 27,090 SH   SOLE   14,675 0 12,415
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 229 1,045 SH   SOLE   1,045 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 638 2,426 SH   SOLE   2,426 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 5,160 167,979 SH   SOLE   147,650 0 20,329
SPDR SER TR BLOMBERG BRC INV 78468R200 43,614 1,483,464 SH   SOLE   1,449,959 0 33,505
SPDR SER TR NUVEEN BRC MUNIC 78468R721 979 19,572 SH   SOLE   19,572 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 285 5,824 SH   SOLE   5,824 0 0
SPDR SER TR SPDR S&P 500 ETF 78468R796 688 10,770 SH   SOLE   1,070 0 9,700
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,281 69,890 SH   SOLE   64,760 0 5,130
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 556 12,569 SH   SOLE   12,569 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,071 25,399 SH   SOLE   23,404 0 1,995
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 894 17,343 SH   SOLE   16,168 0 1,175
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 860 41,561 SH   SOLE   40,391 0 1,170
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,615 101,194 SH   SOLE   101,194 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,424 192,079 SH   SOLE   184,019 0 8,060
SCHWAB STRATEGIC TR US REIT ETF 808524847 26,462 808,233 SH   SOLE   780,156 0 28,077
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 823 14,000 SH   SOLE   14,000 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 26,649 515,151 SH   SOLE   512,826 0 2,325
SCHWAB STRATEGIC TR US TIPS ETF 808524870 16,758 291,391 SH   SOLE   266,409 0 24,982
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,004 41,134 SH   SOLE   41,134 0 0
TOMPKINS FINANCIAL CORPORATI COM 890110109 273 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 845 17,200 SH   OTR   17,200 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,644 20,005 SH   SOLE   20,005 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 45,612 534,408 SH   SOLE   523,423 0 10,985
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 29,569 886,885 SH   SOLE   770,153 0 116,732
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 50,754 1,041,757 SH   SOLE   1,012,642 0 29,115
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 18,662 434,908 SH   SOLE   416,823 0 18,085
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,052 299,598 SH   SOLE   265,461 0 34,137
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 605 9,700 SH   SOLE   9,700 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 720 9,100 SH   SOLE   9,100 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 864 15,845 SH   SOLE   15,845 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 879 16,620 SH   SOLE   16,620 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 348 1,469 SH   SOLE   1,469 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,753 46,168 SH   SOLE   40,603 0 5,565
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,052 43,695 SH   SOLE   40,936 0 2,759
VANGUARD INDEX FDS MID CAP ETF 922908629 2,538 19,277 SH   SOLE   19,277 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,270 69,829 SH   SOLE   69,829 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,292 11,188 SH   SOLE   11,188 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 522 4,050 SH   SOLE   4,050 0 0
VISA INC COM CL A 92826C839 243 1,511 SH   OTR   1,511 0 0