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 Laboratories SK 002824100 739 15,200 SH   SOLE   0 0 15,200
Abbvie Inc SK 00287Y109 767 10,583 SH   SOLE   0 0 10,583
Alphabet Inc Class A SK 38259P508 228 245 SH   SOLE   0 0 245
Alphabet Inc Class C SK 38259P706 224 246 SH   SOLE   0 0 246
Amazon Com Inc SK 023135106 441 456 SH   SOLE   0 0 456
Analog Devices, Inc. SK 032654105 259 3,335 SH   SOLE   0 0 3,335
Apple Computers SK 037833100 3,387 23,517 SH   SOLE   0 0 23,517
Assurant Inc SK 04621X108 407 3,926 SH   SOLE   0 0 3,926
Barclay's Aggregate Bond Index I-Shares ET 464287226 10,536 96,210 SH   SOLE   0 0 96,210
Berkley W R Corporation SK 084423102 3,034 43,861 SH   SOLE   0 0 43,861
Berkshire Hathaway Cl B SK 084670702 1,214 7,169 SH   SOLE   0 0 7,169
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh SK 084990175 509 200 SH   SOLE   0 0 200
CBS Corporation Cl B SK 124857202 392 6,140 SH   SOLE   0 0 6,140
Canadian Pac Ltd New F SK 13645T100 297 1,850 SH   SOLE   0 0 1,850
Casavant Intl Mng Corp Restricted SK 125809996 0 29,440 SH   SOLE   0 0 29,440
Caterpillar Inc SK 149123101 1,047 9,740 SH   SOLE   0 0 9,740
Charter Communications SK 16117M305 429 1,273 SH   SOLE   0 0 1,273
Chevrontexaco SK 166764100 244 2,336 SH   SOLE   0 0 2,336
Cisco Systems Inc SK 17275R102 394 12,593 SH   SOLE   0 0 12,593
Darden Restaurants SK 237194105 368 4,071 SH   SOLE   0 0 4,071
Dominos Pizza Inc SK 25754A201 1,919 9,072 SH   SOLE   0 0 9,072
Exxon Corporation SK 30231G102 782 9,690 SH   SOLE   0 0 9,690
General Electric Co. SK 369604103 771 28,559 SH   SOLE   0 0 28,559
Home Depot Inc SK 437076102 202 1,319 SH   SOLE   0 0 1,319
International Business Machines SK 459200101 866 5,632 SH   SOLE   0 0 5,632
Ishares Barclays Bd Fd 7-10 Yr Tr ET 464287440 5,994 56,222 SH   SOLE   0 0 56,222
Ishares Barclays Tips Bond Fund ET 464287176 9,864 86,962 SH   SOLE   0 0 86,962
Ishares Core S&P Smallcap ETF 600 ET 464287804 2,090 29,807 SH   SOLE   0 0 29,807
Ishares Core US Growth ET 464287671 505 10,476 SH   SOLE   0 0 10,476
Ishares Core US Value ET 464287663 3,570 70,086 SH   SOLE   0 0 70,086
Ishares Goldman Sachs Tech Index ET 464287549 1,848 12,777 SH   SOLE   0 0 12,777
Ishares Lehman Treas Bond 1-3 Year ET 464287457 956 11,315 SH   SOLE   0 0 11,315
Ishares Morningstar Fund Large Core Inde ET 464287127 326 2,229 SH   SOLE   0 0 2,229
Ishares Morningstar Small-Cap Value Etf ET 464288703 250 1,777 SH   SOLE   0 0 1,777
Ishares Msci Canada Idx Fd ET 464286509 241 9,011 SH   SOLE   0 0 9,011
Ishares Msci Emrg Mkt Fd ET 464287234 3,794 91,663 SH   SOLE   0 0 91,663
Ishares Msci Etf Eafe Minimum Volatility ET 46429B689 2,964 42,809 SH   SOLE   0 0 42,809
Ishares Pharmaceutical Index Fund ET 464288836 996 6,418 SH   SOLE   0 0 6,418
Ishares Russell Midcap Index Fund ET 464287499 1,672 8,702 SH   SOLE   0 0 8,702
Ishares Russell Midcap Value Index Fund ET 464287473 13,817 164,311 SH   SOLE   0 0 164,311
Ishares S&P 500 Growth S&P 500 Growth In ET 464287309 2,220 16,221 SH   SOLE   0 0 16,221
Ishares S&P Midcap 400 Bar Val ET 464287705 8,191 55,138 SH   SOLE   0 0 55,138
Ishares S&P Midcap 400 Growth Index Fund ET 464287606 3,559 18,103 SH   SOLE   0 0 18,103
Ishares S&P North Am Fund ET 464287374 1,576 49,778 SH   SOLE   0 0 49,778
Ishares S&P Smallcap Growth ETF ET 464287887 3,915 25,105 SH   SOLE   0 0 25,105
Ishares S&P Smallcap 600 Value ET 464287879 7,616 54,472 SH   SOLE   0 0 54,472
Ishares Tr Cohen & Steer Realty Majors I ET 464287564 5,336 52,767 SH   SOLE   0 0 52,767
Ishares Tr Msci Eafe ET 464287465 3,510 53,840 SH   SOLE   0 0 53,840
Ishares Tr Nasdaq Biotech ET 464287556 220 710 SH   SOLE   0 0 710
Ishares Tr Russell 1000 Growth ET 464287614 804 6,755 SH   SOLE   0 0 6,755
Ishares Tr Russell 1000 Ind ET 464287622 202 1,493 SH   SOLE   0 0 1,493
Ishares Tr Russell 1000 Val ET 464287598 5,902 50,695 SH   SOLE   0 0 50,695
Ishares Tr Russell 2000 Val ET 464287630 2,326 19,567 SH   SOLE   0 0 19,567
Ishares Tr S&P 100 Index ET 464287101 283 2,650 SH   SOLE   0 0 2,650
Ishares Tr S&P 500 Barra Val ET 464287408 7,665 73,031 SH   SOLE   0 0 73,031
Ishares Tr S&P Midcap 400 Ind ET 464287507 8,447 48,561 SH   SOLE   0 0 48,561
Ishares Trust Dow Jones Select Dividend ET 464287168 3,175 34,437 SH   SOLE   0 0 34,437
Ishares Trust S&P 500 Index ET 464287200 5,386 22,128 SH   SOLE   0 0 22,128
J P Morgan & Co. Inc. SK 46625H100 257 2,817 SH   SOLE   0 0 2,817
Johnson & Johnson SK 478160104 3,198 24,175 SH   SOLE   0 0 24,175
Merrimack Pharma Inc SK 590328100 24 19,453 SH   SOLE   0 0 19,453
Microsoft Corp SK 594918104 233 3,380 SH   SOLE   0 0 3,380
Mid Cap S P D R Trust Unit Ser ET 78467Y107 1,985 6,250 SH   SOLE   0 0 6,250
Omnicom Group Inc SK 681919106 1,190 14,359 SH   SOLE   0 0 14,359
P J T Partners Inc Cl A SK 69343T107 2,003 49,803 SH   SOLE   0 0 49,803
Paychex Inc SK 704326107 524 9,194 SH   SOLE   0 0 9,194
Pepsico SK 713448108 8,253 71,457 SH   SOLE   0 0 71,457
Pfizer Inc SK 717081103 1,333 39,680 SH   SOLE   0 0 39,680
Pimco Exch Traded Fund Total Return ET 72201R775 2,192 20,670 SH   SOLE   0 0 20,670
Pimco Municipal Income ET 72200W106 187 14,204 SH   SOLE   0 0 14,204
Powershares QQQ Trust, Ser 1 ET 73935A104 648 4,710 SH   SOLE   0 0 4,710
Powershs Ins National Muni Bond ETF ET 73936T474 1,003 39,407 SH   SOLE   0 0 39,407
Powershs Insured NY Muni Bond ETF ET 73936T458 1,029 42,159 SH   SOLE   0 0 42,159
Procter & Gamble Co. SK 742718109 1,103 12,659 SH   SOLE   0 0 12,659
Proshares Ultra S&P 500 ET 74347R107 3,232 36,134 SH   SOLE   0 0 36,134
S P D R Trust Unit Sr 1 ET 78462F103 1,498 6,196 SH   SOLE   0 0 6,196
Sch Us Mid-Cap Etf ET 808524508 4,587 95,248 SH   SOLE   0 0 95,248
Sch Us Reit Etf ET 808524847 451 10,949 SH   SOLE   0 0 10,949
Schw US Large Cap ETF ET 808524201 892 15,442 SH   SOLE   0 0 15,442
Schw Us Brd Mkt Etf ET 808524102 1,178 20,145 SH   SOLE   0 0 20,145
Schw Us Scap Etf ET 808524607 2,313 36,190 SH   SOLE   0 0 36,190
Schwab Intermediate Term Us Trs Etf ET 808524854 596 11,038 SH   SOLE   0 0 11,038
Schwab US Tips ETF ET 808524870 2,875 52,213 SH   SOLE   0 0 52,213
Sector Spdr Engy Select Shares Of Benefi ET 81369Y506 1,622 24,985 SH   SOLE   0 0 24,985
Sector Spdr Fincl Select Shares Of Benef ET 81369Y605 235 9,540 SH   SOLE   0 0 9,540
Southridge Ent Inc New SK 84467T403 0 24,000 SH   SOLE   0 0 24,000
Spdr S&P 400 Mid Cap Growth Etf ET 78464A821 1,087 7,593 SH   SOLE   0 0 7,593
Spdr S&P 600 Small Cap ET 78464A813 4,359 35,396 SH   SOLE   0 0 35,396
Spdr S&P Biotech Etf ET 78464A870 2,186 28,325 SH   SOLE   0 0 28,325
Spdr S&P Dividend Etf ET 78464A763 2,474 27,830 SH   SOLE   0 0 27,830
Vanguard Bond Index Fund Intermediate Te ET 921937819 2,406 28,464 SH   SOLE   0 0 28,464
Vanguard Bond Index Short Term Bond ETF ET 921937827 2,617 32,772 SH   SOLE   0 0 32,772
Vanguard Corp Bond Etf Short-Term Corp B ET 92206C409 4,080 50,978 SH   SOLE   0 0 50,978
Vanguard Div Appreciation ETF ET 921908844 8,334 89,934 SH   SOLE   0 0 89,934
Vanguard Emerging Market ET 922042858 508 12,437 SH   SOLE   0 0 12,437
Vanguard Energy Index ET 92204A306 2,029 22,926 SH   SOLE   0 0 22,926
Vanguard Growth Etf Msci Us Prime Mkt ET 922908736 883 6,948 SH   SOLE   0 0 6,948
Vanguard Info Technology ET 92204A702 997 7,082 SH   SOLE   0 0 7,082
Vanguard Mid Cap Value ET 922908512 5,361 52,111 SH   SOLE   0 0 52,111
Vanguard Msci Us Sm Cap Growth ET 922908595 6,784 46,550 SH   SOLE   0 0 46,550
Vanguard Reit ET 922908553 2,185 26,257 SH   SOLE   0 0 26,257
Vanguard Small Cap Value ET 922908611 9,821 79,903 SH   SOLE   0 0 79,903
Vanguard Total Bond Market Index ETF ET 921937835 417 5,093 SH   SOLE   0 0 5,093
Vanguard Total Stock Mkt ET 922908769 5,424 43,584 SH   SOLE   0 0 43,584
Vulcan Materials Company SK 929160109 246 1,939 SH   SOLE   0 0 1,939
Wal Mart Stores SK 931142103 767 10,132 SH   SOLE   0 0 10,132
Walt Disney Co Holding Co SK 254687106 2,391 22,502 SH   SOLE   0 0 22,502