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 Equities 002824100 683 8,167 SH   SOLE   0 0 8,167
Abbvie Inc Equities 00287Y109 600 7,926 SH   SOLE   0 0 7,926
Amazon Com Inc Equities 023135106 903 520 SH   SOLE   0 0 520
Apple Computer Equities 037833100 2,189 9,773 SH   SOLE   0 0 9,773
Berkshire Hathaway Cl B Equities 084670702 516 2,481 SH   SOLE   0 0 2,481
Cisco Systems Equities 17275R102 374 7,576 SH   SOLE   0 0 7,576
Comcast Corp New Cl A Equities 20030N101 837 18,563 SH   SOLE   0 0 18,563
Globalstar Inc Equities 378973408 7 16,000 SH   SOLE   0 0 16,000
Ishares BarCap Aggregate Bond Index Equities 464287226 11,360 100,381 SH   SOLE   0 0 100,381
Ishares Core Msci Eafe Equities 46432F842 6,450 105,617 SH   SOLE   0 0 105,617
iShares Core MSCI Europe ETF Equities 46434V738 658 14,391 SH   SOLE   0 0 14,391
iShares Core MSCI International Developed Mkt ETF Equities 46435G326 20,362 372,803 SH   SOLE   0 0 372,803
iShares Core MSCI Pacific ETF Equities 46434V696 604 10,751 SH   SOLE   0 0 10,751
Ishares Core S&P 500 ETF Equities 464287200 32,142 107,672 SH   SOLE   0 0 107,672
iShares Core S&P 500 UCITS ETF Equities G4955H110 31,939 108,313 SH   SOLE   0 0 108,313
Ishares Core S&P Small-Cap ETF Equities 464287804 5,274 67,758 SH   SOLE   0 0 67,758
iShares Core S&P Total US Stock Mkt ETF Equities 464287150 398 5,940 SH   SOLE   0 0 5,940
Ishares Etf Equities 46434G103 1,871 38,171 SH   SOLE   0 0 38,171
Ishares Msci Acwi Index Equities 464288257 1,470 19,937 SH   SOLE   0 0 19,937
Ishares Russell 1000 Index Equities 464287622 15,923 96,772 SH   SOLE   0 0 96,772
Ishares Russell Top 200 Equities 464289446 375 5,435 SH   SOLE   0 0 5,435
Ishares S&P MidCap 400 Growth Index Equities 464287606 406 1,814 SH   SOLE   0 0 1,814
Ishares S&P MidCap 400 Value Index Equities 464287705 607 3,795 SH   SOLE   0 0 3,795
Ishares Short Treasury Equities 464288679 9,772 88,341 SH   SOLE   0 0 88,341
Ishares Tr Comex Gold Equities 464285105 525 37,263 SH   SOLE   0 0 37,263
Ishares Tr S&P Midcap Equities 464287507 1,796 9,295 SH   SOLE   0 0 9,295
Ishares TRUST Equities 464288414 1,129 9,897 SH   SOLE   0 0 9,897
J P Morgan Chase & Co Equities 46625H100 625 5,309 SH   SOLE   0 0 5,309
Lowes Companies Inc Equities 548661107 204 1,851 SH   SOLE   0 0 1,851
Microsoft Corp Equities 594918104 735 5,288 SH   SOLE   0 0 5,288
N B T Bancorp Inc Equities 628778102 514 14,056 SH   SOLE   0 0 14,056
Pharmacielo Ltd New Equities 71716K101 43 10,830 SH   SOLE   0 0 10,830
Schwab US Tips Etf Equities 808524870 2,411 42,477 SH   SOLE   0 0 42,477
Spdr Nuveen Barclays Equities 78468R721 1,239 24,452 SH   SOLE   0 0 24,452
Thermo Fisher Scientific Equities 883556102 283 973 SH   SOLE   0 0 973
V F Corp Equities 918204108 1,186 13,330 SH   SOLE   0 0 13,330
Vanguard Corp Bond Etf Equities 92206C870 4,927 54,005 SH   SOLE   0 0 54,005
Vanguard Glbal Ex US Equities 922042676 399 6,812 SH   SOLE   0 0 6,812
Vanguard High Dividend Yield Index Equities 921946406 3,348 37,732 SH   SOLE   0 0 37,732
Vanguard Intl Eqty Index Equities 922042775 392 7,854 SH   SOLE   0 0 7,854
Vanguard Mid Cap Index Equities 922908629 219 1,309 SH   SOLE   0 0 1,309
Vanguard MSCI EAFE ETF Equities 921943858 373 9,086 SH   SOLE   0 0 9,086
Vanguard Muni Bnd Tax Equities 922907746 9,204 171,657 SH   SOLE   0 0 171,657
Vanguard Reit Equities 922908553 1,198 12,843 SH   SOLE   0 0 12,843
Vanguard Small Cap Equities 922908751 903 5,865 SH   SOLE   0 0 5,865
Vanguard Total Stock Mkt Equities 922908769 7,227 47,862 SH   SOLE   0 0 47,862
Visa Inc Equities 92826C839 242 1,408 SH   SOLE   0 0 1,408
WisdomTree Emerging Markets Cnsmr Gr ETF Equities 97717W539 3,385 158,227 SH   SOLE   0 0 158,227