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
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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
ACTIVISION BLIZZARD INC COM 00507V109 236 4,738 SH   SOLE   4,738 0 0
AEGON N V NY REGISTRY SH 007924103 59 11,509 SH   SOLE   11,509 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 313 5,242 SH   SOLE   5,242 0 0
AMBEV SA SPONSORED ADR 02319V103 104 17,995 SH   SOLE   17,995 0 0
APPLE INC COM 037833100 12,888 89,711 SH   SOLE   89,711 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 243 2,766 SH   SOLE   2,766 0 0
CELANESE CORP DEL COM SER A 150870103 385 4,288 SH   SOLE   4,288 0 0
CELGENE CORP COM 151020104 1,874 15,063 SH   SOLE   15,063 0 0
CISCO SYS INC COM 17275R102 251 7,431 SH   SOLE   7,431 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BUL 2019 HY 18383M373 749 30,592 SH   SOLE   30,592 0 0
ETFS GOLD TR SHS 26922Y105 631 5,207 SH   SOLE   5,207 0 0
FACEBOOK INC CL A 30303M102 320 2,252 SH   SOLE   2,252 0 0
GILEAD SCIENCES INC COM 375558103 6,643 97,808 SH   SOLE   97,808 0 0
GLOBAL X FDS SCIEN BETA US 37954Y103 7,511 270,295 SH   SOLE   270,295 0 0
INTEL CORP COM 458140100 731 20,259 SH   SOLE   20,259 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 308 1,770 SH   SOLE   1,770 0 0
ISHARES MIN VOL EMRG MKT 464286533 7,043 131,650 SH   SOLE   131,650 0 0
ISHARES TR CORE S&P MCP ETF 464287507 260 1,520 SH   SOLE   1,520 0 0
ISHARES TR CORE TL USD BD 46434V613 390 7,710 SH   SOLE   7,710 0 0
ISHARES TR INTL TREA BD ETF 464288117 222 2,427 SH   SOLE   2,427 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 201 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,540 48,684 SH   SOLE   48,684 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,145 36,066 SH   SOLE   36,066 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 210 1,600 SH   SOLE   1,600 0 0
ISHARES TR S&P MC 400VL ETF 464287705 4,907 33,052 SH   SOLE   33,052 0 0
JOHNSON & JOHNSON COM 478160104 867 6,962 SH   SOLE   6,962 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 312 4,052 SH   SOLE   4,052 0 0
MCKESSON CORP COM 58155Q103 367 2,473 SH   SOLE   2,473 0 0
MICROSOFT CORP COM 594918104 381 5,781 SH   SOLE   5,781 0 0
NBT BANCORP INC COM 628778102 317 8,559 SH   SOLE   8,559 0 0
NETFLIX INC COM 64110L106 3,130 21,179 SH   SOLE   21,179 0 0
PAYPAL HLDGS INC COM 70450Y103 477 11,097 SH   SOLE   11,097 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,791 93,447 SH   SOLE   93,447 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 4,511 133,823 SH   SOLE   133,823 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 6,071 179,662 SH   SOLE   179,662 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,707 135,618 SH   SOLE   135,618 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 833 31,524 SH   SOLE   31,524 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 13,231 493,690 SH   SOLE   493,690 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 10,227 333,886 SH   SOLE   333,886 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,354 45,444 SH   SOLE   45,444 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,521 61,713 SH   SOLE   61,713 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 662 14,853 SH   SOLE   14,853 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,407 172,071 SH   SOLE   172,071 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,209 145,117 SH   SOLE   145,117 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 926 19,566 SH   SOLE   19,566 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 560 11,895 SH   SOLE   11,895 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 584 2,479 SH   SOLE   2,479 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 1,416 53,146 SH   SOLE   53,146 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 3,026 31,409 SH   SOLE   31,409 0 0
STARBUCKS CORP COM 855244109 251 4,295 SH   SOLE   4,295 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 342 4,224 SH   SOLE   4,224 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,536 15,070 SH   SOLE   15,070 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2,049 26,393 SH   SOLE   26,393 0 0
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 707 14,197 SH   SOLE   14,197 0 0
WISDOMTREE TR MIDCAP DIVI FD 97717W505 1,591 16,313 SH   SOLE   16,313 0 0
ZYNGA INC CL A 98986T108 175 61,267 SH   SOLE   61,267 0 0