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
ACTIVISION BLIZZARD INC COM 00507V109 290 4,738 SH   SOLE   4,738 0 0
AEGON N V NY REGISTRY SH 007924103 61 11,005 SH   SOLE   11,005 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 253 5,509 SH   SOLE   5,509 0 0
AMBEV SA SPONSORED ADR 02319V103 106 17,583 SH   SOLE   17,583 0 0
APPLE INC COM 037833100 14,130 93,853 SH   SOLE   93,853 0 0
CELGENE CORP COM 151020104 1,794 13,374 SH   SOLE   13,374 0 0
CISCO SYS INC COM 17275R102 236 7,475 SH   SOLE   7,475 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2018 HY 18383M381 253 9,969 SH   SOLE   9,969 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BUL 2020 HY 18383M365 513 20,564 SH   SOLE   20,564 0 0
DISNEY WALT CO COM DISNEY 254687106 249 2,265 SH   SOLE   2,265 0 0
ETFS GOLD TR SHS 26922Y105 741 6,068 SH   SOLE   6,068 0 0
FACEBOOK INC CL A 30303M102 427 2,505 SH   SOLE   2,505 0 0
GILEAD SCIENCES INC COM 375558103 7,330 97,789 SH   SOLE   97,789 0 0
GLOBAL X FDS SCIEN BETA US 37954Y103 8,292 285,255 SH   SOLE   285,255 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 495 16,665 SH   SOLE   16,665 0 0
INDEXIQ ETF TR IQ HEDGMKT NUT 45409B503 246 9,680 SH   SOLE   9,680 0 0
INTEL CORP COM 458140100 707 20,221 SH   SOLE   20,221 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 257 1,770 SH   SOLE   1,770 0 0
ISHARES MIN VOL EMRG MKT 464286533 7,909 138,007 SH   SOLE   138,007 0 0
ISHARES TR CORE S&P MCP ETF 464287507 268 1,520 SH   SOLE   1,520 0 0
ISHARES TR CORE TL USD BD 46434V613 387 7,589 SH   SOLE   7,589 0 0
ISHARES TR INTL TREA BD ETF 464288117 231 2,362 SH   SOLE   2,362 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,836 47,695 SH   SOLE   47,695 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,180 35,691 SH   SOLE   35,691 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 226 1,600 SH   SOLE   1,600 0 0
ISHARES TR S&P MC 400VL ETF 464287705 4,861 32,280 SH   SOLE   32,280 0 0
JOHNSON & JOHNSON COM 478160104 917 7,010 SH   SOLE   7,010 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 282 4,052 SH   SOLE   4,052 0 0
MCKESSON CORP COM 58155Q103 313 2,254 SH   SOLE   2,254 0 0
MICROSOFT CORP COM 594918104 402 5,497 SH   SOLE   5,497 0 0
NBT BANCORP INC COM 628778102 308 8,559 SH   SOLE   8,559 0 0
NETFLIX INC COM 64110L106 3,869 21,179 SH   SOLE   21,179 0 0
NIKE INC CL B 654106103 204 3,510 SH   SOLE   3,510 0 0
NVIDIA CORP COM 67066G104 205 1,268 SH   SOLE   1,268 0 0
ORACLE CORP COM 68389X105 211 4,192 SH   SOLE   4,192 0 0
PAYPAL HLDGS INC COM 70450Y103 667 11,097 SH   SOLE   11,097 0 0
PEPSICO INC COM 713448108 201 1,709 SH   SOLE   1,709 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 506 4,977 SH   SOLE   4,977 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,506 107,609 SH   SOLE   107,609 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 6,075 177,457 SH   SOLE   177,457 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,932 172,345 SH   SOLE   172,345 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,231 148,427 SH   SOLE   148,427 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,044 37,291 SH   SOLE   37,291 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 14,246 495,003 SH   SOLE   495,003 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 11,715 347,818 SH   SOLE   347,818 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,584 49,454 SH   SOLE   49,454 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,336 72,565 SH   SOLE   72,565 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 932 20,270 SH   SOLE   20,270 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,529 177,450 SH   SOLE   177,450 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,783 152,668 SH   SOLE   152,668 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,160 23,648 SH   SOLE   23,648 0 0
SONY CORP SPONSORED ADR 835699307 206 5,000 SH   SOLE   5,000 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 680 13,999 SH   SOLE   13,999 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 613 2,479 SH   SOLE   2,479 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 1,611 57,198 SH   SOLE   57,198 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 3,651 37,394 SH   SOLE   37,394 0 0
STARBUCKS CORP COM 855244109 256 4,295 SH   SOLE   4,295 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 83 10,928 SH   SOLE   10,928 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 346 4,224 SH   SOLE   4,224 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,532 14,626 SH   SOLE   14,626 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2,067 25,994 SH   SOLE   25,994 0 0
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 3,901 77,196 SH   SOLE   77,196 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,700 17,224 SH   SOLE   17,224 0 0
ZYNGA INC CL A 98986T108 224 61,267 SH   SOLE   61,267 0 0