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 362 4,738 SH   SOLE   4,738 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 466 6,362 SH   SOLE   6,362 0 0
AMBEV SA SPONSORED ADR 02319V103 71 15,339 SH   SOLE   15,339 0 0
APPLE INC COM 037833100 2,857 15,434 SH   SOLE   15,434 0 0
CISCO SYS INC COM 17275R102 202 4,705 SH   SOLE   4,705 0 0
ETFS GOLD TR SHS 26922Y105 627 5,180 SH   SOLE   5,180 0 0
EXACT SCIENCES CORP COM 30063P105 1,388 23,221 SH   SOLE   23,221 0 0
FACEBOOK INC CL A 30303M102 366 1,882 SH   SOLE   1,882 0 0
GLOBAL X FDS SCIEN BETA US 37954Y103 9,477 299,833 SH   SOLE   299,833 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 229 7,547 SH   SOLE   7,547 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 4,107 88,910 SH   SOLE   88,910 0 0
ISHARES TR CORE S&P TTL STK 464287150 435 6,962 SH   SOLE   6,962 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,606 29,709 SH   SOLE   29,709 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,601 38,953 SH   SOLE   38,953 0 0
ISHARES TR S&P MC 400VL ETF 464287705 3,212 19,823 SH   SOLE   19,823 0 0
ISHARES TR CORE TOTAL USD 46434V613 273 5,525 SH   SOLE   5,525 0 0
JOHNSON & JOHNSON COM 478160104 766 6,313 SH   SOLE   6,313 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 48 14,453 SH   SOLE   14,453 0 0
MICROSOFT CORP COM 594918104 308 3,126 SH   SOLE   3,126 0 0
NBT BANCORP INC COM 628778102 327 8,559 SH   SOLE   8,559 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,932 89,892 SH   SOLE   89,892 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,700 141,205 SH   SOLE   141,205 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,048 170,335 SH   SOLE   170,335 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,546 28,164 SH   SOLE   28,164 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 849 32,797 SH   SOLE   32,797 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 490 17,707 SH   SOLE   17,707 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 11,488 329,456 SH   SOLE   329,456 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 14,963 506,529 SH   SOLE   506,529 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,706 142,982 SH   SOLE   142,982 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 4,327 115,892 SH   SOLE   115,892 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 9,702 259,503 SH   SOLE   259,503 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,053 21,373 SH   SOLE   21,373 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,330 131,008 SH   SOLE   131,008 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,258 64,338 SH   SOLE   64,338 0 0
SONY CORP SPONSORED ADR 835699307 256 5,000 SH   SOLE   5,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 516 1,901 SH   SOLE   1,901 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 1,880 67,750 SH   SOLE   67,750 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,972 37,905 SH   SOLE   37,905 0 0
TESLA INC COM 88160R101 1,628 4,747 SH   SOLE   4,747 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 923 8,360 SH   SOLE   8,360 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 210 3,873 SH   SOLE   3,873 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,397 16,825 SH   SOLE   16,825 0 0
WELLS FARGO CO NEW COM 949746101 235 4,234 SH   SOLE   4,234 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,009 56,105 SH   SOLE   56,105 0 0
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 7,101 146,543 SH   SOLE   146,543 0 0
ZYNGA INC CL A 98986T108 249 61,267 SH   SOLE   61,267 0 0