Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES	1,136,854	$214M	22.0%	$165.92	—	CORE S&P500 ETF	464287200
IJH	ISHARES	865,084	$119M	12.2%	$115.81	—	CORE S&P MCP ETF	464287507
SPY	SPDR S&P 500 ETF TR	535,492	$100M	10.3%	$160.42	—	TR UNIT	78462F103
IJR	ISHARES	895,782	$98.66M	10.1%	$90.31	—	CORE S&P SCP ETF	464287804
EFA	ISHARES	1,231,185	$82.74M	8.5%	$58.09	—	MSCI EAFE ETF	464287465
RWR	SPDR SERIES TRUST	619,550	$48.34M	5.0%	$75.46	—	DJ REIT ETF	78464A607
FLOT	ISHARES TR	882,924	$44.77M	4.6%	$50.72	—	FLTG RATE BD ETF	46429B655
VTIP	VANGUARD MALVERN FDS	879,360	$43.38M	4.5%	$49.42	—	STRM INFPROIDX	922020805
BND	VANGUARD BD INDEX FD INC	377,146	$30.62M	3.1%	$80.88	—	TOTAL BND MRKT	921937835
RWX	SPDR INDEX SHS FDS	590,934	$24.33M	2.5%	$40.10	—	DJ INTL RL ETF	78463X863
IVE	ISHARES	152,008	$13.21M	1.4%	$75.77	—	S&P 500 VAL ETF	464287408
VEA	VANGUARD TAX MANAGED INTL FD	219,167	$9.045M	0.9%	$35.74	—	FTSE DEV MKT ETF	921943858
—	POWERSHARES DB CMDTY IDX TRA	334,700	$8.742M	0.9%	$25.20	—	UNIT BEN INT	73935S105
IWC	ISHARES	98,825	$7.639M	0.8%	$62.21	—	MICRO-CAP ETF	464288869
TIP	ISHARES	57,387	$6.433M	0.7%	$111.71	—	TIPS BD ETF	464287176
VWO	VANGUARD INTL EQUITY INDEX F	148,765	$6.037M	0.6%	$39.07	—	FTSE EMR MKT ETF	922042858
VV	VANGUARD INDEX FDS	62,655	$5.39M	0.6%	$73.41	—	LARGE CAP ETF	922908637
VNQ	VANGUARD INDEX FDS	75,490	$5.331M	0.5%	$68.45	—	REIT ETF	922908553
DIA	SPDR DOW JONES INDL AVRG ETF	31,014	$5.094M	0.5%	$148.57	—	UT SER 1	78467X109
—	POWERSHARES ETF TRUST II	183,380	$4.55M	0.5%	$24.75	—	SENIOR LN PORT	73936Q769
IGSB	ISHARES	39,371	$4.153M	0.4%	$105.27	—	1-3 YR CR BD ETF	464288646
IJK	ISHARES	26,076	$3.988M	0.4%	$128.83	—	S&P MC 400GR ETF	464287606
—	FIRST NIAGARA FINL GP INC	415,540	$3.927M	0.4%	$10.07	—	COM	33582V108
IJJ	ISHARES	32,196	$3.877M	0.4%	$101.98	—	S&P MC 400VL ETF	464287705
PAYX	PAYCHEX INC	87,371	$3.722M	0.4%	$25.05	+17.7%	COM	704326107
EWX	SPDR INDEX SHS FDS	76,247	$3.617M	0.4%	$44.35	—	S&P EMKTSC ETF	78463X756
GWX	SPDR INDEX SHS FDS	102,685	$3.48M	0.4%	$28.84	—	S&P INTL SMLCP	78463X871
—	POWERSHARES DB G10 CURCY HAR	130,000	$3.401M	0.3%	$25.43	—	COM UT BEN INT	73935Y102
IJS	ISHARES	29,613	$3.36M	0.3%	$93.43	—	SP SMCP600VL ETF	464287879
IJT	ISHARES	28,037	$3.336M	0.3%	$96.84	—	SP SMCP600GR ETF	464287887
IVW	ISHARES	28,762	$2.872M	0.3%	$84.53	—	S&P 500 GRWT ETF	464287309
EFV	ISHARES	48,995	$2.821M	0.3%	$48.64	—	EAFE VALUE ETF	464288877
SCHZ	SCHWAB STRATEGIC TR	49,375	$2.525M	0.3%	$50.70	—	US AGGREGATE B	808524839
SCHF	SCHWAB STRATEGIC TR	78,762	$2.481M	0.3%	$27.46	—	INTL EQTY ETF	808524805
SHV	ISHARES	20,875	$2.302M	0.2%	$110.23	—	SHRT TRS BD ETF	464288679
IEI	ISHARES	18,420	$2.223M	0.2%	$120.91	—	3-7 YR TR BD ETF	464288661
VO	VANGUARD INDEX FDS	17,941	$2.038M	0.2%	$95.13	—	MID CAP ETF	922908629
NYF	ISHARES	18,725	$2.023M	0.2%	$104.35	—	NY AMTFRE MU ETF	464288323
AGG	ISHARES	18,348	$1.98M	0.2%	$107.00	—	CORE TOTUSBD ETF	464287226
BSV	VANGUARD BD INDEX FD INC	24,565	$1.967M	0.2%	$80.13	—	SHORT TRM BOND	921937827
XOM	EXXON MOBIL CORP	19,730	$1.927M	0.2%	$58.08	0.0%	COM	30231G102
GLD	SPDR GOLD TRUST	14,990	$1.853M	0.2%	$119.64	—	GOLD SHS	78463V107
GNR	SPDR INDEX SHS FDS	35,800	$1.802M	0.2%	$45.63	—	GLB NAT RESRCE	78463X541
—	ISHARES GOLD TRUST	142,135	$1.768M	0.2%	$11.99	—	ISHARES	464285105
DJP	BARCLAYS BK PLC	43,945	$1.734M	0.2%	$36.50	—	DJUBS CMDT ETN36	06738C778
IWF	ISHARES	19,255	$1.666M	0.2%	$72.76	—	RUS 1000 GRW ETF	464287614
SCHX	SCHWAB STRATEGIC TR	36,818	$1.646M	0.2%	$41.10	—	US LRG CAP ETF	808524201
MBB	ISHARES	15,466	$1.641M	0.2%	$105.01	—	MBS ETF	464288588
AGZ	ISHARES	13,250	$1.479M	0.2%	$110.73	—	AGENCY BOND ETF	464288166
STPZ	PIMCO ETF TR	25,828	$1.367M	0.1%	$52.70	—	1-5 US TIP IDX	72201R205
SHY	ISHARES	15,750	$1.33M	0.1%	$84.28	—	1-3 YR TR BD ETF	464287457
—	RYDEX ETF TRUST	23,255	$1.195M	0.1%	$40.67	—	GUG S&P500 PU VA	78355W304
SCHP	SCHWAB STRATEGIC TR	17,369	$937K	0.1%	$53.24	—	US TIPS ETF	808524870
VB	VANGUARD INDEX FDS	7,632	$862K	0.1%	$93.69	—	SMALL CP ETF	922908751
JPM	JPMORGAN CHASE & CO	13,513	$820K	0.1%	$42.08	0.0%	COM	46625H100
EEM	ISHARES	18,900	$775K	0.1%	$39.18	—	MSCI EMG MKT ETF	464287234
MDY	SPDR S&P MIDCAP 400 ETF TR	3,040	$762K	0.1%	$210.16	—	UTSER1 S&PDCRP	78467Y107
SCHE	SCHWAB STRATEGIC TR	30,397	$740K	0.1%	$23.90	—	EMRG MKTEQ ETF	808524706
SCHH	SCHWAB STRATEGIC TR	21,569	$714K	0.1%	$31.55	—	US REIT ETF	808524847
LQD	ISHARES	5,610	$656K	0.1%	$113.89	—	IBOXX INV CP ETF	464287242
IWP	ISHARES	7,150	$613K	0.1%	$85.73	—	RUS MD CP GR ETF	464287481
SCHM	SCHWAB STRATEGIC TR	15,883	$613K	0.1%	$33.26	—	US MID-CAP ETF	808524508
SJNK	SPDR SER TR	18,700	$579K	0.1%	$30.86	—	SHT TRM HGH YLD	78468R408
SCHA	SCHWAB STRATEGIC TR	10,800	$579K	0.1%	$46.07	—	US SML CAP ETF	808524607
—	SPDR SERIES TRUST	23,614	$573K	0.1%	$24.29	—	NUVN BR SHT MUNI	78464A425
PFE	PFIZER INC	16,184	$520K	0.1%	$18.20	0.0%	COM	717081103
SCZ	ISHARES	9,806	$512K	0.1%	$51.73	—	EAFE SML CP ETF	464288273
JNJ	JOHNSON & JOHNSON	5,179	$509K	0.1%	$61.52	+8.3%	COM	478160104
IWO	ISHARES	3,255	$443K	0.0%	$136.10	—	RUS 2000 GRW ETF	464287648
KMB	KIMBERLY CLARK CORP	3,785	$417K	0.0%	$63.06	+10.0%	COM	494368103
LOW	LOWES COS INC	7,740	$378K	0.0%	$39.01	0.0%	COM	548661107
SCHC	SCHWAB STRATEGIC TR	11,119	$367K	0.0%	$27.55	—	INTL SCEQT ETF	808524888
—	DU PONT E I DE NEMOURS & CO	5,400	$362K	0.0%	$67.04	—	COM	263534109
ALL	ALLSTATE CORP	6,302	$357K	0.0%	$41.54	0.0%	COM	020002101
VTI	VANGUARD INDEX FDS	3,457	$337K	0.0%	$83.44	—	TOTAL STK MKT	922908769
SCHV	SCHWAB STRATEGIC TR	8,163	$336K	0.0%	$36.39	—	US LCAP VA ETF	808524409
PEP	PEPSICO INC	3,709	$310K	0.0%	$56.15	+1.3%	COM	713448108
IWS	ISHARES	4,500	$309K	0.0%	$68.67	—	RUS MDCP VAL ETF	464287473
IWN	ISHARES	2,915	$294K	0.0%	$100.86	—	RUS 2000 VAL ETF	464287630
MSFT	MICROSOFT CORP	7,062	$289K	0.0%	$26.85	+16.4%	COM	594918104
VEU	VANGUARD INTL EQUITY INDEX F	5,736	$289K	0.0%	$44.28	—	ALLWRLD EX US	922042775
SLB	SCHLUMBERGER LTD	2,931	$286K	0.0%	$52.90	+23.8%	COM	806857108
IEMG	ISHARES INC	5,341	$262K	0.0%	$49.79	—	CORE MSCI EMKT	46434G103
VOO	VANGUARD INDEX FDS	1,450	$248K	0.0%	$171.03	—	S&P 500 ETF SHS	922908363
—	GENERAL ELECTRIC CO	9,406	$244K	0.0%	$23.26	—	COM	369604103
—	POWERSHARES GLOBAL ETF TRUST	10,225	$237K	0.0%	$23.18	—	NY MUNI BD ETF	73936T458
—	PRAXAIR INC	1,780	$233K	0.0%	$115.17	—	COM	74005P104
—	MERRIMACK PHARMACEUTICALS IN	23,932	$121K	0.0%	$5.35	—	COM	590328100
—	BIODELIVERY SCIENCES INTL IN	10,000	$84,000	0.0%	$4.05	—	COM	09060J106