Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	1,305,791	$252M	23.0%	$170.90	—	CORE S&P500 ETF	464287200
IJH	ISHARES TR	927,093	$127M	11.6%	$117.46	—	CORE S&P MCP ETF	464287507
IJR	ISHARES TR	980,026	$104M	9.5%	$92.11	—	CORE S&P SCP ETF	464287804
SPY	SPDR S&P 500 ETF TR	463,414	$88.8M	8.1%	$160.42	—	TR UNIT	78462F103
IEFA	ISHARES TR	1,562,468	$82.51M	7.5%	$57.19	—	CORE MSCI EAFE	46432F842
FLOT	ISHARES TR	1,076,783	$54.32M	5.0%	$50.71	—	FLTG RATE BD ETF	46429B655
VTIP	VANGUARD MALVERN FDS	1,053,193	$50.95M	4.7%	$49.33	—	STRM INFPROIDX	922020805
BND	VANGUARD BD INDEX FD INC	430,714	$35.29M	3.2%	$81.13	—	TOTAL BND MRKT	921937835
EFA	ISHARES TR	514,256	$29.48M	2.7%	$59.11	—	MSCI EAFE ETF	464287465
RWR	SPDR SERIES TRUST	338,584	$29.18M	2.7%	$76.93	—	DJ REIT ETF	78464A607
—	UBS AG JERSEY BRH	1,057,503	$28.62M	2.6%	$41.69	—	ALERIAN INFRST	902641646
IEMG	ISHARES INC	628,176	$25.06M	2.3%	$45.56	—	CORE MSCI EMKT	46434G103
RWX	SPDR INDEX SHS FDS	444,264	$17.48M	1.6%	$40.18	—	DJ INTL RL ETF	78463X863
IVE	ISHARES TR	142,412	$11.97M	1.1%	$75.77	—	S&P 500 VAL ETF	464287408
IWC	ISHARES TR	158,717	$11.07M	1.0%	$67.46	—	MICRO-CAP ETF	464288869
VEA	VANGUARD TAX MANAGED INTL FD	293,656	$10.47M	1.0%	$36.60	—	FTSE DEV MKT ETF	921943858
TIP	ISHARES TR	62,915	$6.964M	0.6%	$111.78	—	TIPS BD ETF	464287176
SCHZ	SCHWAB STRATEGIC TR	103,179	$5.38M	0.5%	$51.65	—	US AGGREGATE B	808524839
IGSB	ISHARES TR	51,071	$5.369M	0.5%	$105.33	—	1-3 YR CR BD ETF	464288646
VWO	VANGUARD INTL EQUITY INDEX F	154,174	$5.102M	0.5%	$39.26	—	FTSE EMR MKT ETF	922042858
AGG	ISHARES TR	42,720	$4.681M	0.4%	$108.96	—	CORE US AGGBD ET	464287226
VV	VANGUARD INDEX FDS	50,655	$4.46M	0.4%	$73.41	—	LARGE CAP ETF	922908637
—	FIRST NIAGARA FINL GP INC	417,040	$4.258M	0.4%	$10.07	—	COM	33582V108
SHV	ISHARES TR	38,290	$4.224M	0.4%	$110.26	—	SHRT TRS BD ETF	464288679
PAYX	PAYCHEX INC	84,426	$4.021M	0.4%	$25.05	+36.1%	COM	704326107
FTSL	FIRST TR EXCHANGE TRADED FD	80,371	$3.88M	0.4%	$48.82	—	SENIOR LN FD	33738D309
IJK	ISHARES TR	22,691	$3.565M	0.3%	$128.83	—	S&P MC 400GR ETF	464287606
IJJ	ISHARES TR	30,041	$3.465M	0.3%	$102.13	—	S&P MC 400VL ETF	464287705
SCHX	SCHWAB STRATEGIC TR	70,584	$3.23M	0.3%	$44.24	—	US LRG CAP ETF	808524201
EWX	SPDR INDEX SHS FDS	84,600	$3.128M	0.3%	$44.38	—	S&P EMKTSC ETF	78463X756
IJT	ISHARES TR	25,287	$3.038M	0.3%	$96.84	—	SP SMCP600GR ETF	464287887
BSV	VANGUARD BD INDEX FD INC	37,555	$3.019M	0.3%	$80.25	—	SHORT TRM BOND	921937827
SCHF	SCHWAB STRATEGIC TR	103,273	$2.827M	0.3%	$27.93	—	INTL EQTY ETF	808524805
IJS	ISHARES TR	26,480	$2.775M	0.3%	$93.43	—	SP SMCP600VL ETF	464287879
EFV	ISHARES TR	56,041	$2.594M	0.2%	$49.22	—	EAFE VALUE ETF	464288877
—	POWERSHARES DB CMDTY IDX TRA	162,756	$2.466M	0.2%	$25.17	—	UNIT BEN INT	73935S105
GWX	SPDR INDEX SHS FDS	84,894	$2.336M	0.2%	$28.84	—	S&P INTL SMLCP	78463X871
VNQ	VANGUARD INDEX FDS	30,611	$2.312M	0.2%	$68.45	—	REIT ETF	922908553
NYF	ISHARES TR	20,025	$2.219M	0.2%	$106.61	—	NY AMTFRE MU ETF	464288323
SPSB	SPDR SERIES TRUST	71,880	$2.194M	0.2%	$30.61	—	BARC SHT TR CP	78464A474
IEI	ISHARES TR	15,870	$1.978M	0.2%	$120.95	—	3-7 YR TR BD ETF	464288661
LQD	ISHARES TR	16,900	$1.962M	0.2%	$117.08	—	IBOXX INV CP ETF	464287242
SCZ	ISHARES TR	40,383	$1.929M	0.2%	$48.33	—	EAFE SML CP ETF	464288273
—	ALPS ETF TR	149,038	$1.86M	0.2%	$17.55	—	ALERIAN MLP	00162Q866
IVW	ISHARES TR	15,647	$1.687M	0.2%	$84.53	—	S&P 500 GRWT ETF	464287309
—	ISHARES GOLD TRUST	156,135	$1.683M	0.2%	$11.92	—	ISHARES	464285105
IWF	ISHARES TR	18,055	$1.679M	0.2%	$74.32	—	RUS 1000 GRW ETF	464287614
IGOV	ISHARES TR	17,905	$1.63M	0.1%	$94.76	—	INTL TREA BD ETF	464288117
GLD	SPDR GOLD TRUST	15,205	$1.625M	0.1%	$119.35	—	GOLD SHS	78463V107
GNR	SPDR INDEX SHS FDS	49,800	$1.617M	0.1%	$45.14	—	GLB NAT RESRCE	78463X541
SHY	ISHARES TR	18,850	$1.602M	0.1%	$84.38	—	1-3 YR TR BD ETF	464287457
VO	VANGUARD INDEX FDS	12,966	$1.513M	0.1%	$95.81	—	MID CAP ETF	922908629
AGZ	ISHARES TR	13,250	$1.511M	0.1%	$110.73	—	AGENCY BOND ETF	464288166
—	SPDR SERIES TRUST	55,879	$1.361M	0.1%	$24.31	—	NUVN BR SHT MUNI	78464A425
XOM	EXXON MOBIL CORP	17,890	$1.33M	0.1%	$54.30	-9.6%	COM	30231G102
SCHP	SCHWAB STRATEGIC TR	24,093	$1.293M	0.1%	$53.54	—	US TIPS ETF	808524870
DJP	BARCLAYS BK PLC	48,450	$1.185M	0.1%	$30.64	—	DJUBS CMDT ETN36	06738C778
SCHM	SCHWAB STRATEGIC TR	22,692	$883K	0.1%	$35.53	—	US MID-CAP ETF	808524508
SCHA	SCHWAB STRATEGIC TR	16,553	$841K	0.1%	$48.79	—	US SML CAP ETF	808524607
JPM	JPMORGAN CHASE & CO	13,359	$814K	0.1%	$49.14	+1.0%	COM	46625H100
SCHE	SCHWAB STRATEGIC TR	39,028	$789K	0.1%	$23.92	—	EMRG MKTEQ ETF	808524706
BRK/A	BERKSHIRE HATHAWAY INC DEL	4	$781K	0.1%	$193871.08	+6.3%	CL A	084670108
—	RYDEX ETF TRUST	15,276	$730K	0.1%	$40.67	—	GUG S&P500 PU VA	78355W304
MDY	SPDR S&P MIDCAP 400 ETF TR	2,920	$727K	0.1%	$210.16	—	UTSER1 S&PDCRP	78467Y107
—	POWERSHARES ETF TRUST II	27,500	$705K	0.1%	$27.70	—	INTL CORP BOND	73936Q835
VB	VANGUARD INDEX FDS	6,479	$699K	0.1%	$99.99	—	SMALL CP ETF	922908751
FTSM	FIRST TR EXCHANGE TRADED FD	11,000	$659K	0.1%	$60.00	—	FIRST TR ENH NEW	33739Q408
DIA	SPDR DOW JONES INDL AVRG ETF	3,937	$640K	0.1%	$148.57	—	UT SER 1	78467X109
IWP	ISHARES TR	7,150	$634K	0.1%	$86.35	—	RUS MD CP GR ETF	464287481
STPZ	PIMCO ETF TR	12,202	$629K	0.1%	$52.61	—	1-5 US TIP IDX	72201R205
PFE	PFIZER INC	19,534	$614K	0.1%	$18.62	+10.7%	COM	717081103
HYS	PIMCO ETF TR	6,450	$610K	0.1%	$100.78	—	0-5 HIGH YIELD	72201R783
TMP	TOMPKINS FINANCIAL CORPORATI	10,796	$576K	0.1%	$38.35	0.0%	COM	890110109
BWZ	SPDR SERIES TRUST	19,040	$573K	0.1%	$30.43	—	SHRT INTL ETF	78464A334
EEM	ISHARES TR	16,290	$534K	0.0%	$39.44	—	MSCI EMG MKT ETF	464287234
LOW	LOWES COS INC	7,680	$529K	0.0%	$39.01	+45.9%	COM	548661107
—	POWERSHARES ETF TRUST II	21,707	$500K	0.0%	$24.70	—	SENIOR LN PORT	73936Q769
JNJ	JOHNSON & JOHNSON	5,329	$497K	0.0%	$62.27	+16.4%	COM	478160104
SCHH	SCHWAB STRATEGIC TR	13,132	$488K	0.0%	$32.42	—	US REIT ETF	808524847
SJNK	SPDR SER TR	17,000	$458K	0.0%	$30.82	—	SHT TRM HGH YLD	78468R408
SCHC	SCHWAB STRATEGIC TR	15,466	$441K	0.0%	$28.16	—	INTL SCEQT ETF	808524888
NEAR	ISHARES U S ETF TR	8,785	$440K	0.0%	$50.13	—	SHT MAT BD ETF	46431W507
IWO	ISHARES TR	3,255	$436K	0.0%	$136.53	—	RUS 2000 GRW ETF	464287648
KMB	KIMBERLY CLARK CORP	3,785	$413K	0.0%	$63.06	+22.7%	COM	494368103
MBB	ISHARES TR	3,710	$407K	0.0%	$109.70	—	MBS ETF	464288588
SCHV	SCHWAB STRATEGIC TR	9,938	$396K	0.0%	$37.52	—	US LCAP VA ETF	808524409
ALL	ALLSTATE CORP	6,302	$367K	0.0%	$41.54	+19.8%	COM	020002101
IWS	ISHARES TR	5,100	$342K	0.0%	$70.55	—	RUS MDCP VAL ETF	464287473
PEP	PEPSICO INC	3,619	$341K	0.0%	$56.15	+23.8%	COM	713448108
—	SPDR SERIES TRUST	13,551	$327K	0.0%	$24.13	—	NUVN BRCLY MUNI	78464A458
VCSH	VANGUARD SCOTTSDALE FDS	4,005	$319K	0.0%	$79.51	—	SHRT TRM CORP BD	92206C409
MSFT	MICROSOFT CORP	7,214	$319K	0.0%	$27.48	+41.7%	COM	594918104
CVS	CVS HEALTH CORP	3,249	$313K	0.0%	$75.25	+3.4%	COM	126650100
SUB	ISHARES TR	2,900	$307K	0.0%	$105.86	—	SHT NTLAMTFR ETF	464288158
VTEB	VANGUARD MUN BD FD INC	6,100	$306K	0.0%	$50.16	—	TAX-EXEMPT BD	922907746
—	MARKET VECTORS ETF TR	12,900	$305K	0.0%	$23.64	—	MKTVEC INTMUETF	57060U845
VTI	VANGUARD INDEX FDS	2,985	$295K	0.0%	$83.70	—	TOTAL STK MKT	922908769
STIP	ISHARES TR	2,863	$284K	0.0%	$99.26	—	0-5 YR TIPS ETF	46429B747
AAPL	APPLE INC	2,479	$273K	0.0%	$22.50	+16.8%	COM	037833100
IWN	ISHARES TR	2,915	$263K	0.0%	$101.69	—	RUS 2000 VAL ETF	464287630
—	DU PONT E I DE NEMOURS & CO	5,400	$260K	0.0%	$67.04	—	COM	263534109
—	GENERAL ELECTRIC CO	8,444	$213K	0.0%	$24.27	—	COM	369604103
—	MERRIMACK PHARMACEUTICALS IN	17,532	$149K	0.0%	$5.35	—	COM	590328100
—	CYPRESS SEMICONDUCTOR CORP	10,425	$89,000	0.0%	$11.80	—	COM	232806109