Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	1,289,798	$264M	22.9%	$170.90	—	CORE S&P500 ETF	464287200
IJH	ISHARES TR	977,080	$136M	11.8%	$118.58	—	CORE S&P MCP ETF	464287507
IJR	ISHARES TR	1,042,218	$115M	9.9%	$93.19	—	CORE S&P SCP ETF	464287804
IEFA	ISHARES TR	1,762,431	$95.84M	8.3%	$56.87	—	CORE MSCI EAFE	46432F842
SPY	SPDR S&P 500 ETF TR	451,945	$92.14M	8.0%	$160.42	—	TR UNIT	78462F103
FLOT	ISHARES TR	1,073,165	$54.13M	4.7%	$50.71	—	FLTG RATE BD ETF	46429B655
VTIP	VANGUARD MALVERN FDS	1,066,547	$51.57M	4.5%	$49.32	—	STRM INFPROIDX	922020805
BND	VANGUARD BD INDEX FD INC	430,117	$34.74M	3.0%	$81.13	—	TOTAL BND MRKT	921937835
IEMG	ISHARES INC	870,011	$34.27M	3.0%	$43.84	—	CORE MSCI EMKT	46434G103
RWR	SPDR SERIES TRUST	341,706	$31.31M	2.7%	$76.93	—	DJ REIT ETF	78464A607
EFA	ISHARES TR	438,501	$25.75M	2.2%	$59.11	—	MSCI EAFE ETF	464287465
RWX	SPDR INDEX SHS FDS	449,567	$17.59M	1.5%	$40.17	—	DJ INTL RL ETF	78463X863
IVE	ISHARES TR	148,404	$13.14M	1.1%	$76.28	—	S&P 500 VAL ETF	464287408
VEA	VANGUARD TAX MANAGED INTL FD	355,622	$13.06M	1.1%	$36.62	—	FTSE DEV MKT ETF	921943858
VV	VANGUARD INDEX FDS	137,525	$12.86M	1.1%	$86.10	—	LARGE CAP ETF	922908637
IWC	ISHARES TR	168,849	$12.17M	1.1%	$67.74	—	MICRO-CAP ETF	464288869
DJP	BARCLAYS BK PLC	502,889	$10.8M	0.9%	$22.35	—	DJUBS CMDT ETN36	06738C778
FTSL	FIRST TR EXCHANGE TRADED FD	169,885	$7.963M	0.7%	$47.79	—	SENIOR LN FD	33738D309
TIP	ISHARES TR	63,247	$6.937M	0.6%	$111.78	—	TIPS BD ETF	464287176
VWO	VANGUARD INTL EQUITY INDEX F	202,130	$6.612M	0.6%	$37.71	—	FTSE EMR MKT ETF	922042858
SCHZ	SCHWAB STRATEGIC TR	110,846	$5.709M	0.5%	$51.64	—	US AGGREGATE B	808524839
AGG	ISHARES TR	49,268	$5.321M	0.5%	$108.83	—	CORE US AGGBD ET	464287226
IGSB	ISHARES TR	50,841	$5.318M	0.5%	$105.33	—	1-3 YR CR BD ETF	464288646
—	FIRST NIAGARA FINL GP INC	417,040	$4.525M	0.4%	$10.07	—	COM	33582V108
PAYX	PAYCHEX INC	84,439	$4.466M	0.4%	$25.05	+53.9%	COM	704326107
IJK	ISHARES TR	21,941	$3.532M	0.3%	$128.83	—	S&P MC 400GR ETF	464287606
—	POWERSHARES DB CMDTY IDX TRA	260,355	$3.478M	0.3%	$20.74	—	UNIT BEN INT	73935S105
SCHX	SCHWAB STRATEGIC TR	70,881	$3.443M	0.3%	$44.24	—	US LRG CAP ETF	808524201
IJJ	ISHARES TR	28,891	$3.386M	0.3%	$102.13	—	S&P MC 400VL ETF	464287705
SHV	ISHARES TR	28,650	$3.158M	0.3%	$110.26	—	SHRT TRS BD ETF	464288679
IJT	ISHARES TR	24,125	$2.999M	0.3%	$96.84	—	SP SMCP600GR ETF	464287887
SCHF	SCHWAB STRATEGIC TR	108,367	$2.987M	0.3%	$27.91	—	INTL EQTY ETF	808524805
EFV	ISHARES TR	60,653	$2.822M	0.2%	$49.01	—	EAFE VALUE ETF	464288877
IJS	ISHARES TR	26,018	$2.814M	0.2%	$93.43	—	SP SMCP600VL ETF	464287879
EWX	SPDR INDEX SHS FDS	73,436	$2.769M	0.2%	$44.38	—	S&P EMKTSC ETF	78463X756
VO	VANGUARD INDEX FDS	22,821	$2.741M	0.2%	$106.30	—	MID CAP ETF	922908629
VNQ	VANGUARD INDEX FDS	30,996	$2.471M	0.2%	$68.59	—	REIT ETF	922908553
GWX	SPDR INDEX SHS FDS	79,837	$2.254M	0.2%	$28.84	—	S&P INTL SMLCP	78463X871
SCZ	ISHARES TR	44,505	$2.223M	0.2%	$48.48	—	EAFE SML CP ETF	464288273
NYF	ISHARES TR	18,775	$2.101M	0.2%	$106.61	—	NY AMTFRE MU ETF	464288323
BSV	VANGUARD BD INDEX FD INC	26,055	$2.073M	0.2%	$80.25	—	SHORT TRM BOND	921937827
GNR	SPDR INDEX SHS FDS	62,300	$2M	0.2%	$42.52	—	GLB NAT RESRCE	78463X541
IEI	ISHARES TR	15,870	$1.946M	0.2%	$120.95	—	3-7 YR TR BD ETF	464288661
LQD	ISHARES TR	17,000	$1.938M	0.2%	$117.08	—	IBOXX INV CP ETF	464287242
IGOV	ISHARES TR	20,290	$1.819M	0.2%	$94.16	—	INTL TREA BD ETF	464288117
IWF	ISHARES TR	18,055	$1.796M	0.2%	$74.32	—	RUS 1000 GRW ETF	464287614
IVW	ISHARES TR	15,422	$1.786M	0.2%	$84.53	—	S&P 500 GRWT ETF	464287309
—	POWERSHARES ETF TRUST II	65,040	$1.64M	0.1%	$26.27	—	INTL CORP BOND	73936Q835
GLD	SPDR GOLD TRUST	15,805	$1.604M	0.1%	$118.67	—	GOLD SHS	78463V107
—	ISHARES GOLD TRUST	154,025	$1.576M	0.1%	$11.92	—	ISHARES	464285105
AGZ	ISHARES TR	13,250	$1.499M	0.1%	$110.73	—	AGENCY BOND ETF	464288166
—	EXXON MOBIL CORP	18,297	$1.426M	0.1%	$77.94	—	COM	30231g102
—	SPDR SERIES TRUST	56,164	$1.368M	0.1%	$24.31	—	NUVN BR SHT MUNI	78464A425
SHY	ISHARES TR	15,950	$1.346M	0.1%	$84.38	—	1-3 YR TR BD ETF	464287457
SCHP	SCHWAB STRATEGIC TR	22,103	$1.174M	0.1%	$53.54	—	US TIPS ETF	808524870
SCHE	SCHWAB STRATEGIC TR	55,980	$1.092M	0.1%	$22.59	—	EMRG MKTEQ ETF	808524706
STPZ	PIMCO ETF TR	18,503	$950K	0.1%	$52.18	—	1-5 US TIP IDX	72201R205
—	JPMORGAN CHASE & CO	14,261	$942K	0.1%	$66.05	—	COM	46625h100
SCHM	SCHWAB STRATEGIC TR	23,073	$925K	0.1%	$35.60	—	US MID-CAP ETF	808524508
VB	VANGUARD INDEX FDS	8,014	$887K	0.1%	$102.03	—	SMALL CP ETF	922908751
SCHA	SCHWAB STRATEGIC TR	16,649	$867K	0.1%	$48.79	—	US SML CAP ETF	808524607
BRK/A	BERKSHIRE HATHAWAY INC DEL	4	$791K	0.1%	$193871.08	+3.8%	CL A	084670108
SCHV	SCHWAB STRATEGIC TR	17,520	$744K	0.1%	$39.66	—	US LCAP VA ETF	808524409
MDY	SPDR S&P MIDCAP 400 ETF TR	2,870	$729K	0.1%	$210.16	—	UTSER1 S&PDCRP	78467Y107
DIA	SPDR DOW JONES INDL AVRG ETF	3,937	$685K	0.1%	$148.57	—	UT SER 1	78467X109
HYS	PIMCO ETF TR	7,300	$669K	0.1%	$99.71	—	0-5 HIGH YIELD	72201R783
—	RYDEX ETF TRUST	13,562	$667K	0.1%	$40.67	—	GUG S&P500 PU VA	78355W304
BWZ	SPDR SERIES TRUST	22,285	$663K	0.1%	$30.33	—	SHRT INTL ETF	78464A334
IWP	ISHARES TR	7,150	$657K	0.1%	$86.35	—	RUS MD CP GR ETF	464287481
PFE	PFIZER INC	19,274	$622K	0.1%	$18.62	+9.5%	COM	717081103
LOW	LOWES COS INC	7,680	$584K	0.1%	$39.01	+58.2%	COM	548661107
JNJ	JOHNSON & JOHNSON	5,609	$576K	0.0%	$62.95	+20.6%	COM	478160104
SCHH	SCHWAB STRATEGIC TR	13,137	$521K	0.0%	$32.42	—	US REIT ETF	808524847
SPSB	SPDR SERIES TRUST	16,350	$497K	0.0%	$30.61	—	BARC SHT TR CP	78464A474
MBB	ISHARES TR	4,610	$496K	0.0%	$109.29	—	MBS ETF	464288588
TMP	TOMPKINS FINANCIAL CORPORATI	8,796	$494K	0.0%	$38.35	+9.0%	COM	890110109
—	POWERSHARES ETF TRUST II	20,845	$467K	0.0%	$24.70	—	SENIOR LN PORT	73936Q769
SCHC	SCHWAB STRATEGIC TR	16,054	$463K	0.0%	$28.18	—	INTL SCEQT ETF	808524888
IWO	ISHARES TR	3,255	$453K	0.0%	$136.53	—	RUS 2000 GRW ETF	464287648
—	SPDR SERIES TRUST	18,039	$440K	0.0%	$24.20	—	NUVN BRCLY MUNI	78464A458
MSFT	MICROSOFT CORP	7,679	$426K	0.0%	$28.59	+60.6%	COM	594918104
—	MARKET VECTORS ETF TR	17,300	$415K	0.0%	$23.73	—	MKTVEC INTMUETF	57060U845
SUB	ISHARES TR	3,900	$413K	0.0%	$105.87	—	SHT NTLAMTFR ETF	464288158
VTEB	VANGUARD MUN BD FD INC	8,100	$413K	0.0%	$50.37	—	TAX-EXEMPT BD	922907746
—	UBS AG JERSEY BRH	15,145	$396K	0.0%	$41.69	—	ALERIAN INFRST	902641646
ALL	ALLSTATE CORP	6,302	$391K	0.0%	$41.54	+19.8%	COM	020002101
BIV	VANGUARD BD INDEX FD INC	4,400	$365K	0.0%	$82.95	—	INTERMED TERM	921937819
PEP	PEPSICO INC	3,619	$362K	0.0%	$56.15	+30.8%	COM	713448108
—	DU PONT E I DE NEMOURS & CO	5,400	$360K	0.0%	$67.04	—	COM	263534109
IWN	ISHARES TR	3,890	$358K	0.0%	$99.27	—	RUS 2000 VAL ETF	464287630
KMB	KIMBERLY CLARK CORP	2,785	$355K	0.0%	$63.06	+34.8%	COM	494368103
IWS	ISHARES TR	5,100	$350K	0.0%	$70.55	—	RUS MDCP VAL ETF	464287473
AAPL	APPLE INC	3,313	$349K	0.0%	$23.31	+10.4%	COM	037833100
VCSH	VANGUARD SCOTTSDALE FDS	4,135	$327K	0.0%	$79.49	—	SHRT TRM CORP BD	92206C409
STIP	ISHARES TR	3,271	$324K	0.0%	$99.23	—	0-5 YR TIPS ETF	46429B747
VTI	VANGUARD INDEX FDS	3,075	$321K	0.0%	$84.31	—	TOTAL STK MKT	922908769
—	GENERAL ELECTRIC CO	10,247	$319K	0.0%	$25.48	—	COM	369604103
GVI	ISHARES TR	2,550	$280K	0.0%	$109.80	—	INTRM GOV/CR ETF	464288612
EEM	ISHARES TR	7,565	$244K	0.0%	$39.44	—	MSCI EMG MKT ETF	464287234
INTC	INTEL CORP	7,049	$243K	0.0%	$26.65	0.0%	COM	458140100
SJNK	SPDR SER TR	9,300	$239K	0.0%	$30.82	—	SHT TRM HGH YLD	78468R408
CVS	CVS HEALTH CORP	2,182	$213K	0.0%	$75.25	-3.5%	COM	126650100
IWM	ISHARES TR	1,850	$208K	0.0%	$112.43	—	RUSSELL 2000 ETF	464287655
DIS	DISNEY WALT CO	1,925	$202K	0.0%	$102.22	0.0%	COM DISNEY	254687106
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,525	$201K	0.0%	$134.20	0.0%	CL B NEW	084670702
—	MERRIMACK PHARMACEUTICALS IN	17,532	$139K	0.0%	$5.35	—	COM	590328100
—	NOVAVAX INC	15,040	$126K	0.0%	$8.38	—	COM	670002104
—	CYPRESS SEMICONDUCTOR CORP	10,425	$102K	0.0%	$11.80	—	COM	232806109