Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	1,391,362	$288M	25.5%	$173.51	—	CORE S&P500 ETF	464287200
IJH	ISHARES TR	1,038,809	$150M	13.3%	$120.10	—	CORE S&P MCP ETF	464287507
IJR	ISHARES TR	1,097,690	$124M	10.9%	$94.17	—	CORE S&P SCP ETF	464287804
IEFA	ISHARES TR	2,146,013	$114M	10.1%	$56.21	—	CORE MSCI EAFE	46432F842
SPY	SPDR S&P 500 ETF TR	445,194	$91.5M	8.1%	$160.42	—	TR UNIT	78462F103
FLOT	ISHARES TR	1,024,880	$51.67M	4.6%	$50.71	—	FLTG RATE BD ETF	46429B655
IEMG	ISHARES INC	813,295	$33.85M	3.0%	$43.84	—	CORE MSCI EMKT	46434G103
BND	VANGUARD BD INDEX FD INC	406,633	$33.67M	3.0%	$81.13	—	TOTAL BND MRKT	921937835
RWR	SPDR SERIES TRUST	337,324	$32.1M	2.8%	$76.93	—	DJ REIT ETF	78464A607
RWX	SPDR INDEX SHS FDS	456,328	$18.92M	1.7%	$40.19	—	DJ INTL RL ETF	78463X863
EFA	ISHARES TR	286,141	$16.36M	1.4%	$59.11	—	MSCI EAFE ETF	464287465
IWC	ISHARES TR	212,626	$14.44M	1.3%	$67.78	—	MICRO-CAP ETF	464288869
IVE	ISHARES TR	148,541	$13.36M	1.2%	$76.28	—	S&P 500 VAL ETF	464287408
VEA	VANGUARD TAX MANAGED INTL FD	289,955	$10.4M	0.9%	$36.62	—	FTSE DEV MKT ETF	921943858
TIP	ISHARES TR	60,932	$6.985M	0.6%	$111.78	—	TIPS BD ETF	464287176
SCHZ	SCHWAB STRATEGIC TR	116,230	$6.139M	0.5%	$51.70	—	US AGGREGATE B	808524839
VWO	VANGUARD INTL EQUITY INDEX F	172,788	$5.975M	0.5%	$37.71	—	FTSE EMR MKT ETF	922042858
AGG	ISHARES TR	53,708	$5.952M	0.5%	$108.99	—	CORE US AGGBD ET	464287226
IGSB	ISHARES TR	50,368	$5.31M	0.5%	$105.33	—	1-3 YR CR BD ETF	464288646
PAYX	PAYCHEX INC	84,452	$4.561M	0.4%	$25.05	+49.6%	COM	704326107
VV	VANGUARD INDEX FDS	47,655	$4.48M	0.4%	$86.10	—	LARGE CAP ETF	922908637
FTSL	FIRST TR EXCHANGE TRADED FD	84,306	$4.007M	0.4%	$47.79	—	SENIOR LN FD	33738D309
SCHX	SCHWAB STRATEGIC TR	77,697	$3.795M	0.3%	$44.64	—	US LRG CAP ETF	808524201
IJJ	ISHARES TR	27,966	$3.469M	0.3%	$102.13	—	S&P MC 400VL ETF	464287705
IJK	ISHARES TR	21,161	$3.441M	0.3%	$128.83	—	S&P MC 400GR ETF	464287606
EWX	SPDR INDEX SHS FDS	85,518	$3.327M	0.3%	$43.60	—	S&P EMKTSC ETF	78463X756
SCHF	SCHWAB STRATEGIC TR	110,752	$3.002M	0.3%	$27.90	—	INTL EQTY ETF	808524805
SHV	ISHARES TR	26,925	$2.971M	0.3%	$110.26	—	SHRT TRS BD ETF	464288679
—	POWERSHARES DB CMDTY IDX TRA	221,086	$2.938M	0.3%	$20.74	—	UNIT BEN INT	73935S105
IJT	ISHARES TR	23,071	$2.865M	0.3%	$96.84	—	SP SMCP600GR ETF	464287887
—	FIRST NIAGARA FINL GP INC	295,542	$2.861M	0.3%	$10.07	—	COM	33582V108
IJS	ISHARES TR	24,499	$2.776M	0.2%	$93.43	—	SP SMCP600VL ETF	464287879
VNQ	VANGUARD INDEX FDS	30,024	$2.516M	0.2%	$68.59	—	REIT ETF	922908553
EFV	ISHARES TR	52,671	$2.363M	0.2%	$49.01	—	EAFE VALUE ETF	464288877
SCZ	ISHARES TR	45,968	$2.289M	0.2%	$48.53	—	EAFE SML CP ETF	464288273
GWX	SPDR INDEX SHS FDS	79,014	$2.257M	0.2%	$28.84	—	S&P INTL SMLCP	78463X871
GNR	SPDR INDEX SHS FDS	62,300	$2.179M	0.2%	$42.52	—	GLB NAT RESRCE	78463X541
IGOV	ISHARES TR	19,645	$1.909M	0.2%	$94.16	—	INTL TREA BD ETF	464288117
NYF	ISHARES TR	16,630	$1.877M	0.2%	$106.61	—	NEW YORK MUN ETF	464288323
GLD	SPDR GOLD TRUST	15,819	$1.861M	0.2%	$118.67	—	GOLD SHS	78463V107
—	ISHARES GOLD TRUST	153,750	$1.827M	0.2%	$11.92	—	ISHARES	464285105
IVW	ISHARES TR	15,422	$1.787M	0.2%	$84.53	—	S&P 500 GRWT ETF	464287309
IWF	ISHARES TR	17,555	$1.752M	0.2%	$74.32	—	RUS 1000 GRW ETF	464287614
DJP	BARCLAYS BK PLC	78,790	$1.694M	0.2%	$22.35	—	DJUBS CMDT ETN36	06738C778
SHY	ISHARES TR	19,725	$1.677M	0.1%	$84.51	—	1-3 YR TR BD ETF	464287457
IEI	ISHARES TR	12,445	$1.567M	0.1%	$120.95	—	3-7 YR TR BD ETF	464288661
AGZ	ISHARES TR	13,150	$1.511M	0.1%	$110.73	—	AGENCY BOND ETF	464288166
VO	VANGUARD INDEX FDS	12,381	$1.501M	0.1%	$106.30	—	MID CAP ETF	922908629
XOM	EXXON MOBIL CORP	17,890	$1.495M	0.1%	$51.96	0.0%	COM	30231G102
BSV	VANGUARD BD INDEX FD INC	15,885	$1.281M	0.1%	$80.25	—	SHORT TRM BOND	921937827
LQD	ISHARES TR	10,625	$1.262M	0.1%	$117.08	—	IBOXX INV CP ETF	464287242
SHM	SPDR SER TR	25,223	$1.231M	0.1%	$48.80	—	NUVN BR SHT MUNI	78468R739
SCHP	SCHWAB STRATEGIC TR	19,179	$1.065M	0.1%	$53.54	—	US TIPS ETF	808524870
SCHM	SCHWAB STRATEGIC TR	25,705	$1.043M	0.1%	$36.11	—	US MID-CAP ETF	808524508
SCHA	SCHWAB STRATEGIC TR	19,755	$1.028M	0.1%	$49.30	—	US SML CAP ETF	808524607
SCHE	SCHWAB STRATEGIC TR	48,481	$1.007M	0.1%	$22.59	—	EMRG MKTEQ ETF	808524706
STPZ	PIMCO ETF TR	17,904	$937K	0.1%	$52.18	—	1-5 US TIP IDX	72201R205
—	POWERSHARES ETF TRUST II	32,965	$868K	0.1%	$26.27	—	INTL CORP BOND	73936Q835
BRK/A	BERKSHIRE HATHAWAY INC DEL	4	$854K	0.1%	$193871.08	+2.9%	CL A	084670108
DIA	SPDR DOW JONES INDL AVRG ETF	4,592	$811K	0.1%	$152.57	—	UT SER 1	78467X109
JPM	JPMORGAN CHASE & CO	13,687	$811K	0.1%	$44.86	0.0%	COM	46625H100
MDY	SPDR S&P MIDCAP 400 ETF TR	2,910	$765K	0.1%	$210.89	—	UTSER1 S&PDCRP	78467Y107
HYS	PIMCO ETF TR	7,700	$716K	0.1%	$99.36	—	0-5 HIGH YIELD	72201R783
BWZ	SPDR SERIES TRUST	22,160	$693K	0.1%	$30.33	—	SHRT INTL ETF	78464A334
—	RYDEX ETF TRUST	13,532	$684K	0.1%	$40.67	—	GUG S&P500 PU VA	78355W304
MBB	ISHARES TR	6,235	$683K	0.1%	$109.36	—	MBS ETF	464288588
VB	VANGUARD INDEX FDS	6,085	$678K	0.1%	$102.03	—	SMALL CP ETF	922908751
IWP	ISHARES TR	7,150	$659K	0.1%	$86.35	—	RUS MD CP GR ETF	464287481
TFI	SPDR SER TR	12,400	$612K	0.1%	$49.35	—	NUVN BRCLY MUNI	78468R721
VTEB	VANGUARD MUN BD FD INC	11,875	$611K	0.1%	$50.71	—	TAX-EXEMPT BD	922907746
SUB	ISHARES TR	5,725	$608K	0.1%	$105.98	—	SHRT NAT MUN ETF	464288158
JNJ	JOHNSON & JOHNSON	5,534	$599K	0.1%	$62.95	+25.1%	COM	478160104
LOW	LOWES COS INC	7,680	$582K	0.1%	$39.01	+50.9%	COM	548661107
TMP	TOMPKINS FINANCIAL CORPORATI	8,796	$563K	0.0%	$38.35	+8.8%	COM	890110109
SCHV	SCHWAB STRATEGIC TR	12,105	$523K	0.0%	$39.66	—	US LCAP VA ETF	808524409
SCHH	SCHWAB STRATEGIC TR	12,307	$510K	0.0%	$32.42	—	US REIT ETF	808524847
PFE	PFIZER INC	16,454	$488K	0.0%	$18.62	+0.3%	COM	717081103
SCHC	SCHWAB STRATEGIC TR	16,166	$468K	0.0%	$28.18	—	INTL SCEQT ETF	808524888
—	POWERSHARES ETF TRUST II	20,345	$462K	0.0%	$24.70	—	SENIOR LN PORT	73936Q769
VTI	VANGUARD INDEX FDS	4,218	$442K	0.0%	$89.86	—	TOTAL STK MKT	922908769
IWO	ISHARES TR	3,255	$432K	0.0%	$136.53	—	RUS 2000 GRW ETF	464287648
ALL	ALLSTATE CORP	6,302	$425K	0.0%	$41.54	+21.6%	COM	020002101
MSFT	MICROSOFT CORP	7,679	$424K	0.0%	$28.59	+61.1%	COM	594918104
SJNK	SPDR SER TR	15,500	$400K	0.0%	$28.82	—	SHT TRM HGH YLD	78468R408
AAPL	APPLE INC	3,471	$378K	0.0%	$23.28	-3.1%	COM	037833100
KMB	KIMBERLY CLARK CORP	2,785	$375K	0.0%	$63.06	+47.1%	COM	494368103
PEP	PEPSICO INC	3,619	$371K	0.0%	$56.15	+30.5%	COM	713448108
IWS	ISHARES TR	5,100	$362K	0.0%	$70.55	—	RUS MDCP VAL ETF	464287473
IWN	ISHARES TR	3,865	$360K	0.0%	$99.27	—	RUS 2000 VAL ETF	464287630
—	DU PONT E I DE NEMOURS & CO	5,400	$342K	0.0%	$67.04	—	COM	263534109
VCSH	VANGUARD SCOTTSDALE FDS	4,175	$334K	0.0%	$79.49	—	SHRT TRM CORP BD	92206C409
STIP	ISHARES TR	3,183	$320K	0.0%	$99.23	—	0-5 YR TIPS ETF	46429B747
—	GENERAL ELECTRIC CO	9,575	$304K	0.0%	$25.48	—	COM	369604103
—	CLAYMORE EXCHANGE TRD FD TR	13,600	$300K	0.0%	$22.06	—	GUGG CRP BD 2016	18383M555
GVI	ISHARES TR	2,550	$286K	0.0%	$109.80	—	INTRM GOV/CR ETF	464288612
EEM	ISHARES TR	7,284	$249K	0.0%	$39.44	—	MSCI EMG MKT ETF	464287234
—	BB&T CORP	6,951	$231K	0.0%	$33.23	—	COM	054937107
CVS	CVS HEALTH CORP	2,186	$227K	0.0%	$75.25	-3.8%	COM	126650100
—	PRAXAIR INC	1,925	$220K	0.0%	$114.29	—	COM	74005P104
PM	PHILIP MORRIS INTL INC	2,190	$215K	0.0%	$55.87	0.0%	COM	718172109
INTC	INTEL CORP	6,600	$214K	0.0%	$26.65	-8.5%	COM	458140100
IWM	ISHARES TR	1,850	$205K	0.0%	$112.43	—	RUSSELL 2000 ETF	464287655
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,425	$202K	0.0%	$134.20	-1.2%	CL B NEW	084670702
—	MERRIMACK PHARMACEUTICALS IN	17,532	$147K	0.0%	$5.35	—	COM	590328100
—	NOVAVAX INC	15,040	$78,000	0.0%	$8.38	—	COM	670002104