Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	1,412,705	$297M	24.8%	$174.07	—	CORE S&P500 ETF	464287200
IJH	ISHARES TR	1,016,651	$152M	12.7%	$120.10	—	CORE S&P MCP ETF	464287507
IJR	ISHARES TR	1,076,838	$125M	10.4%	$94.17	—	CORE S&P SCP ETF	464287804
IEFA	ISHARES TR	2,175,533	$113M	9.4%	$56.15	—	CORE MSCI EAFE	46432F842
SPY	SPDR S&P 500 ETF TR	437,819	$91.71M	7.6%	$160.42	—	TR UNIT	78462F103
FLOT	ISHARES TR	1,127,835	$57.09M	4.8%	$50.71	—	FLTG RATE BD ETF	46429B655
VTIP	VANGUARD MALVERN FDS	1,042,340	$51.58M	4.3%	$49.48	—	STRM INFPROIDX	922020805
BND	VANGUARD BD INDEX FD INC	419,055	$35.33M	2.9%	$81.22	—	TOTAL BND MRKT	921937835
IEMG	ISHARES INC	798,376	$33.4M	2.8%	$43.84	—	CORE MSCI EMKT	46434G103
RWR	SPDR SERIES TRUST	334,024	$33.21M	2.8%	$76.93	—	DJ REIT ETF	78464A607
RWX	SPDR INDEX SHS FDS	461,662	$19.14M	1.6%	$40.20	—	DJ INTL RL ETF	78463X863
EFA	ISHARES TR	281,432	$15.71M	1.3%	$59.11	—	MSCI EAFE ETF	464287465
IWC	ISHARES TR	213,464	$15.1M	1.3%	$67.78	—	MICRO-CAP ETF	464288869
IVE	ISHARES TR	147,181	$13.67M	1.1%	$76.28	—	S&P 500 VAL ETF	464287408
VEA	VANGUARD TAX MANAGED INTL FD	288,000	$10.18M	0.8%	$36.62	—	FTSE DEV MKT ETF	921943858
TIP	ISHARES TR	61,603	$7.187M	0.6%	$111.84	—	TIPS BD ETF	464287176
AGG	ISHARES TR	61,390	$6.913M	0.6%	$109.45	—	CORE US AGGBD ET	464287226
VWO	VANGUARD INTL EQUITY INDEX F	165,384	$5.826M	0.5%	$37.71	—	FTSE EMR MKT ETF	922042858
IGSB	ISHARES TR	52,098	$5.527M	0.5%	$105.35	—	1-3 YR CR BD ETF	464288646
PAYX	PAYCHEX INC	84,915	$5.052M	0.4%	$25.05	+60.3%	COM	704326107
VV	VANGUARD INDEX FDS	47,655	$4.568M	0.4%	$86.10	—	LARGE CAP ETF	922908637
SCHX	SCHWAB STRATEGIC TR	80,915	$4.027M	0.3%	$44.85	—	US LRG CAP ETF	808524201
FTSL	FIRST TR EXCHANGE TRADED FD	80,514	$3.842M	0.3%	$47.79	—	SENIOR LN FD	33738D309
IJJ	ISHARES TR	27,165	$3.478M	0.3%	$102.13	—	S&P MC 400VL ETF	464287705
IJK	ISHARES TR	20,560	$3.477M	0.3%	$128.83	—	S&P MC 400GR ETF	464287606
—	POWERSHARES DB CMDTY IDX TRA	220,936	$3.391M	0.3%	$20.74	—	UNIT BEN INT	73935S105
EWX	SPDR INDEX SHS FDS	83,203	$3.275M	0.3%	$43.60	—	S&P EMKTSC ETF	78463X756
SCHF	SCHWAB STRATEGIC TR	112,796	$3.058M	0.3%	$27.88	—	INTL EQTY ETF	808524805
SHV	ISHARES TR	26,925	$2.974M	0.2%	$110.26	—	SHRT TRS BD ETF	464288679
IJT	ISHARES TR	22,430	$2.88M	0.2%	$96.84	—	SP SMCP600GR ETF	464287887
IJS	ISHARES TR	23,635	$2.761M	0.2%	$93.43	—	SP SMCP600VL ETF	464287879
—	FIRST NIAGARA FINL GP INC	267,041	$2.601M	0.2%	$10.07	—	COM	33582V108
GNR	SPDR INDEX SHS FDS	62,300	$2.312M	0.2%	$42.52	—	GLB NAT RESRCE	78463X541
EFV	ISHARES TR	53,685	$2.305M	0.2%	$48.90	—	EAFE VALUE ETF	464288877
GWX	SPDR INDEX SHS FDS	78,049	$2.268M	0.2%	$28.84	—	S&P INTL SMLCP	78463X871
SCZ	ISHARES TR	46,049	$2.222M	0.2%	$48.53	—	EAFE SML CP ETF	464288273
BSV	VANGUARD BD INDEX FD INC	25,560	$2.072M	0.2%	$80.56	—	SHORT TRM BOND	921937827
IGOV	ISHARES TR	20,345	$2.026M	0.2%	$94.34	—	INTL TREA BD ETF	464288117
NYF	ISHARES TR	17,395	$2.005M	0.2%	$106.99	—	NEW YORK MUN ETF	464288323
DJP	BARCLAYS BK PLC	79,108	$1.956M	0.2%	$22.35	—	DJUBS CMDT ETN36	06738C778
—	ISHARES GOLD TRUST	141,350	$1.804M	0.2%	$11.92	—	ISHARES	464285105
—	EXXON MOBIL CORP	18,890	$1.771M	0.1%	$93.75	—	COM	30231g102
IWF	ISHARES TR	17,555	$1.762M	0.1%	$74.32	—	RUS 1000 GRW ETF	464287614
GLD	SPDR GOLD TRUST	13,819	$1.748M	0.1%	$118.67	—	GOLD SHS	78463V107
IVW	ISHARES TR	14,822	$1.728M	0.1%	$84.53	—	S&P 500 GRWT ETF	464287309
SHY	ISHARES TR	19,950	$1.702M	0.1%	$84.51	—	1-3 YR TR BD ETF	464287457
IEI	ISHARES TR	12,510	$1.593M	0.1%	$120.95	—	3-7 YR TR BD ETF	464288661
AGZ	ISHARES TR	13,150	$1.524M	0.1%	$110.73	—	AGENCY BOND ETF	464288166
LQD	ISHARES TR	12,325	$1.513M	0.1%	$117.86	—	IBOXX INV CP ETF	464287242
VO	VANGUARD INDEX FDS	12,176	$1.505M	0.1%	$106.30	—	MID CAP ETF	922908629
SHM	SPDR SER TR	25,263	$1.24M	0.1%	$48.80	—	NUVN BR SHT MUNI	78468R739
SCHM	SCHWAB STRATEGIC TR	26,347	$1.107M	0.1%	$36.25	—	US MID-CAP ETF	808524508
SCHP	SCHWAB STRATEGIC TR	19,315	$1.091M	0.1%	$53.54	—	US TIPS ETF	808524870
SCHE	SCHWAB STRATEGIC TR	49,139	$1.046M	0.1%	$22.57	—	EMRG MKTEQ ETF	808524706
SCHA	SCHWAB STRATEGIC TR	19,306	$1.043M	0.1%	$49.30	—	US SML CAP ETF	808524607
STPZ	PIMCO ETF TR	18,655	$986K	0.1%	$52.21	—	1-5 US TIP IDX	72201R205
MBB	ISHARES TR	8,320	$915K	0.1%	$109.51	—	MBS ETF	464288588
—	POWERSHARES ETF TRUST II	34,165	$884K	0.1%	$26.25	—	INTL CORP BOND	73936Q835
SUB	ISHARES TR	8,275	$880K	0.1%	$106.09	—	SHRT NAT MUN ETF	464288158
BRK/A	BERKSHIRE HATHAWAY INC DEL	4	$868K	0.1%	$193871.08	+10.6%	CL A	084670108
TFI	SPDR SER TR	16,875	$854K	0.1%	$49.69	—	NUVN BRCLY MUNI	78468R721
—	JPMORGAN CHASE & CO	13,687	$851K	0.1%	$62.18	—	COM	46625h100
—	VANECK VECTORS ETF TR	34,100	$847K	0.1%	$24.84	—	AMT FREE INT ETF	92189F544
VTEB	VANGUARD MUN BD FD INC	16,000	$843K	0.1%	$51.22	—	TAX EXEMPT BD	922907746
MDY	SPDR S&P MIDCAP 400 ETF TR	2,765	$753K	0.1%	$210.89	—	UTSER1 S&PDCRP	78467Y107
HYS	PIMCO ETF TR	7,700	$746K	0.1%	$99.36	—	0-5 HIGH YIELD	72201R783
JNJ	JOHNSON & JOHNSON	6,054	$734K	0.1%	$65.02	+33.9%	COM	478160104
BWZ	SPDR SERIES TRUST	23,060	$725K	0.1%	$30.37	—	SHRT INTL ETF	78464A334
—	RYDEX ETF TRUST	13,277	$677K	0.1%	$40.67	—	GUG S&P500 PU VA	78355W304
VB	VANGUARD INDEX FDS	5,815	$673K	0.1%	$102.03	—	SMALL CP ETF	922908751
IWP	ISHARES TR	7,150	$669K	0.1%	$86.35	—	RUS MD CP GR ETF	464287481
DIA	SPDR DOW JONES INDL AVRG ETF	3,697	$662K	0.1%	$152.57	—	UT SER 1	78467X109
LOW	LOWES COS INC	7,680	$608K	0.1%	$39.01	+66.1%	COM	548661107
PFE	PFIZER INC	16,454	$579K	0.0%	$18.62	+13.1%	COM	717081103
TMP	TOMPKINS FINANCIAL CORPORATI	8,796	$572K	0.0%	$38.35	+26.0%	COM	890110109
SCHH	SCHWAB STRATEGIC TR	12,974	$564K	0.0%	$32.99	—	US REIT ETF	808524847
SCHV	SCHWAB STRATEGIC TR	12,358	$554K	0.0%	$39.77	—	US LCAP VA ETF	808524409
AAPL	APPLE INC	5,129	$490K	0.0%	$23.06	-1.9%	COM	037833100
SCHC	SCHWAB STRATEGIC TR	16,330	$470K	0.0%	$28.19	—	INTL SCEQT ETF	808524888
—	POWERSHARES ETF TRUST II	20,345	$467K	0.0%	$24.70	—	SENIOR LN PORT	73936Q769
—	GENERAL ELECTRIC CO	14,770	$465K	0.0%	$27.59	—	COM	369604103
IWO	ISHARES TR	3,230	$443K	0.0%	$136.53	—	RUS 2000 GRW ETF	464287648
ALL	ALLSTATE CORP	6,302	$441K	0.0%	$41.54	+30.2%	COM	020002101
VTI	VANGUARD INDEX FDS	4,048	$434K	0.0%	$89.86	—	TOTAL STK MKT	922908769
SJNK	SPDR SER TR	15,500	$418K	0.0%	$28.82	—	SHT TRM HGH YLD	78468R408
KMB	KIMBERLY CLARK CORP	2,935	$404K	0.0%	$64.64	+45.3%	COM	494368103
MSFT	MICROSOFT CORP	7,879	$403K	0.0%	$29.03	+58.4%	COM	594918104
PEP	PEPSICO INC	3,719	$394K	0.0%	$56.72	+35.9%	COM	713448108
STIP	ISHARES TR	3,712	$377K	0.0%	$99.56	—	0-5 YR TIPS ETF	46429B747
IWS	ISHARES TR	5,040	$374K	0.0%	$70.55	—	RUS MDCP VAL ETF	464287473
IWN	ISHARES TR	3,815	$371K	0.0%	$99.27	—	RUS 2000 VAL ETF	464287630
—	DU PONT E I DE NEMOURS & CO	5,400	$350K	0.0%	$67.04	—	COM	263534109
VCSH	VANGUARD SCOTTSDALE FDS	4,175	$338K	0.0%	$79.49	—	SHRT TRM CORP BD	92206C409
—	CLAYMORE EXCHANGE TRD FD TR	13,600	$300K	0.0%	$22.06	—	GUGG CRP BD 2016	18383M555
GVI	ISHARES TR	2,550	$289K	0.0%	$109.80	—	INTRM GOV/CR ETF	464288612
SLB	SCHLUMBERGER LTD	3,246	$257K	0.0%	$58.24	0.0%	COM	806857108
EEM	ISHARES TR	6,884	$237K	0.0%	$39.44	—	MSCI EMG MKT ETF	464287234
PM	PHILIP MORRIS INTL INC	2,190	$223K	0.0%	$55.87	+9.9%	COM	718172109
—	PRAXAIR INC	1,925	$216K	0.0%	$114.29	—	COM	74005P104
INTC	INTEL CORP	6,600	$216K	0.0%	$26.65	-5.7%	COM	458140100
IWM	ISHARES TR	1,850	$213K	0.0%	$112.43	—	RUSSELL 2000 ETF	464287655
CVS	CVS HEALTH CORP	2,189	$210K	0.0%	$75.25	-1.0%	COM	126650100
VOO	VANGUARD INDEX FDS	1,075	$207K	0.0%	$192.56	—	S&P 500 ETF SHS	922908363
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,425	$206K	0.0%	$134.20	+6.5%	CL B NEW	084670702
—	NOVAVAX INC	15,040	$109K	0.0%	$8.38	—	COM	670002104
—	MERRIMACK PHARMACEUTICALS IN	17,532	$94,000	0.0%	$5.35	—	COM	590328100