Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	1,330,239	$316M	22.2%	$174.07	—	CORE S&P500 ETF	464287200
IJH	ISHARES TR	1,009,110	$173M	12.2%	$120.10	—	CORE S&P MCP ETF	464287507
IEFA	ISHARES TR	2,936,018	$170M	12.0%	$55.96	—	CORE MSCI EAFE	46432F842
IJR	ISHARES TR	2,090,271	$145M	10.2%	$81.72	—	CORE S&P SCP ETF	464287804
SPY	SPDR S&P 500 ETF TR	362,859	$85.54M	6.0%	$160.42	—	TR UNIT	78462F103
FLOT	ISHARES TR	1,337,304	$68.03M	4.8%	$50.72	—	FLTG RATE BD ETF	46429B655
VTIP	VANGUARD MALVERN FDS	1,210,543	$59.89M	4.2%	$49.48	—	STRM INFPROIDX	922020805
IEMG	ISHARES INC	1,241,939	$59.35M	4.2%	$44.12	—	CORE MSCI EMKT	46434G103
BND	VANGUARD BD INDEX FD INC	433,902	$35.18M	2.5%	$81.21	—	TOTAL BND MRKT	921937835
RWR	SPDR SERIES TRUST	352,764	$32.55M	2.3%	$77.77	—	DJ REIT ETF	78464A607
IJJ	ISHARES TR	191,106	$28.37M	2.0%	$138.11	—	S&P MC 400VL ETF	464287705
RWX	SPDR INDEX SHS FDS	554,980	$20.76M	1.5%	$39.67	—	DJ INTL RL ETF	78463X863
VEA	VANGUARD TAX MANAGED INTL FD	501,178	$19.7M	1.4%	$36.61	—	FTSE DEV MKT ETF	921943858
EFA	ISHARES TR	274,194	$17.08M	1.2%	$59.18	—	MSCI EAFE ETF	464287465
IVE	ISHARES TR	119,009	$12.38M	0.9%	$76.28	—	S&P 500 VAL ETF	464287408
TIP	ISHARES TR	97,513	$11.18M	0.8%	$112.66	—	TIPS BD ETF	464287176
IWC	ISHARES TR	126,461	$10.83M	0.8%	$67.78	—	MICRO-CAP ETF	464288869
SCHZ	SCHWAB STRATEGIC TR	182,684	$9.461M	0.7%	$53.30	—	US AGGREGATE B	808524839
AGG	ISHARES TR	81,733	$8.867M	0.6%	$109.46	—	CORE US AGGBD ET	464287226
VWO	VANGUARD INTL EQUITY INDEX F	220,286	$8.75M	0.6%	$37.16	—	FTSE EMR MKT ETF	922042858
IGSB	ISHARES TR	52,123	$5.485M	0.4%	$105.35	—	1-3 YR CR BD ETF	464288646
PAYX	PAYCHEX INC	82,253	$4.845M	0.3%	$25.05	+86.4%	COM	704326107
FTSL	FIRST TR EXCHANGE TRADED FD	93,724	$4.535M	0.3%	$48.07	—	SENIOR LN FD	33738D309
SCHX	SCHWAB STRATEGIC TR	78,153	$4.398M	0.3%	$45.48	—	US LRG CAP ETF	808524201
EFV	ISHARES TR	85,928	$4.322M	0.3%	$48.36	—	EAFE VALUE ETF	464288877
VV	VANGUARD INDEX FDS	39,620	$4.283M	0.3%	$86.10	—	LARGE CAP ETF	922908637
SCHF	SCHWAB STRATEGIC TR	140,696	$4.203M	0.3%	$28.06	—	INTL EQTY ETF	808524805
SCZ	ISHARES TR	66,966	$3.626M	0.3%	$49.16	—	EAFE SML CP ETF	464288273
—	POWERSHARES DB CMDTY IDX TRA	222,680	$3.387M	0.2%	$20.74	—	UNIT BEN INT	73935S105
LQD	ISHARES TR	28,675	$3.381M	0.2%	$118.16	—	IBOXX INV CP ETF	464287242
IEI	ISHARES TR	27,145	$3.34M	0.2%	$122.08	—	3-7 YR TR BD ETF	464288661
EWX	SPDR INDEX SHS FDS	72,540	$3.292M	0.2%	$43.60	—	S&P EMKTSC ETF	78463X756
IJK	ISHARES TR	14,990	$2.862M	0.2%	$129.45	—	S&P MC 400GR ETF	464287606
GNR	SPDR INDEX SHS FDS	62,300	$2.649M	0.2%	$42.52	—	GLB NAT RESRCE	78463X541
VNQ	VANGUARD INDEX FDS	31,445	$2.597M	0.2%	$86.55	—	REIT ETF	922908553
IGOV	ISHARES TR	27,440	$2.508M	0.2%	$94.07	—	INTL TREA BD ETF	464288117
BSV	VANGUARD BD INDEX FD INC	28,885	$2.303M	0.2%	$80.52	—	SHORT TRM BOND	921937827
DJP	BARCLAYS BK PLC	95,075	$2.236M	0.2%	$23.14	—	DJUBS CMDT ETN36	06738C778
GWX	SPDR INDEX SHS FDS	70,197	$2.213M	0.2%	$28.84	—	S&P INTL SMLCP	78463X871
NYF	ISHARES TR	19,685	$2.169M	0.2%	$107.27	—	NEW YORK MUN ETF	464288323
VCSH	VANGUARD SCOTTSDALE FDS	26,647	$2.125M	0.1%	$79.71	—	SHRT TRM CORP BD	92206C409
IWF	ISHARES TR	17,880	$2.035M	0.1%	$75.04	—	RUS 1000 GRW ETF	464287614
IJS	ISHARES TR	13,867	$1.923M	0.1%	$93.43	—	SP SMCP600VL ETF	464287879
IJT	ISHARES TR	12,508	$1.915M	0.1%	$96.84	—	SP SMCP600GR ETF	464287887
SHV	ISHARES TR	14,775	$1.63M	0.1%	$110.26	—	SHRT TRS BD ETF	464288679
SCHP	SCHWAB STRATEGIC TR	28,631	$1.59M	0.1%	$54.35	—	US TIPS ETF	808524870
SHY	ISHARES TR	18,510	$1.564M	0.1%	$84.51	—	1-3 YR TR BD ETF	464287457
—	EXXON MOBIL CORP	18,890	$1.549M	0.1%	$82.00	—	COM	30231g102
SCHE	SCHWAB STRATEGIC TR	62,625	$1.501M	0.1%	$22.64	—	EMRG MKTEQ ETF	808524706
VO	VANGUARD INDEX FDS	10,749	$1.497M	0.1%	$106.30	—	MID CAP ETF	922908629
—	ISHARES GOLD TRUST	124,425	$1.494M	0.1%	$11.92	—	ISHARES	464285105
AGZ	ISHARES TR	13,150	$1.487M	0.1%	$110.73	—	AGENCY BOND ETF	464288166
VGSH	VANGUARD SCOTTSDALE FDS	23,290	$1.416M	0.1%	$60.80	—	SHTRM GVT BD ETF	92206C102
KEY	KEYCORP NEW	76,517	$1.36M	0.1%	$8.09	+54.3%	COM	493267108
SUB	ISHARES TR	12,130	$1.281M	0.1%	$105.95	—	SHRT NAT MUN ETF	464288158
IVW	ISHARES TR	9,662	$1.271M	0.1%	$84.53	—	S&P 500 GRWT ETF	464287309
STPZ	PIMCO ETF TR	23,797	$1.257M	0.1%	$52.28	—	1-5 US TIP IDX	72201R205
SCHM	SCHWAB STRATEGIC TR	26,517	$1.255M	0.1%	$36.64	—	US MID-CAP ETF	808524508
VMBS	VANGUARD SCOTTSDALE FDS	23,630	$1.241M	0.1%	$52.52	—	MORTG-BACK SEC	92206C771
MBB	ISHARES TR	11,345	$1.209M	0.1%	$109.30	—	MBS ETF	464288588
TFI	SPDR SER TR	24,883	$1.192M	0.1%	$49.42	—	NUVEEN BRC MUNIC	78468R721
SCHA	SCHWAB STRATEGIC TR	18,915	$1.191M	0.1%	$50.05	—	US SML CAP ETF	808524607
VTEB	VANGUARD MUN BD FD INC	23,000	$1.165M	0.1%	$51.27	—	TAX EXEMPT BD	922907746
—	VANECK VECTORS ETF TR	49,050	$1.15M	0.1%	$24.58	—	AMT FREE INT ETF	92189F544
GLD	SPDR GOLD TRUST	9,654	$1.146M	0.1%	$118.67	—	GOLD SHS	78463V107
—	POWERSHARES ETF TRUST II	44,760	$1.118M	0.1%	$26.04	—	INTL CORP BOND	73936Q835
BRK/A	BERKSHIRE HATHAWAY INC DEL	4	$999K	0.1%	$193871.08	+29.4%	CL A	084670108
—	JPMORGAN CHASE & CO	10,509	$923K	0.1%	$87.83	—	COM	46625h100
BWZ	SPDR SERIES TRUST	30,055	$911K	0.1%	$30.42	—	BLOMBERG BRC INT	78464A334
STIP	ISHARES TR	8,918	$905K	0.1%	$100.44	—	0-5 YR TIPS ETF	46429B747
MDY	SPDR S&P MIDCAP 400 ETF TR	2,640	$825K	0.1%	$210.89	—	UTSER1 S&PDCRP	78467Y107
SCHH	SCHWAB STRATEGIC TR	19,849	$809K	0.1%	$35.79	—	US REIT ETF	808524847
JNJ	JOHNSON & JOHNSON	6,210	$773K	0.1%	$68.20	+36.9%	COM	478160104
SCHC	SCHWAB STRATEGIC TR	24,133	$756K	0.1%	$28.89	—	INTL SCEQT ETF	808524888
IWP	ISHARES TR	7,150	$742K	0.1%	$86.35	—	RUS MD CP GR ETF	464287481
SCHV	SCHWAB STRATEGIC TR	13,591	$675K	0.0%	$40.45	—	US LCAP VA ETF	808524409
LOW	LOWES COS INC	7,645	$628K	0.0%	$39.01	+66.6%	COM	548661107
SHM	SPDR SER TR	12,923	$626K	0.0%	$48.81	—	NUVEEN BLMBRG SR	78468R739
—	RYDEX ETF TRUST	10,430	$614K	0.0%	$40.67	—	GUG S&P500 PU VA	78355W304
VB	VANGUARD INDEX FDS	4,510	$601K	0.0%	$102.03	—	SMALL CP ETF	922908751
IWS	ISHARES TR	7,025	$583K	0.0%	$73.28	—	RUS MDCP VAL ETF	464287473
VBR	VANGUARD INDEX FDS	4,693	$577K	0.0%	$122.95	—	SM CP VAL ETF	922908611
VNQI	VANGUARD INTL EQUITY INDEX F	10,486	$558K	0.0%	$49.60	—	GLB EX US ETF	922042676
ALL	ALLSTATE CORP	6,822	$556K	0.0%	$42.64	+51.3%	COM	020002101
BRK/B	BERKSHIRE HATHAWAY INC DEL	3,214	$536K	0.0%	$146.08	+14.5%	CL B NEW	084670702
EMB	ISHARES TR	4,600	$523K	0.0%	$113.70	—	JP MOR EM MK ETF	464288281
IWO	ISHARES TR	3,230	$522K	0.0%	$136.53	—	RUS 2000 GRW ETF	464287648
DIA	SPDR DOW JONES INDL AVRG ETF	2,530	$522K	0.0%	$152.57	—	UT SER 1	78467X109
MDYV	SPDR SERIES TRUST	5,379	$518K	0.0%	$94.66	—	S&P 400 MDCP VAL	78464A839
AAPL	APPLE INC	3,595	$516K	0.0%	$23.06	+32.0%	COM	037833100
MSFT	MICROSOFT CORP	7,679	$506K	0.0%	$29.03	+99.2%	COM	594918104
—	GENERAL ELECTRIC CO	15,597	$465K	0.0%	$27.81	—	COM	369604103
IWN	ISHARES TR	3,815	$451K	0.0%	$99.27	—	RUS 2000 VAL ETF	464287630
—	DU PONT E I DE NEMOURS & CO	5,400	$434K	0.0%	$67.04	—	COM	263534109
—	POWERSHARES ETF TRUST II	18,430	$429K	0.0%	$24.70	—	SENIOR LN PORT	73936Q769
PEP	PEPSICO INC	3,669	$410K	0.0%	$56.72	+44.4%	COM	713448108
EEM	ISHARES TR	10,004	$394K	0.0%	$39.38	—	MSCI EMG MKT ETF	464287234
SJNK	SPDR SER TR	14,000	$391K	0.0%	$28.82	—	BLOOMBERG SRT TR	78468R408
VTI	VANGUARD INDEX FDS	3,040	$369K	0.0%	$90.28	—	TOTAL STK MKT	922908769
PFE	PFIZER INC	10,199	$349K	0.0%	$19.10	+12.1%	COM	717081103
KMB	KIMBERLY CLARK CORP	2,535	$334K	0.0%	$64.64	+43.2%	COM	494368103
PM	PHILIP MORRIS INTL INC	2,828	$319K	0.0%	$58.06	+13.0%	COM	718172109
TMP	TOMPKINS FINANCIAL CORPORATI	3,796	$306K	0.0%	$38.35	+71.9%	COM	890110109
IWM	ISHARES TR	1,850	$254K	0.0%	$112.43	—	RUSSELL 2000 ETF	464287655
DIS	DISNEY WALT CO	2,177	$247K	0.0%	$88.87	+15.9%	COM DISNEY	254687106
INTC	INTEL CORP	6,600	$238K	0.0%	$26.65	+11.4%	COM	458140100
VOO	VANGUARD INDEX FDS	1,075	$233K	0.0%	$192.56	—	S&P 500 ETF SHS	922908363
PG	PROCTER AND GAMBLE CO	2,561	$230K	0.0%	$67.52	+3.7%	COM	742718109
MO	ALTRIA GROUP INC	3,212	$229K	0.0%	$38.56	0.0%	COM	02209S103
—	M & T BK CORP	1,452	$225K	0.0%	$154.96	—	COM	55261f104
IXUS	ISHARES TR	3,735	$204K	0.0%	$54.62	—	CORE MSCITOTAL	46432F834
—	MERRIMACK PHARMACEUTICALS IN	17,532	$54,000	0.0%	$5.35	—	COM	590328100