Asset Management 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Abbott Laboratories	SK	002824100	799	14,972	SH		SOLE		0	0	14,972
Abbvie Inc	SK	00287Y109	882	9,927	SH		SOLE		0	0	9,927
Alphabet Inc Class A	SK	38259P508	239	245	SH		SOLE		0	0	245
Alphabet Inc Class C	SK	38259P706	236	246	SH		SOLE		0	0	246
Amazon Com Inc	SK	023135106	438	456	SH		SOLE		0	0	456
Analog Devices, Inc.	SK	032654105	289	3,353	SH		SOLE		0	0	3,353
Apple Computers	SK	037833100	3,636	23,590	SH		SOLE		0	0	23,590
Assurant Inc	SK	04621X108	275	2,876	SH		SOLE		0	0	2,876
Barclay's Aggregate Bond Index I-Shares	ET	464287226	10,555	96,317	SH		SOLE		0	0	96,317
Berkley W R Corporation	SK	084423102	2,853	42,754	SH		SOLE		0	0	42,754
Berkshire Hathaway Cl B	SK	084670702	1,224	6,679	SH		SOLE		0	0	6,679
Berkshire Htwy Cla 1/100th 100 Shs=1 Wh	SK	084990175	549	200	SH		SOLE		0	0	200
CBS Corporation Cl B	SK	124857202	357	6,158	SH		SOLE		0	0	6,158
Canadian Pac Ltd New F	SK	13645T100	311	1,850	SH		SOLE		0	0	1,850
Casavant Intl Mng Corp Restricted	SK	125809996	0	29,440	SH		SOLE		0	0	29,440
Caterpillar Inc	SK	149123101	1,221	9,793	SH		SOLE		0	0	9,793
Charter Communications	SK	16117M305	444	1,222	SH		SOLE		0	0	1,222
Chevrontexaco	SK	166764100	276	2,352	SH		SOLE		0	0	2,352
Cisco Systems Inc	SK	17275R102	427	12,708	SH		SOLE		0	0	12,708
Darden Restaurants	SK	237194105	259	3,282	SH		SOLE		0	0	3,282
Dominos Pizza Inc	SK	25754A201	2,203	11,096	SH		SOLE		0	0	11,096
Exxon Corporation	SK	30231G102	790	9,642	SH		SOLE		0	0	9,642
General Electric Co.	SK	369604103	679	28,102	SH		SOLE		0	0	28,102
Home Depot Inc	SK	437076102	206	1,262	SH		SOLE		0	0	1,262
International Business Machines	SK	459200101	794	5,472	SH		SOLE		0	0	5,472
Ishares Barclays Bd Fd 7-10 Yr Tr	ET	464287440	5,932	55,685	SH		SOLE		0	0	55,685
Ishares Barclays Tips Bond Fund	ET	464287176	9,840	86,637	SH		SOLE		0	0	86,637
Ishares Core S&P Smallcap ETF 600	ET	464287804	2,216	29,864	SH		SOLE		0	0	29,864
Ishares Core US Growth	ET	464287671	511	10,126	SH		SOLE		0	0	10,126
Ishares Core US Value	ET	464287663	3,601	68,778	SH		SOLE		0	0	68,778
Ishares Goldman Sachs Tech Index	ET	464287549	1,909	12,297	SH		SOLE		0	0	12,297
Ishares Lehman Treas Bond 1-3 Year	ET	464287457	934	11,055	SH		SOLE		0	0	11,055
Ishares Morningstar Fund Large Core Ind	e ET	464287127	337	2,238	SH		SOLE		0	0	2,238
Ishares Morningstar Small-Cap Value Etf	ET	464288703	262	1,785	SH		SOLE		0	0	1,785
Ishares Msci Canada Idx Fd	ET	464286509	261	9,011	SH		SOLE		0	0	9,011
Ishares Msci Emrg Mkt Fd	ET	464287234	4,048	90,327	SH		SOLE		0	0	90,327
Ishares Msci Etf Eafe Minimum Volatilit	y ET	46429B689	4,045	56,927	SH		SOLE		0	0	56,927
Ishares Pharmaceutical Index Fund	ET	464288836	977	6,250	SH		SOLE		0	0	6,250
Ishares Russell Midcap Index Fund	ET	464287499	1,792	9,089	SH		SOLE		0	0	9,089
Ishares Russell Midcap Value Index Fund	ET	464287473	14,068	165,644	SH		SOLE		0	0	165,644
Ishares S&P 500 Growth S&P 500 Growth I	n ET	464287309	2,264	15,787	SH		SOLE		0	0	15,787
Ishares S&P Midcap 400 Bar Val	ET	464287705	8,061	52,777	SH		SOLE		0	0	52,777
Ishares S&P Midcap 400 Growth Index Fun	d ET	464287606	3,589	17,738	SH		SOLE		0	0	17,738
Ishares S&P North Am Fund	ET	464287374	1,628	48,364	SH		SOLE		0	0	48,364
Ishares S&P Smallcap Growth ETF	ET	464287887	3,961	24,083	SH		SOLE		0	0	24,083
Ishares S&P Smallcap 600 Value	ET	464287879	8,114	54,712	SH		SOLE		0	0	54,712
Ishares Tr Cohen & Steer Realty Majors	I ET	464287564	5,216	51,820	SH		SOLE		0	0	51,820
Ishares Tr Msci Eafe	ET	464287465	3,629	52,997	SH		SOLE		0	0	52,997
Ishares Tr Nasdaq Biotech	ET	464287556	203	610	SH		SOLE		0	0	610
Ishares Tr Russell 1000 Growth	ET	464287614	848	6,780	SH		SOLE		0	0	6,780
Ishares Tr Russell 1000 Val	ET	464287598	5,781	48,780	SH		SOLE		0	0	48,780
Ishares Tr Russell 2000 Val	ET	464287630	2,392	19,268	SH		SOLE		0	0	19,268
Ishares Tr S&P 100 Index	ET	464287101	285	2,557	SH		SOLE		0	0	2,557
Ishares Tr S&P 500 Barra Val	ET	464287408	7,773	72,034	SH		SOLE		0	0	72,034
Ishares Tr S&P Midcap 400 Ind	ET	464287507	8,775	49,049	SH		SOLE		0	0	49,049
Ishares Trust Dow Jones Select Dividend	ET	464287168	2,865	30,595	SH		SOLE		0	0	30,595
Ishares Trust S&P 500 Index	ET	464287200	5,889	23,284	SH		SOLE		0	0	23,284
J P Morgan & Co. Inc.	SK	46625H100	271	2,832	SH		SOLE		0	0	2,832
Johnson & Johnson	SK	478160104	3,048	23,443	SH		SOLE		0	0	23,443
Microsoft Corp	SK	594918104	234	3,137	SH		SOLE		0	0	3,137
Mid Cap S P D R Trust Unit Ser	ET	78467Y107	2,026	6,210	SH		SOLE		0	0	6,210
Omnicom Group Inc	SK	681919106	1,022	13,792	SH		SOLE		0	0	13,792
P J T Partners Inc Cl A	SK	69343T107	1,908	49,804	SH		SOLE		0	0	49,804
Paychex Inc	SK	704326107	541	9,023	SH		SOLE		0	0	9,023
Pepsico	SK	713448108	7,493	67,242	SH		SOLE		0	0	67,242
Pfizer Inc	SK	717081103	1,344	37,653	SH		SOLE		0	0	37,653
Pimco Exch Traded Fund Total Return	ET	72201R775	3,064	28,705	SH		SOLE		0	0	28,705
Pimco Municipal Income	ET	72200W106	190	14,413	SH		SOLE		0	0	14,413
Powershares QQQ Trust, Ser 1	ET	73935A104	687	4,723	SH		SOLE		0	0	4,723
Powershs Ins National Muni Bond ETF	ET	73936T474	1,012	39,611	SH		SOLE		0	0	39,611
Powershs Insured NY Muni Bond ETF	ET	73936T458	1,038	42,475	SH		SOLE		0	0	42,475
Procter & Gamble Co.	SK	742718109	1,130	12,420	SH		SOLE		0	0	12,420
Proshares Ultra S&P 500	ET	74347R107	3,439	35,545	SH		SOLE		0	0	35,545
S P D R Trust Unit Sr 1	ET	78462F103	1,494	5,949	SH		SOLE		0	0	5,949
Sch Us Mid-Cap Etf	ET	808524508	5,185	103,471	SH		SOLE		0	0	103,471
Sch Us Reit Etf	ET	808524847	499	12,137	SH		SOLE		0	0	12,137
Schw US Large Cap ETF	ET	808524201	1,051	17,500	SH		SOLE		0	0	17,500
Schw Us Brd Mkt Etf	ET	808524102	1,320	21,664	SH		SOLE		0	0	21,664
Schw Us Scap Etf	ET	808524607	2,487	36,922	SH		SOLE		0	0	36,922
Schwab Intermediate Term Us Trs Etf	ET	808524854	648	12,011	SH		SOLE		0	0	12,011
Schwab US Tips ETF	ET	808524870	3,218	58,239	SH		SOLE		0	0	58,239
Sector Spdr Engy Select Shares Of Benef	i ET	81369Y506	1,859	27,141	SH		SOLE		0	0	27,141
Sector Spdr Fincl Select Shares Of Bene	f ET	81369Y605	247	9,566	SH		SOLE		0	0	9,566
Southridge Ent Inc New	SK	84467T403	0	24,000	SH		SOLE		0	0	24,000
Spdr S&P 400 Mid Cap Growth Etf	ET	78464A821	1,123	7,615	SH		SOLE		0	0	7,615
Spdr S&P 600 Small Cap	ET	78464A813	4,538	34,882	SH		SOLE		0	0	34,882
Spdr S&P Biotech Etf	ET	78464A870	2,453	28,338	SH		SOLE		0	0	28,338
Spdr S&P Dividend Etf	ET	78464A763	2,605	28,519	SH		SOLE		0	0	28,519
Vanguard Bond Index Fund Intermediate T	e ET	921937819	2,554	30,172	SH		SOLE		0	0	30,172
Vanguard Bond Index Short Term Bond ETF	ET	921937827	2,662	33,346	SH		SOLE		0	0	33,346
Vanguard Corp Bond Etf Short-Term Corp	B ET	92206C409	4,102	51,193	SH		SOLE		0	0	51,193
Vanguard Div Appreciation ETF	ET	921908844	8,516	89,842	SH		SOLE		0	0	89,842
Vanguard Emerging Market	ET	922042858	528	12,120	SH		SOLE		0	0	12,120
Vanguard Energy Index	ET	92204A306	2,135	22,811	SH		SOLE		0	0	22,811
Vanguard Growth Etf Msci Us Prime Mkt	ET	922908736	834	6,283	SH		SOLE		0	0	6,283
Vanguard Info Technology	ET	92204A702	1,080	7,103	SH		SOLE		0	0	7,103
Vanguard Mid Cap Value	ET	922908512	5,739	54,325	SH		SOLE		0	0	54,325
Vanguard Msci Us Sm Cap Growth	ET	922908595	7,140	46,780	SH		SOLE		0	0	46,780
Vanguard Reit	ET	922908553	2,372	28,546	SH		SOLE		0	0	28,546
Vanguard Small Cap Value	ET	922908611	10,870	85,062	SH		SOLE		0	0	85,062
Vanguard Total Bond Market Index ETF	ET	921937835	420	5,125	SH		SOLE		0	0	5,125
Vanguard Total Stock Mkt	ET	922908769	5,625	43,431	SH		SOLE		0	0	43,431
Vulcan Materials Company	SK	929160109	232	1,943	SH		SOLE		0	0	1,943
Wal Mart Stores	SK	931142103	767	9,820	SH		SOLE		0	0	9,820
Walt Disney Co Holding Co	SK	254687106	2,021	20,502	SH		SOLE		0	0	20,502