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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 LABS COM 002824100 357 4,269 SH   OTR   4,269 0 0
ALLSTATE CORP COM 020002101 685 6,302 SH   OTR   6,302 0 0
AMAZON COM INC COM 023135106 316 182 SH   OTR   182 0 0
APPLE INC COM 037833100 1,510 6,740 SH   OTR   6,483 0 257
AUTOMATIC DATA PROCESSING IN COM 053015103 240 1,488 SH   OTR   1,488 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 935 3 SH   OTR   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,235 5,935 SH   OTR   5,935 0 0
BOEING CO COM 097023105 310 814 SH   OTR   814 0 0
CONSTELLATION BRANDS INC CL A 21036p108 211 1,016 SH   OTR   1,016 0 0
DISNEY WALT CO COM DISNEY 254687106 314 2,407 SH   OTR   2,407 0 0
EXXON MOBIL CORP COM 30231g102 1,231 17,440 SH   OTR   17,440 0 0
INGERSOLL-RAND PLC SHS G47791101 219 1,775 SH   OTR   1,775 0 0
INTEL CORP COM 458140100 334 6,473 SH   OTR   6,473 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 400 26,585 SH   SOLE   26,585 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 8,035 514,412 SH   SOLE   475,767 0 38,645
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 541 8,346 SH   SOLE   8,346 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 497 22,815 SH   SOLE   20,185 0 2,630
ISHARES TR SH TR CRPORT ETF 464288646 1,027 19,140 SH   SOLE   19,140 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,586 75,734 SH   SOLE   74,046 0 1,688
ISHARES TR 1 3 YR TREAS BD 464287457 2,262 26,671 SH   SOLE   26,671 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,305 26,065 SH   SOLE   26,065 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 427 3,800 SH   SOLE   3,800 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,445 12,400 SH   SOLE   12,400 0 0
ISHARES TR INTRM GOV CR ETF 464288612 3,920 34,625 SH   SOLE   34,625 0 0
ISHARES TR MBS ETF 464288588 1,105 10,200 SH   SOLE   10,200 0 0
ISHARES TR SHORT TREAS BD 464288679 1,395 12,615 SH   SOLE   12,615 0 0
ISHARES TR CORE MSCI EAFE 46432F842 268,391 4,394,810 SH   SOLE   4,185,722 0 209,088
ISHARES INC CORE MSCI EMKT 46434G103 80,685 1,645,967 SH   SOLE   1,568,170 0 77,797
ISHARES TR CORE MSCI TOTAL 46432F834 224 3,881 SH   SOLE   3,881 0 0
ISHARES TR CORE S&P500 ETF 464287200 385,645 1,291,858 SH   SOLE   1,237,670 0 54,188
ISHARES TR CORE S&P MCP ETF 464287507 202,357 1,047,232 SH   SOLE   1,004,569 0 42,663
ISHARES TR CORE S&P SCP ETF 464287804 178,260 2,290,086 SH   SOLE   2,209,118 0 80,968
ISHARES TR CORE US AGGBD ET 464287226 26,209 231,591 SH   SOLE   229,840 0 1,751
ISHARES TR CRE U S REIT ETF 464288521 497 8,949 SH   SOLE   5,249 0 3,700
ISHARES TR FLTG RATE NT ETF 46429B655 11,526 226,124 SH   SOLE   216,885 0 9,239
ISHARES GOLD TRUST ISHARES 464285105 1,735 123,060 SH   SOLE   123,060 0 0
ISHARES TR IBOXX INV CP ETF 464287242 676 5,300 SH   SOLE   5,300 0 0
ISHARES TR INTRM TR CRP ETF 464288638 353 6,100 SH   SOLE   6,100 0 0
ISHARES TR JPMORGAN USD EMG 464288281 541 4,770 SH   SOLE   4,770 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 375 1,895 SH   SOLE   1,895 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,535 84,884 SH   SOLE   84,079 0 805
ISHARES TR EAFE SML CP ETF 464288273 8,750 152,885 SH   SOLE   146,395 0 6,490
ISHARES TR EAFE VALUE ETF 464288877 6,087 128,507 SH   SOLE   124,020 0 4,487
ISHARES TR EM MKT SM-CP ETF 464286475 254 6,025 SH   SOLE   5,575 0 450
ISHARES TR MSCI EMG MKT ETF 464287234 338 8,270 SH   SOLE   8,270 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,865 17,948 SH   SOLE   17,948 0 0
ISHARES TR RUS 1000 ETF 464287622 1,505 9,145 SH   SOLE   8,495 0 650
ISHARES TR RUS 2000 GRW ETF 464287648 588 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 985 6,506 SH   SOLE   5,981 0 525
ISHARES TR RUS 2000 VAL ETF 464287630 420 3,515 SH   SOLE   3,515 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,011 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 846 9,426 SH   SOLE   9,289 0 137
ISHARES TR S&P MC 400GR ETF 464287606 1,546 6,905 SH   SOLE   6,905 0 0
ISHARES TR S&P MC 400VL ETF 464287705 51,601 322,711 SH   SOLE   310,436 0 12,275
ISHARES TR S&P 500 GRWT ETF 464287309 1,208 6,712 SH   SOLE   6,712 0 0
ISHARES TR S&P 500 VAL ETF 464287408 15,313 128,534 SH   SOLE   120,473 0 8,061
ISHARES TR S&P SML 600 GWT 464287887 1,534 8,598 SH   SOLE   8,598 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,463 9,742 SH   SOLE   9,742 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,982 17,370 SH   SOLE   17,370 0 0
ISHARES TR NEW YORK MUN ETF 464288323 3,819 66,734 SH   SOLE   55,974 0 10,760
ISHARES TR SHRT NAT MUN ETF 464288158 1,905 17,882 SH   SOLE   16,902 0 980
ISHARES TR TIPS BD ETF 464287176 22,297 191,740 SH   SOLE   180,344 0 11,396
JOHNSON & JOHNSON COM 478160104 934 7,222 SH   OTR   7,222 0 0
JPMORGAN CHASE & CO COM 46625h100 1,042 8,858 SH   OTR   8,858 0 0
LOWES COS INC COM 548661107 744 6,770 SH   OTR   6,770 0 0
MCDONALDS CORP COM 580135101 201 938 SH   OTR   938 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 223 2,405 SH   OTR   2,405 0 0
MICROSOFT CORP COM 594918104 1,655 11,907 SH   OTR   11,907 0 0
ORACLE CORP COM 68389X105 291 5,282 SH   OTR   5,282 0 0
PAYCHEX INC COM 704326107 6,497 78,500 SH   OTR   78,500 0 0
PEPSICO INC COM 713448108 461 3,364 SH   OTR   3,364 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 7,226 137,851 SH   SOLE   124,501 0 13,350
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,689 67,192 SH   SOLE   66,767 0 425
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,516 298,677 SH   SOLE   297,962 0 715
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,481 46,575 SH   SOLE   46,575 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 26,872 531,173 SH   SOLE   529,423 0 1,750
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,102 261,876 SH   SOLE   254,876 0 7,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,317 89,057 SH   SOLE   89,057 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 718 12,655 SH   SOLE   12,655 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,207 39,031 SH   SOLE   39,031 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 37,020 784,827 SH   SOLE   757,877 0 26,950
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,932 27,713 SH   SOLE   27,713 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,792 49,193 SH   SOLE   49,193 0 0
SHERWIN WILLIAMS CO COM 824348106 220 400 SH   SOLE   400 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468r663 220 2,400 SH   SOLE   2,400 0 0
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 41,164 1,338,222 SH   SOLE   1,306,725 0 31,497
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 250 9,250 SH   SOLE   8,500 0 750
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 281 1,045 SH   SOLE   1,045 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 2,142 54,204 SH   SOLE   54,009 0 195
SPDR GOLD TRUST GOLD SHS 78463V107 266 1,919 SH   SOLE   1,919 0 0
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 1,240 24,472 SH   SOLE   24,472 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 293 5,985 SH   SOLE   5,985 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 3,475 117,226 SH   SOLE   100,301 0 16,925
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 1,229 35,275 SH   SOLE   22,860 0 12,415
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 387 11,412 SH   SOLE   11,412 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 225 7,033 SH   SOLE   7,033 0 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 6,239 207,825 SH   SOLE   184,254 0 23,571
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 334 11,142 SH   SOLE   11,042 0 100
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 1,816 63,674 SH   SOLE   62,794 0 880
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 505 17,184 SH   SOLE   16,059 0 1,125
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,068 20,812 SH   SOLE   20,530 0 282
SPDR S&P 500 ETF TR TR UNIT 78462F103 86,599 291,805 SH   SOLE   284,845 0 6,960
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,794 64,316 SH   SOLE   63,077 0 1,239
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796 723 9,945 SH   SOLE   985 0 8,960
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,573 53,527 SH   SOLE   52,727 0 800
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 855 2,426 SH   SOLE   2,426 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 5,653 54,061 SH   SOLE   52,711 0 1,350
TOMPKINS FINANCIAL CORPORATI COM 890110109 308 3,796 SH   OTR   3,796 0 0
UNION PACIFIC CORP COM 907818108 203 1,256 SH   OTR   1,256 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 1,112 22,100 SH   SOLE   22,100 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 32,294 786,137 SH   SOLE   753,505 0 32,632
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,906 246,061 SH   SOLE   240,629 0 5,432
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 22,899 390,829 SH   SOLE   373,655 0 17,174
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,090 44,673 SH   SOLE   44,673 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,313 13,801 SH   SOLE   13,801 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,365 12,079 SH   SOLE   10,219 0 1,860
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,183 22,220 SH   SOLE   22,220 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,123 33,495 SH   SOLE   32,306 0 1,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,848 6,779 SH   SOLE   6,779 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 940 11,635 SH   SOLE   11,635 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,226 15,125 SH   SOLE   15,125 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,040 17,070 SH   SOLE   17,070 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 56,952 1,161,097 SH   SOLE   1,129,052 0 32,045
VANGUARD INDEX FDS SMALL CP ETF 922908751 946 6,145 SH   SOLE   6,145 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,132 21,120 SH   SOLE   21,120 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 43,721 517,841 SH   SOLE   509,481 0 8,360
VANGUARD INDEX FDS TOTAL STK MKT 922908769 604 3,997 SH   SOLE   3,997 0 0
VISA INC COM CL A 92826C839 260 1,511 SH   OTR   1,511 0 0