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 301 3,467 SH   OTR   3,467 0 0
ACTIVISION BLIZZARD INC COM 00507V109 752 12,655 SH   OTR   12,655 0 0
ALCON INC ORD SHS H01301128 333 5,882 SH   OTR   5,882 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 372 1,755 SH   OTR   1,755 0 0
ALLSTATE CORP COM 020002101 551 4,902 SH   OTR   4,902 0 0
ALPHABET INC CAP STK CL A 02079K305 722 539 SH   OTR   539 0 0
AMAZON COM INC COM 023135106 1,011 547 SH   OTR   547 0 0
AMBEV SA SPONSORED ADR 02319V103 162 34,700 SH   OTR   34,700 0 0
AMERICAN TOWER CORP NEW COM 03027X100 515 2,240 SH   OTR   2,240 0 0
APPLE INC COM 037833100 1,691 5,757 SH   OTR   5,500 0 257
AUTOMATIC DATA PROCESSING IN COM 053015103 270 1,585 SH   OTR   1,585 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 517 22,615 SH   OTR   19,985 0 2,630
BERKSHIRE HATHAWAY INC DEL CL A 084670108 340 1 SH   OTR   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,174 9,600 SH   OTR   9,330 0 270
BIOMARIN PHARMACEUTICAL INC COM 09061G101 509 6,020 SH   OTR   6,020 0 0
BLACKROCK INC COM 09247X101 212 421 SH   OTR   421 0 0
BOEING CO COM 097023105 265 814 SH   OTR   814 0 0
BOOKING HLDGS INC COM 09857L108 392 191 SH   OTR   191 0 0
CBOE GLOBAL MARKETS INC COM 12503M108 358 2,980 SH   OTR   2,980 0 0
CME GROUP INC COM 12572Q105 360 1,795 SH   OTR   1,795 0 0
COCA COLA CO COM 191216100 714 12,895 SH   OTR   12,895 0 0
COGNEX CORP COM 192422103 213 3,795 SH   OTR   3,795 0 0
CONSTELLATION BRANDS INC CL A 21036p108 340 1,791 SH   OTR   1,791 0 0
DISNEY WALT CO COM DISNEY 254687106 348 2,407 SH   OTR   2,407 0 0
ELECTRONIC ARTS INC COM 285512109 493 4,590 SH   OTR   4,590 0 0
EQUINIX INC COM 29444U700 622 1,065 SH   OTR   1,065 0 0
EXXON MOBIL CORP COM 30231g102 1,065 15,265 SH   OTR   15,265 0 0
FACEBOOK INC CL A 30303M102 1,496 7,288 SH   OTR   7,288 0 0
GRAPHIC PACKAGING HLDG CO COM 388689101 355 21,295 SH   OTR   21,295 0 0
HALLIBURTON CO COM 406216101 313 12,805 SH   OTR   12,805 0 0
INCYTE CORP COM 45337C102 234 2,680 SH   OTR   2,680 0 0
INGERSOLL-RAND PLC SHS G47791101 236 1,775 SH   OTR   1,775 0 0
INTEL CORP COM 458140100 387 6,473 SH   OTR   6,473 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 382 4,130 SH   OTR   4,130 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 8,402 507,394 SH   SOLE   495,699 0 11,695
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 424 26,585 SH   SOLE   26,585 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 578 8,346 SH   SOLE   8,346 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,791 123,510 SH   SOLE   123,510 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 270 5,974 SH   SOLE   5,524 0 450
ISHARES INC CORE MSCI EMKT 46434G103 90,627 1,685,765 SH   SOLE   1,602,278 0 83,487
ISHARES TR TIPS BD ETF 464287176 21,580 185,126 SH   SOLE   173,105 0 12,021
ISHARES TR CORE S&P500 ETF 464287200 407,719 1,261,350 SH   SOLE   1,206,992 0 54,358
ISHARES TR CORE US AGGBD ET 464287226 26,088 232,161 SH   SOLE   226,716 0 5,445
ISHARES TR MSCI EMG MKT ETF 464287234 371 8,270 SH   SOLE   8,270 0 0
ISHARES TR IBOXX INV CP ETF 464287242 678 5,300 SH   SOLE   5,300 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,277 6,597 SH   SOLE   6,597 0 0
ISHARES TR S&P 500 VAL ETF 464287408 16,360 125,760 SH   SOLE   117,274 0 8,486
ISHARES TR BARCLAYS 7 10 YR 464287440 419 3,800 SH   SOLE   3,800 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,063 24,376 SH   SOLE   24,376 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,847 84,196 SH   SOLE   83,391 0 805
ISHARES TR RUS MDCP VAL ETF 464287473 853 9,006 SH   SOLE   8,869 0 137
ISHARES TR RUS MD CP GR ETF 464287481 1,091 7,150 SH   SOLE   7,150 0 0
ISHARES TR CORE S&P MCP ETF 464287507 213,633 1,037,958 SH   SOLE   994,395 0 43,563
ISHARES TR S&P MC 400GR ETF 464287606 1,644 6,905 SH   SOLE   6,905 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,157 17,948 SH   SOLE   17,948 0 0
ISHARES TR RUS 1000 ETF 464287622 1,626 9,116 SH   SOLE   8,516 0 600
ISHARES TR RUS 2000 VAL ETF 464287630 452 3,515 SH   SOLE   3,515 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 653 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,078 6,506 SH   SOLE   5,981 0 525
ISHARES TR S&P MC 400VL ETF 464287705 55,379 324,363 SH   SOLE   312,028 0 12,335
ISHARES TR CORE S&P SCP ETF 464287804 191,239 2,280,724 SH   SOLE   2,197,980 0 82,744
ISHARES TR SP SMCP600VL ETF 464287879 1,554 9,665 SH   SOLE   9,665 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,662 8,599 SH   SOLE   8,599 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,669 15,633 SH   SOLE   14,653 0 980
ISHARES TR AGENCY BOND ETF 464288166 1,433 12,400 SH   SOLE   12,400 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 397 1,895 SH   SOLE   1,895 0 0
ISHARES TR EAFE SML CP ETF 464288273 9,963 159,965 SH   SOLE   152,275 0 7,690
ISHARES TR JPMORGAN USD EMG 464288281 546 4,770 SH   SOLE   4,770 0 0
ISHARES TR NEW YORK MUN ETF 464288323 3,846 67,414 SH   SOLE   56,654 0 10,760
ISHARES TR NATIONAL MUN ETF 464288414 1,968 17,280 SH   SOLE   17,280 0 0
ISHARES TR CRE U S REIT ETF 464288521 428 7,849 SH   SOLE   5,049 0 2,800
ISHARES TR MBS ETF 464288588 1,102 10,200 SH   SOLE   10,200 0 0
ISHARES TR INTRM GOV CR ETF 464288612 1,462 12,975 SH   SOLE   12,975 0 0
ISHARES TR SH TR CRPORT ETF 464288646 1,048 19,540 SH   SOLE   19,540 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,292 26,180 SH   SOLE   26,180 0 0
ISHARES TR SHORT TREAS BD 464288679 1,346 12,185 SH   SOLE   12,185 0 0
ISHARES TR MICRO-CAP ETF 464288869 13,385 134,537 SH   SOLE   124,432 0 10,105
ISHARES TR EAFE VALUE ETF 464288877 7,248 145,159 SH   SOLE   132,472 0 12,687
ISHARES TR FLTG RATE NT ETF 46429B655 9,638 189,275 SH   SOLE   184,188 0 5,087
ISHARES TR 0-5 YR TIPS ETF 46429B747 8,419 83,599 SH   SOLE   81,536 0 2,063
ISHARES TR CORE MSCI TOTAL 46432F834 240 3,881 SH   SOLE   3,881 0 0
ISHARES TR CORE MSCI EAFE 46432F842 286,450 4,390,706 SH   SOLE   4,180,763 0 209,943
ISHARES TR ESG US AGR BD 46435U549 479 8,925 SH   SOLE   8,925 0 0
JOHNSON & JOHNSON COM 478160104 1,859 12,746 SH   OTR   12,746 0 0
JPMORGAN CHASE & CO COM 46625h100 1,147 8,225 SH   OTR   8,225 0 0
LOWES COS INC COM 548661107 832 6,947 SH   OTR   6,947 0 0
LULULEMON ATHLETICA INC COM 550021109 1,100 4,750 SH   OTR   4,750 0 0
MASTERCARD INC CL A 57636Q104 1,343 4,497 SH   OTR   4,497 0 0
MEDTRONIC PLC SHS G5960L103 1,248 11,000 SH   OTR   11,000 0 0
MERCK & CO INC COM 58933Y105 390 4,285 SH   OTR   4,285 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 252 2,405 SH   OTR   2,405 0 0
MICRON TECHNOLOGY INC COM 595112103 1,206 22,425 SH   OTR   22,425 0 0
MICROSOFT CORP COM 594918104 2,669 16,925 SH   OTR   16,925 0 0
MONDELEZ INTL INC CL A 609207105 844 15,320 SH   OTR   15,320 0 0
MOODYS CORP COM 615369105 430 1,810 SH   OTR   1,810 0 0
NOVARTIS A G SPONSORED ADR 66987V109 1,189 12,560 SH   OTR   12,560 0 0
NVIDIA CORP COM 67066G104 811 3,445 SH   OTR   3,445 0 0
ORACLE CORP COM 68389X105 300 5,657 SH   OTR   5,657 0 0
PAYCHEX INC COM 704326107 6,689 78,634 SH   OTR   78,634 0 0
PAYPAL HLDGS INC COM 70450Y103 433 4,005 SH   OTR   4,005 0 0
PEPSICO INC COM 713448108 1,207 8,832 SH   OTR   8,832 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 7,209 137,656 SH   SOLE   124,306 0 13,350
PROCTER & GAMBLE CO COM 742718109 213 1,706 SH   OTR   1,706 0 0
RYANAIR HLDGS PLC SPONSORED ADS 783513203 370 4,225 SH   OTR   4,225 0 0
S&P GLOBAL INC COM 78409V104 430 1,575 SH   SOLE   1,575 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104 561 2,327 SH   OTR   2,327 0 0
SCHLUMBERGER LTD COM 806857108 446 11,096 SH   OTR   11,096 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,300 82,017 SH   SOLE   76,887 0 5,130
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 751 12,491 SH   SOLE   12,206 0 285
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,225 36,997 SH   SOLE   35,002 0 1,995
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,992 26,340 SH   SOLE   25,165 0 1,175
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,751 63,965 SH   SOLE   62,795 0 1,170
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,590 285,150 SH   SOLE   280,340 0 4,810
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,496 252,589 SH   SOLE   241,954 0 10,635
SCHWAB STRATEGIC TR US REIT ETF 808524847 36,291 789,615 SH   SOLE   761,968 0 27,647
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 769 14,000 SH   SOLE   14,000 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 27,755 549,828 SH   SOLE   547,303 0 2,525
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,212 56,715 SH   SOLE   55,740 0 975
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,574 45,420 SH   SOLE   45,175 0 245
SEATTLE GENETICS INC COM 812578102 328 2,875 SH   OTR   2,875 0 0
SERVICENOW INC COM 81762P102 699 2,475 SH   OTR   2,475 0 0
SHERWIN WILLIAMS CO COM 824348106 233 400 SH   OTR   400 0 0
SONY CORP SPONSORED ADR 835699307 834 12,260 SH   OTR   12,260 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 298 1,045 SH   SOLE   1,045 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 274 1,919 SH   SOLE   1,919 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 3,244 70,435 SH   SOLE   68,886 0 1,549
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,854 47,787 SH   SOLE   47,377 0 410
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,690 53,045 SH   SOLE   52,245 0 800
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 422 13,465 SH   SOLE   12,410 0 1,055
SPDR S&P 500 ETF TR TR UNIT 78462F103 93,333 289,981 SH   SOLE   283,036 0 6,945
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 911 2,426 SH   SOLE   2,426 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 232 6,643 SH   SOLE   6,643 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 5,440 53,320 SH   SOLE   51,945 0 1,375
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 2,869 97,654 SH   SOLE   81,029 0 16,625
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 1,787 62,605 SH   SOLE   61,725 0 880
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,118 20,406 SH   SOLE   19,339 0 1,067
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 364 10,039 SH   SOLE   10,039 0 0
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 1,162 30,729 SH   SOLE   18,314 0 12,415
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 6,231 207,974 SH   SOLE   184,303 0 23,671
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 38,784 1,262,101 SH   SOLE   1,230,412 0 31,689
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 254 9,445 SH   SOLE   8,695 0 750
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 990 19,572 SH   SOLE   19,572 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 298 6,059 SH   SOLE   6,059 0 0
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796 784 9,945 SH   SOLE   985 0 8,960
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 305 9,343 SH   SOLE   9,243 0 100
TOMPKINS FINANCIAL CORPORATI TOMPKINS FINANCIAL CORPORATI 890110109 347 3,796 SH   OTR   3,796 0 0
TRANSOCEAN LTD REG SHS H8817H100 111 16,175 SH   OTR   16,175 0 0
UNILEVER PLC SPON ADR NEW 904767704 673 11,770 SH   OTR   11,770 0 0
UNION PACIFIC CORP COM 907818108 224 1,240 SH   OTR   1,240 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 864 17,200 SH   SOLE   17,200 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,665 20,650 SH   SOLE   20,650 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 46,337 552,551 SH   SOLE   542,533 0 10,018
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,532 5,179 SH   SOLE   5,179 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,404 11,781 SH   SOLE   9,921 0 1,860
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,024 32,584 SH   SOLE   31,395 0 1,189
VANGUARD INDEX FDS MID CAP ETF 922908629 2,472 13,876 SH   SOLE   13,876 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,595 44,610 SH   SOLE   44,610 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,018 6,145 SH   SOLE   6,145 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 661 4,037 SH   SOLE   4,037 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 23,539 398,358 SH   SOLE   381,014 0 17,344
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,015 247,696 SH   SOLE   211,469 0 36,227
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 55,867 1,133,672 SH   SOLE   1,101,347 0 32,325
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 884 16,520 SH   SOLE   16,520 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 330 6,200 SH   SOLE   6,200 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,357 779,770 SH   SOLE   774,283 0 5,487
VERTEX PHARMACEUTICALS INC COM 92532F100 267 1,220 SH   OTR   1,220 0 0
VISA INC COM CL A 92826C839 1,375 7,316 SH   OTR   7,316 0 0