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 309 4,269 SH   OTR   4,269 0 0
ALLSTATE CORP COM 020002101 521 6,302 SH   OTR   6,302 0 0
ALTRIA GROUP INC COM 02209s103 217 4,387 SH   OTR   4,387 0 0
AMAZON COM INC COM 023135106 266 177 SH   OTR   177 0 0
APPLE INC COM 037833100 872 5,530 SH   OTR   5,273 0 257
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,224 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 803 3,935 SH   OTR   3,935 0 0
BOEING CO COM 097023105 273 848 SH   OTR   848 0 0
DISNEY WALT CO COM DISNEY 254687106 237 2,157 SH   OTR   2,157 0 0
DOWDUPONT INC COM 26078J100 370 6,922 SH   OTR   6,922 0 0
EXXON MOBIL CORP COM 30231g102 1,210 17,740 SH   OTR   17,740 0 0
INTEL CORP COM 458140100 313 6,673 SH   OTR   6,673 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 381 26,310 SH   SOLE   26,310 0 0
INVESCO EXCHNG TRADED FD TR INTL CORP BD 46138E636 1,258 49,990 SH   SOLE   49,990 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 12,136 805,334 SH   SOLE   766,934 0 38,400
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 489 8,597 SH   SOLE   8,597 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 518 24,415 SH   SOLE   21,785 0 2,630
ISHARES TR SH TR CRPORT ETF 464288646 947 18,340 SH   SOLE   18,340 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,035 30,959 SH   SOLE   30,086 0 873
ISHARES TR 1 3 YR TREAS BD 464287457 3,460 41,379 SH   SOLE   41,379 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,172 26,125 SH   SOLE   26,125 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,390 12,400 SH   SOLE   12,400 0 0
ISHARES TR INTRM GOV CR ETF 464288612 3,490 32,250 SH   SOLE   32,250 0 0
ISHARES TR MBS ETF 464288588 1,298 12,400 SH   SOLE   12,400 0 0
ISHARES TR SHORT TREAS BD 464288679 2,117 19,190 SH   SOLE   19,190 0 0
ISHARES TR CORE MSCI EAFE 46432F842 223,547 4,064,487 SH   SOLE   3,863,389 0 201,098
ISHARES TR CORE MSCI EMKT 46434G103 69,384 1,471,555 SH   SOLE   1,396,048 0 75,507
ISHARES TR CORE MSCI TOTAL 46432F834 204 3,881 SH   SOLE   3,881 0 0
ISHARES TR CORE S&P500 ETF 464287200 343,815 1,366,458 SH   SOLE   1,311,095 0 55,363
ISHARES TR CORE S&P MCP ETF 464287507 174,620 1,051,550 SH   SOLE   1,009,062 0 42,488
ISHARES TR CORE S&P SCP ETF 464287804 155,230 2,239,319 SH   SOLE   2,159,596 0 79,723
ISHARES TR CORE US AGGBD ET 464287226 20,859 195,874 SH   SOLE   194,153 0 1,721
ISHARES TR CRE U S REIT ETF 464288521 395 8,799 SH   SOLE   5,099 0 3,700
ISHARES FLOATING RATE BOND ETF FLTG RATE NT ETF 46429B655 27,947 554,937 SH   SOLE   535,873 0 19,064
ISHARES GOLD TRUST ISHARES 464285105 1,591 129,460 SH   SOLE   129,460 0 0
ISHARES TR IBOXX INV CP ETF 464287242 598 5,300 SH   SOLE   5,300 0 0
ISHARES TR INTRM TR CRP ETF 464288638 320 6,100 SH   SOLE   6,100 0 0
ISHARES TR INTL TREA BD ETF 464288117 3,348 69,080 SH   SOLE   69,080 0 0
ISHARES TR JPMORGAN USD EMG 464288281 475 4,570 SH   SOLE   4,570 0 0
ISHARES TR MICRO-CAP ETF 464288869 9,991 121,176 SH   SOLE   112,786 0 8,390
ISHARES TR MRGSTR MD CP ETF 464288208 317 1,960 SH   SOLE   1,960 0 0
ISHARES TR MSCI EAFE ETF 464287465 16,858 286,790 SH   SOLE   285,985 0 805
ISHARES TR EAFE SML CP ETF 464288273 8,619 166,321 SH   SOLE   152,756 0 13,565
ISHARES TR EAFE VALUE ETF 464288877 7,904 174,789 SH   SOLE   167,882 0 6,907
ISHARES TR EM MKT SM-CP ETF 464286475 226 5,395 SH   SOLE   4,945 0 450
ISHARES TR MSCI EMG MKT ETF 464287234 340 8,709 SH   SOLE   8,709 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,350 17,948 SH   SOLE   17,948 0 0
ISHARES TR RUS 1000 ETF 464287622 1,257 9,064 SH   SOLE   8,414 0 650
ISHARES TR RUS 2000 GRW ETF 464287648 512 3,050 SH   SOLE   3,050 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 837 6,252 SH   SOLE   5,727 0 525
ISHARES TR RUS 2000 VAL ETF 464287630 378 3,515 SH   SOLE   3,515 0 0
ISHARES TR RUS MD CP GR ETF 464287481 813 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 741 9,706 SH   SOLE   9,569 0 137
ISHARES TR S&P MC 400GR ETF 464287606 1,357 7,095 SH   SOLE   7,095 0 0
ISHARES TR S&P MC 400VL ETF 464287705 41,039 296,655 SH   SOLE   284,965 0 11,690
ISHARES TR S&P 500 GRWT ETF 464287309 1,096 7,272 SH   SOLE   7,272 0 0
ISHARES TR S&P 500 VAL ETF 464287408 12,520 123,785 SH   SOLE   121,364 0 2,421
ISHARES TR S&P SML 600 GWT 464287887 1,387 8,595 SH   SOLE   8,595 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,284 9,737 SH   SOLE   9,737 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,837 16,845 SH   SOLE   15,915 0 930
ISHARES TR NEW YORK MUN ETF 464288323 3,558 64,955 SH   SOLE   54,895 0 10,060
ISHARES TR SHRT NAT MUN ETF 464288158 2,026 19,225 SH   SOLE   18,425 0 800
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 23,291 212,688 SH   SOLE   199,412 0 13,276
JOHNSON & JOHNSON COM 478160104 765 5,928 SH   OTR   5,928 0 0
JPMORGAN CHASE & CO COM 46625h100 860 8,812 SH   OTR   8,812 0 0
KEYCORP NEW COM 493267108 232 15,691 SH   OTR   15,691 0 0
KIMBERLY CLARK CORP COM 494368103 235 2,065 SH   OTR   2,065 0 0
LOWES COS INC COM 548661107 628 6,795 SH   OTR   6,795 0 0
MICROSOFT CORP COM 594918104 1,010 9,947 SH   OTR   9,947 0 0
ORACLE CORP COM 68389X105 201 4,448 SH   OTR   4,448 0 0
PAYCHEX INC COM 704326107 5,171 79,370 SH   OTR   79,370 0 0
PEPSICO INC COM 713448108 350 3,169 SH   OTR   3,169 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 7,357 144,701 SH   SOLE   135,551 0 9,150
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,605 68,224 SH   SOLE   67,799 0 425
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,671 305,839 SH   SOLE   304,899 0 940
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,325 45,522 SH   SOLE   45,522 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 40,448 810,414 SH   SOLE   807,544 0 2,870
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,696 211,423 SH   SOLE   205,373 0 6,050
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,395 90,365 SH   SOLE   90,365 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 609 12,347 SH   SOLE   12,347 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,075 43,282 SH   SOLE   43,282 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 29,343 761,970 SH   SOLE   735,086 0 26,884
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,799 29,643 SH   SOLE   29,643 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,458 46,166 SH   SOLE   46,166 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 63,917 2,104,599 SH   SOLE   2,045,483 0 59,116
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 923 30,055 SH   SOLE   30,055 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 241 9,250 SH   SOLE   8,500 0 750
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,554 28,845 SH   SOLE   28,405 0 440
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 527 2,260 SH   SOLE   2,260 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 3,255 92,117 SH   SOLE   91,922 0 195
SPDR GOLD TRUST GOLD SHS 78463V107 793 6,539 SH   SOLE   6,539 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,446 30,059 SH   SOLE   30,059 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 962 20,027 SH   SOLE   20,027 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 1,318 47,331 SH   SOLE   41,121 0 6,210
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 986 33,740 SH   SOLE   21,475 0 12,265
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 268 9,095 SH   SOLE   9,095 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 11,428 386,359 SH   SOLE   342,988 0 43,371
SPDR SER TR PORTFOLIO SM ETF 78468R853 243 9,234 SH   SOLE   9,234 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 383 14,484 SH   SOLE   14,094 0 390
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 758 17,081 SH   SOLE   16,889 0 192
SPDR S&P 500 ETF TR TR UNIT 78462F103 75,915 303,758 SH   SOLE   296,313 0 7,445
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,788 68,059 SH   SOLE   66,580 0 1,479
SPDR SER TR SPDR S&P 500 ETF 78468R796 593 9,735 SH   SOLE   1,170 0 8,565
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,853 66,356 SH   SOLE   65,556 0 800
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 749 2,476 SH   SOLE   2,476 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 6,180 71,855 SH   SOLE   70,505 0 1,350
TOMPKINS FINANCIAL CORPORATI COM 890110109 285 3,796 SH   OTR   3,796 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 1,277 26,900 SH   SOLE   26,900 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 30,666 826,572 SH   SOLE   791,985 0 34,587
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,578 251,383 SH   SOLE   245,951 0 5,432
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 18,908 360,778 SH   SOLE   344,054 0 16,724
VANGUARD INDEX FDS LARGE CAP ETF 922908637 5,944 51,752 SH   SOLE   51,752 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,773 12,830 SH   SOLE   12,830 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,133 11,896 SH   SOLE   10,036 0 1,860
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,567 30,435 SH   SOLE   30,435 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,605 34,935 SH   SOLE   33,746 0 1,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,760 7,660 SH   SOLE   7,660 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,368 17,410 SH   SOLE   17,410 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,783 22,880 SH   SOLE   22,880 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,425 23,710 SH   SOLE   23,710 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 62,594 1,306,226 SH   SOLE   1,269,546 0 36,680
VANGUARD INDEX FDS SMALL CP ETF 922908751 795 6,020 SH   SOLE   6,020 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,298 25,435 SH   SOLE   25,435 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 39,156 494,331 SH   SOLE   486,851 0 7,480
VANGUARD INDEX FDS TOTAL STK MKT 922908769 510 3,997 SH   SOLE   3,997 0 0