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 359 4,269 SH   OTR   4,269 0 0
ALLSTATE CORP COM 020002101 641 6,302 SH   OTR   6,302 0 0
AMAZON COM INC COM 023135106 335 177 SH   OTR   177 0 0
APPLE INC COM 037833100 1,341 6,776 SH   OTR   6,519 0 257
AUTOMATIC DATA PROCESSING IN COM 053015103 246 1,488 SH   OTR   1,488 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,273 4 SH   OTR   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 903 4,235 SH   OTR   4,235 0 0
BOEING CO COM 097023105 630 1,732 SH   OTR   1,732 0 0
CONSTELLATION BRANDS INC CL A 21036p108 200 1,016 SH   OTR   1,016 0 0
DISNEY WALT CO COM DISNEY 254687106 336 2,405 SH   OTR   2,405 0 0
EXXON MOBIL CORP COM 30231g102 1,490 19,440 SH   OTR   19,440 0 0
HOME DEPOT INC COM 437076102 207 993 SH   OTR   993 0 0
INGERSOLL-RAND PLC SHS G47791101 225 1,775 SH   OTR   1,775 0 0
INTEL CORP COM 458140100 329 6,873 SH   OTR   6,873 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 418 26,585 SH   SOLE   26,585 0 0
INVESCO EXCHNG TRADED FD TR INTL CORP BD 46138E636 1,331 49,990 SH   SOLE   49,990 0 0
INVESCO ACTIVELY MANAGD ETF OPTIMUM YIELD 46090F100 9,377 572,792 SH   SOLE   534,242 0 38,550
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 559 8,597 SH   SOLE   8,597 0 0
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 507 22,815 SH   SOLE   20,185 0 2,630
ISHARES TR SH TR CRPORT ETF 464288646 889 16,640 SH   SOLE   16,640 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,416 53,845 SH   SOLE   52,717 0 1,128
ISHARES TR 1 3 YR TREAS BD 464287457 3,582 42,254 SH   SOLE   42,254 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,265 25,965 SH   SOLE   25,965 0 0
ISHARES TR AGENCY BOND ETF 464288166 1,429 12,400 SH   SOLE   12,400 0 0
ISHARES TR INTRM GOV CR ETF 464288612 3,787 33,725 SH   SOLE   33,725 0 0
ISHARES TR MBS ETF 464288588 1,163 10,807 SH   SOLE   10,807 0 0
ISHARES TR SHORT TREAS BD 464288679 2,278 20,590 SH   SOLE   20,590 0 0
ISHARES TR CORE MSCI EAFE 46432F842 253,719 4,132,225 SH   SOLE   3,926,207 0 206,018
ISHARES TR CORE MSCI EMKT 46434G103 77,380 1,504,284 SH   SOLE   1,429,187 0 75,097
ISHARES TR CORE MSCI TOTAL 46432F834 228 3,881 SH   SOLE   3,881 0 0
ISHARES TR CORE S&P500 ETF 464287200 399,588 1,355,683 SH   SOLE   1,301,255 0 54,428
ISHARES TR CORE S&P MCP ETF 464287507 200,678 1,033,037 SH   SOLE   990,964 0 42,073
ISHARES TR CORE S&P SCP ETF 464287804 173,882 2,221,280 SH   SOLE   2,141,557 0 79,723
ISHARES TR CORE US AGGBD ET 464287226 23,537 211,375 SH   SOLE   209,624 0 1,751
ISHARES TR CRE U S REIT ETF 464288521 466 8,949 SH   SOLE   5,249 0 3,700
ISHARES TR FLTG RATE NT ETF 46429B655 26,216 514,739 SH   SOLE   498,160 0 16,579
ISHARES GOLD TRUST ISHARES 464285105 1,591 117,860 SH   SOLE   117,860 0 0
ISHARES TR IBOXX INV CP ETF 464287242 666 5,359 SH   SOLE   5,359 0 0
ISHARES TR INTRM TR CRP ETF 464288638 347 6,100 SH   SOLE   6,100 0 0
ISHARES TR INTL TREA BD ETF 464288117 3,513 69,080 SH   SOLE   69,080 0 0
ISHARES TR JPMORGAN USD EMG 464288281 540 4,770 SH   SOLE   4,770 0 0
ISHARES TR MICRO-CAP ETF 464288869 11,803 126,657 SH   SOLE   117,257 0 9,400
ISHARES TR MRGSTR MD CP ETF 464288208 368 1,895 SH   SOLE   1,895 0 0
ISHARES TR MSCI EAFE ETF 464287465 18,771 285,573 SH   SOLE   284,768 0 805
ISHARES TR EAFE SML CP ETF 464288273 8,808 153,458 SH   SOLE   146,968 0 6,490
ISHARES TR EAFE VALUE ETF 464288877 7,234 150,482 SH   SOLE   143,295 0 7,187
ISHARES INC EM MKT SM-CP ETF 464286475 251 5,654 SH   SOLE   5,204 0 450
ISHARES TR MSCI EMG MKT ETF 464287234 355 8,270 SH   SOLE   8,270 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,824 17,948 SH   SOLE   17,948 0 0
ISHARES TR RUS 1000 ETF 464287622 1,507 9,255 SH   SOLE   8,605 0 650
ISHARES TR RUS 2000 GRW ETF 464287648 617 3,073 SH   SOLE   3,073 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,012 6,506 SH   SOLE   5,981 0 525
ISHARES TR RUS 2000 VAL ETF 464287630 428 3,551 SH   SOLE   3,551 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,020 7,150 SH   SOLE   7,150 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 840 9,426 SH   SOLE   9,289 0 137
ISHARES TR S&P MC 400GR ETF 464287606 1,594 7,045 SH   SOLE   7,045 0 0
ISHARES TR S&P MC 400VL ETF 464287705 47,411 297,301 SH   SOLE   285,276 0 12,025
ISHARES TR S&P 500 GRWT ETF 464287309 1,250 6,972 SH   SOLE   6,972 0 0
ISHARES TR S&P 500 VAL ETF 464287408 15,140 129,876 SH   SOLE   121,815 0 8,061
ISHARES TR S&P SML 600 GWT 464287887 1,569 8,597 SH   SOLE   8,597 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,448 9,741 SH   SOLE   9,741 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,859 16,440 SH   SOLE   16,440 0 0
ISHARES TR NEW YORK MUN ETF 464288323 3,633 63,964 SH   SOLE   53,904 0 10,060
ISHARES TR SHRT NAT MUN ETF 464288158 1,904 17,872 SH   SOLE   16,892 0 980
ISHARES TR TIPS BD ETF 464287176 22,202 192,246 SH   SOLE   180,850 0 11,396
JOHNSON & JOHNSON COM 478160104 1,047 7,517 SH   OTR   7,517 0 0
JPMORGAN CHASE & CO COM 46625h100 998 8,928 SH   OTR   8,928 0 0
LOWES COS INC COM 548661107 683 6,770 SH   OTR   6,770 0 0
MERCK & CO INC COM 58933Y105 210 2,500 SH   OTR   2,500 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 208 2,405 SH   OTR   2,405 0 0
MICROSOFT CORP COM 594918104 1,622 12,108 SH   OTR   12,108 0 0
ORACLE CORP COM 68389X105 304 5,328 SH   OTR   5,328 0 0
PAYCHEX INC COM 704326107 6,472 78,650 SH   OTR   78,650 0 0
PEPSICO INC COM 713448108 427 3,259 SH   OTR   3,259 0 0
PFIZER INC COM 717081103 284 6,551 SH   OTR   6,551 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 7,475 142,051 SH   SOLE   128,701 0 13,350
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,734 66,072 SH   SOLE   65,647 0 425
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,506 296,242 SH   SOLE   295,527 0 715
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,498 45,890 SH   SOLE   45,890 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 43,585 861,532 SH   SOLE   858,552 0 2,980
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,134 228,936 SH   SOLE   222,636 0 6,300
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,308 89,864 SH   SOLE   89,864 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 705 12,563 SH   SOLE   12,563 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,240 39,238 SH   SOLE   39,238 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 33,297 749,248 SH   SOLE   722,799 0 26,449
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,967 27,517 SH   SOLE   27,517 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,794 49,617 SH   SOLE   49,617 0 0
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 66,502 2,164,087 SH   SOLE   2,103,396 0 60,691
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 934 30,055 SH   SOLE   30,055 0 0
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 252 9,250 SH   SOLE   8,500 0 750
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,747 30,867 SH   SOLE   30,427 0 440
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 278 1,045 SH   SOLE   1,045 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 3,406 87,904 SH   SOLE   87,709 0 195
SPDR GOLD TRUST GOLD SHS 78463V107 256 1,919 SH   SOLE   1,919 0 0
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 1,277 25,465 SH   SOLE   25,465 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 362 7,405 SH   SOLE   7,405 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 2,371 81,273 SH   SOLE   70,883 0 10,390
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 1,189 34,410 SH   SOLE   21,995 0 12,415
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 321 9,433 SH   SOLE   9,433 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 215 6,872 SH   SOLE   6,872 0 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 12,561 418,710 SH   SOLE   373,999 0 44,711
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 288 9,386 SH   SOLE   9,286 0 100
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 463 15,653 SH   SOLE   14,598 0 1,055
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,068 20,797 SH   SOLE   20,515 0 282
SPDR S&P 500 ETF TR TR UNIT 78462F103 87,237 297,739 SH   SOLE   290,649 0 7,090
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,894 64,748 SH   SOLE   63,509 0 1,239
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796 686 9,585 SH   SOLE   1,129 0 8,456
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,836 61,300 SH   SOLE   60,500 0 800
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 860 2,426 SH   SOLE   2,426 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 6,994 70,788 SH   SOLE   69,438 0 1,350
TOMPKINS FINANCIAL CORPORATI COM 890110109 310 3,796 SH   OTR   3,796 0 0
UNION PACIFIC CORP COM 907818108 212 1,256 SH   OTR   1,256 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 1,149 23,100 SH   SOLE   23,100 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 31,758 761,404 SH   SOLE   729,072 0 32,332
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,209 240,031 SH   SOLE   234,599 0 5,432
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,058 44,967 SH   SOLE   44,967 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,315 13,851 SH   SOLE   13,851 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,345 12,079 SH   SOLE   10,219 0 1,860
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,174 22,220 SH   SOLE   22,220 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,993 34,244 SH   SOLE   33,055 0 1,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,825 6,779 SH   SOLE   6,779 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 730 9,065 SH   SOLE   9,065 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,220 15,125 SH   SOLE   15,125 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,570 25,760 SH   SOLE   25,760 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 63,806 1,293,714 SH   SOLE   1,261,819 0 31,895
VANGUARD INDEX FDS SMALL CP ETF 922908751 963 6,145 SH   SOLE   6,145 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,159 21,835 SH   SOLE   21,835 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 41,544 500,107 SH   SOLE   493,012 0 7,095
VANGUARD INDEX FDS TOTAL STK MKT 922908769 600 3,997 SH   SOLE   3,997 0 0