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
3M COMPANY COM 88579Y101 6,781 62,015 SH   SOLE   62,015 0 0
AES COM 00130H105 170 14,200 SH   SOLE   14,200 0 0
AFLAC INC COM 001055102 2,151 37,002 SH   SOLE   37,002 0 0
ABB LTD ADR 000375204 884 40,825 SH   SOLE   40,825 0 0
ABBOTT LABORATORIES COM 002824100 6,508 186,595 SH   SOLE   186,595 0 0
ABBVIE INC COM 00287Y109 4,656 112,628 SH   SOLE   112,628 0 0
ACCENTURE LTD CL A G1150G111 8,725 121,251 SH   SOLE   121,251 0 0
ACE LIMITED ORD G0070K103 3,916 43,765 SH   SOLE   43,765 0 0
ACTAVIS COM 005075103 2,400 19,015 SH   SOLE   19,015 0 0
AIR PROD & CHEMICALS COM 009158106 3,151 34,416 SH   SOLE   34,416 0 0
ALLERGAN INC COM 018490102 533 6,332 SH   SOLE   6,332 0 0
ALTRIA GROUP COM 02209S103 2,057 58,782 SH   SOLE   58,782 0 0
AMERICA MOVIL SERIES L ADR 02364W105 272 12,524 SH   SOLE   12,524 0 0
AMERICAN EXPRESS COM 025816109 7,872 105,302 SH   SOLE   105,302 0 0
AMERICAN WATER WORKS CO COM 030420103 309 7,500 SH   SOLE   7,500 0 0
AMGEN INCORPORATED COM 031162100 487 4,936 SH   SOLE   4,936 0 0
ANADARKO PETROLEUM COM 032511107 2,107 24,525 SH   SOLE   24,525 0 0
ANALOG DEVICES INC COM 032654105 1,007 22,343 SH   SOLE   22,343 0 0
APACHE CORP COM 037411105 1,058 12,626 SH   SOLE   12,626 0 0
APPLE COMPUTER COM 037833100 10,384 26,187 SH   SOLE   26,187 0 0
ATT COM 00206R102 2,036 57,510 SH   SOLE   57,510 0 0
AUTOMATIC DATA PROC COM 053015103 5,256 76,336 SH   SOLE   76,336 0 0
AVERY DENNISON CORP COM 053611109 674 15,770 SH   SOLE   15,770 0 0
BANK OF AMERICA CORP COM 060505104 767 59,670 SH   SOLE   59,670 0 0
BARRICK GOLD CORP COM 067901108 1,089 69,197 SH   SOLE   69,197 0 0
BAXTER INTERNATIONAL COM 071813109 1,088 15,713 SH   SOLE   15,713 0 0
BECTON DICKINSON & CO COM 075887109 1,341 13,571 SH   SOLE   13,571 0 0
BERKSHIRE HATHAWAY CL B 084670207 11,035 98,595 SH   SOLE   98,595 0 0
BHP BILLITON ADR 088606108 2,554 44,291 SH   SOLE   44,291 0 0
BLACKROCK INC COM 09247X101 6,173 24,034 SH   SOLE   24,034 0 0
BLOCK H&R INC COM 093671105 372 13,400 SH   SOLE   13,400 0 0
BOEING CO COM 097023105 5,660 55,255 SH   SOLE   55,255 0 0
BP PLC ADR ADR 055622104 6,196 148,451 SH   SOLE   148,451 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,255 28,087 SH   SOLE   28,087 0 0
BROADCOM CORP CL A 111320107 845 25,002 SH   SOLE   25,002 0 0
CH ROBINSON WORLDWIDE COM 12541W209 696 12,357 SH   SOLE   12,357 0 0
C S X CORP COM 126408103 350 15,099 SH   SOLE   15,099 0 0
CVS CAREMARK COM 126650100 285 4,983 SH   SOLE   4,983 0 0
CATERPILLAR COM 149123101 337 4,085 SH   SOLE   4,085 0 0
CELGENE CORP COM 151020104 5,494 46,967 SH   SOLE   46,967 0 0
CENTURYTEL INC COM 156700106 201 5,681 SH   SOLE   5,681 0 0
CERNER CORPORATION COM 156782104 8,068 83,962 SH   SOLE   83,962 0 0
CHEVRONTEXACO CORP COM 166764100 21,942 185,411 SH   SOLE   185,411 0 0
CHUBB CORPORATION COM 171232101 1,653 19,528 SH   SOLE   19,528 0 0
CISCO SYSTEMS INC COM 17275R102 5,682 233,495 SH   SOLE   233,495 0 0
CLOROX COMPANY COM 189054109 4,040 48,595 SH   SOLE   48,595 0 0
COACH INC COM 189754104 1,205 21,100 SH   SOLE   21,100 0 0
COCA COLA COMPANY COM 191216100 8,748 218,094 SH   SOLE   218,094 0 0
COLGATE-PALMOLIVE CO COM 194162103 7,925 138,338 SH   SOLE   138,338 0 0
CONOCOPHILLIPS COM 20825C104 8,372 138,388 SH   SOLE   138,388 0 0
CORNING INC COM 219350105 453 31,800 SH   SOLE   31,800 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,810 25,413 SH   SOLE   25,413 0 0
COVIDIEN LTD SHS G2554F113 265 4,217 SH   SOLE   4,217 0 0
CUMMINS INC COM 231021106 7,896 72,801 SH   SOLE   72,801 0 0
DAILY JOURNAL CORP COM 233912104 678 6,000 SH   SOLE   6,000 0 0
DANAHER CORP DEL COM 235851102 4,906 77,497 SH   SOLE   77,497 0 0
DEERE & CO COM 244199105 3,299 40,606 SH   SOLE   40,606 0 0
DEVON ENERGY CP NEW COM 25179M103 3,306 63,725 SH   SOLE   63,725 0 0
DIAGEO PLC ADR 25243Q205 764 6,650 SH   SOLE   6,650 0 0
DISCOVERY HOLDING SER A COM 25470F104 390 5,050 SH   SOLE   5,050 0 0
DISNEY WALT CO COM 254687106 8,959 141,867 SH   SOLE   141,867 0 0
DOMINION RES INC COM 25746U109 2,318 40,800 SH   SOLE   40,800 0 0
DOW CHEMICAL CO COM 260543103 822 25,540 SH   SOLE   25,540 0 0
DU PONT E I DE NEMOUR COM 263534109 4,975 94,753 SH   SOLE   94,753 0 0
EMC CORP COM 268648102 6,620 280,277 SH   SOLE   280,277 0 0
EBAY INC COM 278642103 1,199 23,184 SH   SOLE   23,184 0 0
EDISON INTERNATIONAL COM 281020107 829 17,204 SH   SOLE   17,204 0 0
EMERSON ELECTRIC CO COM 291011104 3,437 63,018 SH   SOLE   63,018 0 0
ENBRIDGE ENERGY PTNRS COM 29250R106 254 8,337 SH   SOLE   8,337 0 0
EXXON MOBIL CORPORATION COM 30231G102 38,744 428,823 SH   SOLE   428,823 0 0
FINANCIAL SELECT SPDR XLF COM 30231G102 389 20,000 SH   SOLE   20,000 0 0
FIRSTENERGY CORP COM 81369Y605 494 13,235 SH   SOLE   13,235 0 0
FLAHERTY & CRUMRINE PFD COM 338480106 249 17,700 SH   SOLE   17,700 0 0
FLAHERTY & CRUMRINE PFO COM 33848E106 700 63,708 SH   SOLE   63,708 0 0
FLAHERTY & CRUMRINE FFC COM 338478100 3,216 171,510 SH   SOLE   171,510 0 0
FREEPORT MCMORN CL B 35671D857 3,408 123,423 SH   SOLE   123,423 0 0
GENERAL ELECTRIC CO COM 369604103 16,664 718,577 SH   SOLE   718,577 0 0
GENERAL MILLS INC COM 370334104 703 14,480 SH   SOLE   14,480 0 0
GENUINE PARTS COM 372460105 513 6,569 SH   SOLE   6,569 0 0
GILEAD SCIENCES INC COM 375558103 6,036 117,735 SH   SOLE   117,735 0 0
GOOGLE INC CL A 38259P508 7,657 8,697 SH   SOLE   8,697 0 0
GRACE WR & CO COM 38388F108 324 3,850 SH   SOLE   3,850 0 0
HALLIBURTON CO COM 406216101 874 20,951 SH   SOLE   20,951 0 0
HEWLETT-PACKARD COMPANY COM 428236103 681 27,475 SH   SOLE   27,475 0 0
HOME DEPOT INC COM 437076102 3,180 41,054 SH   SOLE   41,054 0 0
HONEYWELL INTERNATIONAL COM 438516106 494 6,224 SH   SOLE   6,224 0 0
HOSPIRA COM 441060100 202 5,280 SH   SOLE   5,280 0 0
HSBC ADR 404280406 435 8,375 SH   SOLE   8,375 0 0
ILLINOIS TOOL WORKS INC COM 452308109 1,165 16,837 SH   SOLE   16,837 0 0
INTEL CORP COM 458140100 8,442 348,403 SH   SOLE   348,403 0 0
INTL BUSINESS MACHINES COM 459200101 6,309 33,015 SH   SOLE   33,015 0 0
INTUIT INC COM 461202103 5,282 86,536 SH   SOLE   86,536 0 0
ISHARES MSCI AUSTR EWA ETF 464286103 431 19,099 SH   SOLE   19,099 0 0
ISHARES MSCI BRAZIL EWZ ETF 464286400 668 15,230 SH   SOLE   15,230 0 0
ISHARES MSCI CDA EWC ETF 464286509 2,992 114,407 SH   SOLE   114,407 0 0
ISHARES MSCI EAFE ECH ETF 464286640 1,270 23,611 SH   SOLE   23,611 0 0
ISHARES MSCI EAFE EFA ETF 464287465 10,082 175,952 SH   SOLE   175,952 0 0
ISHARES MSCI EMRG MKT EEM ETF 464287234 1,772 46,017 SH   SOLE   46,017 0 0
ISHARES MSCI INDONESIA EIDO ETF 46429B309 732 23,477 SH   SOLE   23,477 0 0
ISHARES MSCI JPN EWJ ETF 464286848 781 69,650 SH   SOLE   69,650 0 0
ISHARES MSCI KOREA EWY ETF 464286848 731 13,747 SH   SOLE   13,747 0 0
ISHARES MSCI MEXICO EWW ETF 464286822 254 3,892 SH   SOLE   3,892 0 0
ISHARES MSCI JPIDX EPP ETF 464286848 4,446 103,315 SH   SOLE   103,315 0 0
ISHARES MSCI TAIWAN EWT ETF 464286731 214 16,125 SH   SOLE   16,125 0 0
ISHARES MSCI TURKEY TUR ETF 464286715 557 9,380 SH   SOLE   9,380 0 0
ISHARES RUSS 2000 IWM ETF 464287655 8,181 84,345 SH   SOLE   84,345 0 0
ISHARES RUSS MID IWR ETF 464287499 591 4,550 SH   SOLE   4,550 0 0
ISHARES RUSS 1000 IWB ETF 464287622 1,734 19,285 SH   SOLE   19,285 0 0
ISHARES RUSS 1000 IWF ETF 464287614 492 6,770 SH   SOLE   6,770 0 0
ISHARES S&P 600 IJR ETF 464287804 3,295 36,490 SH   SOLE   36,490 0 0
ISHARES S&P IVV ETF 46287200 540 3,355 SH   SOLE   3,355 0 0
JM SMUCKER CO COM NEW 832696405 1,691 16,389 SH   SOLE   16,389 0 0
JACOBS ENGINEERING GRP COM 469814107 2,560 46,435 SH   SOLE   46,435 0 0
JOHNSON & JOHNSON COM 478160104 19,125 222,741 SH   SOLE   222,741 0 0
JOHNSON CONTROLS INC COM 478366107 1,326 37,052 SH   SOLE   37,052 0 0
JPMORGAN CHASE & CO COM 46625H100 7,668 145,255 SH   SOLE   145,255 0 0
KIMBERLY CLARK COM 494368103 282 2,900 SH   SOLE   2,900 0 0
KINDER MORGAN EN LP UT LTD 494550106 408 4,775 SH   SOLE   4,775 0 0
KRAFT FOODS INC CL A 50075N104 5,025 89,941 SH   SOLE   89,941 0 0
LABORATORY CORP OF AMER COM NEW 50540R409 1,274 12,725 SH   SOLE   12,725 0 0
LEUCADIA NATIONAL CORP COM 527288104 995 37,937 SH   SOLE   37,937 0 0
LILLY ELI & COMPANY COM 532457108 683 13,900 SH   SOLE   13,900 0 0
LINCOLN ELECTRIC COM 533900106 1,333 23,275 SH   SOLE   23,275 0 0
LOCKHEED MARTIN CORP COM 539830109 434 4,000 SH   SOLE   4,000 0 0
LOWES COMPANIES INC COM 548661107 6,915 169,072 SH   SOLE   169,072 0 0
M&T BANK COM 55261F104 2,391 21,400 SH   SOLE   21,400 0 0
MC CORMICK COM 579780206 1,150 16,350 SH   SOLE   16,350 0 0
MC DONALDS CORP COM 580135101 8,775 88,639 SH   SOLE   88,639 0 0
MCKESSON INC COM 58155Q103 321 2,800 SH   SOLE   2,800 0 0
MEAD JOHNSON COM 582839106 852 10,759 SH   SOLE   10,759 0 0
MEDTRONIC INC COM 585055106 4,543 88,260 SH   SOLE   88,260 0 0
MERCK & CO INC COM 589331107 8,243 177,465 SH   SOLE   177,465 0 0
METLIFE INC COM 59156R108 282 6,157 SH   SOLE   6,157 0 0
MICROSOFT CORP COM 594918104 12,068 349,343 SH   SOLE   349,343 0 0
MONDELEZ INTL CL A 609207105 6,243 218,835 SH   SOLE   218,835 0 0
MYLAN INC COM 628530107 2,199 70,864 SH   SOLE   70,864 0 0
NATIONAL INSTRUMENTS COM 636518102 555 19,875 SH   SOLE   19,875 0 0
NATIONAL OILWELL COM 637071101 1,179 17,114 SH   SOLE   17,114 0 0
NEWS CORP LTD CL A 65248E104 1,007 30,906 SH   SOLE   30,906 0 0
NEXTERA ENERGY COM 654106103 6,442 79,066 SH   SOLE   79,066 0 0
NIKE INC CL B 654106103 7,330 115,110 SH   SOLE   115,110 0 0
NOVARTIS AG ADR 66987V109 1,631 23,069 SH   SOLE   23,069 0 0
OMNICOM PARTNERS COM 681919106 2,161 34,371 SH   SOLE   34,371 0 0
ONEOK PARTNERS LP UT 68268N103 589 11,894 SH   SOLE   11,894 0 0
ORACLE CORPORATION COM 68389X105 6,876 223,898 SH   SOLE   223,898 0 0
PAYCHEX INC COM 704326107 4,199 115,021 SH   SOLE   115,021 0 0
PEPSICO INCORPORATED COM 713448108 11,102 135,743 SH   SOLE   135,743 0 0
PFIZER INCORPORATED COM 717081103 14,832 529,510 SH   SOLE   529,510 0 0
PHILIP MORRIS INTL INC COM 718172109 4,242 48,970 SH   SOLE   48,970 0 0
PHILLIPS 66 COM 718546104 371 6,302 SH   SOLE   6,302 0 0
PLUM CREEK TIMBER COM 729251108 452 9,692 SH   SOLE   9,692 0 0
POTASH CORP SASK COM 73755L107 1,010 26,500 SH   SOLE   26,500 0 0
POWERSHS WINDERHILL PBW ETF 73935X500 282 52,275 SH   SOLE   52,275 0 0
POWERSHS ETF WATER PHO ETF 73935X575 899 40,800 SH   SOLE   40,800 0 0
POWERSHS GLOBAL EXC PIO ETF 73936T623 285 15,138 SH   SOLE   15,138 0 0
POWERSHS PGX ETF 73936T565 4,583 321,188 SH   SOLE   321,188 0 0
PROCTER & GAMBLE COM 742718109 13,341 173,285 SH   SOLE   173,285 0 0
PUBLIC STORAGE COM 74460D109 899 5,860 SH   SOLE   5,860 0 0
QUALCOMM INC COM 747525103 9,668 158,262 SH   SOLE   158,262 0 0
ROYAL DTCH 1.25 GUILDER NY REG 780257804 2,398 37,592 SH   SOLE   37,592 0 0
S J W CORP COM 784305104 51,197 1,954,070 SH   SOLE   1,954,070 0 0
SCHLUMBERGER LTD COM 806857108 6,338 88,451 SH   SOLE   88,451 0 0
SEMPRA ENERGY COM 816851109 2,633 32,205 SH   SOLE   32,205 0 0
SPDR DJ GLOBAL TITANS DGT ETF 78464A706 357 6,071 SH   SOLE   6,071 0 0
SPDR DJ RE RWX ETF 784634863 247 6,200 SH   SOLE   6,200 0 0
SPDR S&P DIV SDY ETF 78462F103 705 10,635 SH   SOLE   10,635 0 0
SPDR TRUST SPY ETF 78462F103 8,698 54,220 SH   SOLE   54,220 0 0
SPDR S&P EMERG MKTS EDIV ETF 784634533 8,611 222,040 SH   SOLE   222,040 0 0
SPDR S&P HOMEBUILDERS XHB ETF 78464A888 1,425 48,450 SH   SOLE   48,450 0 0
SPDR TRUST MDY ETF 78467Y107 10,767 51,249 SH   SOLE   51,249 0 0
STARBUCKS CORP COM 855244109 1,585 24,195 SH   SOLE   24,195 0 0
STATE STREET CORP COM 857477103 1,212 18,584 SH   SOLE   18,584 0 0
STERICYCLE INC COM 858912108 4,229 38,300 SH   SOLE   38,300 0 0
STRYKER CORP COM 863667101 3,900 60,290 SH   SOLE   60,290 0 0
SYSCO CORP COM 871829107 396 11,606 SH   SOLE   11,606 0 0
TJX COS INC COM 872540109 3,343 66,786 SH   SOLE   66,786 0 0
T ROWE PRICE COM 741447108 2,082 28,436 SH   SOLE   28,436 0 0
TAIWAN SEMICONDUCTOR ADR 874039100 434 23,701 SH   SOLE   23,701 0 0
TARGET CORPORATION COM 87612E106 7,339 106,575 SH   SOLE   106,575 0 0
TECH SEL SPDR XLK ETF 81369Y803 428 13,982 SH   SOLE   13,982 0 0
TEVA PHARM INDS LTD ADR 881624209 2,530 64,549 SH   SOLE   64,549 0 0
TEXAS INSTRUMENTS INC COM 882508104 207 5,935 SH   SOLE   5,935 0 0
THE CHARLES SCHWAB CORP COM 808513105 2,919 137,503 SH   SOLE   137,503 0 0
THERMO FISHER SCIENTIFIC COM 883556102 296 3,500 SH   SOLE   3,500 0 0
TIFFANY COM 886547108 390 5,353 SH   SOLE   5,353 0 0
TIME WARNER CABLE TWC COM 88732J207 594 5,282 SH   SOLE   5,282 0 0
TIME WARNER INC TWX COM 887317303 1,399 24,204 SH   SOLE   24,204 0 0
TRACTOR SUPPLY COMPANY COM 892356106 2,939 25,000 SH   SOLE   25,000 0 0
TRANSOCEAN INC COM G90078109 3,014 62,866 SH   SOLE   62,866 0 0
U S BANCORP DEL NEW COM NEW 902973304 376 10,404 SH   SOLE   10,404 0 0
UNILEVER NV NY SHS NY SHS 904784709 273 6,943 SH   SOLE   6,943 0 0
UNION PACIFIC CORP COM 907818108 7,434 48,184 SH   SOLE   48,184 0 0
UNITED PARCEL SERVICE CL B 911312106 3,281 37,938 SH   SOLE   37,938 0 0
UNITED TECHNOLOGIES COM 913017109 4,359 46,896 SH   SOLE   46,896 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,359 20,750 SH   SOLE   20,750 0 0
VF CORP COM 918204108 4,979 25,791 SH   SOLE   25,791 0 0
VALERO ENERGY CORP NEW COM 91913Y100 624 17,938 SH   SOLE   17,938 0 0
VANGUARD ALLWORLD VSS ETF 922042718 1,484 16,630 SH   SOLE   16,630 0 0
VANGUARD DIV APPREC VIG ETF 921908844 5,319 80,340 SH   SOLE   80,340 0 0
VANGUARD EMG MKT VWO ETF 922042858 7,190 185,327 SH   SOLE   185,327 0 0
VANGUARD ENERGY VDE ETF 92204A306 789 7,020 SH   SOLE   7,020 0 0
VANGUARD EURPAC VEA ETF 921943858 4,921 138,237 SH   SOLE   138,237 0 0
VANGUARD EURO VGK ETF 922042874 4,715 97,956 SH   SOLE   97,956 0 0
VANGUARD MIDCAP VIP VO ETF 922908629 2,339 24,590 SH   SOLE   24,590 0 0
VANGUARD INTL EQTY VEU ETF 922042775 3,239 73,243 SH   SOLE   73,243 0 0
VANGUARD LARGE CAP VV ETF 922908637 815 11,100 SH   SOLE   11,100 0 0
VANGUARD PACIFIC VPL ETF 922042866 2,180 39,041 SH   SOLE   39,041 0 0
VANGUARD REIT VNQ ETF 922908553 219 3,191 SH   SOLE   3,191 0 0
VANGUARD SMCAP VIP VB ETF 922908751 639 6,815 SH   SOLE   6,815 0 0
VANGUARD TOTAL STK VTI ETF 922908769 476 5,752 SH   SOLE   5,752 0 0
VANGUARD UTILITIES VPU ETF 92204A876 204 2,485 SH   SOLE   2,485 0 0
VERISK ANALYTICS CL A 92345Y106 1,302 21,805 SH   SOLE   21,805 0 0
VERIZON COMMUNICATIONS COM 92343V104 7,642 151,808 SH   SOLE   151,808 0 0
VISA INC CL A CL A 92826C839 252 1,379 SH   SOLE   1,379 0 0
VODAFONE GROUP PLC ADR 92857W100 8,692 302,386 SH   SOLE   302,386 0 0
WP CAREY INC COM 92936U109 611 9,238 SH   SOLE   9,238 0 0
WAL-MART STORES INC COM 931142103 5,753 77,235 SH   SOLE   77,235 0 0
WASHINGTON POST CL B 939640108 411 850 SH   SOLE   850 0 0
WASTE MANAGEMENT COM 94106L109 3,682 91,305 SH   SOLE   91,305 0 0
WELLS FARGO & CO NEW COM 949746101 11,239 272,333 SH   SOLE   272,333 0 0
WILLIAMS COMPANIES COM 969457100 5,856 180,358 SH   SOLE   180,358 0 0
WILLIAMS PARTNERS LP COM LP 96950F104 422 8,175 SH   SOLE   8,175 0 0
XYLEM INC COM 98419M100 256 9,493 SH   SOLE   9,493 0 0