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 CO COM 88579Y101 364 2,684 SH   SOLE 2,464 0 220
ABBOTT LABS COM 002824100 1,269 32,941 SH   SOLE 13,987 0 18,954
ABBVIE INC COM 00287Y109 1,712 33,301 SH   SOLE 14,057 0 19,244
AETNA INC NEW COM 00817Y108 201 2,685 SH   SOLE 2,169 0 516
AIR PRODS & CHEMS INC COM 009158106 270 2,270 SH   SOLE 1,510 0 760
ALLERGAN INC COM 018490102 282 2,268 SH   SOLE 1,540 0 728
ALLSTATE CORP COM 020002101 299 5,292 SH   SOLE 4,402 0 890
ALTRIA GROUP INC COM 02209S103 359 9,604 SH   SOLE 8,434 0 1,170
AMAZON COM INC COM 023135106 554 1,648 SH   SOLE 1,287 0 361
AMERICAN EXPRESS CO COM 025816109 537 5,965 SH   SOLE 5,465 0 500
AMERICAN INTL GROUP INC COM NEW 026874784 536 10,712 SH   SOLE 9,517 0 1,195
AMERIPRISE FINL INC COM 03076c106 270 2,457 SH   SOLE 2,267 0 190
AMERISOURCEBERGEN CORP COM 03073e105 312 4,760 SH   SOLE 4,510 0 250
AMGEN INC COM 031162100 409 3,315 SH   SOLE 2,585 0 730
APPLE INC COM 037833100 2,099 3,911 SH   SOLE 3,478 0 433
ARCHER DANIELS MIDLAND CO COM 039483102 264 6,078 SH   SOLE 5,396 0 682
AT&T INC COM 00206r102 1,710 48,773 SH   SOLE 38,274 0 10,499
AUTONATION INC COM 05329W102 270 5,070 SH   SOLE 4,520 0 550
AUTOZONE INC COM 053332102 301 560 SH   SOLE 500 0 60
BALCHEM CORP COM 057665200 270 5,179 SH   SOLE 0 0 5,179
BANK MONTREAL QUE COM 063671101 389 5,800 SH   SOLE 5,800 0 0
BANK OF AMERICA CORPORATION COM 060505104 780 45,376 SH   SOLE 34,376 0 11,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 562 3 SH   SOLE 3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 881 7,051 SH   SOLE 6,231 0 820
BIOGEN IDEC INC COM 09062X103 256 836 SH   SOLE 776 0 60
BLACKROCK INC COM 09247X101 226 720 SH   SOLE 600 0 120
BOEING CO COM 097023105 453 3,611 SH   SOLE 3,261 0 350
BP PLC SPONSORED ADR 055622104 230 4,779 SH   SOLE 2,280 0 2,499
BRISTOL MYERS SQUIBB CO COM 110122108 355 6,825 SH   SOLE 5,935 0 890
CAPITAL ONE FINL CORP COM 14040H105 245 3,180 SH   SOLE 2,810 0 370
CATERPILLAR INC DEL COM 149123101 605 6,089 SH   SOLE 3,273 0 2,816
CBS CORP NEW CL B 124857202 285 4,616 SH   SOLE 4,426 0 190
CENTURYLINK INC COM 156700106 216 6,571 SH   SOLE 6,108 0 463
CHEVRON CORP NEW COM 166764100 1,505 12,653 SH   SOLE 10,729 0 1,924
CINCINNATI FINL CORP COM 172062101 318 6,541 SH   SOLE 6,541 0 0
CISCO SYS INC COM 17275R102 438 19,540 SH   SOLE 17,380 0 2,160
CITIGROUP INC COM NEW 172967424 593 12,456 SH   SOLE 10,889 0 1,567
CLARCOR INC COM 179895107 263 4,594 SH   SOLE 4,594 0 0
COCA COLA CO COM 191216100 543 14,054 SH   SOLE 12,508 0 1,546
COLGATE PALMOLIVE CO COM 194162103 423 6,520 SH   SOLE 5,580 0 940
COMCAST CORP NEW CL A 20030N101 425 8,499 SH   SOLE 6,605 0 1,894
COMPUTER SCIENCES CORP COM 205363104 355 5,840 SH   SOLE 4,990 0 850
CONOCOPHILLIPS COM 20825C104 578 8,217 SH   SOLE 5,895 0 2,322
CONSOLIDATED EDISON INC COM 209115104 275 5,128 SH   SOLE 4,698 0 430
COSTCO WHSL CORP NEW COM 22160K105 202 1,809 SH   SOLE 1,579 0 230
CSX CORP COM 126408103 234 8,070 SH   SOLE 1,290 0 6,780
CVS CAREMARK CORPORATION COM 126650100 606 8,098 SH   SOLE 5,423 0 2,675
DANAHER CORP DEL COM 235851102 316 4,220 SH   SOLE 4,010 0 210
DEERE & CO COM 244199105 225 2,481 SH   SOLE 1,217 0 1,264
DENTSPLY INTL INC NEW COM 249030107 510 11,074 SH   SOLE 10,774 0 300
DEXCOM INC COM 252131107 1,878 45,398 SH   SOLE 45,398 0 0
DIRECTV COM 25490A309 209 2,729 SH   SOLE 1,007 0 1,722
DISNEY WALT CO COM DISNEY 254687106 949 11,858 SH   SOLE 8,850 0 3,008
DOMINION RES INC VA NEW COM 25746U109 265 3,730 SH   SOLE 3,220 0 510
DOW CHEM CO COM 260543103 215 4,416 SH   SOLE 4,236 0 180
DUKE ENERGY CORP NEW COM NEW 26441C204 709 9,949 SH   SOLE 9,281 0 668
EOG RES INC COM 26875P101 373 1,900 SH   SOLE 1,640 0 260
EXELON CORP COM 30161N101 567 16,893 SH   SOLE 11,322 0 5,571
EXPRESS SCRIPTS HLDG CO COM 30219G108 209 2,781 SH   SOLE 2,087 0 694
EXXON MOBIL CORP COM 30231G102 3,913 40,063 SH   SOLE 26,741 0 13,322
FIFTH THIRD BANCORP COM 316773100 208 9,060 SH   SOLE 7,780 0 1,280
FIRSTENERGY CORP COM 337932107 206 6,055 SH   SOLE 6,055 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 651 41,754 SH   SOLE 38,189 0 3,565
FRANKLIN RES INC COM 354613101 254 4,680 SH   SOLE 4,050 0 630
GALLAGHER ARTHUR J & CO COM 363576109 271 5,700 SH   SOLE 5,700 0 0
GENERAL ELECTRIC CO COM 369604103 1,630 62,956 SH   SOLE 48,481 0 14,475
GENERAL MLS INC COM 370334104 424 8,189 SH   SOLE 4,969 0 3,220
GENWORTH FINL INC COM CL A 37247D106 777 43,810 SH   SOLE 39,560 0 4,250
GILEAD SCIENCES INC COM 375558103 457 6,454 SH   SOLE 6,134 0 320
GOLDMAN SACHS GROUP INC COM 38141G104 287 1,754 SH   SOLE 1,598 0 156
GOODYEAR TIRE & RUBR CO COM 382550101 227 8,672 SH   SOLE 7,572 0 1,100
GOOGLE INC CL A 38259P508 1,162 1,043 SH   SOLE 908 0 135
GRAFTECH INTL LTD COM 384313102 765 70,033 SH   SOLE 70,000 0 33
GRAINGER W W INC COM 384802104 236 935 SH   SOLE 795 0 140
HARTFORD FINL SVCS GROUP INC COM 416515104 441 12,510 SH   SOLE 11,270 0 1,240
HOME DEPOT INC COM 437076102 475 6,007 SH   SOLE 5,025 0 982
HONEYWELL INTL INC COM 438516106 306 3,303 SH   SOLE 3,232 0 71
HORMEL FOODS CORP COM 440452100 306 6,204 SH   SOLE 6,204 0 0
HUMANA INC COM 444859102 271 2,400 SH   SOLE 2,140 0 260
INTEL CORP COM 458140100 556 21,524 SH   SOLE 19,205 0 2,319
INTERNATIONAL BUSINESS MACHS COM 459200101 1,655 8,600 SH   SOLE 6,215 0 2,385
INTL PAPER CO COM 460146103 235 5,130 SH   SOLE 4,590 0 540
ISHARES CORE S&P500 ETF 464287200 6,649 35,341 SH   SOLE 29,959 0 5,382
ISHARES MSCI EMG MKT ETF 464287234 518 12,625 SH   SOLE 10,389 0 2,236
ISHARES S&P 500 VAL ETF 464287408 1,511 17,389 SH   SOLE 10,782 0 6,607
ISHARES MSCI EAFE ETF 464287465 985 14,664 SH   SOLE 10,611 0 4,053
ISHARES CORE S&P MCP ETF 464287507 345 2,507 SH   SOLE 2,321 0 186
ISHARES RUS 1000 VAL ETF 464287598 1,247 12,924 SH   SOLE 8,654 0 4,270
ISHARES RUS 1000 GRW ETF 464287614 283 3,272 SH   SOLE 3,272 0 0
ISHARES RUS 2000 VAL ETF 464287630 362 3,595 SH   SOLE 174 0 3,421
ISHARES RUSSELL 2000 ETF 464287655 319 2,739 SH   SOLE 1,680 0 1,059
ISHARES CORE S&P SCP ETF 464287804 1,098 9,972 SH   SOLE 8,694 0 1,278
ISHARES DOW JONES US ETF 464287846 14,966 157,838 SH   SOLE 135,098 0 22,740
ISHARES SP SMCP600VL ETF 464287879 2,006 17,684 SH   SOLE 12,134 0 5,550
ISHARES EAFE VALUE ETF 464288877 2,072 35,991 SH   SOLE 24,697 0 11,294
JOHNSON & JOHNSON COM 478160104 1,596 16,249 SH   SOLE 12,043 0 4,206
JPMORGAN CHASE & CO COM 46625H100 1,065 17,542 SH   SOLE 16,500 0 1,042
KIMBERLY CLARK CORP COM 494368103 259 2,346 SH   SOLE 1,938 0 408
KROGER CO COM 501044101 241 5,529 SH   SOLE 4,849 0 680
LILLY ELI & CO COM 532457108 208 3,540 SH   SOLE 3,260 0 280
LINCOLN NATL CORP IND COM 534187109 321 6,340 SH   SOLE 5,750 0 590
MACYS INC COM 55616p104 418 7,050 SH   SOLE 5,980 0 1,070
MARATHON PETE CORP COM 56585A102 279 3,205 SH   SOLE 3,135 0 70
MARCUS CORP COM 566330106 560 33,544 SH   SOLE 33,544 0 0
MASTERCARD INC CL A 57636Q104 344 4,600 SH   SOLE 4,000 0 600
MCDONALDS CORP COM 580135101 724 7,381 SH   SOLE 5,676 0 1,705
MCKESSON CORP COM 58155Q103 440 2,490 SH   SOLE 2,220 0 270
MEDTRONIC INC COM 585055106 230 3,732 SH   SOLE 3,412 0 320
MERCK & CO INC NEW COM 58933Y105 440 7,757 SH   SOLE 6,693 0 1,064
METLIFE INC COM 59156r108 371 7,030 SH   SOLE 5,695 0 1,335
MICROSOFT CORP COM 594918104 1,165 28,413 SH   SOLE 25,019 0 3,394
MORGAN STANLEY COM NEW 617446448 309 9,905 SH   SOLE 8,485 0 1,420
NORTHEAST UTILS COM 664397106 212 4,655 SH   SOLE 4,655 0 0
NORTHROP GRUMMAN CORP COM 666807102 242 1,960 SH   SOLE 1,840 0 120
NUCOR CORP COM 670346105 209 4,142 SH   SOLE 1,883 0 2,259
OCCIDENTAL PETE CORP DEL COM 674599105 422 4,432 SH   SOLE 4,203 0 229
OFFICE DEPOT INC COM 676220106 70 17,000 SH   SOLE 14,930 0 2,070
ORACLE CORP COM 68389X105 535 13,068 SH   SOLE 11,652 0 1,416
PATTERSON COMPANIES INC COM 703395103 352 8,420 SH   SOLE 712 0 7,708
PEPSICO INC COM 713448108 727 8,707 SH   SOLE 8,073 0 634
PFIZER INC COM 717081103 1,555 48,398 SH   SOLE 23,791 0 24,607
PHILIP MORRIS INTL INC COM 718172109 637 7,780 SH   SOLE 6,835 0 945
PHILLIPS 66 COM 718546104 420 5,448 SH   SOLE 4,657 0 791
PNC FINL SVCS GROUP INC COM 693475105 203 2,337 SH   SOLE 2,057 0 280
POWERSHARES QQQ TRUST UNIT SER 1 73935a104 595 6,789 SH   SOLE 6,789 0 0
PPG INDS INC COM 693506107 238 1,230 SH   SOLE 1,110 0 120
PRAXAIR INC COM 74005P104 442 3,374 SH   SOLE 3,116 0 258
PRICELINE COM INC COM NEW 741503403 201 169 SH   SOLE 140 0 29
PRINCIPAL FINL GROUP INC COM 74251V102 212 4,607 SH   SOLE 4,207 0 400
PROCTER & GAMBLE CO COM 742718109 1,060 13,157 SH   SOLE 12,350 0 807
PRUDENTIAL FINL INC COM 744320102 392 4,625 SH   SOLE 4,415 0 210
QUALCOMM INC COM 747525103 765 9,704 SH   SOLE 6,885 0 2,819
REPUBLIC SVCS INC COM 760759100 620 18,140 SH   SOLE 18,140 0 0
SCHLUMBERGER LTD COM 806857108 434 4,453 SH   SOLE 3,863 0 590
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,064 23,276 SH   SOLE 20,345 0 2,931
SIMON PPTY GROUP INC NEW COM 828806109 419 2,557 SH   SOLE 2,307 0 250
SIRIUS XM HLDGS INC COM 82968B103 76 23,845 SH   SOLE 3,845 0 20,000
SLM CORP COM 78442P106 2,659 108,610 SH   SOLE 1,590 0 107,020
SOUTHERN CO COM 842587107 540 12,295 SH   SOLE 8,706 0 3,589
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 24,987 343,651 SH   SOLE 245,363 0 98,288
SPDR INDEX SHS FDS S&P INTL SMLCP 78463x871 248 7,326 SH   SOLE 4,239 0 3,087
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,140 6,095 SH   SOLE 4,774 0 1,321
SPECTRA ENERGY CORP COM 847560109 251 6,802 SH   SOLE 5,572 0 1,230
SYSCO CORP COM 871829107 243 6,730 SH   SOLE 6,550 0 180
TENET HEALTHCARE CORP COM NEW 88033G407 378 8,822 SH   SOLE 7,643 0 1,179
TESORO CORP COM 881609101 482 9,520 SH   SOLE 8,240 0 1,280
TIME WARNER INC COM NEW 887317303 224 3,436 SH   SOLE 3,436 0 0
TRAVELERS COMPANIES INC COM 89417E109 267 3,136 SH   SOLE 2,688 0 448
TYSON FOODS INC CL A 902494103 410 9,309 SH   SOLE 8,529 0 780
UNION PAC CORP COM 907818108 988 5,264 SH   SOLE 5,036 0 228
UNITED PARCEL SERVICE INC CL B 911312106 290 2,980 SH   SOLE 2,590 0 390
UNITED TECHNOLOGIES CORP COM 913017109 1,995 17,076 SH   SOLE 16,632 0 444
UNITEDHEALTH GROUP INC COM 91324P102 283 3,450 SH   SOLE 2,860 0 590
US BANCORP DEL COM NEW 902973304 450 10,505 SH   SOLE 9,528 0 977
VALERO ENERGY CORP NEW COM 91913Y100 416 7,830 SH   SOLE 6,810 0 1,020
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,179 41,523 SH   SOLE 17,753 0 23,770
VANGUARD INDEX FDS VALUE ETF 922908744 3,868 49,519 SH   SOLE 34,800 0 14,718
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,640 23,377 SH   SOLE 7,411 0 15,966
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,020 123,321 SH   SOLE 83,267 0 40,054
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,777 25,986 SH   SOLE 16,610 0 9,377
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,310 26,035 SH   SOLE 14,655 0 11,380
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,168 28,791 SH   SOLE 18,400 0 10,391
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 10,971 265,836 SH   SOLE 11,857 0 253,979
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 9,345 166,340 SH   SOLE 79,711 0 86,629
VANGUARD WORLD FD MEGA CAP INDEX 921910873 498 7,800 SH   SOLE 7,800 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 905 19,018 SH   SOLE 12,442 0 6,576
VISA INC COM CL A 92826C839 322 1,491 SH   SOLE 1,270 0 221
WALGREEN CO COM 931422109 788 11,934 SH   SOLE 10,942 0 992
WAL-MART STORES INC COM 931142103 925 12,109 SH   SOLE 9,467 0 2,642
WASTE MGMT INC DEL COM 94106L109 505 11,996 SH   SOLE 11,596 0 400
WELLPOINT INC COM 94973V107 373 3,742 SH   SOLE 3,150 0 592
WELLS FARGO & CO NEW COM 949746101 2,427 48,792 SH   SOLE 45,957 0 2,835
WESTERN DIGITAL CORP COM 958102105 209 2,280 SH   SOLE 1,960 0 320
WHIRLPOOL CORP COM 963320106 404 2,700 SH   SOLE 2,390 0 310
WHITEWAVE FOODS CO COM CL A 966244105 326 11,420 SH   SOLE 9,771 0 1,649
WISDOMTREE TR EMERG MKTS ETF 97717w315 20,003 407,647 SH   SOLE 290,110 0 117,537
WISDOMTREE TR INDIA ERNGS FD 97717w422 812 42,834 SH   SOLE 39,146 0 3,688
WOODWARD INC COM 980745103 1,778 42,819 SH   SOLE 35,691 0 7,128
WYNDHAM WORLDWIDE CORP COM 98310w108 333 4,545 SH   SOLE 4,375 0 170
XL GROUP PLC SHS G98290102 636 20,340 SH   SOLE 18,220 0 2,120