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 3,616 80,315 SH   SOLE   80,315 0 0
ISHARES MSCI ACWI ETF 464288257 3,663 62,611 SH   SOLE   62,611 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 3,630 43,537 SH   SOLE   43,537 0 0
AFLAC INC COM 001055102 3,660 59,917 SH   SOLE   59,917 0 0
ISHARES TR CORE US AGGBD ET 464287226 70,037 636,002 SH   SOLE   636,002 0 0
AIR PRODS & CHEMS INC COM 009158106 673 4,663 SH   SOLE   4,663 0 0
APTARGROUP INC COM 038336103 3,024 45,240 SH   SOLE   45,240 0 0
POWERSHARES ETF TR II BUILD AMER ETF 73937B407 935 30,704 SH   SOLE   30,704 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 9,430 111,365 SH   SOLE   111,365 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 3,343 139,099 SH   SOLE   139,099 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 18,913 200,624 SH   SOLE   200,624 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 29,023 546,470 SH   SOLE   546,470 0 0
BROWN & BROWN INC COM 115236101 2,974 90,373 SH   SOLE   90,373 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 45,179 565,094 SH   SOLE   565,094 0 0
COMMERCE BANCSHARES INC COM 200525103 3,689 84,818 SH   SOLE   84,818 0 0
ISHARES INTERM CR BD ETF 464288638 14,647 133,974 SH   SOLE   133,974 0 0
CLOROX CO DEL COM 189054109 679 6,512 SH   SOLE   6,512 0 0
CME GROUP INC COM 12572Q105 680 7,675 SH   SOLE   7,675 0 0
CONOCOPHILLIPS COM 20825C104 3,441 49,830 SH   SOLE   49,830 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,998 21,149 SH   SOLE   21,149 0 0
ISHARES 1-3 YR CR BD ETF 464288646 20,011 190,252 SH   SOLE   190,252 0 0
CHEVRON CORP NEW COM 166764100 3,397 30,284 SH   SOLE   30,284 0 0
DOMINION RES INC VA NEW COM 25746U109 3,148 40,933 SH   SOLE   40,933 0 0
DBX ETF TR XTRAK MSCI EAFE 233051200 2,648 98,078 SH   SOLE   98,078 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,862 61,238 SH   SOLE   61,238 0 0
ECOLAB INC COM 278865100 2,697 25,800 SH   SOLE   25,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 892 22,691 SH   SOLE   22,691 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,870 30,732 SH   SOLE   30,732 0 0
EMERSON ELEC CO COM 291011104 3,424 55,475 SH   SOLE   55,475 0 0
ENTERGY CORP NEW COM 29364G103 688 7,867 SH   SOLE   7,867 0 0
EATON VANCE CORP COM NON VTG 278265103 3,472 84,834 SH   SOLE   84,834 0 0
ISHARES TR FLTG RATE BD ETF 46429B655 19,992 395,573 SH   SOLE   395,573 0 0
GENERAL DYNAMICS CORP COM 369550108 640 4,652 SH   SOLE   4,652 0 0
GENERAL MLS INC COM 370334104 3,623 67,939 SH   SOLE   67,939 0 0
GENUINE PARTS CO COM 372460105 3,869 36,301 SH   SOLE   36,301 0 0
GRAINGER W W INC COM 384802104 3,050 11,964 SH   SOLE   11,964 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 999 13,058 SH   SOLE   13,058 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 2,757 49,576 SH   SOLE   49,576 0 0
HARRIS CORP DEL COM 413875105 3,654 50,882 SH   SOLE   50,882 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,450 21,503 SH   SOLE   21,503 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 17,355 163,745 SH   SOLE   163,745 0 0
ISHARES TR CORE MSCI EAFE 46432F842 335,140 6,058,202 SH   SOLE   6,058,202 0 0
ISHARES 3-7 YR TR BD ETF 464288661 24,517 200,451 SH   SOLE   200,451 0 0
ISHARES TR CORE S&P MCP ETF 464287507 10,080 69,611 SH   SOLE   69,611 0 0
ISHARES TR CORE S&P SCP ETF 464287804 231,755 2,031,872 SH   SOLE   2,031,872 0 0
INTEL CORP COM 458140100 658 18,135 SH   SOLE   18,135 0 0
ILLINOIS TOOL WKS INC COM 452308109 3,616 38,183 SH   SOLE   38,183 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,042,167 5,037,788 SH   SOLE   5,037,788 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 9,683 92,754 SH   SOLE   92,754 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 53,789 449,667 SH   SOLE   449,667 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,138 22,039 SH   SOLE   22,039 0 0
JOHNSON & JOHNSON COM 478160104 3,471 33,197 SH   SOLE   33,197 0 0
JPMORGAN CHASE & CO COM 46625H100 653 10,433 SH   SOLE   10,433 0 0
KELLOGG CO COM 487836108 3,583 54,760 SH   SOLE   54,760 0 0
KIMBERLY CLARK CORP COM 494368103 653 5,648 SH   SOLE   5,648 0 0
COCA COLA CO COM 191216100 627 14,860 SH   SOLE   14,860 0 0
LILLY ELI & CO COM 532457108 3,550 51,453 SH   SOLE   51,453 0 0
LOCKHEED MARTIN CORP COM 539830109 3,659 18,999 SH   SOLE   18,999 0 0
ISHARES TR IBOXX INV CP ETF 464287242 33,014 276,478 SH   SOLE   276,478 0 0
MATTEL INC COM 577081102 602 19,464 SH   SOLE   19,464 0 0
ISHARES MBS ETF 464288588 20,953 191,664 SH   SOLE   191,664 0 0
MCDONALDS CORP COM 580135101 3,524 37,609 SH   SOLE   37,609 0 0
MDU RES GROUP INC COM 552690109 542 23,061 SH   SOLE   23,061 0 0
MCCORMICK & CO INC COM NON VTG 579780206 3,023 40,686 SH   SOLE   40,686 0 0
MARKET VECTORS ETF TR MKTVEC LMUNETF 57060U886 670 33,730 SH   SOLE   33,730 0 0
3M CO COM 88579Y101 677 4,123 SH   SOLE   4,123 0 0
ALTRIA GROUP INC COM 02209S103 659 13,369 SH   SOLE   13,369 0 0
MERCK & CO INC NEW COM 58933Y105 3,388 59,661 SH   SOLE   59,661 0 0
MICROSOFT CORP COM 594918104 3,473 74,772 SH   SOLE   74,772 0 0
ISHARES NAT AMT FREE BD 464288414 3,171 28,734 SH   SOLE   28,734 0 0
NEXTERA ENERGY INC COM 65339F101 668 6,280 SH   SOLE   6,280 0 0
NATIONAL FUEL GAS CO N J COM 636180101 2,919 41,981 SH   SOLE   41,981 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,538 32,277 SH   SOLE   32,277 0 0
NORTHEAST UTILS COM 664397106 3,811 71,203 SH   SOLE   71,203 0 0
ISHARES TR S&P 100 ETF 464287101 9,611 105,688 SH   SOLE   105,688 0 0
PAYCHEX INC COM 704326107 639 13,839 SH   SOLE   13,839 0 0
PEPSICO INC COM 713448108 622 6,577 SH   SOLE   6,577 0 0
ISHARES U.S. PFD STK ETF 464288687 1,371 34,750 SH   SOLE   34,750 0 0
PROCTER & GAMBLE CO COM 742718109 3,655 40,127 SH   SOLE   40,127 0 0
POLARIS INDS INC COM 731068102 2,922 19,318 SH   SOLE   19,318 0 0
PIEDMONT NAT GAS INC COM 720186105 669 16,963 SH   SOLE   16,963 0 0
ISHARES TR BAA BA RTD ETF 46432F107 10,440 197,467 SH   SOLE   197,467 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 19,444 453,975 SH   SOLE   453,975 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 1,121,749 10,864,393 SH   SOLE   10,864,393 0 0
REYNOLDS AMERICAN INC COM 761713106 2,922 45,470 SH   SOLE   45,470 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 63,517 793,463 SH   SOLE   793,463 0 0
MARKET VECTORS ETF TR RETAIL ETF 57060U225 3,151 43,978 SH   SOLE   43,978 0 0
SCANA CORP NEW COM 80589M102 701 11,609 SH   SOLE   11,609 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 40,979 520,041 SH   SOLE   520,041 0 0
SMUCKER J M CO COM NEW 832696405 622 6,160 SH   SOLE   6,160 0 0
MARKET VECTORS ETF TR SEMICONDUCTOR 57060U233 6,292 115,196 SH   SOLE   115,196 0 0
SOUTHERN CO COM 842587107 3,675 74,840 SH   SOLE   74,840 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 116,358 3,065,267 SH   SOLE   3,065,267 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 751,945 3,658,389 SH   SOLE   3,658,389 0 0
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 11,014 225,938 SH   SOLE   225,938 0 0
SYSCO CORP COM 871829107 3,601 90,722 SH   SOLE   90,722 0 0
AT&T INC COM 00206R102 3,472 103,367 SH   SOLE   103,367 0 0
TARGET CORP COM 87612E106 743 9,792 SH   SOLE   9,792 0 0
SPDR SER TR BARC 1-10YRTIP 78468R861 1,937 101,630 SH   SOLE   101,630 0 0
ISHARES TR 20+ YR TR BD ETF 464287432 5,311 42,181 SH   SOLE   42,181 0 0
TIME WARNER INC COM NEW 887317303 3,041 35,603 SH   SOLE   35,603 0 0
US BANCORP DEL COM NEW 902973304 2,871 63,870 SH   SOLE   63,870 0 0
UNITED TECHNOLOGIES CORP COM 913017109 3,766 32,744 SH   SOLE   32,744 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,529 99,062 SH   SOLE   99,062 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 12,887 102,610 SH   SOLE   102,610 0 0
VANGUARD INDEX FDS REIT ETF 922908553 3,096 38,222 SH   SOLE   38,222 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 12,525 119,981 SH   SOLE   119,981 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 584 12,493 SH   SOLE   12,493 0 0
WASTE MGMT INC DEL COM 94106L109 3,762 73,306 SH   SOLE   73,306 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5,857 236,836 SH   SOLE   236,836 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 56,013 1,155,146 SH   SOLE   1,155,146 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 53,784 1,139,014 SH   SOLE   1,139,014 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,111 70,832 SH   SOLE   70,832 0 0
EXXON MOBIL CORP COM 30231G102 606 6,551 SH   SOLE   6,551 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,042 6,120 SH Put SOLE   6,120 0 0