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 LABORATORIES None 002824100 3,079 74,031 SH   SOLE   74,031 0 0
AUTOMATIC DATA PROCESSING INC None 053015103 2,812 38,580 SH   SOLE   38,580 0 0
AFLAC INC AFLAC INC 001055102 3,186 54,693 SH   SOLE   54,693 0 0
iShares Core U.S. Aggregate Bond ETF ISHARES CORE U.S. AGGREGATE 464287226 68,544 628,211 SH   SOLE   628,211 0 0
AIR PRODUCTS & CHEM None 009158106 225 1,727 SH   SOLE   1,727 0 0
APTARGROUP INC APTARGROUP INC 038336103 2,965 48,846 SH   SOLE   48,846 0 0
PowerShares Build America Bond Portfolio POWERSHARES BUILD AMRICA BND 73937B407 1,029 34,710 SH   SOLE   34,710 0 0
Vanguard Intermediate-Term Bond ETF VANGUARD INTERMEDIATE-TERM B 921937819 9,261 109,915 SH   SOLE   109,915 0 0
PowerShares Senior Loan Portfolio POWERSHARES SENIOR LOAN 73936Q769 8,634 355,618 SH   SOLE   355,618 0 0
Vanguard Long-Term Bond ETF VANGUARD LONG-TERM BOND ETF 921937793 19,282 213,697 SH   SOLE   213,697 0 0
Vanguard Total International Bond ETF VANGUARD TOTAL INTL BOND ETF 92203J407 25,394 487,316 SH   SOLE   487,316 0 0
BROWN & BROWN INC None 115236101 2,937 91,340 SH   SOLE   91,340 0 0
Vanguard Short-Term Bond ETF VANGUARD SHORT-TERM BOND ETF 921937827 44,454 555,195 SH   SOLE   555,195 0 0
COMMERCE BANCSHARES INC None 200525103 3,099 69,424 SH   SOLE   69,424 0 0
iShares Intermediate Credit Bond ETF ISHARES INTERMEDIATE CREDIT 464288638 12,128 110,951 SH   SOLE   110,951 0 0
CLOROX CO DEL CLOROX COMPANY 189054109 246 2,558 SH   SOLE   2,558 0 0
iShares 10+ Year Credit Bond ETF ISHARES 10+ YEAR CREDIT BOND 464289511 218 3,643 SH   SOLE   3,643 0 0
CME GROUP INC CME GROUP INC 12572Q105 242 3,026 SH   SOLE   3,026 0 0
CONOCOPHILLIPS CONOCOPHILLIPS 20825C104 3,070 40,116 SH   SOLE   40,116 0 0
COSTCO WHOLESALE CORP None 22160K105 2,960 23,616 SH   SOLE   23,616 0 0
iShares 1-3 Year Credit Bond ETF ISHARES 1-3 YEAR CREDIT BOND 464288646 28,508 270,783 SH   SOLE   270,783 0 0
CHEVRON CORP NEW CHEVRON CORP 166764100 3,076 25,783 SH   SOLE   25,783 0 0
DOMINION RESOURCES INC VA NEW None 25746U109 2,994 43,342 SH   SOLE   43,342 0 0
Deutsche X-trackers MSCI EAFE Hedged Equity ETF DEUTSCHE X-TRACKERS MSCI EAF 233051200 984 35,475 SH   SOLE   35,475 0 0
SPDR Dow Jones Industrial Average ETF Trust SPDR DJIA TRUST 78467X109 103,346 607,665 SH   SOLE   607,665 0 0
WisdomTree Japan Hedged Equity Fund WISDOMTREE JAPAN HEDGED EQ 97717W851 4,186 80,015 SH   SOLE   80,015 0 0
ECOLAB INC None 278865100 2,898 25,241 SH   SOLE   25,241 0 0
iShares MSCI Emerging Markets ETF ISHARES MSCI EMERGING MARKET 464287234 977 23,519 SH   SOLE   23,519 0 0
iShares MSCI EAFE ETF ISHARES MSCI EAFE ETF 464287465 1,977 30,833 SH   SOLE   30,833 0 0
EMERSON ELECTRIC CO None 291011104 3,120 49,859 SH   SOLE   49,859 0 0
ENTERGY CORP NEW ENTERGY CORP 29364G103 235 3,035 SH   SOLE   3,035 0 0
EATON VANCE CORP NON-VOTING None 278265103 3,178 84,236 SH   SOLE   84,236 0 0
iShares Floating Rate Bond ETF ISHARES FLOATING RATE BOND E 46429B655 34,305 674,891 SH   SOLE   674,891 0 0
First Trust US IPO Index Fund FIRST TRUST US IPO INDEX FUN 336920103 9,332 194,056 SH   SOLE   194,056 0 0
GENERAL DYNAMICS CRP GENERAL DYNAMICS CORP 369550108 234 1,840 SH   SOLE   1,840 0 0
GENERAL MILLS INC None 370334104 3,155 62,533 SH   SOLE   62,533 0 0
GENUINE PARTS CO GENUINE PARTS CO 372460105 3,173 36,172 SH   SOLE   36,172 0 0
GRAINGER W W INC None 384802104 2,970 11,804 SH   SOLE   11,804 0 0
WisdomTree Europe Hedged Equity Fund WISDOMTREE EUROPE HEDGED EQU 97717X701 2,962 51,272 SH   SOLE   51,272 0 0
HARRIS CORP DEL None 413875105 3,096 46,633 SH   SOLE   46,633 0 0
iShares iBoxx $ High Yield Corporate Bond ETF ISHARES IBOXX HIGH YIELD COR 464288513 8,725 94,884 SH   SOLE   94,884 0 0
iShares Nasdaq Biotechnology ETF ISHARES NASDAQ BIOTECHNOLOGY 464287556 9,745 35,615 SH   SOLE   35,615 0 0
INTL BUSINESS MACH INTL BUSINESS MACHINES CORP 459200101 3,142 16,551 SH   SOLE   16,551 0 0
iShares 7-10 Year Treasury Bond ETF ISHARES 7-10 YEAR TREASURY B 464287440 17,950 173,230 SH   SOLE   173,230 0 0
iShares Core MSCI EAFE ETF ISHARES CORE MSCI EAFE ETF 46432F842 336,317 5,774,666 SH   SOLE   5,774,666 0 0
iShares 3-7 Year Treasury Bond ETF ISHARES 3-7 YEAR TREASURY BO 464288661 24,074 198,431 SH   SOLE   198,431 0 0
iShares Core S&P Mid-Cap ETF ISHARES CORE S&P MIDCAP ETF 464287507 3,590 26,257 SH   SOLE   26,257 0 0
None ISHARES S&P SMALLCAP 600 464287804 228,655 2,192,284 SH   SOLE   2,192,284 0 0
INTEL CORP INTEL CORP 458140100 228 6,559 SH   SOLE   6,559 0 0
Market Vectors Intermediate Municipal ETF MARKET VECTORS INTERMEDIATE 57060U845 219 9,321 SH   SOLE   9,321 0 0
ILLINOIS TOOL WORKS ILLINOIS TOOL WORKS 452308109 3,079 36,470 SH   SOLE   36,470 0 0
iShares Core S&P 500 ETF ISHARES CORE S&P 500 ETF 464287200 956,469 4,824,318 SH   SOLE   4,824,318 0 0
iShares Russell 1000 Value ETF ISHARES RUSSELL 1000 VALUE E 464287598 9,405 93,966 SH   SOLE   93,966 0 0
JOHNSON & JOHNSON JOHNSON & JOHNSON 478160104 3,169 29,728 SH   SOLE   29,728 0 0
JPMORGAN CHASE & CO JPMORGAN CHASE & CO 46625H100 233 3,869 SH   SOLE   3,869 0 0
KELLOGG COMPANY None 487836108 3,152 51,161 SH   SOLE   51,161 0 0
KIMBERLY CLARK CORP None 494368103 220 2,131 SH   SOLE   2,131 0 0
COCA COLA CO COCA-COLA CO/THE 191216100 235 5,504 SH   SOLE   5,504 0 0
LILLY ELI & CO ELI LILLY & CO 532457108 3,151 48,582 SH   SOLE   48,582 0 0
LOCKHEED MARTIN CORP None 539830109 3,260 17,834 SH   SOLE   17,834 0 0
iShares iBoxx $ Investment Grade Corporate Bond ETF ISHARES IBOXX INVESTMENT GRA 464287242 34,990 295,972 SH   SOLE   295,972 0 0
MATTEL INC MATTEL INC 577081102 203 6,613 SH   SOLE   6,613 0 0
iShares MBS ETF ISHARES MBS ETF 464288588 22,733 210,273 SH   SOLE   210,273 0 0
MCDONALDS CORP MCDONALDS CORP 580135101 3,229 34,057 SH   SOLE   34,057 0 0
M D U RES GROUP INC None 552690109 206 7,398 SH   SOLE   7,398 0 0
Vanguard Mega Cap Growth ETF VANGUARD MEGA CAP GROWTH ETF 921910816 2,131 27,400 SH   SOLE   27,400 0 0
MCCORMICK & CO INC NON VTG None 579780206 2,941 43,964 SH   SOLE   43,964 0 0
Market Vectors Long Municipal Index ETF MARKET VECTORS LONG MUNICIP 57060U886 710 36,330 SH   SOLE   36,330 0 0
3M COMPANY 3M CO 88579Y101 225 1,589 SH   SOLE   1,589 0 0
ALTRIA GROUP INC None 02209S103 243 5,286 SH   SOLE   5,286 0 0
MERCK & CO INC NEW COM MERCK & CO. INC. 58933Y105 3,124 52,693 SH   SOLE   52,693 0 0
MICROSOFT CORP MICROSOFT CORP 594918104 3,155 68,058 SH   SOLE   68,058 0 0
NEXTERA ENERGY INC COM None 65339F101 222 2,364 SH   SOLE   2,364 0 0
NATIONAL FUEL GAS CO None 636180101 2,902 41,462 SH   SOLE   41,462 0 0
NORFOLK SOUTHERN CRP None 655844108 3,200 28,673 SH   SOLE   28,673 0 0
NORTHEAST UTILITIES None 664397106 3,134 70,736 SH   SOLE   70,736 0 0
iShares S&P 100 ETF ISHARES S&P 100 ETF 464287101 9,530 108,096 SH   SOLE   108,096 0 0
PAYCHEX INC None 704326107 239 5,418 SH   SOLE   5,418 0 0
PEPSICO INC PEPSICO INC 713448108 231 2,486 SH   SOLE   2,486 0 0
iShares US Preferred Stock ETF ISHARES US PREFERRED STOCK E 464288687 784 19,850 SH   SOLE   19,850 0 0
PROCTER & GAMBLE CO PROCTER & GAMBLE CO/THE 742718109 3,159 37,727 SH   SOLE   37,727 0 0
POLARIS INDS INC None 731068102 3,015 20,129 SH   SOLE   20,129 0 0
PIEDMONT NATURAL GAS CO N C None 720186105 211 6,292 SH   SOLE   6,292 0 0
First Trust NASDAQ-100 Equal Weighted Index Fund FIRST TRUST NASDQ 100 EQ WEI 337344105 14,473 361,272 SH   SOLE   361,272 0 0
Powershares QQQ Trust Series 1 POWERSHARES QQQ TRUST SERIES 73935A104 16,088 162,851 SH   SOLE   162,851 0 0
REYNOLDS AMERN INC None 761713106 3,035 51,444 SH   SOLE   51,444 0 0
Guggenheim S&P 500 Equal Weight ETF GUGGENHEIM S&P 500 EQUAL WEI 78355W106 10,205 134,649 SH   SOLE   134,649 0 0
ProShares Short Russell2000 PROSHARES SHORT RUSSELL2000 74347R826 2,173 126,480 SH   SOLE   126,480 0 0
SCANA CORP NEW SCANA CORP 80589M102 224 4,508 SH   SOLE   4,508 0 0
iShares 1-3 Year Treasury Bond ETF ISHARES 1-3 YEAR TREASURY BO 464287457 4,443 52,568 SH   SOLE   52,568 0 0
SMUCKER J M CO NEW None 832696405 222 2,240 SH   SOLE   2,240 0 0
SOUTHERN CO None 842587107 3,188 73,033 SH   SOLE   73,033 0 0
SPDR S&P 500 ETF Trust SPDR S&P 500 ETF TRUST 78462F103 4,752 24,120 SH   SOLE   24,120 0 0
SYSCO CORP None 871829107 3,226 85,017 SH   SOLE   85,017 0 0
AT&T INC COM AT&T INC 00206R102 3,182 90,297 SH   SOLE   90,297 0 0
TARGET CORP TARGET CORP 87612E106 239 3,812 SH   SOLE   3,812 0 0
SPDR Barclays 1-10 Year TIPS ETF SPDR BARCLAYS 1-10 YEAR TIPS 78468R861 1,826 93,638 SH   SOLE   93,638 0 0
iShares 20+ Year Treasury Bond ETF ISHARES 20+ YEAR TREASURY BO 464287432 3,052 26,252 SH   SOLE   26,252 0 0
TIME WARNER INC NEW COM NEW TIME WARNER INC 887317303 2,942 39,123 SH   SOLE   39,123 0 0
US BANCORP DEL COM NEW US BANCORP 902973304 2,691 64,341 SH   SOLE   64,341 0 0
UNITED TECHNOLOGIES CORP UNITED TECHNOLOGIES CORP 913017109 3,149 29,821 SH   SOLE   29,821 0 0
Vanguard Intermediate-Term Corporate Bond ETF VANGUARD INT-TERM CORPORATE 92206C870 8,653 100,886 SH   SOLE   100,886 0 0
Vanguard Health Care ETF VANGUARD HEALTH CARE ETF 92204A504 2,121 18,130 SH   SOLE   18,130 0 0
Vanguard Growth ETF VANGUARD GROWTH ETF 922908736 8,515 85,431 SH   SOLE   85,431 0 0
VERIZON COMMUNICATIONS VERIZON COMMUNICATIONS INC 92343V104 232 4,642 SH   SOLE   4,642 0 0
WASTE MANAGEMENT INC None 94106L109 3,227 67,890 SH   SOLE   67,890 0 0
None MATERIALS SELECT SECTOR SPDR 81369Y100 6,899 139,119 SH   SOLE   139,119 0 0
Technology Select Sector SPDR Fund TECHNOLOGY SELECT SECT SPDR 81369Y803 2,143 53,710 SH   SOLE   53,710 0 0
Consumer Staples Select Sector SPDR Fund CONSUMER STAPLES SPDR 81369Y308 119,660 2,652,619 SH   SOLE   2,652,619 0 0
EXXON MOBIL CORP EXXON MOBIL CORP 30231G102 220 2,334 SH   SOLE   2,334 0 0
SPDR S&P 500 ETF Trust SPDR S&P 500 ETF TRUST 78462F103 1,820 4,740 SH Put SOLE   4,740 0 0