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
Allstate Corp PFD 5.1% PREF 020002309 1,760 69,500 SH   SOLE   0 0 69,500
Barclays Bk PFD 7.75% Ser 4 PREF 06739h511 201 7,767 SH   SOLE   0 0 7,767
Goldman Sachs PFD 4% Ser D PREF 38144g804 824 41,877 SH   SOLE   0 0 41,877
Goldman Sachs PFD 6.2% Ser B PREF 38144x500 1,699 67,000 SH   SOLE   0 0 67,000
US Bancorp PFD 6% PREF 902973817 2,608 96,175 SH   SOLE   0 0 96,175
Annaly Capital Mgmt REIT 035710409 158 14,652 SH   SOLE   0 0 14,652
Health Care REIT Inc REIT 42217k106 259 3,422 SH   SOLE   0 0 3,422
Realty Income REIT 756109104 3,062 64,179 SH   SOLE   770 0 63,409
Guggenheim Spin-Off ETF 18383m605 275 6,132 SH   SOLE   0 0 6,132
iShares Barclays US TIPS ETF 464287176 2,975 26,562 SH   SOLE   0 0 26,562
iShares China 25 Index ETF 464287184 481 11,559 SH   SOLE   0 0 11,559
iShares Core S&P Mid-Cap ETF 464287507 817 5,640 SH   SOLE   0 0 5,640
iShares Core Total US Bond Mkt ETF 464287226 371 3,370 SH   SOLE   0 0 3,370
iShares Emerg Mkts Index ETF 464287234 693 17,629 SH   SOLE   3 0 17,626
iShares Floating Rate Note ETF 46429B655 2,777 54,946 SH   SOLE   0 0 54,946
iShares MBS ETF 464288588 300 2,743 SH   SOLE   0 0 2,743
iShares MSCI EAFE Small Cap In ETF 464288273 316 6,775 SH   SOLE   0 0 6,775
iShares Russell 2000 ETF 464287655 667 5,575 SH   SOLE   0 0 5,575
iShares S&P National ETF 464288414 924 8,371 SH   SOLE   0 0 8,371
iShares US Preferred Stock ETF 464288687 1,148 29,111 SH   SOLE   0 0 29,111
Mkt Vectors Biotech ETF ETF 57060u183 692 6,000 SH   SOLE   0 0 6,000
PowerShares QQQ ETF 73935a104 1,615 15,637 SH   SOLE   13 0 15,624
Powershares Senior Loan Port ETF 73936q769 583 24,281 SH   SOLE   0 0 24,281
SPDR Dow Jones Industrial Avg ETF 78467x109 926 5,203 SH   SOLE   0 0 5,203
SPDR Gold Trust ETF 78463v107 873 7,682 SH   SOLE   0 0 7,682
SPDR S&P 500 ETF 78462f103 1,323 6,436 SH   SOLE   10 0 6,426
SPDR S&P Dividend ETF ETF 78464a763 619 7,858 SH   SOLE   0 0 7,858
SPDR S&P Midcap 400 ETF 78467y107 532 2,015 SH   SOLE   0 0 2,015
Vanguard Dividend Apprec Idx ETF 921908844 458 5,639 SH   SOLE   0 0 5,639
Vanguard FTSE All-World-ex-US ETF 922042775 975 20,804 SH   SOLE   0 0 20,804
Vanguard FTSE Developed Mkt ETF 921943858 438 11,571 SH   SOLE   0 0 11,571
Vanguard FTSE Emerging Markets ETF 922042858 1,914 47,825 SH   SOLE   0 0 47,825
Vanguard REIT Index ETF 922908553 204 2,522 SH   SOLE   0 0 2,522
Vanguard S&P 500 ETF 922908363 801 4,250 SH   SOLE   0 0 4,250
Vanguard Short-Term Bond ETF 921937827 2,372 29,665 SH   SOLE   0 0 29,665
Vanguard Short-Term Corporate ETF 92206C409 4,177 52,450 SH   SOLE   154 0 52,296
Vanguard Small Cap ETF 922908751 407 3,488 SH   SOLE   0 0 3,488
Vanguard Small Cap Value ETF 922908611 523 4,942 SH   SOLE   0 0 4,942
Vanguard Total Bond Market ETF 921937835 231 2,805 SH   SOLE   3 0 2,802
Vanguard Total Stock Market ETF 922908769 7,502 70,778 SH   SOLE   0 0 70,778
3M Company COM 88579y101 20,986 127,713 SH   SOLE   0 0 127,713
A F L A C Inc COM 001055102 730 11,947 SH   SOLE   0 0 11,947
Abbott Laboratories COM 002824100 14,939 331,827 SH   SOLE   746 0 331,081
AbbVie COM 00287Y109 18,800 287,287 SH   SOLE   156 0 287,130
ACE Limited COM 037964964 619 5,390 SH   SOLE   0 0 5,390
Air Prod & Chemicals Inc COM 009158106 231 1,602 SH   SOLE   0 0 1,602
Allergan, Inc. COM 018490102 896 4,214 SH   SOLE   0 0 4,214
Altria Group Inc COM 02209s103 4,429 89,894 SH   SOLE   0 0 89,894
Amazon Inc COM 023135106 1,110 3,577 SH   SOLE   0 0 3,577
Amer Electric Pwr Co Inc COM 025537101 1,015 16,709 SH   SOLE   0 0 16,709
American Express Co COM 025816109 1,321 14,195 SH   SOLE   0 0 14,195
American Intl Group COM 026874784 2,945 52,582 SH   SOLE   0 0 52,582
American Tower Corp REIT COM 03027x100 943 9,543 SH   SOLE   0 0 9,543
Amgen Inc COM 031162100 2,945 18,489 SH   SOLE   0 0 18,489
Anheuser-Busc Inbev ADR COM 03524a108 2,583 22,995 SH   SOLE   195 0 22,800
Apple Inc. COM 037833100 27,915 252,898 SH   SOLE   722 0 252,176
AT&T Inc COM 00206R102 3,039 90,484 SH   SOLE   525 0 89,959
Auto Data Processing COM 053015103 1,569 18,824 SH   SOLE   0 0 18,824
Autozone COM 053332102 284 459 SH   SOLE   0 0 459
Bank of America Corp COM 060505104 245 13,684 SH   SOLE   0 0 13,684
Barrick Gold COM 067901108 178 16,565 SH   SOLE   0 0 16,565
Baxter Intl Inc COM 071813109 342 4,666 SH   SOLE   0 0 4,666
BB&T Corp COM 054937107 812 20,872 SH   SOLE   0 0 20,872
BCE Inc. COM 05534B760 229 5,000 SH   SOLE   0 0 5,000
Becton Dickinson & Co COM 075887109 2,212 15,897 SH   SOLE   0 0 15,897
Berkshire Hathaway B COM 084670702 16,730 111,425 SH   SOLE   227 0 111,198
Berkshire Htwy Cl A COM 084670108 1,808 8 SH   SOLE   0 0 8
BHP Billiton Ltd COM 088606108 265 5,610 SH   SOLE   0 0 5,610
Black Hills Corp COM 092113109 239 4,500 SH   SOLE   0 0 4,500
Boeing Co COM 097023105 2,643 20,332 SH   SOLE   0 0 20,332
BP Plc ADR COM 055622104 454 11,906 SH   SOLE   0 0 11,906
Bristol-Myers Squibb Co COM 110122108 8,508 144,123 SH   SOLE   0 0 144,123
C S X Corp COM 126408103 487 13,453 SH   SOLE   0 0 13,453
C V B Financial Corp COM 126600105 804 50,208 SH   SOLE   0 0 50,208
Campbell Soup Co COM 134429109 1,041 23,650 SH   SOLE   0 0 23,650
Canadian Natu Res Ltd COM 136385101 3,299 106,824 SH   SOLE   0 0 106,824
Canadian Pac Railway COM 13645T100 1,612 8,367 SH   SOLE   0 0 8,367
Caterpillar Tractor COM 149123101 5,680 62,061 SH   SOLE   0 0 62,061
CDK Global Inc COM 12508e101 251 6,154 SH   SOLE   0 0 6,154
Chevron Corporation COM 166764100 13,879 123,725 SH   SOLE   94 0 123,631
Chubb Corp COM 171232101 534 5,164 SH   SOLE   0 0 5,164
Cigna Corp COM 125509109 336 3,264 SH   SOLE   0 0 3,264
Cisco Systems Inc COM 17275r102 3,722 133,801 SH   SOLE   0 0 133,801
Citigroup Inc New COM 172967424 284 5,250 SH   SOLE   0 0 5,250
Clorox Co COM 189054109 2,654 25,468 SH   SOLE   0 0 25,468
Coca Cola Co. COM 191216100 8,136 192,693 SH   SOLE   1,000 0 191,693
Colgate-Palmolive Co COM 194162103 2,044 29,540 SH   SOLE   0 0 29,540
Conagra Foods Inc COM 205887102 458 12,621 SH   SOLE   0 0 12,621
ConocoPhillips COM 20825C104 3,132 45,347 SH   SOLE   0 0 45,347
Consolidated Edison Inc COM 209115104 252 3,814 SH   SOLE   0 0 3,814
Costco Whsl Corp COM 22160k105 5,516 38,916 SH   SOLE   0 0 38,916
Cummins Inc COM 231021106 626 4,342 SH   SOLE   0 0 4,342
CVS Caremark Corp COM 126650100 258 2,682 SH   SOLE   0 0 2,682
Deere & Co COM 244199105 4,780 54,029 SH   SOLE   0 0 54,029
Diageo PLC Adr COM 25243q205 1,251 10,968 SH   SOLE   225 0 10,743
DirecTV COM 25490A309 1,501 17,314 SH   SOLE   0 0 17,314
Disney Walt Co COM 254687106 4,845 51,442 SH   SOLE   340 0 51,102
Dollar Tree Stores COM 256746108 4,864 69,110 SH   SOLE   250 0 68,860
Dominion Res Inc COM 25746u109 339 4,408 SH   SOLE   0 0 4,408
Dow Chemical Co COM 260543103 1,427 31,286 SH   SOLE   0 0 31,286
Du Pont EI De Nemour & Co COM 263534109 2,277 30,790 SH   SOLE   0 0 30,790
Duke Energy Corp COM 26441c204 302 3,618 SH   SOLE   0 0 3,618
Ecolab Inc COM 278865100 258 2,470 SH   SOLE   0 0 2,470
Edison International COM 281020107 593 9,050 SH   SOLE   0 0 9,050
Emerson Elec. COM 291011104 8,818 142,850 SH   SOLE   300 0 142,550
Endo Intl PLC COM g30401106 7,902 109,572 SH   SOLE   0 0 109,572
Energy Transfer Partners LP COM 29273R109 328 5,046 SH   SOLE   0 0 5,046
Enterprise PRD Prtnrs LP COM 293792107 562 15,562 SH   SOLE   0 0 15,562
Esterline Technologies Corp COM 297425100 1,788 16,302 SH   SOLE   0 0 16,302
Expeditors Intl Wash Inc. COM 302130109 206 4,625 SH   SOLE   0 0 4,625
Express Scrpt Hldg COM 30219g108 281 3,317 SH   SOLE   0 0 3,317
Exxon Mobil COM 30231G102 28,188 304,901 SH   SOLE   530 0 304,371
Fedex Corp COM 31428x106 579 3,333 SH   SOLE   0 0 3,333
Firstenergy Corp COM 337932107 367 9,410 SH   SOLE   0 0 9,410
Fiserv COM 337738108 4,210 59,327 SH   SOLE   0 0 59,327
Ford Motor Co New COM 345370860 805 51,926 SH   SOLE   0 0 51,926
Freeport Mcmoran Copper COM 35671d857 321 13,721 SH   SOLE   0 0 13,721
General Dynamics Corp COM 369550108 375 2,724 SH   SOLE   0 0 2,724
General Electric Co COM 369604103 11,510 455,491 SH   SOLE   0 0 455,491
General Mills COM 370334104 2,171 40,712 SH   SOLE   229 0 40,483
Genuine Parts Co COM 372460105 1,319 12,376 SH   SOLE   0 0 12,376
Gilead Sciences Inc COM 375558103 1,232 13,075 SH   SOLE   0 0 13,075
Glaxosmithkline PLC COM 37733w105 1,616 37,800 SH   SOLE   0 0 37,800
Goldman Sachs Grp Inc COM 38141g104 843 4,350 SH   SOLE   0 0 4,350
Google Inc - Class A COM 38259P508 5,670 10,685 SH   SOLE   36 0 10,649
Google Inc - Class C COM 38259p706 6,149 11,681 SH   SOLE   36 0 11,645
Harsco Corp COM 415864107 510 27,000 SH   SOLE   0 0 27,000
Hartford Finl Svcs Grp COM 416515104 208 5,000 SH   SOLE   0 0 5,000
Hershey Co COM 427866108 604 5,813 SH   SOLE   0 0 5,813
Hewlett Packard Co COM 428236103 1,592 39,682 SH   SOLE   0 0 39,682
Home Depot Inc COM 437076102 2,282 21,742 SH   SOLE   0 0 21,742
Honeywell Intl COM 438516106 2,667 26,692 SH   SOLE   0 0 26,692
Humana Inc COM 444859102 323 2,250 SH   SOLE   0 0 2,250
Illinois Tool Works Inc COM 452308109 669 7,068 SH   SOLE   0 0 7,068
Intel Corp COM 458140100 11,428 314,895 SH   SOLE   1,495 0 313,400
Intl Business Machines COM 459200101 8,430 52,546 SH   SOLE   0 0 52,546
J.P. Morgan Chase & Co COM 46625H100 1,975 31,561 SH   SOLE   0 0 31,561
JM Smucker Co COM 832696405 2,916 28,881 SH   SOLE   0 0 28,881
Johnson & Johnson COM 478160104 27,350 261,544 SH   SOLE   598 0 260,946
Kimberly Clark Corp COM 494368103 3,454 29,891 SH   SOLE   0 0 29,891
Kinder Morgan Inc COM 49456B101 9,480 224,050 SH   SOLE   793 0 223,257
KKR & Co Lp COM 48248m102 2,333 100,529 SH   SOLE   1,000 0 99,529
Kraft Foods Grp COM 50076q106 4,291 68,486 SH   SOLE   506 0 67,980
Las Vegas Sands Corp. COM 517834107 510 8,766 SH   SOLE   0 0 8,766
Leucadia Natl Corp COM 527288104 238 10,602 SH   SOLE   0 0 10,602
Lilly Eli & Co COM 532457108 1,532 22,208 SH   SOLE   400 0 21,808
Lockheed Martin Corp COM 539830109 1,091 5,664 SH   SOLE   0 0 5,664
Lowes Companies Inc COM 548661107 2,309 33,562 SH   SOLE   0 0 33,562
Magellan Mid Stream Partners COM 559080106 241 2,914 SH   SOLE   0 0 2,914
Markel Corp COM 570535104 2,098 3,072 SH   SOLE   45 0 3,027
Mastercard Inc. COM 57636Q104 6,766 78,525 SH   SOLE   0 0 78,525
McDonalds Corp COM 580135101 6,859 73,204 SH   SOLE   416 0 72,788
Mckesson Corp COM 58155q103 218 1,050 SH   SOLE   0 0 1,050
Medtronic Inc COM 585055106 1,016 14,068 SH   SOLE   0 0 14,068
Merck & Co Inc COM 58933y105 1,238 21,795 SH   SOLE   0 0 21,795
Microsoft Corp. COM 594918104 18,603 400,497 SH   SOLE   1,966 0 398,531
Mondelez Intl Inc Cl A COM 609207105 2,751 75,721 SH   SOLE   1,300 0 74,421
Monsanto Co COM 61166w101 353 2,958 SH   SOLE   0 0 2,958
Moodys Corp COM 615369105 1,400 14,611 SH   SOLE   0 0 14,611
Motorola Solutions Inc COM 620076307 2,201 32,805 SH   SOLE   0 0 32,805
Mylan Inc COM 628530107 200 3,549 SH   SOLE   0 0 3,549
National Oilwell Varco COM 637071101 924 14,097 SH   SOLE   0 0 14,097
Nestle ADR COM 641069406 8,711 119,406 SH   SOLE   832 0 118,574
Nextera Energy Inc COM 65339f101 377 3,550 SH   SOLE   0 0 3,550
Nike Inc. Cl B COM 654106103 1,323 13,759 SH   SOLE   0 0 13,759
Nordstrom Inc COM 655664100 1,163 14,645 SH   SOLE   0 0 14,645
Norfolk Southern Corp COM 655844108 3,022 27,569 SH   SOLE   0 0 27,569
Northrop Grumman Corp COM 666807102 711 4,825 SH   SOLE   0 0 4,825
Novartis AG Spon ADR COM 66987v109 7,395 79,811 SH   SOLE   575 0 79,236
O Reilly Automotive COM 67103H107 872 4,528 SH   SOLE   0 0 4,528
Oaktree Capital Group LLC COM 674001201 1,057 20,387 SH   SOLE   0 0 20,387
Oracle Corp COM 68389x105 1,612 35,839 SH   SOLE   0 0 35,839
Paccar Inc COM 693718108 760 11,170 SH   SOLE   0 0 11,170
Paychex Inc COM 704326107 1,053 22,813 SH   SOLE   0 0 22,813
Pepsico Inc COM 713448108 11,371 120,253 SH   SOLE   250 0 120,003
Pfizer Inc COM 717081103 18,662 599,099 SH   SOLE   500 0 598,599
Philip Morris International COM 718172109 9,950 122,156 SH   SOLE   726 0 121,430
Phillips 66 COM 718546104 1,009 14,066 SH   SOLE   0 0 14,066
Plains All Amern Ppln LP COM 726503105 205 4,000 SH   SOLE   0 0 4,000
Plum Creek Timber Co REIT COM 729251108 1,527 35,694 SH   SOLE   150 0 35,544
Potash Corp Sask Inc COM 73755l107 248 7,025 SH   SOLE   0 0 7,025
PPG Industries Inc COM 693506107 519 2,244 SH   SOLE   0 0 2,244
Praxair Inc COM 74005p104 2,990 23,075 SH   SOLE   0 0 23,075
Procter & Gamble COM 742718109 285,404 3,133,205 SH   SOLE   853 0 3,132,352
Progressive Corp Ohio COM 743315103 534 19,775 SH   SOLE   0 0 19,775
Qualcomm Inc. COM 747525103 10,176 136,902 SH   SOLE   30 0 136,872
Raytheon Co COM 755111507 1,136 10,501 SH   SOLE   0 0 10,501
Regency Energy Prtn COM 75885y107 278 11,582 SH   SOLE   0 0 11,582
Roche Hldg Ltd COM 771195104 251 7,384 SH   SOLE   0 0 7,384
Ross Stores Inc COM 778296103 1,931 20,481 SH   SOLE   200 0 20,281
Royal Dutch Shell A COM 780259206 3,765 56,237 SH   SOLE   0 0 56,237
Royal Dutch Shell B ADR COM 780259107 5,547 79,748 SH   SOLE   475 0 79,273
Schlumberger Ltd COM 806857108 9,391 109,948 SH   SOLE   349 0 109,599
Sempra Energy COM 816851109 246 2,205 SH   SOLE   0 0 2,205
Sigma Aldrich Corp. COM 826552101 515 3,750 SH   SOLE   0 0 3,750
Starbucks Corp COM 855244109 518 6,315 SH   SOLE   0 0 6,315
State Street Corp COM 857477103 1,043 13,285 SH   SOLE   0 0 13,285
Sysco Corp COM 871829107 4,760 119,931 SH   SOLE   700 0 119,231
Target Corp COM 87612e106 1,202 15,841 SH   SOLE   0 0 15,841
TE Connectivity Ltd COM 043813854 353 5,575 SH   SOLE   0 0 5,575
Telefonos De Mexico COM p90413132 0 28,000 SH   SOLE   0 0 28,000
Teva Pharma Inds COM 881624209 522 9,070 SH   SOLE   0 0 9,070
Texas Instruments Inc COM 882508104 5,886 110,094 SH   SOLE   540 0 109,554
The Charles Schwab Corp COM 808513105 2,339 77,478 SH   SOLE   287 0 77,191
The Southern Co COM 842587107 1,342 27,321 SH   SOLE   190 0 27,131
TJX Cos. COM 872540109 1,127 16,430 SH   SOLE   0 0 16,430
Twenty-First Century Fox, Inc. COM 90130a200 2,150 58,285 SH   SOLE   0 0 58,285
Unilever Indonesia Tbk COM y9064h141 68 27,230 SH   SOLE   0 0 27,230
Unilever NV NY COM 904784709 1,921 49,209 SH   SOLE   0 0 49,209
Unilever PLC Adr COM 904767704 780 19,264 SH   SOLE   0 0 19,264
Union Pacific Corp COM 907818108 1,707 14,325 SH   SOLE   0 0 14,325
United Parcel Serv Cl B COM 911312106 3,010 27,076 SH   SOLE   0 0 27,076
United Technologies Corp. COM 913017109 7,984 69,427 SH   SOLE   150 0 69,277
Unitedhealth Group Inc COM 91324p102 2,198 21,747 SH   SOLE   0 0 21,747
US Bancorp COM 902973304 407 9,048 SH   SOLE   0 0 9,048
Valeant Pharm Intl New COM 91911K102 9,827 68,666 SH   SOLE   0 0 68,666
Verizon Communications COM 92343V104 6,790 145,149 SH   SOLE   596 0 144,553
Visa Inc Cl A COM 92826c839 5,282 20,145 SH   SOLE   0 0 20,145
Vodafone Group COM 92857w308 1,656 48,455 SH   SOLE   616 0 47,839
Wal-Mart Stores Inc COM 931142103 2,309 26,891 SH   SOLE   0 0 26,891
Walgreen Boots Alliance Inc COM 931427108 2,635 34,585 SH   SOLE   0 0 34,585
Waste Management Inc COM 94106l109 784 15,280 SH   SOLE   400 0 14,880
Wells Fargo & Co COM 949746101 8,061 147,053 SH   SOLE   0 0 147,053
Weyerhaeuser Co COM 962166104 1,823 50,807 SH   SOLE   0 0 50,807
Willis Group Hldgs COM g96666105 4,771 106,481 SH   SOLE   0 0 106,481
Wolverine World Wide Inc COM 978097103 300 10,187 SH   SOLE   0 0 10,187
Yahoo Inc COM 984332106 3,739 74,027 SH   SOLE   0 0 74,027
Zimmer Hldgs Inc COM 98956p102 1,370 12,080 SH   SOLE   0 0 12,080