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
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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 Corp. COM 88579Y101 678 4,498 SH   SOLE   4,488 0 10
AT&T COM 00206r102 1,868 54,291 SH   SOLE   51,573 0 2,718
Aaron's, Inc. COM 002535300 457 20,393 SH   SOLE   20,393 0 0
Abbott Labs COM 002824100 2,437 54,262 SH   SOLE   52,715 0 1,547
American Electric Power Co. COM 025537101 766 13,140 SH   SOLE   13,100 0 40
American Tower Corp COM 03027x100 298 3,076 SH   SOLE   2,766 0 310
Apple Computer Corp. COM 037833100 5,524 52,478 SH   SOLE   50,689 0 1,789
Bank of New York Co. Inc COM 064058100 436 10,574 SH   SOLE   10,574 0 0
Bed Bath & Beyond COM 075896100 1,026 21,260 SH   SOLE   21,260 0 0
Berkshire Hathaway Cl B COM 084670702 3,635 27,531 SH   SOLE   26,515 0 1,016
Blackrock, Inc. COM 09247x101 820 2,408 SH   SOLE   2,398 0 10
CVS Corp Del COM 126650100 3,635 37,174 SH   SOLE   36,189 0 985
Cabot Oil & Gas Corp COM 127097103 1,133 64,064 SH   SOLE   63,594 0 470
Charles Schwab Corp COM 808513105 3,601 109,350 SH   SOLE   106,130 0 3,220
Chevron Texaco Corp. COM 166764100 2,959 32,897 SH   SOLE   32,606 0 291
Cisco Systems Inc. COM 17275R102 659 24,277 SH   SOLE   24,202 0 75
Clorox Co. COM 189054109 241 1,897 SH   SOLE   1,867 0 30
Coca Cola COM 191216100 1,663 38,706 SH   SOLE   38,616 0 90
Comcast Corp COM 20030n101 3,202 56,744 SH   SOLE   55,344 0 1,400
ConocoPhillips COM 20825C104 737 15,789 SH   SOLE   15,729 0 60
Consumer Staples Select Sector COM 81369Y308 236 4,675 SH   SOLE   4,675 0 0
Costco Whsl Group COM 22160K105 1,341 8,302 SH   SOLE   7,972 0 330
Danaher Corp Del COM 235851102 3,304 35,568 SH   SOLE   33,996 0 1,572
Deutsche MSCI All World ex-U.S COM 233051820 4,908 212,180 SH   SOLE   209,500 0 2,680
Deutsche X-Trackers MSCI EAFE COM 233051200 2,372 87,323 SH   SOLE   86,893 0 430
DuPont E I De Nemour & Co COM 263534109 417 6,257 SH   SOLE   6,257 0 0
Duke Energy COM 26441c204 1,049 14,696 SH   SOLE   14,661 0 35
EOG Resources Inc. COM 26875p101 1,340 18,926 SH   SOLE   18,766 0 160
Ebay Inc COM 278642103 831 30,229 SH   SOLE   29,029 0 1,200
Emerson Electric COM 291011104 931 19,457 SH   SOLE   19,402 0 55
Energy Select Sector - SPDR COM 81369Y506 1,606 26,619 SH   SOLE   26,384 0 235
Express Scripts Inc. COM 30219g108 2,058 23,542 SH   SOLE   22,912 0 630
Exxon Mobil COM 30231G102 1,729 22,179 SH   SOLE   22,154 0 25
Financial Select Sector - SPDR COM 81369Y605 4,528 189,995 SH   SOLE   188,040 0 1,955
Ford Motor COM 345370860 567 40,250 SH   SOLE   40,110 0 140
General Electric COM 369604103 534 17,154 SH   SOLE   14,904 0 2,250
Genuine Parts COM 372460105 625 7,281 SH   SOLE   7,256 0 25
Guggenheim S&P Equal Weight He COM 78355w841 254 1,655 SH   SOLE   1,655 0 0
Guggenheim S&P Equal Weight In COM 78355w833 4,501 54,255 SH   SOLE   53,565 0 690
HD Supply Holdings COM 40416m105 661 22,000 SH   SOLE   22,000 0 0
HomeDepot COM 437076102 2,446 18,497 SH   SOLE   18,497 0 0
IBM COM 459200101 1,012 7,352 SH   SOLE   7,337 0 15
Intel COM 458140100 3,969 115,198 SH   SOLE   112,867 0 2,331
JP Morgan Chase & Co. COM 46625H100 5,888 89,168 SH   SOLE   87,139 0 2,029
Johnson & Johnson COM 478160104 5,820 56,662 SH   SOLE   55,382 0 1,280
MSCI Emerging Markets Min Vol COM 464286533 642 13,185 SH   SOLE   13,185 0 0
MSCI Switzerland - iShares COM 464286749 374 12,040 SH   SOLE   12,040 0 0
Market Vectors Pharmaceutical COM 57060u217 3,936 60,272 SH   SOLE   58,722 0 1,550
Merck & Co. Inc. Newcom COM 58933Y105 1,274 24,120 SH   SOLE   24,050 0 70
Microsoft Corp. COM 594918104 1,473 26,554 SH   SOLE   24,464 0 2,090
Mkt Vectors Biotech ETF COM 57060u183 3,200 25,206 SH   SOLE   24,448 0 758
Monsanto Corp. COM 61166W101 1,274 12,930 SH   SOLE   12,545 0 385
NextEra Energy COM 65339f101 2,593 24,963 SH   SOLE   24,068 0 895
Novartis ADR COM 66987V109 1,024 11,897 SH   SOLE   11,872 0 25
Oracle Corp. COM 68389X105 2,236 61,205 SH   SOLE   59,545 0 1,660
Paychex COM 704326107 1,044 19,746 SH   SOLE   19,691 0 55
Paypal Holdings COM 70450y103 1,138 31,439 SH   SOLE   30,239 0 1,200
PepsiCo Inc. COM 713448108 4,257 42,602 SH   SOLE   41,407 0 1,195
Philip Morris Intl Inc. COM 718172109 1,123 12,773 SH   SOLE   11,868 0 905
Polaris Industries COM 731068102 534 6,210 SH   SOLE   6,210 0 0
Potash Corp. of Saskatchewan COM 73755L107 594 34,695 SH   SOLE   34,605 0 90
Praxair Inc. COM 74005p104 625 6,106 SH   SOLE   6,091 0 15
Procter & Gamble COM 742718109 1,624 20,448 SH   SOLE   20,448 0 0
Qualcomm COM 747525103 2,584 51,705 SH   SOLE   50,674 0 1,031
Raytheon COM 755111507 4,808 38,612 SH   SOLE   37,807 0 805
Russell Mid-Cap Growth - iShar COM 464287481 351 3,817 SH   SOLE   1,607 0 2,210
Russell Mid-Cap Index Fund - i COM 464287499 3,390 21,166 SH   SOLE   21,076 0 90
S&P Depository Receipts ETF COM 78462F103 1,367 6,703 SH   SOLE   4,061 0 2,642
Scana COM 80589M102 933 15,432 SH   SOLE   13,982 0 1,450
Schlumberger Ltd COM 806857108 1,616 23,170 SH   SOLE   22,955 0 215
Schwab Emerging Markets COM 808524706 2,088 107,030 SH   SOLE   106,595 0 435
Schwab International Equity COM 808524805 236 8,545 SH   SOLE   8,545 0 0
Schwab Intl Small Cap COM 808524888 1,268 43,992 SH   SOLE   43,842 0 150
Schwab U.S. Large Cap COM 808524201 11,539 237,570 SH   SOLE   227,365 0 10,205
Schwab U.S. Mid-Cap COM 808524508 8,000 199,662 SH   SOLE   197,367 0 2,295
Southern Company COM 842587107 840 17,955 SH   SOLE   17,905 0 50
Spectra Energy COM 847560109 680 28,385 SH   SOLE   28,385 0 0
Starbucks Inc. COM 855244109 369 6,142 SH   SOLE   6,142 0 0
TJX Co Inc. COM 872540109 3,773 53,211 SH   SOLE   51,243 0 1,968
Target Corp. COM 87612e106 592 8,148 SH   SOLE   7,598 0 550
The Walt Disney Company COM 254687106 5,172 49,216 SH   SOLE   47,905 0 1,311
Thermo Fisher Scientific COM 883556102 1,996 14,071 SH   SOLE   13,546 0 525
Toronto Dominion Bank COM 891160509 936 23,890 SH   SOLE   23,830 0 60
Toyota Motor CP ADR New COM 892331307 284 2,311 SH   SOLE   2,311 0 0
U.S. Bancorp New COM 902973304 3,213 75,290 SH   SOLE   72,968 0 2,322
UPS COM 911312106 1,054 10,953 SH   SOLE   9,933 0 1,020
Union Pacific Corp COM 907818108 2,411 30,833 SH   SOLE   29,420 0 1,413
Vanguard Consumer Discretionar COM 92204a108 3,218 26,262 SH   SOLE   26,017 0 245
Vanguard Dividend Appreciation COM 921908844 278 3,572 SH   SOLE   3,572 0 0
Vanguard Energy ETF COM 92204a306 526 6,325 SH   SOLE   6,325 0 0
Vanguard FTSE Developed Market COM 921943858 3,265 88,908 SH   SOLE   87,533 0 1,375
Vanguard FTSE International Eq COM 922042775 292 6,726 SH   SOLE   6,516 0 210
Vanguard High Dividend Yield I COM 921946406 1,157 17,335 SH   SOLE   17,335 0 0
Vanguard Industrials COM 92204a603 949 9,393 SH   SOLE   9,393 0 0
Vanguard Information Technolog COM 92204a702 5,356 49,459 SH   SOLE   48,934 0 525
Vanguard Materials COM 92204a801 3,346 35,529 SH   SOLE   35,118 0 411
Vanguard S&P 500 COM 922908363 230 1,232 SH   SOLE   1,232 0 0
Vanguard Total Stock Market ET COM 922908769 877 8,413 SH   SOLE   8,323 0 90
Verizon Communications COM 92343V104 4,111 88,952 SH   SOLE   87,144 0 1,808
Wells Fargo New COM 949746101 2,984 54,899 SH   SOLE   54,824 0 75
Wisdom Tree Japan Hedged Equit COM 97717w851 3,948 78,840 SH   SOLE   78,098 0 742
WisdomTree Europe Hedged Equit COM 97717x701 3,988 74,120 SH   SOLE   73,190 0 930
YUM! Brands COM 988498101 774 10,596 SH   SOLE   10,566 0 30
iShares MSCI ACWI ex-US COM 464288240 8,785 221,784 SH   SOLE   220,914 0 870
Realty Income Corp. REL 756109104 5,251 101,696 SH   SOLE   99,815 0 1,881
Vanguard Global ex-US Real Est REL 922042676 708 13,855 SH   SOLE   13,745 0 110
Vanguard REIT ETF REL 922908553 559 7,009 SH   SOLE   6,959 0 50
Powershares DB US Dollar Bulli OAS 73936d107 4,767 185,860 SH   SOLE   184,590 0 1,270