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 COM 002824100 321 7,146 SH   SOLE   175 0 6,971
AbbVie Inc COM 00287Y109 231 3,905 SH   SOLE   0 0 3,905
AFLAC Inc COM 001055102 1,226 20,467 SH   SOLE   19,300 0 1,167
AllianceBernstein Holding LP COM 01881G106 299 12,537 SH   SOLE   12,537 0 0
Allstate Corporation COM 020002101 1,394 22,449 SH   SOLE   22,306 0 143
Alon USA Partners LP COM 02052T109 822 35,374 SH   SOLE   35,374 0 0
Altria Group Inc COM 02209S103 214 3,678 SH   SOLE   307 0 3,371
American Equity Investment Lif COM 025676206 651 27,094 SH   SOLE   26,875 0 219
American Tower REIT COM 03027X100 219 2,255 SH   SOLE   2,255 0 0
Amgen Inc COM 031162100 514 3,166 SH   SOLE   0 0 3,166
Apple Inc COM 037833100 3,857 36,640 SH   SOLE   33,946 0 2,694
AT&T Inc COM 00206R102 801 23,283 SH   SOLE   22,979 0 304
Automatic Data Processing COM 053015103 621 7,328 SH   SOLE   200 0 7,128
AutoZone Inc COM 053332102 278 375 SH   SOLE   0 0 375
Berkshire Hathaway Inc CL B COM 084670702 461 3,495 SH   SOLE   142 0 3,353
Berkshire Hills Bancorp Inc COM 084680107 495 16,991 SH   SOLE   16,991 0 0
Best Doctors Inc COM 086998119 0 10,557 SH   SOLE   10,557 0 0
Bristol Myers Squibb Co COM 110122108 572 8,311 SH   SOLE   193 0 8,118
Buckeye Partners LP COM 118230101 1,187 18,000 SH   SOLE   0 0 18,000
Business Development Co COM 12325J101 1,763 158,132 SH   SOLE   158,132 0 0
Capital One Financial Corp COM 14040H105 387 5,355 SH   SOLE   0 0 5,355
Caviton Energy Systems Inc COM BEK996500 0 19,160 SH   SOLE   0 0 19,160
Chicago Bridge & Iron Company COM 167250109 234 6,000 SH   SOLE   6,000 0 0
Cisco Systems Inc COM 17275R102 254 9,336 SH   SOLE   8,461 0 875
Citigroup Inc COM 172967424 937 18,100 SH   SOLE   18,100 0 0
Clorox Corporation COM 189054109 768 6,056 SH   SOLE   6,056 0 0
Cognizant Technology Solutions COM 192446102 1,155 19,239 SH   SOLE   19,239 0 0
Colonial BancGroup Inc COM 195493309 0 24,925 SH   SOLE   24,925 0 0
Comcast Corporation COM 20030N101 201 3,571 SH   SOLE   0 0 3,571
Corning Incorporated COM 219350105 338 18,475 SH   SOLE   715 0 17,760
Dycom Industries Inc COM 267475101 4,062 58,066 SH   SOLE   58,066 0 0
Eli Lilly & Company COM 532457108 444 5,273 SH   SOLE   0 0 5,273
Enterprise Products Partners L COM 293792107 2,045 79,962 SH   SOLE   958 0 79,004
Exxon Mobil Corporation COM 30231G102 733 9,409 SH   SOLE   2,945 0 6,464
General Electric Company COM 369604103 580 18,635 SH   SOLE   5,774 0 12,861
Gildan Activewear, Inc. COM 375916103 1,401 49,289 SH   SOLE   49,289 0 0
Global Net Lease, Inc. COM 379378102 390 49,032 SH   SOLE   49,032 0 0
Golden Arch Resources Ltd. COM 38079K101 0 23,000 SH   SOLE   0 0 23,000
Goldman Sachs Group Inc COM 38141G104 721 4,000 SH   SOLE   0 0 4,000
Holly Energy Partners LP COM 435763107 249 8,000 SH   SOLE   0 0 8,000
Home Depot Incorporated COM 437076102 3,548 26,828 SH   SOLE   24,095 0 2,733
Hormel Foods Corp COM 440452100 231 2,927 SH   SOLE   0 0 2,927
Intellitar Inc Series A Pfd COM 458998663 0 12,000 SH   SOLE   12,000 0 0
International Business Machine COM 459200101 557 4,047 SH   SOLE   21 0 4,026
Investors Bancorp Incorporated COM 46146L101 176 14,159 SH   SOLE   14,159 0 0
iShares MSCI Emerging Markets COM 464287234 444 13,786 SH   SOLE   0 0 13,786
iShares Russell 2000 Index COM 464287655 1,362 12,095 SH   SOLE   585 0 11,510
iShares S&P U.S. Preferred Sto COM 464288687 815 20,968 SH   SOLE   20,054 0 914
J. C. Penney Company, Inc. COM 708160106 360 54,000 SH   SOLE   0 0 54,000
Johnson & Johnson Company COM 478160104 434 4,228 SH   SOLE   1,106 0 3,122
Kimberly-Clark Corp COM 494368103 294 2,309 SH   SOLE   300 0 2,009
L-3 Communications Holdings In COM 502424104 536 4,481 SH   SOLE   4,481 0 0
Luxoft Holding Inc COM G57279104 523 6,784 SH   SOLE   6,784 0 0
Magellan Midstream Partners LP COM 559080106 1,099 16,181 SH   SOLE   181 0 16,000
Micron Technology Inc. COM 595112103 752 53,124 SH   SOLE   53,124 0 0
Microsoft Corporation COM 594918104 266 4,802 SH   SOLE   352 0 4,450
Mondelez International, Inc COM 609207105 214 4,776 SH   SOLE   2,000 0 2,776
NextEra Energy, Inc. COM 65339F101 361 3,477 SH   SOLE   237 0 3,240
Novo Nordisk A/S COM 670100205 314 5,410 SH   SOLE   60 0 5,350
ONEOK Partners, L.P. COM 68268N103 392 13,000 SH   SOLE   0 0 13,000
PC Connection Inc COM 69318J100 817 36,089 SH   SOLE   36,089 0 0
Pepsico Inc COM 713448108 1,263 12,636 SH   SOLE   159 0 12,477
Pfizer Inc COM 717081103 489 15,159 SH   SOLE   930 0 14,229
Phillips Van Heusen Corp. COM 693656100 563 7,650 SH   SOLE   7,630 0 20
Plum Creek Timber Co Inc COM 729251108 453 9,500 SH   SOLE   0 0 9,500
PowerShares Buyback Achievers COM 73935X286 250 5,500 SH   SOLE   0 0 5,500
Principal Financial Group Inc COM 74251V102 1,233 27,413 SH   SOLE   27,413 0 0
ProAssurance Corp COM 74267C106 590 12,156 SH   SOLE   12,156 0 0
Procter & Gamble Co COM 742718109 426 5,362 SH   SOLE   3,793 0 1,569
Reynolds American Inc COM 761713106 995 21,556 SH   SOLE   21,167 0 389
Rollins Inc COM 775711104 1,007 38,870 SH   SOLE   38,870 0 0
Rolls-Royce Holdings plc COM G76225112 0 380,540 SH   SOLE   380,540 0 0
Ross Stores Inc COM 778296103 2,155 40,056 SH   SOLE   39,967 0 89
Royal Bank of Canada COM 780087102 1,924 35,906 SH   SOLE   35,906 0 0
Rydex S&P Equal Weight COM 78355W106 581 7,583 SH   SOLE   0 0 7,583
ServisFirst Bancshares Inc COM 81768T108 214 4,506 SH   SOLE   4,506 0 0
SPDR Gold Trust ETF COM 78463V107 285 2,809 SH   SOLE   273 0 2,536
SPDR S&P 500 ETF COM 78462F103 2,032 9,967 SH   SOLE   7,497 0 2,470
Synchronoss Technologies Inc COM 87157B103 794 22,533 SH   SOLE   22,533 0 0
SYSCO Corporation COM 871829107 248 6,048 SH   SOLE   158 0 5,890
Target Corporation COM 87612E106 641 8,828 SH   SOLE   0 0 8,828
Teradyne Inc COM 880770102 232 11,200 SH   SOLE   11,200 0 0
Texas Instruments Inc COM 882508104 212 3,862 SH   SOLE   1,051 0 2,811
The Coca-Cola Company COM 191216100 690 16,073 SH   SOLE   6,942 0 9,131
The KEYW Holding Corporation COM 493723100 484 80,368 SH   SOLE   0 0 80,368
The Walt Disney Company COM 254687106 788 7,496 SH   SOLE   1,950 0 5,546
Time Warner Cable Inc. COM 88732J207 437 2,353 SH   SOLE   0 0 2,353
United Technologies Corp COM 913017109 374 3,892 SH   SOLE   60 0 3,832
UTG, Inc. COM 293747341 321 21,739 SH   SOLE   0 0 21,739
Utilities SPDR ETF COM 81369Y886 616 14,231 SH   SOLE   1,897 0 12,334
Vanguard Total Stock Market ET COM 922908769 253 2,424 SH   SOLE   95 0 2,329
VEREIT, Inc. COM 92339V100 298 37,580 SH   SOLE   37,580 0 0
Verizon Communications Inc. COM 92343V104 305 6,595 SH   SOLE   2,578 0 4,017
Visa Inc COM 92826C839 450 5,803 SH   SOLE   5,580 0 223
Wells Fargo & Company COM 949746101 558 10,274 SH   SOLE   5,691 0 4,583
Westamerica Bancorp. COM 957090103 398 8,523 SH   SOLE   8,523 0 0
Westlake Chemical Corp. COM 960413102 1,005 18,498 SH   SOLE   18,498 0 0
VEREIT Series F Pfd, 6.7% PFD 92339V209 873 35,475 SH   SOLE   35,475 0 0
Consumer Discret Select Sector COM 81369Y407 612 7,830 SH   SOLE   1,042 0 6,788
Consumer Staples Select Sector COM 81369Y308 821 16,266 SH   SOLE   5,316 0 10,950
Deutsche X-trackers MSCI EAFE COM 233051200 401 14,775 SH   SOLE   0 0 14,775
First Trust Consumer Discretio COM 33734X101 6,038 177,082 SH   SOLE   176,312 0 770
First Trust Consumer Staples A COM 33734X119 712 16,013 SH   SOLE   15,564 0 449
First Trust Germany AlphaDEX F COM 33737J190 412 11,390 SH   SOLE   10,813 0 577
First Trust Health Care AlphaD COM 33734X143 979 16,203 SH   SOLE   16,093 0 110
First Trust Large Cap Core Alp COM 33734K109 1,167 26,968 SH   SOLE   26,968 0 0
First Trust NYSE Arca Biotechn COM 33733E203 283 2,500 SH   SOLE   2,500 0 0
First Trust United Kingdom Alp COM 33737J224 654 16,298 SH   SOLE   15,799 0 499
Guggenheim BulletShares 2016 H COM 18383M415 540 20,863 SH   SOLE   20,863 0 0
Guggenheim BulletShares 2017 H COM 18383M399 2,113 84,643 SH   SOLE   84,643 0 0
Guggenheim BulletShares 2018 H COM 18383M381 207 8,760 SH   SOLE   8,760 0 0
iShares Barclays Aggregate Bon COM 464287226 18,686 173,001 SH   SOLE   55,070 0 117,931
iShares Dow Jones Select Divid COM 464287168 638 8,491 SH   SOLE   0 0 8,491
iShares MSCI EAFE Index Fund E COM 464287465 1,532 26,094 SH   SOLE   0 0 26,094
iShares MSCI Ireland Capped ET COM 46429B507 860 20,685 SH   SOLE   7,772 0 12,913
iShares Russell 3000 Index Fun COM 464287689 615 5,111 SH   SOLE   0 0 5,111
iShares S&P 500 Index ETF COM 464287200 647 3,157 SH   SOLE   1,657 0 1,501
PowerShares DB US Dollar Index COM 73936D107 6,665 259,847 SH   SOLE   234,097 0 25,750
Schwab US Large-Cap ETF COM 808524201 3,449 71,015 SH   SOLE   71,015 0 0
SPDR Euro Stoxx 50 COM 78463X202 635 18,435 SH   SOLE   0 0 18,435
SPDR S&P Homebuilders ETF COM 78464A888 219 6,398 SH   SOLE   6,398 0 0
Technology Select Sector SPDR COM 81369Y803 4,181 97,614 SH   SOLE   84,295 0 13,319
Vanguard Dividend Appreciation COM 921908844 3,010 38,704 SH   SOLE   0 0 38,704
Vanguard FTSE Developed Market COM 921943858 3,246 88,386 SH   SOLE   1,101 0 87,285
Vanguard REIT Index ETF COM 922908553 11,115 139,411 SH   SOLE   1,007 0 138,404
Vanguard Russell 2000 Index ET COM 92206C664 4,729 52,426 SH   SOLE   491 0 51,935
Vanguard S&P 500 ETF COM 922908363 40,500 216,661 SH   SOLE   5,239 0 211,422
Vanguard Telecommunication Ser COM 92204A884 591 7,046 SH   SOLE   971 0 6,075