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
APPLE INC COMMON STOCK 037833100 4,158 37,693 SH   SOLE   37,693 0 0
ABBVIE INC COMMON STOCK 00287Y109 891 16,376 SH   SOLE   16,376 0 0
ABBOTT LABS COMMON STOCK 002824100 670 16,666 SH   SOLE   16,666 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 178 28,064 SH   SOLE   28,064 0 0
ISHARES TR COMMON STOCK 464288257 2,127 39,438 SH   SOLE   39,438 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 598 14,424 SH   SOLE   14,424 0 0
THE ADT CORPORATION COMMON STOCK 00101J106 630 21,068 SH   SOLE   21,068 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874784 472 8,305 SH   SOLE   8,305 0 0
AMERICAN WTR WKS CO INC NE COMMON STOCK 030420103 487 8,843 SH   SOLE   8,843 0 0
BAXTER INTL INC COMMON STOCK 071813109 565 17,191 SH   SOLE   17,191 0 0
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 1,634 41,745 SH   SOLE   41,745 0 0
BANK MONTREAL QUE COMMON STOCK 063671101 614 11,259 SH   SOLE   11,259 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,065 17,995 SH   SOLE   17,995 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 491 3,766 SH   SOLE   3,766 0 0
VANGUARD BD INDEX FD INC COMMON STOCK 921937827 6,423 79,903 SH   SOLE   79,903 0 0
BAXALTA INC COMMON STOCK 07177M103 556 17,646 SH   SOLE   17,646 0 0
CENTRAL FD CDA LTD COMMON STOCK 153501101 827 78,122 SH   SOLE   78,122 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 1,962 27,056 SH   SOLE   27,056 0 0
ROCKWELL COLLINS INC COMMON STOCK 774341101 589 7,199 SH   SOLE   7,199 0 0
CONOCOPHILLIPS COMMON STOCK 20825C104 1,180 24,605 SH   SOLE   24,605 0 0
CISCO SYS INC COMMON STOCK 17275R102 254 9,670 SH   SOLE   9,670 0 0
COGNIZANT TECHNOLOGY SOLUT COMMON STOCK 192446102 932 14,890 SH   SOLE   14,890 0 0
CVS HEALTH CORP COMMON STOCK 126650100 2,499 25,903 SH   SOLE   25,903 0 0
CHEVRON CORP NEW COMMON STOCK 166764100 1,274 16,148 SH   SOLE   16,148 0 0
DEERE & CO COMMON STOCK 244199105 383 5,180 SH   SOLE   5,180 0 0
DIAGEO P L C COMMON STOCK 25243Q205 1,897 17,600 SH   SOLE   17,600 0 0
DISNEY WALT CO COMMON STOCK 254687106 3,092 30,251 SH   SOLE   30,251 0 0
ISHARES TR COMMON STOCK 464287168 2,953 40,586 SH   SOLE   40,586 0 0
EQUIFAX INC COMMON STOCK 294429105 1,511 15,550 SH   SOLE   15,550 0 0
E M C CORP MASS COMMON STOCK 268648102 1,570 64,993 SH   SOLE   64,993 0 0
EQUITY RESIDENTIAL COMMON STOCK 29476L107 1,430 19,042 SH   SOLE   19,042 0 0
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 368 4,548 SH   SOLE   4,548 0 0
FORD MTR CO DEL COMMON STOCK 345370860 762 56,167 SH   SOLE   56,167 0 0
FASTENAL CO COMMON STOCK 311900104 925 25,270 SH   SOLE   25,270 0 0
FEDEX CORP COMMON STOCK 31428X106 811 5,631 SH   SOLE   5,631 0 0
FIRST MIDWEST BANCORP DEL COMMON STOCK 320867104 413 23,590 SH   SOLE   23,590 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 2,805 111,204 SH   SOLE   111,204 0 0
GOOGLE INC COMMON STOCK 38259p706 554 911 SH   SOLE   911 0 0
GOOGLE INC COMMON STOCK 38259p508 929 1,455 SH   SOLE   1,455 0 0
HOME DEPOT INC COMMON STOCK 437076102 1,811 15,678 SH   SOLE   15,678 0 0
WISDOMTREE TR COMMON STOCK 97717X701 4,905 89,749 SH   SOLE   89,749 0 0
ISHARES TR COMMON STOCK 46434V803 1,905 77,505 SH   SOLE   77,505 0 0
STARWOOD HOTELS&RESORTS WR COMMON STOCK 85590A401 890 13,389 SH   SOLE   13,389 0 0
HUMANA INC COMMON STOCK 444859102 2,393 13,370 SH   SOLE   13,370 0 0
ISHARES TR COMMON STOCK 464287440 601 5,567 SH   SOLE   5,567 0 0
ISHARES TR COMMON STOCK 464288661 257 2,062 SH   SOLE   2,062 0 0
ISHARES TR COMMON STOCK 464287374 1,626 56,005 SH   SOLE   56,005 0 0
INTEL CORP COMMON STOCK 458140100 796 26,410 SH   SOLE   26,410 0 0
ISHARES TR COMMON STOCK 464287663 873 7,175 SH   SOLE   7,175 0 0
INVESCO LTD COMMON STOCK G491BT108 584 18,705 SH   SOLE   18,705 0 0
ISHARES TR COMMON STOCK 464287473 1,079 16,090 SH   SOLE   16,090 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 2,405 39,452 SH   SOLE   39,452 0 0
COCA COLA CO COMMON STOCK 191216100 543 13,537 SH   SOLE   13,537 0 0
LAZARD LTD COMMON STOCK G54050102 1,018 23,517 SH   SOLE   23,517 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 979 4,722 SH   SOLE   4,722 0 0
LOWES COS INC COMMON STOCK 548661107 350 5,085 SH   SOLE   5,085 0 0
MASTERCARD INC COMMON STOCK 57636Q104 1,844 20,461 SH   SOLE   20,461 0 0
MCDONALDS CORP COMMON STOCK 580135101 2,132 21,643 SH   SOLE   21,643 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 771 17,892 SH   SOLE   17,892 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 590 8,814 SH   SOLE   8,814 0 0
3M CO COMMON STOCK 88579Y101 340 2,398 SH   SOLE   2,398 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103 1,217 22,375 SH   SOLE   22,375 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 879 17,796 SH   SOLE   17,796 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,351 53,123 SH   SOLE   53,123 0 0
ISHARES TR COMMON STOCK 464288414 389 3,550 SH   SOLE   3,550 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,797 28,675 SH   SOLE   28,675 0 0
NEXTERA ENERGY PARTNERS LP COMMON STOCK 65341B106 358 16,410 SH   SOLE   16,410 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 1,080 21,617 SH   SOLE   21,617 0 0
NOVARTIS A G COMMON STOCK 66987V109 2,202 23,952 SH   SOLE   23,952 0 0
NEXPOINT RESIDENTIAL TR IN COMMON STOCK 65341D102 220 16,500 SH   SOLE   16,500 0 0
PEPSICO INC COMMON STOCK 713448108 1,414 14,997 SH   SOLE   14,997 0 0
PFIZER INC COMMON STOCK 717081103 1,346 42,863 SH   SOLE   42,863 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 826 11,483 SH   SOLE   11,483 0 0
VOYA PRIME RATE TR COMMON STOCK 92913A100 109 21,515 SH   SOLE   21,515 0 0
PHILLIPS 66 COMMON STOCK 718546104 809 10,534 SH   SOLE   10,534 0 0
PRAXAIR INC COMMON STOCK 74005P104 488 4,792 SH   SOLE   4,792 0 0
QUALCOMM INC COMMON STOCK 747525103 1,107 20,608 SH   SOLE   20,608 0 0
ROSS STORES INC COMMON STOCK 778296103 564 11,630 SH   SOLE   11,630 0 0
SPDR INDEX SHS FDS COMMON STOCK 78463X749 429 9,495 SH   SOLE   9,495 0 0
REDWOOD TR INC COMMON STOCK 758075402 799 57,698 SH   SOLE   57,698 0 0
RAYONIER INC COMMON STOCK 754907103 716 32,450 SH   SOLE   32,450 0 0
SPDR SERIES TRUST COMMON STOCK 78464A474 206 6,750 SH   SOLE   6,750 0 0
PROSHARES TR COMMON STOCK 74347R503 7,265 322,730 SH   SOLE   322,730 0 0
ISHARES TR COMMON STOCK 464287457 13,180 155,080 SH   SOLE   155,080 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 730 10,579 SH   SOLE   10,579 0 0
SPDR S&P 500 ETF TR COMMON STOCK 78462F103 11,764 61,391 SH   SOLE   61,391 0 0
AT&T INC COMMON STOCK 00206R102 304 9,332 SH   SOLE   9,332 0 0
PROSHARES TR COMMON STOCK 74347X849 4,100 167,230 SH   SOLE   167,230 0 0
ISHARES TR COMMON STOCK 464287176 2,512 22,691 SH   SOLE   22,691 0 0
TOWERS WATSON & CO COMMON STOCK 891894107 594 5,060 SH   SOLE   5,060 0 0
POWERSHS DB US DOLLAR INDE COMMON STOCK 73936D107 2,642 105,260 SH   SOLE   105,260 0 0
VODAFONE GROUP PLC NEW COMMON STOCK 92857W308 1,371 43,191 SH   SOLE   43,191 0 0
VANGUARD WHITEHALL FDS INC COMMON STOCK 921946406 2,667 42,562 SH   SOLE   42,562 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 1,074 24,676 SH   SOLE   24,676 0 0
WESTERN GAS PARTNERS LP COMMON STOCK 958254104 785 16,768 SH   SOLE   16,768 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 2,344 45,653 SH   SOLE   45,653 0 0
WAL-MART STORES INC COMMON STOCK 931142103 977 15,068 SH   SOLE   15,068 0 0
CIMAREX ENERGY CO COMMON STOCK 171798101 1,550 15,122 SH   SOLE   15,122 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 2,399 32,261 SH   SOLE   32,261 0 0