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 037833100 122 1,316 SH   SOLE 0 1,316 0 0
ABBVIE INC COM COMMON 00287Y109 4 67 SH   SOLE 0 67 0 0
A B M INDUSTRIES INC COMMON 000957100 5 170 SH   SOLE 0 170 0 0
ABBOTT LABORATORIES COMMON 002824100 4 102 SH   SOLE 0 102 0 0
AUTO DATA PROCESSING COMMON 053015103 16 200 SH   SOLE 0 200 0 0
BARCLAYS AGGREGATE BOND FUND COMMON 464287226 110 1,010 SH   SOLE 0 1,010 0 0
APPLIED MATERIALS INC. COMMON 038222105 27 1,200 SH   SOLE 0 1,200 0 0
AMAZON COMMON 023135106 14 43 SH   SOLE 0 43 0 0
AMERICAN EXPRESS COMPANY COMMON 025816109 57 604 SH   SOLE 0 604 0 0
BANK OF AMERICA CORP COMMON 060505104 52 3,385 SH   SOLE 0 3,385 0 0
POWERSHARES SENIOR LOAN TRUST II COMMON 73936Q769 113 4,558 SH   SOLE 0 4,558 0 0
BRISTOL MYERS SQUIBB COMMON 110122108 29 600 SH   SOLE 0 600 0 0
VANGUARD BOND INDEX FUND COMMON 921937835 53 650 SH   SOLE 0 650 0 0
CLAYMORE ETF TR GUGGENHEIM BULLETSHARES 2017 HIGH COMMON 18383M399 27 990 SH   SOLE 0 990 0 0
CITIGROUP INC COMMON 172967424 2 50 SH   SOLE 0 50 0 0
CATERPILLAR INC COMMON 149123101 35 325 SH   SOLE 0 325 0 0
ISHARES CALIFORNIA AMT-FREE MU NI B ETF COMMON 464288356 204 1,761 SH   SOLE 0 1,761 0 0
CHEVRONTEXACO CORP COMMON 166764100 122 934 SH   SOLE 0 934 0 0
DOMINION RES INC VA NEW COMMON 25746U109 116 1,626 SH   SOLE 0 1,626 0 0
DELTA AIR LINES INC COM COMMON 247361702 4 94 SH   SOLE 0 94 0 0
DBX TRACKERS MSCI ETF COMMON 233051200 942 34,139 SH   SOLE 0 34,139 0 0
DU PONT E I DE NEMOUR&CO COMMON 263534109 33 500 SH   SOLE 0 500 0 0
DANAHER CORP DEL COMMON 235851102 8 100 SH   SOLE 0 100 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE COMMON 78467X109 8 47 SH   SOLE 0 47 0 0
DISNEY WALT CO COMMON 254687106 44 508 SH   SOLE 0 508 0 0
DOW CHEMICAL COMMON 260543103 141 2,746 SH   SOLE 0 2,746 0 0
ISHARES TRUST MSCI COMMON 464288570 92 1,264 SH   SOLE 0 1,264 0 0
DUKE ENERGY CORPORATION COMMON 26441C204 74 999 SH   SOLE 0 999 0 0
ELECTRONIC ARTS COM COMMON 285512109 7 200 SH   SOLE 0 200 0 0
CONSOLIDATED EDISON INC COMMON 209115104 24 416 SH   SOLE 0 416 0 0
MSCI EMERGING MKTS INDEX FUND COMMON 464287234 245 5,670 SH   SOLE 0 5,670 0 0
MSCI EAFE INDEX FUND COMMON 464287465 1,514 22,150 SH   SOLE 0 22,150 0 0
MSCI EAFE VALUE INDEX FUND COMMON 464288877 2 29 SH   SOLE 0 29 0 0
EMERSON ELECTRIC CO COMMON 291011104 7 100 SH   SOLE 0 100 0 0
ISHARES MSCI AUS IDX FD COMMON 464286103 9 335 SH   SOLE 0 335 0 0
ISHARES MSCI UTD KINGDM COMMON 464286699 7 330 SH   SOLE 0 330 0 0
SPDR INDEX SHS FDS S&P EMERGING MKTS SM COMMON 78463X756 273 5,427 SH   SOLE 0 5,427 0 0
FORD MOTOR COMPANY NEW COMMON 345370860 11 610 SH   SOLE 0 610 0 0
FACEBOOK INC COM COMMON 30303M102 17 250 SH   SOLE 0 250 0 0
FRONTIER COMMUNICATIONS CORP COMMON 35906A108 6 1,014 SH   SOLE 0 1,014 0 0
GENERAL DYNAMICS CORP COMMON 369550108 13 113 SH   SOLE 0 113 0 0
GENERAL ELECTRIC COMPANY COMMON 369604103 91 3,454 SH   SOLE 0 3,454 0 0
SPDR S&P EMERGING MARKET COMMON 78463X509 29 435 SH   SOLE 0 435 0 0
GOOGLE INC CLASS C COMMON 38259P706 3 5 SH   SOLE 0 5 0 0
GOOGLE INC CLASS A COMMON 38259P508 3 5 SH   SOLE 0 5 0 0
GLOBE SPECIALTY METALS INC COM COMMON 37954N206 10 465 SH   SOLE 0 465 0 0
HOME DEPOT COMMON 437076102 81 995 SH   SOLE 0 995 0 0
WISDOMTREE TRUST EUROPE HEDGED EQUITY FUND COMMON 97717X701 7 128 SH   SOLE 0 128 0 0
HEWLETT-PACKARD COMPANY COMMON 428236103 5 134 SH   SOLE 0 134 0 0
NASDAQ BIOTECH INDEX FUND COMMON 464287556 26 103 SH   SOLE 0 103 0 0
IBM COMMON 459200101 15 85 SH   SOLE 0 85 0 0
INTERDIGITAL INC PA COMMON 45867G101 25 525 SH   SOLE 0 525 0 0
BARCLAYS 7-10 YR. TREASURY INDEX COMMON 464287440 289,854 2,798,356 SH   SOLE 0 2,798,356 0 0
BARCLAYS 3-7 YR TREASURY INDEX FUND COMMON 464288661 6,602 54,207 SH   SOLE 0 54,207 0 0
II VI INC COMMON 902104108 2 120 SH   SOLE 0 120 0 0
S&P MIDCAP 400 COMMON 464287507 717 5,009 SH   SOLE 0 5,009 0 0
S&P MIDCAP 400/BARRA VALUE COMMON 464287705 313 2,466 SH   SOLE 0 2,466 0 0
S&P MIDCAP 400/BARRA GROWTH COMMON 464287606 312 1,986 SH   SOLE 0 1,986 0 0
S&P SMALLCAP 600 INDEX FUND COMMON 464287804 84 750 SH   SOLE 0 750 0 0
INTEL CORP COMMON 458140100 12 397 SH   SOLE 0 397 0 0
ISHARES S&P GLBL INDX FD COMMON 464287572 8 106 SH   SOLE 0 106 0 0
ILLINOIS TOOL WORKS COMMON 452308109 28 320 SH   SOLE 0 320 0 0
S&P 500 BARRA VALUE INDEX FUND COMMON 464287408 297 3,285 SH   SOLE 0 3,285 0 0
S&P 500 INDEX FUND COMMON 464287200 4,727 23,995 SH   SOLE 0 23,995 0 0
S&P 500 BARRA GROWTH INDEX FUND COMMON 464287309 387 3,676 SH   SOLE 0 3,676 0 0
RUSSELL 1000 INDEX FUND COMMON 464287622 302 2,747 SH   SOLE 0 2,747 0 0
RUSSELL 1000 GROWTH INDEX FUND COMMON 464287614 201 2,210 SH   SOLE 0 2,210 0 0
RUSSELL 2000 INDEX FUND COMMON 464287655 743 6,252 SH   SOLE 0 6,252 0 0
RUSSELL 2000 VALUE INDEX FUND COMMON 464287630 121 1,171 SH   SOLE 0 1,171 0 0
RUSSELL 2000 GROWTH INDEX FUND COMMON 464287648 131 943 SH   SOLE 0 943 0 0
RUSSELL 3000 INDEX FUND COMMON 464287689 2,744 23,305 SH   SOLE 0 23,305 0 0
JOHNSON & JOHNSON COMMON 478160104 35 339 SH   SOLE 0 339 0 0
SPDR BARCLAYS CAPITAL COMMON 78464A417 0 1 SH   SOLE 0 1 0 0
J P MORGAN CHASE & CO COMMON 46625H100 42 723 SH   SOLE 0 723 0 0
KINDER MORGAN ENERGY LP COMMON 494550106 33 400 SH   SOLE 0 400 0 0
KRAFT FOODS GROUP INC COM NPV COMMON 50076Q106 8 138 SH   SOLE 0 138 0 0
LOCKHEED MARTIN CORP COMMON 539830109 320 1,988 SH   SOLE 0 1,988 0 0
MCDONALD'S COMMON 580135101 47 466 SH   SOLE 0 466 0 0
MONDELEZ INTL INC COM COMMON 609207105 16 415 SH   SOLE 0 415 0 0
MEDTRONIC INC COMMON 585055106 9 134 SH   SOLE 0 134 0 0
MID CAP S P D R TRUST COMMON 78467Y107 29 112 SH   SOLE 0 112 0 0
PIMCO EXCH TRADED FUND COMMON 72201R833 467 4,602 SH   SOLE 0 4,602 0 0
ALTRIA GROUP COMMON 02209S103 60 1,428 SH   SOLE 0 1,428 0 0
MONSANTO CO NEW DEL COMMON 61166W101 4 36 SH   SOLE 0 36 0 0
MERCK & CO INC COMMON 58933Y105 8 140 SH   SOLE 0 140 0 0
MORGAN STANLEY COMMON 617446448 83 50,000 SH   SOLE 0 50,000 0 0
MICROSOFT CORP COMMON 594918104 19 450 SH   SOLE 0 450 0 0
ISHARES S&P NATL AMT FREE MUNI BND FND COMMON 464288414 611 5,628 SH   SOLE 0 5,628 0 0
MUELLER WATER PRODUCTS INC COM COMMON 624758108 4 450 SH   SOLE 0 450 0 0
NEXTERA ENERGY INC COM COMMON 65339F101 61 600 SH   SOLE 0 600 0 0
ALLIANZGI EQTY & CON FD COMMON 018829101 2 115 SH   SOLE 0 115 0 0
NIKE INC CLASS B COMMON 654106103 11 140 SH   SOLE 0 140 0 0
ANNALY CAPITAL MANAGEMENT INC COM COMMON 035710409 2 200 SH   SOLE 0 200 0 0
NU SKIN ENTERPRISES INC CL A FRMLY NU COMMON 67018T105 7 100 SH   SOLE 0 100 0 0
ISHARES TR NY AMT FREE COMMON 464288323 200 1,820 SH   SOLE 0 1,820 0 0
ORACLE CORPORATION COMMON 68389X105 32 783 SH   SOLE 0 783 0 0
OCCIDENTAL PETROLEUM COMMON 674599105 11 108 SH   SOLE 0 108 0 0
PEOPLES UTG FINL INC COMMON 712704105 161 10,607 SH   SOLE 0 10,607 0 0
POWERSHS EXCH TRAD FD TR COMMON 73935X500 11 1,664 SH   SOLE 0 1,664 0 0
PEPSICO INCORPORATED COMMON 713448108 71 797 SH   SOLE 0 797 0 0
PFIZER INCORPORATED COMMON 717081103 31 1,038 SH   SOLE 0 1,038 0 0
PROCTER & GAMBLE CO COMMON 742718109 64 813 SH   SOLE 0 813 0 0
POWERSHS EXCH TRAD FD TR COMMON 73935X575 11 424 SH   SOLE 0 424 0 0
PHILIP MORRIS INTL INC COM COMMON 718172109 102 1,213 SH   SOLE 0 1,213 0 0
PROSPECT CAP CORP COMMON 74348T102 2 200 SH   SOLE 0 200 0 0
PRAXAIR INC COMMON 74005P104 449 3,381 SH   SOLE 0 3,381 0 0
REGIONS FINANCIAL CORP COMMON 7591EP100 2 200 SH   SOLE 0 200 0 0
RTI INTL METALS COMMON 74973W107 53 2,000 SH   SOLE 0 2,000 0 0
SAFE BULKERS INC COMMON Y7388L103 5 500 SH   SOLE 0 500 0 0
STARBUCKS CORP COMMON 855244109 19 250 SH   SOLE 0 250 0 0
FIRST FINANCIAL HOLDINGS INC C OM COMMON 32023E105 11 185 SH   SOLE 0 185 0 0
SCHWAB STRATEGIC TR US SMALL-CAP ETF COMMON 808524607 13 229 SH   SOLE 0 229 0 0
SCH US REIT ETF COMMON 808524847 52 1,461 SH   SOLE 0 1,461 0 0
SCH US MID-CAP ETF COMMON 808524508 171 4,250 SH   SOLE 0 4,250 0 0
SCH INTM US TRSR ETF COMMON 808524854 91 1,708 SH   SOLE 0 1,708 0 0
SCHWAB STRATEGIC TR US LARGE-CAP ETF COMMON 808524201 457 9,749 SH   SOLE 0 9,749 0 0
SCH US AGG BND ETF COMMON 808524839 115 2,219 SH   SOLE 0 2,219 0 0
SPDR SER TR SPDR SPDR BARCLAYS COMMON 78464A474 2,612 84,782 SH   SOLE 0 84,782 0 0
MSCI EAFE SMALL CAP COMMON 464288273 377 7,119 SH   SOLE 0 7,119 0 0
SPDR S&P DIVIDEND ETF COMMON 78464A763 69 907 SH   SOLE 0 907 0 0
SPECTRA ENERGY CORP COMMON 847560109 10 238 SH   SOLE 0 238 0 0
SPDR SER TR NUVEEN BARCLAYS CAP SHORT TE COMMON 78464A425 550 22,611 SH   SOLE 0 22,611 0 0
SHERWIN WILLIAMS CO COMMON 824348106 22 108 SH   SOLE 0 108 0 0
BARCLAYS 1-3 YR TREASURY INDEX FUND COMMON 464287457 84 990 SH   SOLE 0 990 0 0
J M SMUCKER CO NEW COMMON 832696405 0 4 SH   SOLE 0 4 0 0
SOUTHERN CO COMMON 842587107 14 300 SH   SOLE 0 300 0 0
SPECTRUM BRANDS HOLDINGS INC COMMON 84763R101 17 200 SH   SOLE 0 200 0 0
S P D R TRUST UNIT SR COMMON 78462F103 443 2,264 SH   SOLE 0 2,264 0 0
SUNTRUST BANKS INC COMMON 867914103 58 1,442 SH   SOLE 0 1,442 0 0
SYSCO CORPORATION COMMON 871829107 6 167 SH   SOLE 0 167 0 0
AT&T CORP - NEW COMMON 00206R102 34 954 SH   SOLE 0 954 0 0
TEVA PHARM INDS LTD ADRF COMMON 881624209 7 134 SH   SOLE 0 134 0 0
SPDR SER TR NUVEEN BARCLAYS CAP MUN BD E COMMON 78464A458 834 35,212 SH   SOLE 0 35,212 0 0
ISHARES TR BARCLAYS 10-20 YR BOND COMMON 464288653 2,225 17,215 SH   SOLE 0 17,215 0 0
ULTRALIFE CORP COMMON 903899102 1 200 SH   SOLE 0 200 0 0
UNITED ST COMMODITY ETF COMMON 911717106 343 5,665 SH   SOLE 0 5,665 0 0
VANGUARD SMALL CAP INDEX FUND COMMON 922908751 27 233 SH   SOLE 0 233 0 0
VANGUARD SMALL CAP GRWTH COMMON 922908595 74 582 SH   SOLE 0 582 0 0
VANGUARD SMALL CAP INDEX FUND COMMON 922908611 236 2,241 SH   SOLE 0 2,241 0 0
VANGUARD SCOTTSDALE FDS INTERMEDIATE COMMON 92206C870 106 1,224 SH   SOLE 0 1,224 0 0
VANGUARD CONSUMR STAPLES COMMON 92204A207 28 242 SH   SOLE 0 242 0 0
VANGUARD ENERGY COMMON 92204A306 12 85 SH   SOLE 0 85 0 0
VANGUARD EUROPE PAC INDEX FUND COMMON 921943858 1,371 32,196 SH   SOLE 0 32,196 0 0
VANGUARD INTL EQTY INDEX COMMON 922042775 42,925 820,895 SH   SOLE 0 820,895 0 0
VANGUARD GOVT BOND ETF COMMON 92206C706 344 5,373 SH   SOLE 0 5,373 0 0
VANGUARD LONG TERM GOVT BOND E TF COMMON 92206C847 117 1,652 SH   SOLE 0 1,652 0 0
VANGUARD HEALTH CARE COMMON 92204A504 29 261 SH   SOLE 0 261 0 0
VANGUARD REIT INDEX FUND COMMON 922908553 645 8,618 SH   SOLE 0 8,618 0 0
VANGRD RUSSELL 1000 ETF COMMON 92206C680 773 8,307 SH   SOLE 0 8,307 0 0
VANGRD RUSSELL 1000 ETF COMMON 92206C714 716 8,123 SH   SOLE 0 8,123 0 0
VANGUARD TOTAL STOCK MARKET INDEX COMMON 922908769 301,036 2,958,001 SH   SOLE 0 2,958,001 0 0
VANGUARD LG CAP VALUE INDEX FUND COMMON 922908744 5 67 SH   SOLE 0 67 0 0
VANGRD RUSSELL 2000 ETF COMMON 92206C623 241 2,399 SH   SOLE 0 2,399 0 0
VANGRD RUSSELL 2000 ETF COMMON 92206C649 387 4,326 SH   SOLE 0 4,326 0 0
VANGUARD LARGE CAP INDEX FUND COMMON 922908637 60 669 SH   SOLE 0 669 0 0
VANGUARD INTL EQ INDEX FUND COMMON 922042858 1,315 30,485 SH   SOLE 0 30,485 0 0
VANGUARD EXTENDED MKT COMMON 922908652 159 1,814 SH   SOLE 0 1,814 0 0
VANGUARD WHITEHALL FUNDS COMMON 921946406 102 1,543 SH   SOLE 0 1,543 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 207 4,226 SH   SOLE 0 4,226 0 0
WALGREEN COMPANY COMMON 931422109 7 100 SH   SOLE 0 100 0 0
WEBMD HEALTH CORP CL A COMMON 94770V102 0 6 SH   SOLE 0 6 0 0
WELLS FARGO & CO NEW COMMON 949746101 71 1,351 SH   SOLE 0 1,351 0 0
WHOLE FOODS MARKET INC COMMON 966837106 14 350 SH   SOLE 0 350 0 0
WASTE MANAGEMENT INC COMMON 94106L109 27 600 SH   SOLE 0 600 0 0
WAL-MART STORES INC COMMON 931142103 53 700 SH   SOLE 0 700 0 0
WESTERN UNION CO COM COMMON 959802109 59 3,400 SH   SOLE 0 3,400 0 0
EXXON MOBIL CORPORATION COMMON 30231G102 878 8,722 SH   SOLE 0 8,722 0 0
YUM BRANDS INC COMMON 988498101 3 40 SH   SOLE 0 40 0 0
ZIMMER HOLDINGS INC COMMON 98956P102 11 103 SH   SOLE 0 103 0 0