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 37833100 1,380 3,482 SH   SOLE 0 0 0 3,482
ISHARES MSCI ALL (EX JPN) ETF 464288182 561 10,250 SH   SOLE 0 0 0 10,250
ABBVIE INC COMMON 00287Y109 319 7,709 SH   SOLE 0 0 0 7,709
ABBOTT LABS COMMON 2824100 702 20,136 SH   SOLE 0 0 0 20,136
ALLIANCEBERNSTEIN INCOME ETF 00142J362 250 33,487 SH   SOLE 0 0 0 33,487
ARCHER DANIELS MIDLAND CO ETF 39483102 448 13,208 SH   SOLE 0 0 0 13,208
ISHARES CORE U.S. BOND ETF 464287226 1,060 9,887 SH   SOLE 0 0 0 9,887
ISHARES S&P ASIA 50 INDEX ETF 464288430 395 9,303 SH   SOLE 0 0 0 9,303
ALPS TRUST ETF 00162Q866 722 40,450 SH   SOLE 0 0 0 40,450
APACHE CORP COMMON 37411105 344 4,105 SH   SOLE 0 0 0 4,105
BOEING CO COMMON 097023105 201 1,967 SH   SOLE 0 0 0 1,967
BAXTER INTERNATIONAL INC COMMON 071813109 223 3,225 SH   SOLE 0 0 0 3,225
BUNGE LTD COMMON G16962105 431 6,087 SH   SOLE 0 0 0 6,087
VANGUARD TOTAL BOND MKT ETF 921937835 1,452 17,958 SH   SOLE 0 0 0 17,958
PEABODY ENERGY CORP COMMON 70454904 210 14,318 SH   SOLE 0 0 0 14,318
CATERPILLAR INC COMMON 149123101 607 7,354 SH   SOLE 0 0 0 7,354
CHUBB CORP COMMON 171232101 421 4,972 SH   SOLE 0 0 0 4,972
COMMUNITY BANK SHARES/IN COMMON 203599105 219 11,751 SH   SOLE 0 0 0 11,751
CF INDUSTRIES HOLDINGS INC COMMON 125269100 375 2,188 SH   SOLE 0 0 0 2,188
CINCINNATI FINANCIAL CORP COMMON 172062101 329 7,156 SH   SOLE 0 0 0 7,156
ISHARES BRCLYS INT CREDIT ETF 464288638 39,474 366,453 SH   SOLE 0 0 0 366,453
CONOCOPHILLIPS CORP COMMON 20825C104 577 9,535 SH   SOLE 0 0 0 9,535
CISCO SYSTEMS INC COMMON 17275R102 391 16,058 SH   SOLE 0 0 0 16,058
ISHARES BRCLYS 1-3 YEAR BD ETF 464288646 5,141 48,952 SH   SOLE 0 0 0 48,952
CHEVRON CORP COMMON 166764100 1,077 9,102 SH   SOLE 0 0 0 9,102
PSHARES COMMODITY ETF 73935S105 2,145 85,372 SH   SOLE 0 0 0 85,372
DU PONT E I DE NEMOURS COMMON 263534109 348 6,625 SH   SOLE 0 0 0 6,625
WISDOMTREE EMERG MKTS EQ ETF 97717W315 249 5,162 SH   SOLE 0 0 0 5,162
WALT DISNEY CO COMMON 254687106 379 6,008 SH   SOLE 0 0 0 6,008
WISDOMTREE DVD EX-FIN ETF 97717W406 1,885 30,272 SH   SOLE 0 0 0 30,272
ISHARES MSCI EMERGING MKTS ETF 464287234 2,316 60,121 SH   SOLE 0 0 0 60,121
ISHARES MSCI EAFE INDEX ETF 464287465 899 15,695 SH   SOLE 0 0 0 15,695
ISHARES MSCI GWTH IDX FD ETF 464288885 815 13,198 SH   SOLE 0 0 0 13,198
ENTERGY CORP COMMON 29364G103 402 5,775 SH   SOLE 0 0 0 5,775
ISHARES MSCI CANADA ETF 464286509 338 12,884 SH   SOLE 0 0 0 12,884
ISHARES MSCI GERMANY ETF 464286806 10,878 440,406 SH   SOLE 0 0 0 440,406
GUGGENHEIM RUSSELL MCAP ETF 78355W577 25,802 640,401 SH   SOLE 0 0 0 640,401
ISHARES MSCI Uk ETF 464286699 11,631 658,624 SH   SOLE 0 0 0 658,624
FORD MOTOR COMMON 345370860 986 63,726 SH   SOLE 0 0 0 63,726
FREEPORT MCMORAN COMMON 35671D857 373 13,513 SH   SOLE 0 0 0 13,513
GREENHAVEN COMMODITY ETF 395258106 14,309 554,833 SH   SOLE 0 0 0 554,833
GENERAL DYNAMICS CORP COMMON 369550108 473 6,043 SH   SOLE 0 0 0 6,043
GENERAL ELECTRIC CO COMMON 369604103 11,233 484,398 SH   SOLE 0 0 0 484,398
SPDR GOLD TR GOLD SHS ETF 78463V107 312 2,620 SH   SOLE 0 0 0 2,620
CORNING INC COMMON 219350105 390 27,416 SH   SOLE 0 0 0 27,416
HALLIBURTON CO COMMON 406216101 522 12,503 SH   SOLE 0 0 0 12,503
HEWLETT PACKARD CO COMMON 428236103 388 15,648 SH   SOLE 0 0 0 15,648
HOSPIRA INC COMMON 441060100 203 5,300 SH   SOLE 0 0 0 5,300
HUMANA INC COMMON 444859102 963 11,415 SH   SOLE 0 0 0 11,415
ISHARES IBOXX HI YIELD CAP ETF 464288513 2,015 22,169 SH   SOLE 0 0 0 22,169
INTL BUSINESS MACHINES ETF 459200101 1,204 6,300 SH   SOLE 0 0 0 6,300
ISHARES MSCI ETF 46434G103 835 18,119 SH   SOLE 0 0 0 18,119
ISHARES CORE S&P MID-CAP ETF 464287507 1,705 14,764 SH   SOLE 0 0 0 14,764
ISHARES S&P MDCP 400 VALUE ETF 464287705 327 3,225 SH   SOLE 0 0 0 3,225
ISHARES S&P MIDCAP 400 ETF 464287606 203 1,579 SH   SOLE 0 0 0 1,579
ISHARES CORE S&P SCAP ETF 464287804 1,738 19,244 SH   SOLE 0 0 0 19,244
ISHARES S&P SCAP 600 ETF 464287879 19,224 205,737 SH   SOLE 0 0 0 205,737
ISHARES S&P SCAP 600 GRW ETF 464287887 1,518 15,647 SH   SOLE 0 0 0 15,647
INTEL CORP COMMON 458140100 636 26,237 SH   SOLE 0 0 0 26,237
MKT V. INTERMEDIATE MUNI ETF 57060U845 343 15,556 SH   SOLE 0 0 0 15,556
ISHARES S&P 500 VALUE ETF 464287408 300 3,956 SH   SOLE 0 0 0 3,956
ISHARES CORE S&P 500 ETF 464287200 33,077 205,599 SH   SOLE 0 0 0 205,599
ISHARES S&P 500 GROWTH ETF 464287309 235 2,795 SH   SOLE 0 0 0 2,795
ISHARES RUSSELL 1000 ETF 464287622 383 4,254 SH   SOLE 0 0 0 4,254
ISHARES DJ US ENERRGY ETF 464287796 262 5,892 SH   SOLE 0 0 0 5,892
ISHARES DJ US REAL ESTATE ETF 464287739 473 7,119 SH   SOLE 0 0 0 7,119
JOHNSON & JOHNSON COMMON 478160104 346 4,027 SH   SOLE 0 0 0 4,027
SPDR BRCLYS HIGH YLD BOND ETF 78464A417 16,368 414,492 SH   SOLE 0 0 0 414,492
JP MORGAN CHASE COMMON 46625H100 762 14,443 SH   SOLE 0 0 0 14,443
COCA COLA CO COMMON 191216100 527 13,132 SH   SOLE 0 0 0 13,132
KRAFT FOODS GROUP INC COMMON 50076Q106 313 5,594 SH   SOLE 0 0 0 5,594
ISHARES IBOXX & INVTOP INV ETF 464287242 2,171 19,106 SH   SOLE 0 0 0 19,106
ISHARES BRCLYS MBS BOND ETF 464288588 1,997 18,975 SH   SOLE 0 0 0 18,975
MCDONALDS CORP COMMON 580135101 336 3,391 SH   SOLE 0 0 0 3,391
MONDELEZ INTL INC COMMON 609207105 323 11,308 SH   SOLE 0 0 0 11,308
ALTRIA GROUP INC COMMON 02209S103 538 15,384 SH   SOLE 0 0 0 15,384
THE MOSAIC CO. COMMON 61945C103 363 6,753 SH   SOLE 0 0 0 6,753
MARATHON PETE CORP COMMON 56585A102 333 4,679 SH   SOLE 0 0 0 4,679
MERCK & CO INC. COMMON 589331107 505 10,866 SH   SOLE 0 0 0 10,866
MICROSOFT CORP COMMON 594918104 363 10,515 SH   SOLE 0 0 0 10,515
ISHARES S&P NATL MUNI BD FD ETF 464288414 471 4,482 SH   SOLE 0 0 0 4,482
NEXTERA ENERGY INC COMMON 65339F101 316 3,877 SH   SOLE 0 0 0 3,877
NEWMONT MINING CORP COMMON 651639106 438 14,626 SH   SOLE 0 0 0 14,626
ORACLE CORP COMMON 68389X105 321 10,444 SH   SOLE 0 0 0 10,444
OCCIDENTAL PETROLEUM COMMON 674599105 453 5,078 SH   SOLE 0 0 0 5,078
PSHARES EMG MKTS SOV DEB ETF 73936T573 13,139 481,093 SH   SOLE 0 0 0 481,093
PEPSICO INC COMMON 713448108 494 6,044 SH   SOLE 0 0 0 6,044
PFIZER INC COMMON 717081103 404 14,412 SH   SOLE 0 0 0 14,412
ISHARES US PFD STOCK ETF 464288687 657 16,725 SH   SOLE 0 0 0 16,725
PROCTER GAMBLE CO COMMON 742718109 4,146 53,851 SH   SOLE 0 0 0 53,851
POWERSHARES PFD PORT ETF 73936T565 462 32,351 SH   SOLE 0 0 0 32,351
PHILIP MORRIS INTL COMMON 718172109 974 11,249 SH   SOLE 0 0 0 11,249
PSHARES 1500 SMALL-MID ETF 73935X567 380 4,688 SH   SOLE 0 0 0 4,688
PHILLIPS 66 COMMON 718546104 503 8,537 SH   SOLE 0 0 0 8,537
PSHARES INSRD NATL MUNI ETF 73936T474 271 11,350 SH   SOLE 0 0 0 11,350
QUALCOMM INC COMMON 747525103 421 6,890 SH   SOLE 0 0 0 6,890
GUGGENHEIM S&P 500 ETF 78355W106 1,947 31,781 SH   SOLE 0 0 0 31,781
RAYTHEON CO COMMON 755111507 462 6,982 SH   SOLE 0 0 0 6,982
SPDR GLOBAL REAL ESTATE ETF 78463X749 25,188 598,443 SH   SOLE 0 0 0 598,443
SCH US REIT ETF 80852487 511 15,925 SH   SOLE 0 0 0 15,925
ISHARES BRCLYS SHORT T-BD ETF 464288679 816 7,406 SH   SOLE 0 0 0 7,406
ISHARES BRCLYS1-3 YR TRS ETF 464287457 582 6,905 SH   SOLE 0 0 0 6,905
MKT V. SHORT MUNI INDEX ETF 57060U803 767 43,818 SH   SOLE 0 0 0 43,818
S P D R S&P 500 TR ETF 78462F103 298 1,865 SH   SOLE 0 0 0 1,865
ISHARES MSCI 0-5 YR TIPS ETF 46429B747 46,447 461,337 SH   SOLE 0 0 0 461,337
AT&T INC COMMON 00206R102 427 12,057 SH   SOLE 0 0 0 12,057
ISHARES BRCLYS TIPS BOND ETF 464287176 1,653 14,754 SH   SOLE 0 0 0 14,754
THERMO FISHER SCIENTIFIC COMMON 883556102 262 3,100 SH   SOLE 0 0 0 3,100
THE TRAVELERS COMPANIES COMMON 89417E109 313 3,920 SH   SOLE 0 0 0 3,920
UNITED PARCEL SERVICE CL B COMMON 911312106 881 10,186 SH   SOLE 0 0 0 10,186
US BANCORP COMMON 902973304 400 11,066 SH   SOLE 0 0 0 11,066
US COMMODITY INDEX ETF 911717106 298 5,576 SH   SOLE 0 0 0 5,576
VISA INC CLASS A COMMON 92826C839 324 1,775 SH   SOLE 0 0 0 1,775
VANGUARD US SCAP GROWTH ETF 922908595 16,901 164,179 SH   SOLE 0 0 0 164,179
VANGUARD US SCAP VALUE ETF 922908611 2,182 26,069 SH   SOLE 0 0 0 26,069
VANGUARD CONS. STAPLES ETF 92204A207 15,113 148,170 SH   SOLE 0 0 0 148,170
VANGUARD INTL EQUITY INDEX ETF 922042775 7,906 178,796 SH   SOLE 0 0 0 178,796
VANGUARD REIT INDEX ETF 922908553 2,758 40,137 SH   SOLE 0 0 0 40,137
VANGUARD US MCAP GROWTH ETF 922908538 233 2,978 SH   SOLE 0 0 0 2,978
VANGUARD FTSE PACIFIC ETF 922042866 19,574 350,607 SH   SOLE 0 0 0 350,607
VANGUARD UTILITIES INDEX ETF 92204A876 14,379 174,950 SH   SOLE 0 0 0 174,950
VANGUARD TOTAL STK MKT ETF 922908769 36,519 441,742 SH   SOLE 0 0 0 441,742
VANGUARD US LCAP GRW ETF 922908736 208 2,657 SH   SOLE 0 0 0 2,657
VANGUARD EMERG. MKTS ETF 922042858 24,031 619,430 SH   SOLE 0 0 0 619,430
VERIZON COMMUNICATIONS COMMON 92343V104 309 6,135 SH   SOLE 0 0 0 6,135
WESTERN DIGITAL CORP COMMON 958102105 525 8,449 SH   SOLE 0 0 0 8,449
WESTERN ASSET CLAYMORE ETF 95766R104 324 27,325 SH   SOLE 0 0 0 27,325
WAL-MART STORES COMMON 931142103 246 3,308 SH   SOLE 0 0 0 3,308
SPDR TECHNOLOGY SELECT ETF 81369Y803 208 6,800 SH   SOLE 0 0 0 6,800
EXXON MOBIL COMMON 30231G102 1,730 19,148 SH   SOLE 0 0 0 19,148
XEROX CORP COMMON 984121103 430 47,417 SH   SOLE 0 0 0 47,417
YUM! BRANDS INC COMMON 988498101 2,569 37,043 SH   SOLE 0 0 0 37,043