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
International Business Machine COM 459200101 9 40 SH   SOLE   40 0 0
International Business Machine COM 459200101 239 1,120 SH   OTR   0 0 1,120
US Bancorp Del New COM 902973304 236 6,962 SH   SOLE   6,962 0 0
US Bancorp Del New COM 902973304 21 609 SH   OTR   0 0 609
SPDR Select Sector-Consumer Di ETF 81369y407 5,702 107,589 SH   SOLE   106,179 0 1,410
SPDRs ETF 78462F103 288 1,839 SH   SOLE   1,839 0 0
Vanguard Dividend Appreciation ETF 921908844 14,397 219,130 SH   SOLE   217,728 0 1,402
Vanguard Large Cap ETF ETF 922908637 294 4,103 SH   SOLE   4,103 0 0
iRussell 1000 Index ETF 464287622 19,282 221,100 SH   SOLE   221,100 0 0
iRussell 3000 Index ETF 464287689 1,921 20,553 SH   SOLE   20,553 0 0
iShares Kld 400 Social Index ETF 464288570 517 8,893 SH   SOLE   8,893 0 0
iShares S&P 500 ETF 464287200 5,305 33,712 SH   SOLE   33,540 0 172
Jm Smucker Co New COM 832696405 1,797 18,118 SH   SOLE   18,118 0 0
Keycorp - New COM 493267108 126 12,652 SH   SOLE   12,652 0 0
Midcap SPDRs ETF 78467y107 235 1,119 SH   SOLE   1,119 0 0
iRussell 2000 Value ETF 464287630 23,657 282,272 SH   SOLE   281,217 0 1,055
Vanguard Ftse All World Ex-Us ETF 922042775 1,954 42,156 SH   SOLE   42,156 0 0
Vanguard Total World Stock Ind ETF 922042742 847 16,201 SH   SOLE   16,201 0 0
iShares MSCI ACWI Index ETF 464288257 3,392 66,841 SH   SOLE   66,382 0 459
iShares Tr MSCI Eafe Index Fd ETF 464287465 13,033 220,980 SH   SOLE   220,368 0 612
iShares Tr MSCI Eafe Index Fd ETF 464287465 11 180 SH   OTR   0 0 180
Vanguard Emerging Markets Etf ETF 922042858 9,416 219,502 SH   SOLE   218,596 0 906
Vanguard Emerging Markets Etf ETF 922042858 97 2,262 SH   OTR   0 0 2,262
SPDR Barclays 1-3 Month T-Bill ETF 78464A680 250 5,462 SH   SOLE   5,462 0 0
SPDR Series Trust Nuvn Brcly M ETF 78464a458 840 34,919 SH   SOLE   34,919 0 0
iShares S&P National Muni Bond ETF 464288414 8,308 75,412 SH   SOLE   75,412 0 0
SPDR Series Trust Brclys Intl ETF 78464a516 697 11,921 SH   SOLE   11,921 0 0
iShares Barclays Aggregate Bon ETF 464287226 22,695 204,957 SH   SOLE   203,560 0 1,397
Costco Wholesale COM 22160k105 276 2,597 SH   SOLE   2,597 0 0
Paulson Capital Corp COM 703797100 90 120,000 SH   SOLE   120,000 0 0
Wells Fargo & Co COM 949746101 20 530 SH   SOLE   530 0 0
Wells Fargo & Co COM 949746101 199 5,384 SH   OTR   5,384 0 0