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
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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
ISHARES CHINA LG-CAP ETF COM 464287184 202 5,652 SH   SOLE   0 0 5,652
AT&T INC COM COM 00206R102 209 5,960 SH   SOLE   0 0 5,960
DOW CHEM CO COM COM 260543103 219 4,500 SH   SOLE   0 0 4,500
PHILLIPS 66 COM COM 718546104 220 2,860 SH   SOLE   0 0 2,860
ISHARES S&P GSCI COMMODITY I UNIT BEN INT COM 46428R107 283 8,570 SH   SOLE   0 0 8,570
ISHARES TIPS BD ETF COM 464287176 302 2,694 SH   SOLE   0 0 2,694
ISHARES GOLD TRUST ISHARES COM 464285105 315 25,309 SH   SOLE   0 0 25,309
MARKET VECTORS ETF TR GOLD MINER ETF COM 57060U100 320 13,558 SH   SOLE   0 0 13,558
ISHARES GLOBAL ENERG ETF COM 464287341 328 7,500 SH   SOLE   0 0 7,500
SELECT SECTOR SPDR TR SBI INT-UTILS COM 81369Y886 330 7,961 SH   SOLE   0 0 7,961
SPDR SERIES TRUST BARC SHT TR CP COM 78464A474 347 11,271 SH   SOLE   0 0 11,271
EXXON MOBIL CORP COM COM 30231G102 392 4,012 SH   SOLE   0 0 4,012
VANGUARD INDEX FDS TOTAL STK MKT COM 922908769 414 4,247 SH   SOLE   0 0 4,247
REGENERON PHARMACEUTICALS COM COM 75886F107 420 1,400 SH   SOLE   0 0 1,400
SPDR SERIES TRUST S&P REGL BKG COM 78464A698 477 11,533 SH   SOLE   0 0 11,533
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF COM 921943858 178 11,586 SH   SOLE   0 0 11,586
SPDR GOLD TRUST GOLD SHS COM 78463V107 658 5,326 SH   SOLE   0 0 5,326
DU PONT E I DE NEMOURS & CO COM COM 263534109 708 10,564 SH   SOLE   0 0 10,564
SPDR SERIES TRUST S&P DIVID ETF COM 78464A763 739 10,047 SH   SOLE   0 0 10,047
LORILLARD INC COM COM 544147101 826 15,270 SH   SOLE   0 0 15,270
ABBOTT LABS COM COM 2824100 872 22,632 SH   SOLE   0 0 22,632
ENERGIZER HLDGS INC COM COM 29266R108 879 8,725 SH   SOLE   0 0 8,725
JOHNSON & JOHNSON COM COM 478160104 929 9,460 SH   SOLE   0 0 9,460
CHEVRON CORP NEW COM COM 166764100 934 7,851 SH   SOLE   0 0 7,851
SPDR SERIES TRUST BRC HGH YLD BD COM 78464A417 953 23,065 SH   SOLE   0 0 23,065
VANGUARD BD INDEX FD INC TOTAL BND MRKT COM 921937835 1,009 12,425 SH   SOLE   0 0 12,425
TARGET CORP COM COM 87612E106 1,048 17,319 SH   SOLE   0 0 17,319
ISHARES IBOXX HI YD ETF COM 464288513 1,119 11,853 SH   SOLE   0 0 11,853
CONOCOPHILLIPS COM COM 20825C104 1,174 16,681 SH   SOLE   0 0 16,681
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF COM 922042858 1,258 31,000 SH   SOLE   0 0 31,000
COACH INC COM COM 189754104 1,308 26,332 SH   SOLE   0 0 26,332
WHIRLPOOL CORP COM COM 963320106 1,353 9,055 SH   SOLE   0 0 9,055
TOTAL S A SPONSORED ADR ADR 89151E109 1,387 21,136 SH   SOLE   0 0 21,136
FIFTH THIRD BANCORP COM COM 316773100 1,439 62,703 SH   SOLE   0 0 62,703
PFIZER INC COM COM 717081103 1,482 46,124 SH   SOLE   0 0 46,124
DEERE & CO COM COM 244199105 1,496 16,475 SH   SOLE   0 0 16,475
TEVA PHARMACEUTICAL INDS LTD ADR ADR 881624209 1,504 28,462 SH   SOLE   0 0 28,462
AMGEN INC COM COM 31162100 1,504 12,197 SH   SOLE   0 0 12,197
US BANCORP DEL COM NEW COM 902973304 1,536 35,847 SH   SOLE   0 0 35,847
CISCO SYS INC COM COM 17275R102 1,540 68,716 SH   SOLE   0 0 68,716
GENERAL ELECTRIC CO COM COM 369604103 1,556 60,087 SH   SOLE   0 0 60,087
BB&T CORP COM COM 54937107 1,576 39,234 SH   SOLE   0 0 39,234
WELLS FARGO & CO NEW COM COM 949746101 1,577 31,700 SH   SOLE   0 0 31,700
SELECT SECTOR SPDR TR SBI INT-ENERGY COM 81369Y506 1,588 17,832 SH   SOLE   0 0 17,832
CATERPILLAR INC DEL COM COM 149123101 1,596 16,065 SH   SOLE   0 0 16,065
ABBVIE INC COM COM 00287Y109 1,628 31,683 SH   SOLE   0 0 31,683
ISHARES U.S. TECH ETF COM 464287721 1,976 21,699 SH   SOLE   0 0 21,699
SPDR INDEX SHS FDS S&P WRLD EX US COM 78463X889 1,828 62,211 SH   SOLE   0 0 62,211
FOOT LOCKER INC COM COM 344849104 1,861 39,613 SH   SOLE   0 0 39,613
ISHARES RUS MID-CAP ETF COM 464287499 2,016 13,037 SH   SOLE   0 0 13,037
MICROSOFT CORP COM COM 594918104 2,134 52,055 SH   SOLE   0 0 52,055
ISHARES RUSSELL 2000 ETF COM 464287655 2,294 19,715 SH   SOLE   0 0 19,715
INTEL CORP COM COM 458140100 3,934 92,727 SH   SOLE   0 0 92,727
SPDR SERIES TRUST DJ REIT ETF COM 78464A607 2,681 34,357 SH   SOLE   0 0 34,357
APPLE INC COM COM 37833100 3,028 5,641 SH   SOLE   0 0 5,641
WISDOMTREE TR EMERG MKTS ETF COM 97717W315 3,495 71,224 SH   SOLE   0 0 71,224
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF COM 922042874 4,624 78,443 SH   SOLE   0 0 78,443
SPDR SERIES TRUST BRCLYS INTL ETF COM 78464A516 4,850 81,673 SH   SOLE   0 0 81,673
ISHARES EAFE SML CP ETF COM 464288273 5,247 100,512 SH   SOLE   0 0 100,512
ISHARES IBOXX INV CP ETF COM 464287242 5,322 45,510 SH   SOLE   0 0 45,510
ISHARES MSCI EMG MKT ETF COM 464287234 5,324 129,810 SH   SOLE   0 0 129,810
ISHARES CORE S&P SCP ETF COM 464287804 7,797 70,788 SH   SOLE   0 0 70,788
SELECT SECTOR SPDR TR SBI HEALTHCARE COM 81369Y209 8,641 147,728 SH   SOLE   0 0 147,728
ISHARES RUS 1000 VAL ETF COM 464287598 15,078 156,251 SH   SOLE   40,759 0 115,492
ISHARES 20+ YR TR BD ETF COM 464287432 11,692 107,165 SH   SOLE   0 0 107,165
ISHARES RUS 2000 VAL ETF COM 464287630 16,482 163,443 SH   SOLE   40,740 0 122,703
ISHARES CORE S&P MCP ETF COM 464287507 12,219 88,886 SH   SOLE   0 0 88,886
ISHARES MSCI EAFE ETF COM 464287465 16,396 243,985 SH   SOLE   0 0 243,985
ISHARES CORE S&P500 ETF COM 464287200 66,206 351,896 SH   SOLE   0 0 351,896
ISHARES CORE TOTUSBD ETF COM 464287226 35,157 325,802 SH   SOLE   0 0 325,802
SPDR S&P 500 ETF TR COM 78462F103 33,372 178,451 SH   SOLE   21,369 0 157,082
POWERSHARES ETF TRUST II SENIOR LN PORT COM 73936Q769 9,971 396,114 SH   SOLE   0 0 396,114
ISHARES NASDAQ BIOTECH COM 464287556 384 1,624 SH   SOLE   0 0 1,624
ISHARES US DJ PHARMA INDEX COM 464288836 6,428 50,738 SH   SOLE   0 0 50,738
POWERSHARESQQQ TRUST UNIT SER 1 COM 73935A104 7,399 84,398 SH   SOLE   45,800 0 38,598
SELECT SECTOR SPDR TR SBI INT-FINL COM 81369Y605 8,818 126,573 SH   SOLE   95,754 0 30,819