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
GOOGLE INC CL A COM 38259P508 1,380 2,345 SH   SOLE   0 0 2,345
ISHARES TR TIPS BD ETF COM 464287176 272 2,426 SH   SOLE   0 0 2,426
PHILLIPS 66 COM COM 718546104 213 2,617 SH   SOLE   0 0 2,617
VANGUARD INDEX FDS TOTAL STK MKT COM 922908769 316 3,124 SH   SOLE   0 0 3,124
EXXON MOBIL CORP COM COM 30231G102 339 3,604 SH   SOLE   0 0 3,604
DOW CHEM CO COM COM 260543103 236 4,500 SH   SOLE   0 0 4,500
SPDR GOLD TRUST GOLD SHS COM 78463V107 283 5,015 SH   SOLE   0 0 5,015
ISHARES TR CHINA LG-CAP ETF COM 464287184 216 5,652 SH   SOLE   0 0 5,652
ABBOTT LABS COM COM 2824100 237 5,700 SH   SOLE   0 0 5,700
AT&T INC COM COM 00206R102 210 5,960 SH   SOLE   0 0 5,960
ISHARES TR RUSSELL 2000 ETF COM 464287655 731 6,686 SH   SOLE   0 0 6,686
ISHARES TR GLOBAL ENERG ETF COM 464287341 329 7,500 SH   SOLE   0 0 7,500
CHEVRON CORP NEW COM COM 166764100 977 8,190 SH   SOLE   0 0 8,190
ENERGIZER HLDGS INC COM COM 29266R108 1,052 8,541 SH   SOLE   0 0 8,541
ISHARES S&P GSCI COMMODITY I UNIT BEN INT COM 46428R107 254 8,570 SH   SOLE   0 0 8,570
WHIRLPOOL CORP COM COM 963320106 1,327 9,109 SH   SOLE   0 0 9,109
SPDR SERIES TRUST S&P DIVID ETF COM 78464A763 754 10,063 SH   SOLE   0 0 10,063
VANGUARD BD INDEX FD INC TOTAL BND MRKT COM 921937835 835 10,187 SH   SOLE   0 0 10,187
DU PONT E I DE NEMOURS & CO COM COM 263534109 768 10,706 SH   SOLE   0 0 10,706
CVS HEALTH CORP COM COM 126650100 877 11,013 SH   SOLE   0 0 11,013
SPDR SERIES TRUST S&P REGL BKG COM 78464A698 438 11,559 SH   SOLE   0 0 11,559
SELECT SECTOR SPDR TR SBI INT-ENERGY COM 81369Y506 1,056 11,650 SH   SOLE   0 0 11,650
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF COM 921943858 474 11,912 SH   SOLE   0 0 11,912
ISHARES TR RUS MID-CAP ETF COM 464287499 2,098 13,252 SH   SOLE   0 0 13,252
MARKET VECTORS ETF TR GOLD MINER ETF COM 57060U100 290 13,558 SH   SOLE   0 0 13,558
ISHARES IBOXX HI YD ETF COM 464288513 1,271 13,820 SH   SOLE   0 0 13,820
UNITED TECHNOLOGIES CORP COM COM 913017109 1,594 15,100 SH   SOLE   0 0 15,100
AMGEN INC COM COM 31162100 2,152 15,320 SH   SOLE   0 0 15,320
CATERPILLAR INC DEL COM COM 149123101 1,574 15,890 SH   SOLE   0 0 15,890
CONOCOPHILLIPS COM COM 20825C104 1,281 16,741 SH   SOLE   0 0 16,741
FOOT LOCKER INC COM COM 344849104 1,075 19,320 SH   SOLE   0 0 19,320
QUALCOMM INC COM COM 747525103 1,491 19,940 SH   SOLE   0 0 19,940
ISHARES TR NASDQ BIOTEC ETF COM 464287556 5,848 21,372 SH   SOLE   0 0 21,372
MEDTRONIC INC COM COM 585055106 1,403 22,645 SH   SOLE   0 0 22,645
ISHARES GOLD TRUST ISHARES COM 464285105 283 24,191 SH   SOLE   0 0 24,191
LORILLARD INC COM COM 544147101 1,510 25,198 SH   SOLE   0 0 25,198
TEVA PHARMACEUTICAL INDS LTD ADR ADR 881624209 1,510 28,086 SH   SOLE   0 0 28,086
SELECT SECTOR SPDR TR TECHNOLOGY COM 81369Y803 1,177 29,502 SH   SOLE   0 0 29,502
BARCLAYS BK PLC DJUBS CMDT ETN36 COM 06738C778 1,022 29,736 SH   SOLE   0 0 29,736
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF COM 922042858 1,254 30,061 SH   SOLE   0 0 30,061
WELLS FARGO & CO NEW COM COM 949746101 1,630 31,418 SH   SOLE   0 0 31,418
ISHARES TR RUS 2000 VAL ETF COM 464287630 2,984 31,891 SH   SOLE   0 0 31,891
SELECT SECTOR SPDR TR SBI INT-UTILS COM 81369Y886 1,366 32,449 SH   SOLE   0 0 32,449
XILINX INC COM COM 983919101 1,380 32,591 SH   SOLE   0 0 32,591
SPDR SERIES TRUST DJ REIT ETF COM 78464A607 2,711 33,976 SH   SOLE   0 0 33,976
US BANCORP DEL COM NEW COM 902973304 1,512 36,137 SH   SOLE   0 0 36,137
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD COM 92206C409 3,004 37,616 SH   SOLE   0 0 37,616
MICROSOFT CORP COM COM 594918104 1,747 37,685 SH   SOLE   0 0 37,685
APPLE INC COM COM 37833100 3,993 39,632 SH   SOLE   0 0 39,632
ISHARES TR IBOXX INV CP ETF COM 464287242 5,320 44,999 SH   SOLE   0 0 44,999
E M C CORP MASS COM COM 268648102 1,374 46,975 SH   SOLE   0 0 46,975
ABBVIE INC COM COM 00287Y109 2,734 47,328 SH   SOLE   0 0 47,328
PFIZER INC COM COM 717081103 1,402 47,421 SH   SOLE   0 0 47,421
INTEL CORP COM COM 458140100 1,814 52,089 SH   SOLE   0 0 52,089
CISCO SYS INC COM COM 17275R102 1,486 59,029 SH   SOLE   0 0 59,029
GENERAL ELECTRIC CO COM COM 369604103 1,558 60,818 SH   SOLE   0 0 60,818
SPDR INDEX SHS FDS S&P WRLD EX US COM 78463X889 1,800 63,457 SH   SOLE   0 0 63,457
ISHARES TR CORE S&P SCP ETF COM 464287804 7,520 72,097 SH   SOLE   0 0 72,097
ISHARES TR U.S. TECH ETF COM 464287721 7,822 77,631 SH   SOLE   0 0 77,631
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF COM 922042874 4,469 80,935 SH   SOLE   0 0 80,935
WISDOMTREE TR EMERG MKTS ETF COM 97717W315 3,878 81,173 SH   SOLE   0 0 81,173
SPDR SERIES TRUST BRCLYS INTL ETF COM 78464A516 4,748 82,760 SH   SOLE   0 0 82,760
FIFTH THIRD BANCORP COM COM 316773100 1,772 88,521 SH   SOLE   0 0 88,521
ISHARES TR RUS 1000 VAL ETF COM 464287598 13,931 139,183 SH   SOLE   44,134 0 95,049
ISHARES EAFE SML CP ETF COM 464288273 4,621 95,272 SH   SOLE   0 0 95,272
ISHARES TR CORE S&P MCP ETF COM 464287507 13,030 95,289 SH   SOLE   0 0 95,289
MARKET VECTORS ETF TR SEMICONDUCTOR COM 57060U233 6,281 122,944 SH   SOLE   0 0 122,944
SELECT SECTOR SPDR TR SBI HEALTHCARE COM 81369Y209 7,937 124,195 SH   SOLE   0 0 124,195
POWERSHARES QQQ TRUST UNIT SER 1 COM 73935A104 16,915 171,217 SH   SOLE   45,430 0 125,787
ISHARES TR MSCI EMG MKT ETF COM 464287234 5,463 131,454 SH   SOLE   0 0 131,454
SPDR S&P 500 ETF TR TR UNIT COM 78462F103 35,045 177,874 SH   SOLE   22,904 0 154,970
SELECT SECTOR SPDR TR SBI INT-FINL COM 81369Y605 7,540 325,408 SH   SOLE   111,140 0 214,268
ISHARES TR MSCI EAFE ETF COM 464287465 16,303 254,261 SH   SOLE   0 0 254,261
ISHARES TR CORE US AGGBD ET COM 464287226 32,318 296,192 SH   SOLE   0 0 296,192
ISHARES TR CORE S&P500 ETF COM 464287200 64,384 324,746 SH   SOLE   0 0 324,746