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
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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
VANGUARD INDEX FDS TOTAL STK MKT COM 922908769 212,685 1,987 SH   SOLE   0 0 1,987
BB&T CORP COM COM 54937107 217,956 5,407 SH   SOLE   0 0 5,407
PHILLIPS 66 COM COM 718546104 226,934 2,817 SH   SOLE   0 0 2,817
MARKET VECTORS ETF TR GOLD MINER ETF COM 57060U100 230,880 13,000 SH   SOLE   0 0 13,000
POWERSHARES QQQ TRUST UNIT SER 1 COM 73935A104 232,877 2,175 SH   SOLE   0 0 2,175
ABBOTT LABS COM COM 2824100 233,866 4,765 SH   SOLE   0 0 4,765
ISHARES TR FLTG RATE BD ETF COM 46429B655 259,039 5,115 SH   SOLE   0 0 5,115
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX COM 921932885 297,032 2,927 SH   SOLE   0 0 2,927
ISHARES TR CHINA LG-CAP ETF COM 464287184 300,480 6,518 SH   SOLE   0 0 6,518
ISHARES GOLD TRUST ISHARES COM 464285105 318,926 28,124 SH   SOLE   0 0 28,124
SELECT SECTOR SPDR TR SBI INT-FINL COM 81369Y605 4,192,092 171,948 SH   SOLE   157,890 0 14,058
ISHARES TR GLOBAL ENERG ETF COM 464287341 402,270 11,500 SH   SOLE   0 0 11,500
KINDER MORGAN INC DEL COM COM 49456B101 442,819 11,535 SH   SOLE   0 0 11,535
SPDR GOLD TRUST GOLD SHS COM 78463V107 510,946 4,547 SH   SOLE   0 0 4,547
SPDR SERIES TRUST S&P REGL BKG COM 78464A698 512,182 11,598 SH   SOLE   0 0 11,598
ISHARES EAFE SML CP ETF COM 464288273 541,696 10,617 SH   SOLE   0 0 10,617
VANGUARD CHARLOTTE FDS INTL BD IDX ETF COM 92203J407 578,458 11,046 SH   SOLE   0 0 11,046
SPDR INDEX SHS FDS EURO STOXX 50 COM 78463X202 661,479 17,672 SH   SOLE   0 0 17,672
REGENERON PHARMACEUTICALS COM COM 75886F107 714,182 1,400 SH   SOLE   0 0 1,400
VANGUARD BD INDEX FD INC TOTAL BND MRKT COM 921937835 778,291 9,578 SH   SOLE   0 0 9,578
SPDR SERIES TRUST S&P DIVID ETF COM 78464A763 824,113 10,814 SH   SOLE   0 0 10,814
DU PONT E I DE NEMOURS & CO COM COM 263534109 925,346 14,470 SH   SOLE   0 0 14,470
ISHARES GRWT ALLOCAT ETF COM 464289867 1,006,892 24,837 SH   SOLE   0 0 24,837
POTASH CORP SASK INC COM COM 73755L107 1,061,806 34,285 SH   SOLE   0 0 34,285
SCHLUMBERGER LTD COM COM 806857108 1,167,875 13,550 SH   SOLE   0 0 13,550
ISHARES TR RUSSELL 2000 ETF COM 464287655 1,204,647 9,648 SH   SOLE   0 0 9,648
ENERGIZER HLDGS INC COM COM 29266R108 1,215,138 9,237 SH   SOLE   0 0 9,237
EXXON MOBIL CORP COM COM 30231G102 1,238,389 14,884 SH   SOLE   0 0 14,884
GENERAL ELECTRIC CO COM COM 369604103 1,362,046 51,263 SH   SOLE   0 0 51,263
AT&T INC COM COM 00206R102 1,438,560 40,500 SH   SOLE   0 0 40,500
CAPITAL ONE FINL CORP COM COM 14040H105 1,478,512 16,807 SH   SOLE   0 0 16,807
PIMCO ETF TR 0-5 HIGH YIELD COM 72201R783 1,894,593 18,971 SH   SOLE   0 0 18,971
UNITED TECHNOLOGIES CORP COM COM 913017109 1,934,278 17,437 SH   SOLE   0 0 17,437
SPDR INDEX SHS FDS S&P WRLD EX US COM 78463X889 1,943,779 69,124 SH   SOLE   0 0 69,124
ISHARES TR RUS MID-CAP ETF COM 464287499 1,949,154 11,445 SH   SOLE   0 0 11,445
INTEL CORP COM COM 458140100 1,985,429 65,278 SH   SOLE   0 0 65,278
PHILIP MORRIS INTL INC COM COM 718172109 2,016,717 25,156 SH   SOLE   0 0 25,156
US BANCORP DEL COM NEW COM 902973304 2,069,867 47,693 SH   SOLE   0 0 47,693
ISHARES TR MSCI INDONIA ETF COM 46429B309 2,071,838 89,419 SH   SOLE   0 0 89,419
WHIRLPOOL CORP COM COM 963320106 2,091,200 12,084 SH   SOLE   0 0 12,084
LAS VEGAS SANDS CORP COM COM 517834107 2,120,192 40,331 SH   SOLE   0 0 40,331
MICROSOFT CORP COM COM 594918104 2,181,678 49,415 SH   SOLE   0 0 49,415
WELLS FARGO & CO NEW COM COM 949746101 2,205,907 39,223 SH   SOLE   0 0 39,223
ROYAL BK CDA MONTREAL QUE COM COM 780087102 2,210,516 36,149 SH   SOLE   0 0 36,149
JOHNSON & JOHNSON COM COM 478160104 2,229,895 22,880 SH   SOLE   0 0 22,880
POWERSHARES ETF TRUST II SENIOR LN PORT COM 73936Q769 2,340,536 98,383 SH   SOLE   0 0 98,383
ISHARES MSCI JAPAN ETF COM 464286848 2,387,541 186,381 SH   SOLE   0 0 186,381
SPDR SERIES TRUST BRCLYS INTL ETF COM 78464A516 2,391,932 45,981 SH   SOLE   0 0 45,981
ISHARES TR 20+ YR TR BD ETF COM 464287432 2,439,939 20,773 SH   SOLE   0 0 20,773
MARKET VECTORS ETF TR MKTVEC INTMUETF COM 57060U845 2,525,658 108,888 SH   SOLE   0 0 108,888
AMGEN INC COM COM 31162100 2,612,701 17,019 SH   SOLE   0 0 17,019
E M C CORP MASS COM COM 268648102 2,799,785 106,093 SH   SOLE   0 0 106,093
GILEAD SCIENCES INC COM COM 375558103 2,837,329 24,234 SH   SOLE   0 0 24,234
PFIZER INC COM COM 717081103 2,887,196 86,108 SH   SOLE   0 0 86,108
FIFTH THIRD BANCORP COM COM 316773100 3,322,943 159,603 SH   SOLE   0 0 159,603
GOOGLE INC CL A COM 38259P508 3,482,718 6,449 SH   SOLE   0 0 6,449
WISDOMTREE TR EUROPE SMCP DV COM 97717W869 4,052,655 70,913 SH   SOLE   0 0 70,913
ABBVIE INC COM COM 00287Y109 4,113,081 61,216 SH   SOLE   0 0 61,216
ISHARES TR U.S. TECH ETF COM 464287721 4,391,099 41,952 SH   SOLE   0 0 41,952
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF COM 921943858 4,492,842 113,313 SH   SOLE   0 0 113,313
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF COM 922042874 5,078,449 94,080 SH   SOLE   0 0 94,080
SPDR SERIES TRUST S&P BK ETF COM 78464A797 5,144,931 141,890 SH   SOLE   0 0 141,890
SELECT SECTOR SPDR TR SBI INT-ENERGY COM 81369Y506 5,193,527 69,100 SH   SOLE   0 0 69,100
APPLE INC COM COM 37833100 5,369,016 42,807 SH   SOLE   0 0 42,807
SELECT SECTOR SPDR TR SBI CONS STPLS COM 81369Y308 8,235,514 173,015 SH   SOLE   53,730 0 119,285
SELECT SECTOR SPDR TR SBI CONS DISCR COM 81369Y407 8,288,902 108,380 SH   SOLE   33,650 0 74,730
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF COM 922042858 5,722,565 139,984 SH   SOLE   0 0 139,984
ISHARES TR IBOXX INV CP ETF COM 464287242 5,819,007 50,285 SH   SOLE   0 0 50,285
ISHARES TR MSCI EMG MKT ETF COM 464287234 6,291,502 158,796 SH   SOLE   0 0 158,796
ISHARES INC CORE MSCI EMKT COM 46434G103 6,626,402 137,935 SH   SOLE   0 0 137,935
ISHARES IBOXX HI YD ETF COM 464288513 7,117,773 80,155 SH   SOLE   0 0 80,155
MARKET VECTORS ETF TR SEMICONDUCTOR COM 57060U233 8,382,552 153,611 SH   SOLE   0 0 153,611
ISHARES U.S. PHARMA ETF COM 464288836 12,619,707 72,187 SH   SOLE   0 0 72,187
SELECT SECTOR SPDR TR SBI HEALTHCARE COM 81369Y209 12,837,819 172,575 SH   SOLE   0 0 172,575
ISHARES TR CORE S&P SCP ETF COM 464287804 13,355,808 113,300 SH   SOLE   0 0 113,300
ISHARES TR NASDQ BIOTEC ETF COM 464287556 14,002,888 37,951 SH   SOLE   0 0 37,951
ISHARES TR CORE US AGGBD ET COM 464287226 14,898,433 136,959 SH   SOLE   0 0 136,959
ISHARES TR MSCI EAFE ETF COM 464287465 17,915,096 282,172 SH   SOLE   0 0 282,172
ISHARES TR CORE S&P MCP ETF COM 464287507 21,371,170 142,493 SH   SOLE   0 0 142,493
SPDR S&P 500 ETF TR TR UNIT COM 78462F103 29,224,525 141,970 SH   SOLE   18,334 0 123,636
ISHARES TR CORE S&P500 ETF COM 464287200 93,327,402 450,378 SH   SOLE   0 0 450,378
ISHARES TR RUS 2000 GRW ETF COM 464287648 3,706,828 23,980 SH   SOLE   23,980 0 0