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
FTSE RAFI US 1000 COM 73935X583 13,392 161,472 SH   SOLE 68,562 0 92,910
Bank of America COM 060505104 2,104 135,126 SH   SOLE 60,686 0 74,440
ING U.S., Inc. COM 45685E106 2,857 81,290 SH   SOLE 36,510 0 44,780
General Electric COM 369604103 2,224 79,339 SH   SOLE 35,951 0 43,388
Vanguard Total Stock Market COM 922908769 6,761 70,485 SH   SOLE 30,070 0 40,415
Expeditors Intl of Washington COM 302130109 3,041 68,730 SH   SOLE 30,575 0 38,155
Pfizer COM 717081103 2,056 67,135 SH   SOLE 30,222 0 36,913
MSCI Emerging Markets COM 922042858 2,617 63,614 SH   SOLE 26,779 0 36,835
Barrick Gold Corp COM 067901108 979 55,549 SH   SOLE 25,276 0 30,273
Qualcomm Inc. COM 747525103 3,225 43,440 SH   SOLE 19,590 0 23,850
Vanguard High Dividend Yield ETF COM 921946406 2,506 40,210 SH   SOLE 19,880 0 20,330
WisdomTree Japan Hedged Equity COM 97717W851 2,013 39,593 SH   SOLE 16,423 0 23,170
Vanguard FTSE All-World ex-US ETF COM 922042775 1,933 38,094 SH   SOLE 15,513 0 22,581
Walgreens COM 931422109 2,144 37,318 SH   SOLE 16,501 0 20,817
FTSE US Small-Mid Fundamental Index COM 73935X567 3,521 36,025 SH   SOLE 13,235 0 22,790
Check Point Software Technologies Ltd COM M22465104 2,138 33,155 SH   SOLE 14,901 0 18,254
Total SA COM 89151E109 1,998 32,606 SH   SOLE 14,331 0 18,275
Berkshire Hathaway Cl B COM 084670207 3,509 29,596 SH   SOLE 13,365 0 16,231
Vanguard Mid-Cap ETF COM 922908629 3,249 29,530 SH   SOLE 11,440 0 18,090
Disney (Walt) COM 254687106 2,229 29,173 SH   SOLE 13,383 0 15,790
Valeant Pharmaceuticals COM 91911K102 3,402 28,975 SH   SOLE 13,143 0 15,832
Novartis AG COM 66987V109 2,230 27,741 SH   SOLE 12,507 0 15,234
Bed Bath & Beyond COM 075896100 2,021 25,162 SH   SOLE 11,410 0 13,752
PNC Financial Services Group COM 693475105 1,945 25,074 SH   SOLE 11,109 0 13,965
Norfolk Southern Corp. COM 655844108 2,250 24,240 SH   SOLE 10,617 0 13,623
Exxon Mobil COM 30231G102 2,449 24,202 SH   SOLE 13,349 0 10,853
Schlumberger Ltd COM 806857108 2,138 23,731 SH   SOLE 10,058 0 13,673
Thermo Fisher Scientific COM 883556102 2,559 22,979 SH   SOLE 10,825 0 12,154
United Parcel Service COM 911312106 2,357 22,434 SH   SOLE 10,119 0 12,315
Pepsico COM 713448108 1,677 20,216 SH   SOLE 9,113 0 11,103
McDonalds COM 580135101 1,800 18,553 SH   SOLE 8,132 0 10,421
Costco Wholesale COM 22160K105 1,928 16,202 SH   SOLE 7,307 0 8,895
FTSE RAFI Emerging Market COM 73936T763 296 14,430 SH   SOLE 780 0 13,650
Automatic Data Processing, Inc COM 053015103 1,147 14,197 SH   SOLE 6,415 0 7,782
Visa, Inc. COM 92826C839 2,529 11,356 SH   SOLE 5,253 0 6,103
Goldman Sachs COM 38141G104 1,988 11,215 SH   SOLE 5,073 0 6,142