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
FTSE RAFI US 1000 COM 73935X583 12,103 142,990 SH   SOLE 67,185 0 75,805
Bank of America COM 060505104 2,230 129,668 SH   SOLE 61,638 0 68,030
Vanguard Total Stock Market COM 922908769 11,110 113,988 SH   SOLE 53,783 0 60,205
Annaly Capital Management COM 035710409 1,068 97,400 SH   SOLE 45,987 0 51,413
Voya Financial Inc. COM 929089100 3,253 89,680 SH   SOLE 42,355 0 47,325
General Electric COM 369604103 2,165 83,613 SH   SOLE 40,050 0 43,563
Vanguard MSCI Emerging Markets COM 922042858 3,013 74,240 SH   SOLE 33,790 0 40,450
Expeditors Intl of Washington COM 302130109 2,908 73,370 SH   SOLE 34,110 0 39,260
Agnico Eagle Mines Ltd COM 008474108 2,099 69,396 SH   SOLE 32,714 0 36,682
Pfizer COM 717081103 2,226 69,290 SH   SOLE 32,857 0 36,433
Barrick Gold Corp COM 067901108 1,081 60,604 SH   SOLE 28,452 0 32,152
Rayonier COM 754907103 2,102 45,775 SH   SOLE 21,900 0 23,875
Qualcomm Inc. COM 747525103 3,511 44,522 SH   SOLE 21,552 0 22,970
WisdomTree Japan Hedged Equity COM 97717W851 2,056 43,425 SH   SOLE 19,325 0 24,100
Vanguard FTSE All-World ex-US ETF COM 922042775 2,085 41,446 SH   SOLE 18,305 0 23,141
Walgreens COM 931422109 2,574 38,982 SH   SOLE 18,316 0 20,666
FTSE US Small-Mid Fundamental Index COM 73935X567 3,701 37,297 SH   SOLE 14,587 0 22,710
Check Point Software Technologies Ltd COM M22465104 2,386 35,280 SH   SOLE 16,663 0 18,617
Total SA COM 89151E109 2,293 34,950 SH   SOLE 16,343 0 18,607
Vanguard Mid-Cap ETF COM 922908629 3,823 33,655 SH   SOLE 14,175 0 19,480
Disney (Walt) COM 254687106 2,478 30,954 SH   SOLE 14,612 0 16,342
Berkshire Hathaway Cl B COM 084670207 3,825 30,608 SH   SOLE 14,625 0 15,983
Coca Cola COM 191216100 1,133 29,307 SH   SOLE 13,775 0 15,532
Novartis AG COM 66987V109 2,404 28,276 SH   SOLE 13,570 0 14,706
Bed Bath & Beyond COM 075896100 1,943 28,238 SH   SOLE 13,831 0 14,407
MasterCard Inc COM 57636Q104 2,019 27,025 SH   SOLE 12,893 0 14,132
PNC Financial Services Group COM 693475105 2,310 26,556 SH   SOLE 12,544 0 14,012
Valeant Pharmaceuticals COM 91911K102 3,455 26,211 SH   SOLE 12,604 0 13,607
Pepsico COM 713448108 2,165 25,931 SH   SOLE 12,120 0 13,811
Exxon Mobil COM 30231G102 2,491 25,503 SH   SOLE 14,472 0 11,031
Schlumberger Ltd COM 806857108 2,448 25,103 SH   SOLE 11,391 0 13,712
Norfolk Southern Corp. COM 655844108 2,431 25,018 SH   SOLE 11,821 0 13,197
Teradata Corp. COM 88076W103 1,200 24,403 SH   SOLE 11,725 0 12,678
United Parcel Service COM 911312106 2,259 23,195 SH   SOLE 11,137 0 12,058
McDonalds COM 580135101 2,022 20,625 SH   SOLE 9,664 0 10,961
Costco Wholesale COM 22160K105 1,974 17,676 SH   SOLE 8,451 0 9,225
Verisk Analytics Inc COM 92345Y106 1,004 16,744 SH   SOLE 7,998 0 8,746
FTSE RAFI Emerging Market COM 73936T763 324 16,305 SH   SOLE 1,180 0 15,125
Automatic Data Processing, Inc COM 053015103 1,119 14,481 SH   SOLE 6,764 0 7,717
Goldman Sachs COM 38141G104 2,018 12,315 SH   SOLE 5,804 0 6,511
Johnson & Johnson COM 478160104 1,176 11,972 SH   SOLE 6,039 0 5,933