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
Annaly Capital Management COM 035710409 2,183 201,940 SH   SOLE 92,417 0 109,523
PowerShares US 1000 COM 73935X583 13,538 148,066 SH   SOLE 64,835 0 83,231
Bank of America COM 060505104 2,458 137,398 SH   SOLE 61,298 0 76,100
Navient Corporation COM 63938C108 2,940 136,040 SH   SOLE 61,370 0 74,670
Voya Financial Inc. COM 929089100 3,801 89,700 SH   SOLE 40,325 0 49,375
WisdomTree Total Dividend COM 97717W109 6,424 85,930 SH   SOLE 36,530 0 49,400
General Electric COM 369604103 2,130 84,283 SH   SOLE 39,630 0 44,653
Vanguard Emerging Markets COM 922042858 2,991 74,737 SH   SOLE 31,923 0 42,814
Pfizer COM 717081103 2,131 68,415 SH   SOLE 31,617 0 36,798
Rayonier COM 754907103 1,456 52,100 SH   SOLE 23,235 0 28,865
Southern Co. COM 842587107 2,341 47,660 SH   SOLE 21,560 0 26,100
Vanguard Total Stock Market COM 922908769 4,951 46,706 SH   SOLE 21,406 0 25,300
WisdomTree Emerging S/M COM 97717W281 1,974 45,736 SH   SOLE 16,796 0 28,940
WisdomTree Japan Hedged COM 97717W851 2,186 44,402 SH   SOLE 17,652 0 26,750
Qualcomm Inc. COM 747525103 3,187 42,880 SH   SOLE 20,235 0 22,645
Cerner Corporation COM 156782104 2,760 42,678 SH   SOLE 19,480 0 23,198
Verisk Analytics Inc COM 92345Y106 2,346 36,621 SH   SOLE 16,542 0 20,079
Check Point Software COM M22465104 2,696 34,310 SH   SOLE 15,443 0 18,867
Walgreens Boots Alliance COM 931427108 2,531 33,209 SH   SOLE 15,345 0 17,864
Vanguard Mid-Cap ETF COM 922908629 3,973 32,153 SH   SOLE 12,493 0 19,660
Wal-Mart Stores COM 931142103 2,590 30,157 SH   SOLE 14,458 0 15,699
Berkshire Hathaway Cl B COM 084670207 4,292 28,583 SH   SOLE 13,117 0 15,466
MasterCard Inc COM 57636Q104 2,453 28,472 SH   SOLE 12,767 0 15,705
Exxon Mobil COM 30231G102 2,388 25,825 SH   SOLE 14,232 0 11,593
Pepsico COM 713448108 2,377 25,140 SH   SOLE 11,157 0 13,983
Apple Inc. COM 037833100 2,715 24,596 SH   SOLE 10,683 0 13,913
Schlumberger Ltd COM 806857108 2,076 24,303 SH   SOLE 10,941 0 13,362
Norfolk Southern Corp. COM 655844108 2,601 23,726 SH   SOLE 10,534 0 13,192
United Parcel Service COM 911312106 2,582 23,226 SH   SOLE 10,492 0 12,734
Vanguard World ex-US S/M COM 922042718 2,158 22,641 SH   SOLE 8,978 0 13,663
Coca Cola COM 191216100 798 18,902 SH   SOLE 9,357 0 9,545
Cummins Inc COM 231021106 2,202 15,276 SH   SOLE 7,081 0 8,195
Johnson & Johnson COM 478160104 1,314 12,563 SH   SOLE 5,966 0 6,597
Visa, Inc. COM 92826C839 2,640 10,070 SH   SOLE 4,496 0 5,574
Thermo Fisher Scientific COM 883556102 1,256 10,022 SH   SOLE 4,525 0 5,497