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
Navient Corporation COM 63938C108 2,551 222,797 SH   SOLE 98,542 0 124,255
PowerShares US 1000 COM 73935X583 12,986 149,560 SH   SOLE 61,845 0 87,715
Apollo Education Group, Inc. COM 037604105 1,060 138,181 SH   SOLE 59,211 0 78,970
iShares MSCI USA Min Vol COM 46429B697 4,835 115,620 SH   SOLE 44,155 0 71,465
WisdomTree Europe Hedged S/M COM 97717X552 2,068 84,205 SH   SOLE 35,380 0 48,825
Potash Corp. COM 73755L107 1,420 82,918 SH   SOLE 37,716 0 45,202
Voya Financial Inc. COM 929089100 2,964 80,315 SH   SOLE 34,935 0 45,380
Pfizer COM 717081103 2,068 64,074 SH   SOLE 27,797 0 36,277
WisdomTree Japan Hedged COM 97717W851 2,953 58,961 SH   SOLE 22,847 0 36,114
Deutsche MSCI Europe Hedged COM 233051853 1,362 52,670 SH   SOLE 20,510 0 32,160
WisdomTree Intl Hedged COM 97717x594 1,309 49,510 SH   SOLE 19,530 0 29,980
iShares MSCI EAFE Min Vol COM 46429B689 3,164 48,767 SH   SOLE 19,825 0 28,942
Southern Co. COM 842587107 2,192 46,851 SH   SOLE 20,596 0 26,255
Qualcomm Inc. COM 747525103 2,271 45,427 SH   SOLE 21,127 0 24,300
Verizon Communications COM 92343V104 1,950 42,179 SH   SOLE 18,745 0 23,434
GameStop Corp COM 36467W109 939 33,482 SH   SOLE 14,709 0 18,773
Visa, Inc. COM 92826C839 2,538 32,727 SH   SOLE 14,248 0 18,479
Verisk Analytics Inc COM 92345Y106 2,474 32,176 SH   SOLE 14,019 0 18,157
Cerner Corporation COM 156782104 1,846 30,683 SH   SOLE 13,361 0 17,322
Johnson & Johnson COM 478160104 3,124 30,412 SH   SOLE 13,815 0 16,597
Deutsche MSCI EAFE Hedged COM 233051200 817 30,070 SH   SOLE 12,490 0 17,580
Check Point Software COM M22465104 2,412 29,636 SH   SOLE 12,750 0 16,886
WisdomTree Europe Hedged COM 97717X701 1,584 29,436 SH   SOLE 11,806 0 17,630
Vanguard Mid-Cap ETF COM 922908629 3,503 29,165 SH   SOLE 11,730 0 17,435
Nestle SA COM 641069406 2,062 27,704 SH   SOLE 11,798 0 15,906
Berkshire Hathaway Cl B COM 084670207 3,386 25,644 SH   SOLE 11,653 0 13,991
MasterCard Inc COM 57636Q104 2,422 24,872 SH   SOLE 10,723 0 14,149
Schlumberger Ltd COM 806857108 1,694 24,286 SH   SOLE 10,906 0 13,380
Pepsico COM 713448108 2,378 23,795 SH   SOLE 10,365 0 13,430
American Express COM 025816109 1,606 23,095 SH   SOLE 10,313 0 12,782
Norfolk Southern Corp. COM 655844108 1,929 22,806 SH   SOLE 9,865 0 12,941
United Parcel Service COM 911312106 2,176 22,609 SH   SOLE 9,914 0 12,695
Apple Inc. COM 037833100 2,302 21,865 SH   SOLE 8,903 0 12,962
Vanguard World ex-US S/M COM 922042718 1,925 20,722 SH   SOLE 8,122 0 12,600
Novartis AG COM 66987V109 1,724 20,033 SH   SOLE 8,802 0 11,231
Disney COM 254687106 2,031 19,327 SH   SOLE 8,423 0 10,904
Gilead Sciences Inc COM 375558103 1,827 18,058 SH   SOLE 7,796 0 10,262
Diageo PLC COM 25243Q205 1,919 17,594 SH   SOLE 7,646 0 9,948
Thermo Fisher Scientific COM 883556102 2,375 16,741 SH   SOLE 7,239 0 9,502
Western Digital Corp. COM 958102105 949 15,808 SH   SOLE 6,948 0 8,860
Boeing COM 97023105 2,091 14,460 SH   SOLE 6,364 0 8,096
IBM Corp COM 459200101 1,776 12,906 SH   SOLE 5,651 0 7,255