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
ISHARES TR S&P SMLCP GROW 464287887 417 11,037 SH   SOLE   0 0 11,037
ISHARES TR RUSSELL1000GRW 464287614 530 15,162 SH   SOLE   0 0 15,162
ISHARES TR RUSSELL 2000 464287655 1,666 40,001 SH   SOLE   0 0 40,001
AMAZON COM INC COM 023135106 300 4,203 SH   SOLE   0 0 4,203
E M C CORP MASS COM 268648102 118 10,526 SH   SOLE   0 0 10,526
EMERSON ELEC CO COM 291011104 261 9,328 SH   SOLE   0 0 9,328
BOEING CO COM 097023105 339 9,554 SH   SOLE   0 0 9,554
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 228 5,122 SH   SOLE   0 0 5,122
AMGEN INC COM 031162100 690 13,651 SH   SOLE   0 0 13,651
ABBOTT LABS COM 002824100 260 5,435 SH   SOLE   0 0 5,435
ALTRIA GROUP INC COM 02209S103 454 27,688 SH   SOLE   0 0 27,688
INTEL CORP COM 458140100 305 20,750 SH   SOLE   0 0 20,750
ORACLE CORP COM 68389X105 244 13,815 SH   SOLE   0 0 13,815
QUALCOMM INC COM 747525103 433 11,438 SH   SOLE   0 0 11,438
DISNEY WALT CO COM DISNEY 254687106 250 14,010 SH   SOLE   0 0 14,010
HONEYWELL INTL INC COM 438516106 700 25,156 SH   SOLE   0 0 25,156
SEMPRA ENERGY COM 816851109 787 17,521 SH   SOLE   0 0 17,521
JOHNSON & JOHNSON COM 478160104 720 13,588 SH   SOLE   0 0 13,588
PFIZER INC COM 717081103 349 25,482 SH   SOLE   0 0 25,482
ISHARES TR MSCI EAFE IDX 464287465 2,200 60,043 SH   SOLE   0 0 60,043
CHEVRON CORP NEW COM 166764100 639 9,566 SH   SOLE   0 0 9,566
MICROSOFT CORP COM 594918104 616 35,266 SH   SOLE   0 0 35,266
AT&T INC COM 00206R102 812 32,281 SH   SOLE   0 0 32,281
MOLSON COORS BREWING CO CL B 60871R209 263 7,673 SH   SOLE   0 0 7,673
CISCO SYS INC COM 17275R102 1,327 81,360 SH   SOLE   0 0 81,360
INTERNATIONAL BUSINESS MACHS COM 459200101 623 6,592 SH   SOLE   0 0 6,592
COCA COLA CO COM 191216100 631 14,358 SH   SOLE   0 0 14,358
LOCKHEED MARTIN CORP COM 539830109 337 4,882 SH   SOLE   0 0 4,882
PEPSICO INC COM 713448108 697 13,466 SH   SOLE   0 0 13,466
VERIZON COMMUNICATIONS INC COM 92343V104 521 17,244 SH   SOLE   0 0 17,244
ISHARES TR S&P NA NAT RES 464287374 1,177 49,859 SH   SOLE   0 0 49,859
SCHWAB CHARLES CORP NEW COM 808513105 271 18,861 SH   SOLE   0 0 18,861
BANK OF AMERICA CORPORATION COM 060505104 122 20,269 SH   SOLE   0 0 20,269
EXXON MOBIL CORP COM 30231G102 1,197 17,444 SH   SOLE   0 0 17,444
WYETH COM 983024100 237 5,503 SH   SOLE   0 0 5,503
WAL MART STORES INC COM 931142103 1,216 23,498 SH   SOLE   0 0 23,498
UNION PAC CORP COM 907818108 221 5,400 SH   SOLE   0 0 5,400
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 143 16,075 SH   SOLE   0 0 16,075
TOTAL S A SPONSORED ADR 89151E109 344 7,107 SH   SOLE   0 0 7,107
COLGATE PALMOLIVE CO COM 194162103 299 5,086 SH   SOLE   0 0 5,086
CVS CAREMARK CORPORATION COM 126650100 219 8,008 SH   SOLE   0 0 8,008
ENI S P A SPONSORED ADR 26874R108 256 6,838 SH   SOLE   0 0 6,838
SIEMENS A G SPONSORED ADR 826197501 293 5,317 SH   SOLE   0 0 5,317
PROCTER & GAMBLE CO COM 742718109 1,401 29,628 SH   SOLE   0 0 29,628
GENERAL ELECTRIC CO COM 369604103 583 58,718 SH   SOLE   0 0 58,718
GILEAD SCIENCES INC COM 375558103 429 9,401 SH   SOLE   0 0 9,401
GOLDMAN SACHS GROUP INC COM 38141G104 886 8,823 SH   SOLE   0 0 8,823
ING GROEP N V SPONSORED ADR 456837103 9,262 1,715,255 SH   SOLE   0 0 1,715,255
MCDONALDS CORP COM 580135101 272 5,049 SH   SOLE   0 0 5,049
JPMORGAN & CHASE & CO COM 46625H100 785 31,597 SH   SOLE   0 0 31,597
TJX COS INC NEW COM 872540109 683 26,546 SH   SOLE   0 0 26,546
HEWLETT PACKARD CO COM 428236103 1,344 41,845 SH   SOLE   0 0 41,845
FAMILY DLR STORES INC COM 307000109 207 6,132 SH   SOLE   0 0 6,132
WELLS FARGO & CO NEW COM 949746101 262 19,594 SH   SOLE   0 0 19,594
ISHARES TR BARCLYS 1-3 YR 464287457 974 11,569 SH   SOLE   0 0 11,569
MONSANTO CO NEW COM 61166W101 257 3,105 SH   SOLE   0 0 3,105
PROGRESSIVE CORP OHIO COM 743315103 2,133 166,793 SH   SOLE   0 0 166,793
FISERV INC COM 337738108 764 21,611 SH   SOLE   0 0 21,611
FORD MTR CO DEL COM PAR $0.01 345370860 125 45,316 SH   SOLE   0 0 45,316
ENCANA CORP COM 292505104 582 14,506 SH   SOLE   0 0 14,506
UNITED TECHNOLOGIES CORP COM 913017109 302 7,097 SH   SOLE   0 0 7,097
RYANAIR HLDGS PLC SPONSORED ADR 783513104 211 9,366 SH   SOLE   0 0 9,366
HUNTINGTON BANCSHARES INC COM 446150104 31 21,206 SH   SOLE   0 0 21,206
APPLE INC COM 037833100 1,471 14,078 SH   SOLE   0 0 14,078
ISHARES TR MSCI EMERG MKT 464287234 1,124 46,291 SH   SOLE   0 0 46,291
CITRIX SYS INC COM 177376100 262 11,877 SH   SOLE   0 0 11,877
AGNICO EAGLE MINES LTD COM 008474108 361 6,399 SH   SOLE   0 0 6,399
CHUBB CORP COM 171232101 279 6,828 SH   SOLE   0 0 6,828
FLUOR CORP NEW COM 343412102 207 5,947 SH   SOLE   0 0 5,947
GENZYME CORP COM 372917104 202 3,420 SH   SOLE   0 0 3,420
AXA SPONSORED ADR 054536107 129 11,193 SH   SOLE   0 0 11,193
DOW CHEM CO COM 260543103 1,680 202,439 SH   SOLE   0 0 202,439
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 49 13,730 SH   SOLE   0 0 13,730
MEDCO HEALTH SOLUTIONS INC COM 58405U102 217 5,489 SH   SOLE   0 0 5,489
SOUTHERN CO COM 842587107 396 13,051 SH   SOLE   0 0 13,051
GENTEX CORP COM 371901109 749 76,818 SH   SOLE   0 0 76,818
ISHARES TR BARCLYS US AGG B 464287226 3,976 39,391 SH   SOLE   0 0 39,391
ISHARES TR BARCLYS TIPS BD 464287176 2,476 23,972 SH   SOLE   0 0 23,972
ACTIVISION BLIZZARD INC COM 00507V109 730 71,378 SH   SOLE   0 0 71,378
AXIS CAPITAL HOLDINGS SHS G0692U109 215 9,944 SH   SOLE   0 0 9,944
JACOBS ENGR GROUP INC DEL COM 469814107 703 18,216 SH   SOLE   0 0 18,216
RENAISSANCERE HOLDINGS LTD COM G7496G103 263 5,450 SH   SOLE   0 0 5,450
HANCOCK JOHN PATRIOT PREM II COM SH BEN INT 41013T105 107 17,351 SH   SOLE   0 0 17,351
STATOILHYDRO ASA SPONSORED ADR 85771P102 195 11,219 SH   SOLE   0 0 11,219
DREAMWORKS ANIMATION SKG INC CL A 26153C103 247 11,631 SH   SOLE   0 0 11,631
GOOGLE INC CL A 38259P508 419 1,222 SH   SOLE   0 0 1,222
SPDR GOLD TRUST GOLD SHS 78463V107 1,580 17,565 SH   SOLE   0 0 17,565
FRONTIER OIL CORP COM 35914P105 1,101 84,923 SH   SOLE   0 0 84,923
AMERICAN FINL GROUP INC OHIO COM 025932104 609 39,072 SH   SOLE   0 0 39,072
MYRIAD GENETICS INC COM 62855J104 337 7,458 SH   SOLE   0 0 7,458
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 242 5,466 SH   SOLE   0 0 5,466
ARM HLDGS PLC SPONSORED ADR 042068106 74 16,607 SH   SOLE   0 0 16,607
ENZO BIOCHEM INC COM 294100102 44 11,000 SH   SOLE   0 0 11,000
NUVEEN MUN VALUE FD INC COM 670928100 174 19,671 SH   SOLE   0 0 19,671
ARCH CAP GROUP LTD ORD G0450A105 229 4,305 SH   SOLE   0 0 4,305
ELDORADO GOLD CORP NEW COM 284902103 132 15,000 SH   SOLE   0 0 15,000
ISHARES TR MSCI GRW IDX 464288885 1,027 27,179 SH   SOLE   0 0 27,179
BHP BILLITON PLC SPONSORED ADR 05545E209 277 7,334 SH   SOLE   0 0 7,334
ISHARES SILVER TRUST ISHARES 46428Q109 518 40,343 SH   SOLE   0 0 40,343
SPDR SERIES TRUST SHRT TERM MUNI 78464A425 6,588 277,744 SH   SOLE   0 0 277,744
VALLEY NATL BANCORP COM 919794107 126 10,790 SH   SOLE   0 0 10,790
AVOCENT CORP COM 053893103 572 47,913 SH   SOLE   0 0 47,913
COPA HOLDINGS SA CL A P31076105 789 28,747 SH   SOLE   0 0 28,747
ENDURANCE SPECIALTY HLDGS LT SHS G30397106 212 8,877 SH   SOLE   0 0 8,877
MORGAN STANLEY EASTN EUR FD COM 616988101 76 10,295 SH   SOLE   0 0 10,295
ISHARES TR BARCLYS SH TREA 464288679 653 5,925 SH   SOLE   0 0 5,925
BANK OF NEW YORK MELLON CORP COM 064058100 1,697 65,465 SH   SOLE   0 0 65,465
ISHARES TR BARCLYS 3-7 YR 464288661 333 2,909 SH   SOLE   0 0 2,909
ISHARES TR S&P NATL MUN B 464288414 921 9,243 SH   SOLE   0 0 9,243
SPDR SERIES TRUST LEH MUN BD ETF 78464A458 3,203 146,576 SH   SOLE   0 0 146,576
SPDR SERIES TRUST LEHMN INTL ETF 78464A516 250 4,898 SH   SOLE   0 0 4,898
PHILIP MORRIS INTL INC COM 718172109 351 9,566 SH   SOLE   0 0 9,566
WAYNE SVGS BANCSHARES INC NE COM 94624Q101 90 15,137 SH   SOLE   0 0 15,137