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 INC MSCI HONG KONG 464286871 350 22,560 SH   SOLE   0 0 22,560
ISHARES TR INDEX S&P SMLCAP 600 464287804 720 13,748 SH   SOLE   0 0 13,748
ISHARES TR INDEX S&P SMLCP GROW 464287887 540 9,984 SH   SOLE   0 0 9,984
ISHARES TR INDEX RUSSELL1000VAL 464287598 257 4,640 SH   SOLE   0 0 4,640
ISHARES TR INDEX RUSSELL1000GRW 464287614 651 14,047 SH   SOLE   0 0 14,047
ISHARES TR INDEX RUSSELL 2000 464287655 1,951 32,385 SH   SOLE   0 0 32,385
ISHARES TR INDEX RUSL 2000 VALU 464287630 229 4,055 SH   SOLE   0 0 4,055
ISHARES TR INDEX RUSSELL 3000 464287689 337 5,434 SH   SOLE   0 0 5,434
ISHARES TR INDEX RUSL 3000 VALU 464287663 313 4,306 SH   SOLE   0 0 4,306
ISHARES TR INDEX RUSL 3000 GROW 464287671 248 6,579 SH   SOLE   0 0 6,579
ISHARES TR INDEX DJ US REAL EST 464287739 278 6,515 SH   SOLE   0 0 6,515
SPDR TR UNIT SER 1 78462F103 999 9,457 SH   SOLE   0 0 9,457
AMAZON COM INC COM 023135106 308 3,302 SH   SOLE   0 0 3,302
EMERSON ELEC CO COM 291011104 383 9,563 SH   SOLE   0 0 9,563
BOEING CO COM 097023105 248 4,572 SH   SOLE   0 0 4,572
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 272 5,372 SH   SOLE   0 0 5,372
ABBOTT LABS COM 002824100 378 7,650 SH   SOLE   0 0 7,650
ANADARKO PETE CORP COM 032511107 206 3,288 SH   SOLE   0 0 3,288
BEST BUY INC COM 086516101 497 13,236 SH   SOLE   0 0 13,236
BP PLC SPONSORED ADR 055622104 311 5,846 SH   SOLE   0 0 5,846
DISH NETWORK CORP CL A 25470M109 398 20,690 SH   SOLE   0 0 20,690
ALTRIA GROUP INC COM 02209S103 295 16,546 SH   SOLE   0 0 16,546
INTEL CORP COM 458140100 392 20,052 SH   SOLE   0 0 20,052
ISHARES TR INDEX RUSL 2000 GROW 464287648 275 4,207 SH   SOLE   0 0 4,207
NOKIA CORP SPONSORED ADR 654902204 206 14,058 SH   SOLE   0 0 14,058
ORACLE CORP COM 68389X105 398 19,094 SH   SOLE   0 0 19,094
DU PONT E I DE NEMOURS & CO COM 263534109 230 7,167 SH   SOLE   0 0 7,167
QUALCOMM INC COM 747525103 596 13,260 SH   SOLE   0 0 13,260
DISNEY WALT CO COM DISNEY 254687106 347 12,647 SH   SOLE   0 0 12,647
HONEYWELL INTL INC COM 438516106 813 21,874 SH   SOLE   0 0 21,874
JOHNSON & JOHNSON COM 478160104 780 12,817 SH   SOLE   0 0 12,817
PFIZER INC COM 717081103 419 25,297 SH   SOLE   0 0 25,297
ISHARES TR INDEX MSCI EAFE IDX 464287465 4,251 77,738 SH   SOLE   0 0 77,738
CHEVRON CORP NEW COM 166764100 635 9,020 SH   SOLE   0 0 9,020
MICROSOFT CORP COM 594918104 728 28,320 SH   SOLE   0 0 28,320
UNITED PARCEL SERVICE INC CL B 911312106 227 4,022 SH   SOLE   0 0 4,022
AT&T INC COM 00206R102 751 27,787 SH   SOLE   0 0 27,787
CISCO SYS INC COM 17275R102 1,829 77,700 SH   SOLE   0 0 77,700
INTERNATIONAL BUSINESS MACHS COM 459200101 1,070 8,943 SH   SOLE   0 0 8,943
COCA COLA CO COM 191216100 512 9,530 SH   SOLE   0 0 9,530
LOCKHEED MARTIN CORP COM 539830109 484 6,201 SH   SOLE   0 0 6,201
PEPSICO INC COM 713448108 742 12,644 SH   SOLE   0 0 12,644
STRYKER CORP COM 863667101 268 5,895 SH   SOLE   0 0 5,895
VERIZON COMMUNICATIONS INC COM 92343V104 494 16,315 SH   SOLE   0 0 16,315
ISHARES INC MSCI CDA INDEX 464286509 455 17,850 SH   SOLE   0 0 17,850
ISHARES TR INDEX RUSSELL MCP GR 464287481 237 5,575 SH   SOLE   0 0 5,575
ISHARES TR INDEX S&P NA NAT RES 464287374 5,410 167,073 SH   SOLE   0 0 167,073
ISHARES INC MSCI MALAYSIA 464286830 618 60,953 SH   SOLE   0 0 60,953
ISHARES INC MSCI TAIWAN 464286731 263 21,309 SH   SOLE   0 0 21,309
ISHARES INC MSCI BRAZIL 464286400 968 14,316 SH   SOLE   0 0 14,316
TIME WARNER INC COM NEW 887317303 829 28,798 SH   SOLE   0 0 28,798
SCHWAB CHARLES CORP NEW COM 808513105 338 17,656 SH   SOLE   0 0 17,656
BANK OF AMERICA CORPORATION COM 060505104 437 25,820 SH   SOLE   0 0 25,820
EXXON MOBIL CORP COM 30231G102 1,251 18,229 SH   SOLE   0 0 18,229
WYETH COM 983024100 239 4,912 SH   SOLE   0 0 4,912
WAL MART STORES INC COM 931142103 501 10,203 SH   SOLE   0 0 10,203
UNION PAC CORP COM 907818108 239 4,090 SH   SOLE   0 0 4,090
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 202 18,409 SH   SOLE   0 0 18,409
TOTAL S A SPONSORED ADR 89151E109 368 6,212 SH   SOLE   0 0 6,212
COLGATE PALMOLIVE CO COM 194162103 503 6,593 SH   SOLE   0 0 6,593
CVS CAREMARK CORPORATION COM 126650100 503 14,067 SH   SOLE   0 0 14,067
DIAGEO P L C SPON ADR NEW 25243Q205 215 3,494 SH   SOLE   0 0 3,494
SCHLUMBERGER LTD COM 806857108 247 4,144 SH   SOLE   0 0 4,144
ENI S P A SPONSORED ADR 26874R108 275 5,509 SH   SOLE   0 0 5,509
SIEMENS A G SPONSORED ADR 826197501 457 4,911 SH   SOLE   0 0 4,911
PROCTER & GAMBLE CO COM 742718109 807 13,929 SH   SOLE   0 0 13,929
GENERAL ELECTRIC CO COM 369604103 849 51,691 SH   SOLE   0 0 51,691
KIMBERLY CLARK CORP COM 494368103 322 5,465 SH   SOLE   0 0 5,465
GILEAD SCIENCES INC COM 375558103 365 7,849 SH   SOLE   0 0 7,849
GOLDMAN SACHS GROUP INC COM 38141G104 1,599 8,671 SH   SOLE   0 0 8,671
HSBC HLDGS PLC SPON ADR NEW 404280406 456 7,959 SH   SOLE   0 0 7,959
ING GROEP N V SPONSORED ADR 456837103 35,289 1,979,184 SH   SOLE   0 0 1,979,184
MCDONALDS CORP COM 580135101 267 4,684 SH   SOLE   0 0 4,684
JPMORGAN CHASE & CO COM 46625H100 1,929 44,019 SH   SOLE   0 0 44,019
TJX COS INC NEW COM 872540109 899 24,194 SH   SOLE   0 0 24,194
FLEXTRONICS INTL LTD ORD Y2573F102 1,482 198,394 SH   SOLE   0 0 198,394
HEWLETT PACKARD CO COM 428236103 1,853 39,259 SH   SOLE   0 0 39,259
PRICELINE COM INC COM NEW 741503403 524 3,161 SH   SOLE   0 0 3,161
WELLS FARGO & CO NEW COM 949746101 1,540 54,665 SH   SOLE   0 0 54,665
ISHARES TR INDEX BARCLYS 1-3 YR 464287457 2,253 26,815 SH   SOLE   0 0 26,815
CORNING INC COM 219350105 655 42,802 SH   SOLE   0 0 42,802
MONSANTO CO NEW COM 61166W101 248 3,207 SH   SOLE   0 0 3,207
PRAXAIR INC COM 74005P104 301 3,681 SH   SOLE   0 0 3,681
FORD MTR CO DEL COM PAR $0.01 345370860 444 61,547 SH   SOLE   0 0 61,547
ENCANA CORP COM 292505104 791 13,726 SH   SOLE   0 0 13,726
UNITED TECHNOLOGIES CORP COM 913017109 354 5,817 SH   SOLE   0 0 5,817
3M CO COM 88579Y101 283 3,837 SH   SOLE   0 0 3,837
GAP INC DEL COM 364760108 519 24,262 SH   SOLE   0 0 24,262
COMCAST CORP NEW CL A 20030N101 1,464 86,725 SH   SOLE   0 0 86,725
HUNTINGTON BANCSHARES INC COM 446150104 146 31,102 SH   SOLE   0 0 31,102
CONOCOPHILLIPS COM 20825C104 322 7,137 SH   SOLE   0 0 7,137
APPLE INC COM 037833100 1,081 5,834 SH   SOLE   0 0 5,834
CATERPILLAR INC DEL COM 149123101 221 4,306 SH   SOLE   0 0 4,306
APACHE CORP COM 037411105 205 2,234 SH   SOLE   0 0 2,234
ISHARES TR INDEX MSCI EMERG MKT 464287234 2,387 61,336 SH   SOLE   0 0 61,336
HCC INS HLDGS INC COM 404132102 396 14,469 SH   SOLE   0 0 14,469
AMERICAN ITALIAN PASTA CO CL A 027070101 619 22,761 SH   SOLE   0 0 22,761
AGNICO EAGLE MINES LTD COM 008474108 431 6,359 SH   SOLE   0 0 6,359
FLUOR CORP NEW COM 343412102 220 4,325 SH   SOLE   0 0 4,325
GENZYME CORP COM 372917104 251 4,428 SH   SOLE   0 0 4,428
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADR 606822104 86 16,072 SH   SOLE   0 0 16,072
DOW CHEM CO COM 260543103 5,321 204,094 SH   SOLE   0 0 204,094
GENERAL DYNAMICS CORP COM 369550108 201 3,106 SH   SOLE   0 0 3,106
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 111 16,030 SH   SOLE   0 0 16,030
MEDCO HEALTH SOLUTIONS INC COM 58405U102 297 5,378 SH   SOLE   0 0 5,378
SOUTHERN CO COM 842587107 369 11,645 SH   SOLE   0 0 11,645
PAYCHEX INC COM 704326107 220 7,566 SH   SOLE   0 0 7,566
ROCKWELL COLLINS INC COM 774341101 465 9,157 SH   SOLE   0 0 9,157
PLAINS EXPL& PRODTN CO COM 726505100 666 24,086 SH   SOLE   0 0 24,086
PNC FINL SVCS GROUP INC COM 693475105 206 4,239 SH   SOLE   0 0 4,239
GENTEX CORP COM 371901109 1,078 76,218 SH   SOLE   0 0 76,218
ISHARES TR INDEX BARCLY USAGG B 464287226 4,993 47,585 SH   SOLE   0 0 47,585
ISHARES TR INDEX BARCLYS TIPS BD 464287176 7,483 72,738 SH   SOLE   0 0 72,738
COMERICA INC COM 200340107 206 6,936 SH   SOLE   0 0 6,936
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 244 6,318 SH   SOLE   0 0 6,318
METLIFE INC COM 59156R108 210 5,515 SH   SOLE   0 0 5,515
MCDERMOTT INTL INC COM 580037109 391 15,485 SH   SOLE   0 0 15,485
NETEASE COM INC SPONSORED ADR 64110W102 377 8,252 SH   SOLE   0 0 8,252
ALLIANCE DATA SYSTEMS CORP COM 018581108 656 10,735 SH   SOLE   0 0 10,735
HANCOCK JOHN PATRIOT PREM II COM SH BEN INT 41013T105 177 18,081 SH   SOLE   0 0 18,081
CHINA LIFE INS CO LTD SPON ADR REP H 16939P106 206 3,133 SH   SOLE   0 0 3,133
CONSOL ENERGY INC COM 20854P109 876 19,418 SH   SOLE   0 0 19,418
GOOGLE INC CL A 38259P508 748 1,508 SH   SOLE   0 0 1,508
SPDR GOLD TRUST GOLD SHS 78463V107 5,255 53,161 SH   SOLE   0 0 53,161
HDFC BANK LTD ADR REPS 3 SHS 40415F101 220 1,858 SH   SOLE   0 0 1,858
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 294 5,146 SH   SOLE   0 0 5,146
ARM HLDGS PLC SPONSORED ADR 042068106 109 15,634 SH   SOLE   0 0 15,634
NUVEEN MUN VALUE FD INC COM 670928100 183 18,407 SH   SOLE   0 0 18,407
POTASH CORP SASK INC COM 73755L107 329 3,644 SH   SOLE   0 0 3,644
MILLICOM INTL CELLULAR S A SHS NEW L6388F110 238 3,276 SH   SOLE   0 0 3,276
ELDORADO GOLD CORP NEW COM 284902103 166 14,592 SH   SOLE   0 0 14,592
ISHARES TR MSCI GRW IDX 464288885 1,447 27,117 SH   SOLE   0 0 27,117
BHP BILLITON PLC SPONSORED ADR 05545E209 212 3,842 SH   SOLE   0 0 3,842
NYSE EURONEXT COM 629491101 623 21,552 SH   SOLE   0 0 21,552
ROYAL BK CDA MONTREAL QUE COM 780087102 822 15,344 SH   SOLE   0 0 15,344
ISHARES SILVER TRUST ISHARES 46428Q109 2,292 139,929 SH   SOLE   0 0 139,929
CARTER INC COM 146229109 383 14,333 SH   SOLE   0 0 14,333
SPDR SERIES TRUST BRCLYS SHRT ETF 78464A425 6,561 272,700 SH   SOLE   0 0 272,700
VALLEY NATL BANCORP COM 919794107 140 11,376 SH   SOLE   0 0 11,376
MASTERCARD INC CL A 57636Q104 475 2,350 SH   SOLE   0 0 2,350
CREDICORP LTD COM G2519Y108 919 11,818 SH   SOLE   0 0 11,818
COPA HOLDINGS SA CL A P31076105 1,174 26,397 SH   SOLE   0 0 26,397
BEACON ROOFING SUPPLY INC COM 073685109 349 21,849 SH   SOLE   0 0 21,849
BARCLAYS BK PLC IPMS INDIA ETN 06739F291 365 6,201 SH   SOLE   0 0 6,201
ISHARES TR BARCLYS SH TREA 464288679 1,634 14,830 SH   SOLE   0 0 14,830
MORGAN STANLEY CHINA A SH FD COM 617468103 654 20,320 SH   SOLE   0 0 20,320
BANK OF NEW YORK MELLON CORP COM 064058100 1,023 35,272 SH   SOLE   0 0 35,272
ISHARES TR BARCLYS 3-7 YR 464288661 360 3,199 SH   SOLE   0 0 3,199
ISHARES TR S&P NTL AMTFREE 464288414 1,111 10,497 SH   SOLE   0 0 10,497
SPDR SERIES TRUST BRCLYS MUNI ETF 78464A458 3,090 132,963 SH   SOLE   0 0 132,963
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 532 9,101 SH   SOLE   0 0 9,101
SPDR SERIES TRUST BRCLYS 1-3MT ETF 78464A680 1,745 38,041 SH   SOLE   0 0 38,041
VISA INC COM CL A 92826C839 219 3,171 SH   SOLE   0 0 3,171
PHILIP MORRIS INTL INC COM 718172109 399 8,189 SH   SOLE   0 0 8,189
WAYNE SVGS BANCSHARES INC NE COM 94624Q101 91 15,137 SH   SOLE   0 0 15,137