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 501 30,776 SH   SOLE   0 0 30,776
ISHARES TR INDEX S&P SMLCAP 600 464287804 622 10,465 SH   SOLE   0 0 10,465
ISHARES TR INDEX S&P SMLCP GROW 464287887 563 9,195 SH   SOLE   0 0 9,195
ISHARES TR INDEX RUSSELL 1000 464287622 563 8,715 SH   SOLE   0 0 8,715
ISHARES TR INDEX RUSSELL1000VAL 464287598 295 4,834 SH   SOLE   0 0 4,834
ISHARES TR INDEX RUSSELL1000GRW 464287614 261 5,025 SH   SOLE   0 0 5,025
ISHARES TR INDEX RUSSELL 2000 464287655 1,898 27,986 SH   SOLE   0 0 27,986
ISHARES TR INDEX RUSL 2000 VALU 464287630 366 5,729 SH   SOLE   0 0 5,729
ISHARES TR INDEX RUSSELL 3000 464287689 220 3,202 SH   SOLE   0 0 3,202
ISHARES TR INDEX RUSL 3000 VALU 464287663 319 3,981 SH   SOLE   0 0 3,981
ISHARES TR INDEX RUSL 3000 GROW 464287671 304 7,173 SH   SOLE   0 0 7,173
ISHARES TR INDEX DJ US REAL EST 464287739 453 9,107 SH   SOLE   0 0 9,107
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,123 7,841 SH   SOLE   0 0 7,841
SPDR S&P 500 ETF TR UNIT SER 1 S&P 78462F103 1,090 9,312 SH   SOLE   0 0 9,312
AMAZON COM INC COM 023135106 864 6,363 SH   SOLE   0 0 6,363
BRISTOL MYERS SQUIBB CO COM 110122108 235 8,788 SH   SOLE   0 0 8,788
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 605 7,442 SH   SOLE   0 0 7,442
E M C CORP MASS COM 268648102 183 10,128 SH   SOLE   0 0 10,128
EMERSON ELEC CO COM 291011104 346 6,878 SH   SOLE   0 0 6,878
ERICSSON L M TEL CO ADR B SEK 10 294821608 131 12,583 SH   SOLE   0 0 12,583
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 359 5,689 SH   SOLE   0 0 5,689
AMGEN INC COM 031162100 279 4,665 SH   SOLE   0 0 4,665
ABBOTT LABS COM 002824100 476 9,045 SH   SOLE   0 0 9,045
ANADARKO PETE CORP COM 032511107 314 4,312 SH   SOLE   0 0 4,312
BEST BUY INC COM 086516101 219 5,156 SH   SOLE   0 0 5,156
BP PLC SPONSORED ADR 055622104 349 6,121 SH   SOLE   0 0 6,121
EBAY INC COM 278642103 232 8,609 SH   SOLE   0 0 8,609
ALTRIA GROUP INC COM 02209S103 283 13,799 SH   SOLE   0 0 13,799
INTEL CORP COM 458140100 393 17,624 SH   SOLE   0 0 17,624
ISHARES TR INDEX RUSL 2000 GROW 464287648 355 4,844 SH   SOLE   0 0 4,844
NOKIA CORP SPONSORED ADR 654902204 224 14,430 SH   SOLE   0 0 14,430
ORACLE CORP COM 68389X105 532 20,705 SH   SOLE   0 0 20,705
DU PONT E I DE NEMOURS & CO COM 263534109 256 6,875 SH   SOLE   0 0 6,875
QUALCOMM INC COM 747525103 369 8,805 SH   SOLE   0 0 8,805
DISNEY WALT CO COM DISNEY 254687106 544 15,569 SH   SOLE   0 0 15,569
US BANCORP DEL COM NEW 902973304 226 8,717 SH   SOLE   0 0 8,717
JOHNSON & JOHNSON COM 478160104 717 10,993 SH   SOLE   0 0 10,993
PFIZER INC COM 717081103 498 29,045 SH   SOLE   0 0 29,045
ISHARES TR INDEX MSCI EAFE IDX 464287465 5,913 105,620 SH   SOLE   0 0 105,620
CHEVRON CORP NEW COM 166764100 707 9,317 SH   SOLE   0 0 9,317
MICROSOFT CORP COM 594918104 775 26,454 SH   SOLE   0 0 26,454
AT&T INC COM 00206R102 632 24,445 SH   SOLE   0 0 24,445
CISCO SYS INC COM 17275R102 803 30,844 SH   SOLE   0 0 30,844
INTERNATIONAL BUSINESS MACHS COM 459200101 1,231 9,599 SH   SOLE   0 0 9,599
COCA COLA CO COM 191216100 369 6,704 SH   SOLE   0 0 6,704
PEPSICO INC COM 713448108 724 10,948 SH   SOLE   0 0 10,948
STRYKER CORP COM 863667101 324 5,654 SH   SOLE   0 0 5,654
VERIZON COMMUNICATIONS INC COM 92343V104 347 11,171 SH   SOLE   0 0 11,171
ISHARES INC MSCI CDA INDEX 464286509 727 26,056 SH   SOLE   0 0 26,056
ISHARES TR INDEX RUSSELL MIDCAP 464287499 227 2,548 SH   SOLE   0 0 2,548
ISHARES TR INDEX S&P NA NAT RES 464287374 3,267 94,826 SH   SOLE   0 0 94,826
ISHARES INC MSCI MALAYSIA 464286830 1,186 101,516 SH   SOLE   0 0 101,516
ISHARES INC MSCI TAIWAN 464286731 393 31,331 SH   SOLE   0 0 31,331
ISHARES INC MSCI BRAZIL 464286400 857 11,634 SH   SOLE   0 0 11,634
TIME WARNER INC COM NEW 887317303 886 28,334 SH   SOLE   0 0 28,334
SCHWAB CHARLES CORP NEW COM 808513105 320 17,117 SH   SOLE   0 0 17,117
BANK OF AMERICA CORPORATION COM 060505104 538 30,130 SH   SOLE   0 0 30,130
EXXON MOBIL CORP COM 30231G102 1,290 19,261 SH   SOLE   0 0 19,261
WAL MART STORES INC COM 931142103 641 11,536 SH   SOLE   0 0 11,536
UNION PAC CORP COM 907818108 384 5,235 SH   SOLE   0 0 5,235
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 249 23,747 SH   SOLE   0 0 23,747
TOTAL S A SPONSORED ADR 89151E109 320 5,521 SH   SOLE   0 0 5,521
TARGET CORP COM 87612E106 235 4,471 SH   SOLE   0 0 4,471
COLGATE PALMOLIVE CO COM 194162103 394 4,626 SH   SOLE   0 0 4,626
CVS CAREMARK CORPORATION COM 126650100 1,053 28,802 SH   SOLE   0 0 28,802
DIAGEO P L C SPON ADR NEW 25243Q205 206 3,056 SH   SOLE   0 0 3,056
SCHLUMBERGER LTD COM 806857108 415 6,540 SH   SOLE   0 0 6,540
SIEMENS A G SPONSORED ADR 826197501 472 4,722 SH   SOLE   0 0 4,722
MERCK & CO INC NEW COM 58933Y105 1,004 26,891 SH   SOLE   0 0 26,891
PROCTER & GAMBLE CO COM 742718109 858 13,567 SH   SOLE   0 0 13,567
GENERAL ELECTRIC CO COM 369604103 1,602 88,049 SH   SOLE   0 0 88,049
KIMBERLY CLARK CORP COM 494368103 297 4,720 SH   SOLE   0 0 4,720
GOLDMAN SACHS GROUP INC COM 38141G104 1,353 7,930 SH   SOLE   0 0 7,930
HSBC HLDGS PLC SPON ADR NEW 404280406 348 6,864 SH   SOLE   0 0 6,864
ING GROEP N V SPONSORED ADR 456837103 13,893 1,394,834 SH   SOLE   0 0 1,394,834
MCDONALDS CORP COM 580135101 366 5,486 SH   SOLE   0 0 5,486
JPMORGAN CHASE & CO COM 46625H100 1,904 42,547 SH   SOLE   0 0 42,547
TJX COS INC NEW COM 872540109 1,428 33,583 SH   SOLE   0 0 33,583
FLEXTRONICS INTL LTD ORD Y2573F102 868 110,702 SH   SOLE   0 0 110,702
HEWLETT PACKARD CO COM 428236103 1,836 34,536 SH   SOLE   0 0 34,536
PRICELINE COM INC COM NEW 741503403 849 3,328 SH   SOLE   0 0 3,328
WELLS FARGO & CO NEW COM 949746101 899 28,884 SH   SOLE   0 0 28,884
ISHARES TR INDEX BARCLYS 1-3 YR 464287457 3,325 39,877 SH   SOLE   0 0 39,877
MONSANTO CO NEW COM 61166W101 336 4,704 SH   SOLE   0 0 4,704
PROGRESSIVE CORP OHIO COM 743315103 3,041 159,274 SH   SOLE   0 0 159,274
FORD MTR CO DEL COM PAR $0.01 345370860 1,490 118,571 SH   SOLE   0 0 118,571
UNITEDHEALTH GROUP INC COM 91324P102 377 11,533 SH   SOLE   0 0 11,533
UNITED TECHNOLOGIES CORP COM 913017109 365 4,956 SH   SOLE   0 0 4,956
3M CO COM 88579Y101 327 3,907 SH   SOLE   0 0 3,907
HUNTINGTON BANCSHARES INC COM 446150104 170 31,584 SH   SOLE   0 0 31,584
CONOCOPHILLIPS COM 20825C104 365 7,137 SH   SOLE   0 0 7,137
APPLE INC COM 037833100 1,778 7,565 SH   SOLE   0 0 7,565
CATERPILLAR INC DEL COM 149123101 329 5,234 SH   SOLE   0 0 5,234
APACHE CORP COM 037411105 389 3,829 SH   SOLE   0 0 3,829
ISHARES TR INDEX MSCI EMERG MKT 464287234 2,039 48,394 SH   SOLE   0 0 48,394
JOHNSON CTLS INC COM 478366107 306 9,270 SH   SOLE   0 0 9,270
CELGENE CORP COM 151020104 219 3,538 SH   SOLE   0 0 3,538
SIMON PPTY GROUP INC NEW COM 828806109 1,966 23,435 SH   SOLE   0 0 23,435
EL PASO CORP COM 28336L109 757 69,839 SH   SOLE   0 0 69,839
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADR 606822104 92 17,592 SH   SOLE   0 0 17,592
SPRINT NEXTEL CORP COM SER 1 852061100 39 10,369 SH   SOLE   0 0 10,369
DOW CHEM CO COM 260543103 6,029 203,900 SH   SOLE   0 0 203,900
GENERAL DYNAMICS CORP COM 369550108 306 3,966 SH   SOLE   0 0 3,966
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 122 16,030 SH   SOLE   0 0 16,030
MEDCO HEALTH SOLUTIONS INC COM 58405U102 275 4,256 SH   SOLE   0 0 4,256
SOUTHERN CO COM 842587107 377 11,364 SH   SOLE   0 0 11,364
PAYCHEX INC COM 704326107 437 14,241 SH   SOLE   0 0 14,241
DECKERS OUTDOOR CORP COM 243537107 940 6,812 SH   SOLE   0 0 6,812
CIGNA CORP COM 125509109 730 19,953 SH   SOLE   0 0 19,953
PNC FINL SVCS GROUP INC COM 693475105 973 16,304 SH   SOLE   0 0 16,304
GENTEX CORP COM 371901109 228 11,743 SH   SOLE   0 0 11,743
ISHARES TR INDEX BARCLY USAGG B 464287226 6,483 62,214 SH   SOLE   0 0 62,214
ONEOK PARTNERS LP UNIT LTD PARTN 68268N103 449 7,332 SH   SOLE   0 0 7,332
ISHARES TR INDEX BARCLYS TIPS BD 464287176 10,140 97,589 SH   SOLE   0 0 97,589
TEMPUR PEDIC INTL INC COM 88023U101 611 20,262 SH   SOLE   0 0 20,262
OCWEN FINL CORP COM NEW 675746309 851 76,773 SH   SOLE   0 0 76,773
DR REDDYS LABS LTD ADR 256135203 535 18,963 SH   SOLE   0 0 18,963
FREEPORT-MCMORAN COPPER & GO COM 35671D857 333 3,985 SH   SOLE   0 0 3,985
HARRIS CORP DEL COM 413875105 714 15,045 SH   SOLE   0 0 15,045
COMERICA INC COM 200340107 237 6,226 SH   SOLE   0 0 6,226
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 266 5,215 SH   SOLE   0 0 5,215
REYNOLDS AMERICAN INC COM 761713106 559 10,360 SH   SOLE   0 0 10,360
GTC BIOTHERAPEUTICS INC COM NEW 36238T203 11 20,010 SH   SOLE   0 0 20,010
SANOFI AVENTIS SPONSORED ADR 80105N105 278 7,446 SH   SOLE   0 0 7,446
METLIFE INC COM 59156R108 301 6,955 SH   SOLE   0 0 6,955
ISHARES TR INDEX FTSE XNHUA IDX 464287184 635 15,086 SH   SOLE   0 0 15,086
SINA CORP ORD G81477104 403 10,695 SH   SOLE   0 0 10,695
ALLIANCE DATA SYSTEMS CORP COM 018581108 693 10,834 SH   SOLE   0 0 10,834
HANCOCK JOHN PATRIOT PREM II COM SH BEN INT 41013T105 192 18,081 SH   SOLE   0 0 18,081
MICROCHIP TECHNOLOGY INC COM 595017104 471 16,729 SH   SOLE   0 0 16,729
ICICI BK LTD ADR 45104G104 205 4,794 SH   SOLE   0 0 4,794
NOMURA HLDGS INC SPONSORED ADR 65535H208 88 12,054 SH   SOLE   0 0 12,054
GOOGLE INC CL A 38259P508 892 1,572 SH   SOLE   0 0 1,572
SPDR GOLD TRUST GOLD SHS 78463V107 4,717 43,299 SH   SOLE   0 0 43,299
TENARIS S A SPONSORED ADR 88031M109 458 10,657 SH   SOLE   0 0 10,657
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 418 7,229 SH   SOLE   0 0 7,229
COMPANHIA DE BEBIDAS DAS AME SPON ADR PFD 20441W203 435 4,746 SH   SOLE   0 0 4,746
NUVEEN MUN VALUE FD INC COM 670928100 190 19,412 SH   SOLE   0 0 19,412
ALPHA NATURAL RESOURCES INC COM 02076X102 659 13,219 SH   SOLE   0 0 13,219
GUESS INC COM 401617105 543 11,565 SH   SOLE   0 0 11,565
WALTER ENERGY INC COM 93317Q105 467 5,057 SH   SOLE   0 0 5,057
NUANCE COMMUNICATIONS INC COM 67020Y100 729 43,810 SH   SOLE   0 0 43,810
ELDORADO GOLD CORP NEW COM 284902103 170 14,053 SH   SOLE   0 0 14,053
THERMO FISHER SCIENTIFIC INC COM 883556102 241 4,683 SH   SOLE   0 0 4,683
BHP BILLITON PLC SPONSORED ADR 05545E209 262 3,826 SH   SOLE   0 0 3,826
PRECISION CASTPARTS CORP COM 740189105 262 2,067 SH   SOLE   0 0 2,067
MASTEC INC COM 576323109 710 56,302 SH   SOLE   0 0 56,302
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204 400 26,549 SH   SOLE   0 0 26,549
ISHARES SILVER TRUST ISHARES 46428Q109 2,061 120,253 SH   SOLE   0 0 120,253
SPDR SERIES TRUST BRCLYS SHRT ETF 78464A425 6,811 284,253 SH   SOLE   0 0 284,253
VALLEY NATL BANCORP COM 919794107 173 11,286 SH   SOLE   0 0 11,286
CREDICORP LTD COM G2519Y108 864 9,798 SH   SOLE   0 0 9,798
PHILIPPINE LONG DISTANCE TEL SPONSORED ADR 718252604 443 8,317 SH   SOLE   0 0 8,317
ISHARES TR BARCLYS SH TREA 464288679 3,528 32,018 SH   SOLE   0 0 32,018
MORGAN STANLEY CHINA A SH FD COM 617468103 1,155 39,838 SH   SOLE   0 0 39,838
BANK OF NEW YORK MELLON CORP COM 064058100 1,082 35,039 SH   SOLE   0 0 35,039
LNB BANCORP INC COM 502100100 53 11,904 SH   SOLE   0 0 11,904
ISHARES TR BARCLYS 3-7 YR 464288661 538 4,839 SH   SOLE   0 0 4,839
ISHARES TR S&P NTL AMTFREE 464288414 1,420 13,750 SH   SOLE   0 0 13,750
SPDR SERIES TRUST BRCLYS MUNI ETF 78464A458 3,067 135,070 SH   SOLE   0 0 135,070
TRANSOCEAN LTD REG SHS H8817H100 346 4,001 SH   SOLE   0 0 4,001
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 743 13,278 SH   SOLE   0 0 13,278
CALPINE CORP COM NEW 131347304 773 65,045 SH   SOLE   0 0 65,045
SPDR SERIES TRUST BRCLYS 1-3MT ETF 78464A680 4,020 87,658 SH   SOLE   0 0 87,658
VISA INC COM CL A 92826C839 251 2,759 SH   SOLE   0 0 2,759
PHILIP MORRIS INTL INC COM 718172109 429 8,217 SH   SOLE   0 0 8,217
POWERSHARES ETF TRUST II GWTH NFA GLOBA 73936Q306 524 45,863 SH   SOLE   0 0 45,863
WAYNE SVGS BANCSHARES INC NE COM 94624Q101 128 15,137 SH   SOLE   0 0 15,137