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
3M Company com 88579Y101 7,633 43,586 SH   SOLE 0 7,633 0 0
A T & T Inc. com 00206R102 2,057 47,612 SH   SOLE 0 2,057 0 0
Abbott Laboratories com 002824100 309 7,850 SH   SOLE 0 309 0 0
AbbVie Inc. com 00287Y109 2,508 40,509 SH   SOLE 0 2,508 0 0
Accenture Ltd Cl A com G1151C101 5,012 44,244 SH   SOLE 0 5,012 0 0
Aetna Inc com 00817Y108 1,267 10,377 SH   SOLE 0 1,267 0 0
American Electric Power Co., Inc com 025537101 840 11,990 SH   SOLE 0 840 0 0
American Financial Gp New com 025932104 355 4,800 SH   SOLE 0 355 0 0
Amerisource Bergen com 03073E105 579 7,294 SH   SOLE 0 579 0 0
Amgen Incorporated com 031162100 7,342 48,253 SH   SOLE 0 7,342 0 0
Annaly Capital Management com 035710409 3,368 304,270 SH   SOLE 0 3,368 0 0
Apple Computer Inc com 037833100 8,907 93,170 SH   SOLE 0 8,907 0 0
Auto Data Processing com 053015103 254 2,769 SH   SOLE 0 254 0 0
Becton Dickinson & Co com 075887109 5,755 33,934 SH   SOLE 0 5,755 0 0
Bemis Co Inc com 081437105 1,455 28,252 SH   SOLE 0 1,455 0 0
Berkshire Hathaway Cl B com 084670702 380 2,626 SH   SOLE 0 380 0 0
Big Lots Inc. com 089302103 506 10,104 SH   SOLE 0 506 0 0
Blackstone Mortgage Trust, Inc com 09257W100 1,129 40,798 SH   SOLE 0 1,129 0 0
Brixmor Property Group Inc. com 11120U105 3,130 118,276 SH   SOLE 0 3,130 0 0
C V S Caremark Corp. com 126650100 306 3,191 SH   SOLE 0 306 0 0
C.R. Bard, Inc. com 067383109 906 3,851 SH   SOLE 0 906 0 0
Cardinal Health Inc com 14149Y108 505 6,473 SH   SOLE 0 505 0 0
Carnival Corp com 143658300 1,619 36,637 SH   SOLE 0 1,619 0 0
CBRE Clarion Global Real Estate Income FD com 12504G100 216 26,206 SH   SOLE 0 216 0 0
CenterPoint Energy, Inc. com 15189T107 481 20,058 SH   SOLE 0 481 0 0
Cerner Corp com 156782104 1,002 17,097 SH   SOLE 0 1,002 0 0
Chatham Lodging Trust com 16208T102 2,354 107,102 SH   SOLE 0 2,354 0 0
Chevron Corp com 166764100 7,420 70,781 SH   SOLE 0 7,420 0 0
Chubb Ltd com H1467J104 4,208 32,194 SH   SOLE 0 4,208 0 0
Cincinnati Financial Cp com 172062101 210 2,808 SH   SOLE 0 210 0 0
Cisco Systems Inc com 17275R102 7,514 261,900 SH   SOLE 0 7,514 0 0
CMS Energy Corp com 125896100 1,581 34,478 SH   SOLE 0 1,581 0 0
Coca Cola Company com 191216100 392 8,642 SH   SOLE 0 392 0 0
ConAgra Foods, Inc. com 205887102 2,613 54,663 SH   SOLE 0 2,613 0 0
ConocoPhillips com 20825C104 384 8,814 SH   SOLE 0 384 0 0
Consolidated Edison com 209115104 531 6,601 SH   SOLE 0 531 0 0
Convergys Corp com 212485106 440 17,599 SH   SOLE 0 440 0 0
Danaher Corp Del com 235851102 228 2,259 SH   SOLE 0 228 0 0
Delta Air Lines com 247361702 2,791 76,602 SH   SOLE 0 2,791 0 0
Discover Financial Services com 254709108 2,608 48,669 SH   SOLE 0 2,608 0 0
Disney Walt Hldg Co com 254687106 1,224 12,508 SH   SOLE 0 1,224 0 0
Dollar General Corporation com 256677105 700 7,447 SH   SOLE 0 700 0 0
DoubleLine Income Solutions Fund com 258622109 3,951 215,323 SH   SOLE 0 3,951 0 0
EastGroup Properties Inc. com 277276101 2,944 42,722 SH   SOLE 0 2,944 0 0
Edison Intl. (SCE) com 281020107 680 8,754 SH   SOLE 0 680 0 0
Entergy Corp New com 29364G103 1,474 18,119 SH   SOLE 0 1,474 0 0
Equifax Inc com 294429105 5,342 41,602 SH   SOLE 0 5,342 0 0
Everest Re Group Ltd com G3223R108 2,727 14,929 SH   SOLE 0 2,727 0 0
Exelon Corporation com 30161N101 1,157 31,826 SH   SOLE 0 1,157 0 0
Exxon Mobil Corporation com 30231G102 9,157 97,690 SH   SOLE 0 9,157 0 0
FedEx Corp. com 31428X106 2,417 15,922 SH   SOLE 0 2,417 0 0
Fifth Third Bancorp com 316773100 183 10,388 SH   SOLE 0 183 0 0
Ford Motor Company com 345370860 3,606 286,904 SH   SOLE 0 3,606 0 0
General Dynamics Corp com 369550108 2,411 17,318 SH   SOLE 0 2,411 0 0
General Electric com 369604103 872 27,694 SH   SOLE 0 872 0 0
General Mills Inc com 370334104 7,842 109,958 SH   SOLE 0 7,842 0 0
General Motors Company com 37045V100 387 13,691 SH   SOLE 0 387 0 0
Gilead Sciences Inc com 375558103 5,618 67,347 SH   SOLE 0 5,618 0 0
Global X MLP & Energy Infrastructure ETF ETF 37950E226 3,613 261,640 SH   SOLE 0 3,613 0 0
H C P Inc REIT com 40414L109 1,443 40,776 SH   SOLE 0 1,443 0 0
Hasbro Inc com 418056107 6,770 80,606 SH   SOLE 0 6,770 0 0
Home Depot Inc com 437076102 643 5,034 SH   SOLE 0 643 0 0
Honeywell International com 438516106 5,682 48,851 SH   SOLE 0 5,682 0 0
HP Inc. com 40434L105 230 18,322 SH   SOLE 0 230 0 0
Huntington Bancshares Incorporated com 446150104 100 11,142 SH   SOLE 0 100 0 0
Illinois Tool Works com 452308109 537 5,152 SH   SOLE 0 537 0 0
Ingram Micro Inc. com 457153104 1,197 34,417 SH   SOLE 0 1,197 0 0
Intel Corp com 458140100 3,715 113,248 SH   SOLE 0 3,715 0 0
International Paper Co com 460146103 4,513 106,478 SH   SOLE 0 4,513 0 0
Intl Business Machines com 459200101 2,138 14,089 SH   SOLE 0 2,138 0 0
iShares Barclays Intermediate Credit Bd iShares 464288638 462 4,150 SH   SOLE 0 462 0 0
iShares Barclays TIPS Bond iShares 464287176 3,402 29,155 SH   SOLE 0 3,402 0 0
iShares COMEX Gold Trust iShares 464285105 8,247 646,320 SH   SOLE 0 8,247 0 0
iShares MBS Bond ETF iShares 464288588 3,870 35,189 SH   SOLE 0 3,870 0 0
iShares MSCI EAFE Min Volatility ETF iShares 46429B689 19,276 290,350 SH   SOLE 0 19,276 0 0
iShares Trust MSCI EAFE Index FD iShares 464287465 341 6,113 SH   SOLE 0 341 0 0
J P Morgan Chase & Co. com 46625H100 6,794 109,339 SH   SOLE 0 6,794 0 0
Janus Velocity Tail Risk Hdgd Lg Cp ETF ETF 00162Q817 4,333 162,793 SH   SOLE 0 4,333 0 0
Johnson & Johnson com 478160104 4,633 38,194 SH   SOLE 0 4,633 0 0
Johnson Controls Inc com 478366107 3,534 79,850 SH   SOLE 0 3,534 0 0
Kimberly-Clark Corp com 494368103 7,162 52,092 SH   SOLE 0 7,162 0 0
Kohls Corp com 500255104 1,423 37,534 SH   SOLE 0 1,423 0 0
Kroger Company com 501044101 7,345 199,653 SH   SOLE 0 7,345 0 0
Lowes Companies Inc com 548661107 2,680 33,857 SH   SOLE 0 2,680 0 0
LyondellBasell Industrials NV com N53745100 4,107 55,190 SH   SOLE 0 4,107 0 0
M S Emerging Mkts Domestic Debt com 617477104 147 19,143 SH   SOLE 0 147 0 0
Marathon Petroleum Corporation com 56585A102 3,255 85,756 SH   SOLE 0 3,255 0 0
Market Vectors Gold Miners Gold ETF 57060U100 3,143 113,419 SH   SOLE 0 3,143 0 0
McDonald's Corp. com 580135101 3,223 26,785 SH   SOLE 0 3,223 0 0
McKesson HBOC Inc com 58155Q103 7,774 41,648 SH   SOLE 0 7,774 0 0
Merck & Co Inc com 58933Y105 346 6,012 SH   SOLE 0 346 0 0
Metlife Inc com 59156R108 642 16,118 SH   SOLE 0 642 0 0
Microsoft Corp com 594918104 11,406 222,905 SH   SOLE 0 11,406 0 0
Molson Coors Brewing Clb com 60871R209 247 2,440 SH   SOLE 0 247 0 0
New York REIT com 64976L109 814 87,989 SH   SOLE 0 814 0 0
Newmont Mining Corp com 651639106 4,863 124,301 SH   SOLE 0 4,863 0 0
Nextera Energy Inc com 65339F101 235 1,799 SH   SOLE 0 235 0 0
Northrop Grumman Corp com 666807102 2,116 9,520 SH   SOLE 0 2,116 0 0
Omnicom Group Inc com 681919106 799 9,805 SH   SOLE 0 799 0 0
Oracle Corporation com 68389X105 8,088 197,609 SH   SOLE 0 8,088 0 0
PepsiCo Incorporated com 713448108 7,238 68,324 SH   SOLE 0 7,238 0 0
Pfizer Incorporated com 717081103 8,453 240,078 SH   SOLE 0 8,453 0 0
Phillips 66 com 718546104 1,149 14,485 SH   SOLE 0 1,149 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866 3,102 56,313 SH   SOLE 0 3,102 0 0
PNC Financial Services com 693475105 885 10,872 SH   SOLE 0 885 0 0
PowerShares Emerging Mkts Sovereign Debt ETF 73936T573 8,578 289,999 SH   SOLE 0 8,578 0 0
PowerShares FTSE RAFI Emerging Markets ETF 73936T763 5,574 343,034 SH   SOLE 0 5,574 0 0
PPG Industries Inc com 693506107 1,181 11,335 SH   SOLE 0 1,181 0 0
Procter & Gamble com 742718109 4,353 51,406 SH   SOLE 0 4,353 0 0
Prudential Financial Inc com 744320102 2,680 37,566 SH   SOLE 0 2,680 0 0
Pub Svc Enterprise Group com 744573106 3,048 65,402 SH   SOLE 0 3,048 0 0
Realty Income Corp REIT com 756109104 502 7,244 SH   SOLE 0 502 0 0
Ross Stores, Inc com 778296103 980 17,290 SH   SOLE 0 980 0 0
Sabine Royalty Trust com 785688102 3,162 94,650 SH   SOLE 0 3,162 0 0
Schlumberger LTD com 806857108 246 3,105 SH   SOLE 0 246 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 12,386 580,522 SH   SOLE 0 12,386 0 0
Schwab International Equity ETF ETF 808524805 688 25,370 SH   SOLE 0 688 0 0
Schwab U.S. Aggregate Bond ETF ETF 808524839 404 7,516 SH   SOLE 0 404 0 0
Schwab US Large-Cap Value ETF ETF 808524409 306 6,827 SH   SOLE 0 306 0 0
Schwab US LC ETF ETF 808524201 357 7,173 SH   SOLE 0 357 0 0
Schwab US TIPS ETF ETF 808524870 8,368 148,150 SH   SOLE 0 8,368 0 0
Scripps Networks Interactive, Inc. com 811065101 585 9,392 SH   SOLE 0 585 0 0
Simon Ppty Group New com 828806109 268 1,234 SH   SOLE 0 268 0 0
Southwest Airlines Co. com 844741108 726 18,526 SH   SOLE 0 726 0 0
Sovran Self Storage Inc. com 84610H108 2,970 28,309 SH   SOLE 0 2,970 0 0
SPDR Barclays Cap Interm Term Corp Bnd Etf ETF 78464A375 282 8,075 SH   SOLE 0 282 0 0
SPDR Dow Jones REIT ETF 78464A607 274 2,760 SH   SOLE 0 274 0 0
SPDR Gold Shares Gold 78463V107 509 4,028 SH   SOLE 0 509 0 0
Stanley Black & Decker, Inc. com 854502101 3,784 34,020 SH   SOLE 0 3,784 0 0
T J X Cos Inc com 872540109 2,144 27,767 SH   SOLE 0 2,144 0 0
Target Corporation com 87612E106 9,751 139,658 SH   SOLE 0 9,751 0 0
Texas Instruments Inc com 882508104 4,043 64,526 SH   SOLE 0 4,043 0 0
The Hanover Insurance Group Inc. com 410867105 5,839 68,999 SH   SOLE 0 5,839 0 0
The Southern Company com 842587107 253 4,716 SH   SOLE 0 253 0 0
Thermo Fisher Scientific Inc. com 883556102 3,037 20,555 SH   SOLE 0 3,037 0 0
Time Warner Inc. com 887317303 1,818 24,715 SH   SOLE 0 1,818 0 0
Toronto-Dominion Bank com 891160509 9,946 231,689 SH   SOLE 0 9,946 0 0
Total S.A. ADS ADR 89151E109 6,344 131,896 SH   SOLE 0 6,344 0 0
Toyota Motor Corporation com 892331307 201 2,011 SH   SOLE 0 201 0 0
Travelers Companies Inc com 89417E109 10,149 85,260 SH   SOLE 0 10,149 0 0
Tyson Foods Inc com 902494103 1,332 19,947 SH   SOLE 0 1,332 0 0
UGI Corporation New com 902681105 5,744 126,948 SH   SOLE 0 5,744 0 0
Union Pacific com 907818108 1,279 14,658 SH   SOLE 0 1,279 0 0
United Parcel Service, Inc. com 911312106 1,290 11,977 SH   SOLE 0 1,290 0 0
United Technologies Corp com 913017109 7,168 69,896 SH   SOLE 0 7,168 0 0
UnitedHealth Group Inc. com 91324P102 503 3,559 SH   SOLE 0 503 0 0
US Bancorp com 902973304 3,337 82,744 SH   SOLE 0 3,337 0 0
V F Corporation com 918204108 341 5,553 SH   SOLE 0 341 0 0
Valero Energy Corp New com 91913Y100 4,632 90,818 SH   SOLE 0 4,632 0 0
VanEck Vectors High-Yield Muni ETF ETF 57060U878 1,263 39,074 SH   SOLE 0 1,263 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 3,480 51,791 SH   SOLE 0 3,480 0 0
Vanguard Large Cap ETF ETF 922908637 258 2,689 SH   SOLE 0 258 0 0
Vanguard Reit Index ETF ETF 922908553 6,294 70,985 SH   SOLE 0 6,294 0 0
Vanguard Small Cap Value ETF ETF 922908611 2,183 20,731 SH   SOLE 0 2,183 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 491 9,324 SH   SOLE 0 491 0 0
Vanguard Total Bond Market ETF ETF 921937835 1,469 17,428 SH   SOLE 0 1,469 0 0
Vanguard Value ETF ETF 922908744 232 2,734 SH   SOLE 0 232 0 0
Vectren Corporation com 92240G101 3,213 61,009 SH   SOLE 0 3,213 0 0
Verizon Communications com 92343V104 11,216 200,866 SH   SOLE 0 11,216 0 0
Viacom Inc. com 92553P201 1,913 46,119 SH   SOLE 0 1,913 0 0
W.R. Berkley Corporation com 084423102 319 5,319 SH   SOLE 0 319 0 0
Wal-Mart Stores Inc com 931142103 4,058 55,567 SH   SOLE 0 4,058 0 0
Wells Fargo & Company com 949746101 7,842 165,689 SH   SOLE 0 7,842 0 0
Western Union Company com 959802109 986 51,407 SH   SOLE 0 986 0 0