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 CO COM 88579Y101 794 5,600 SH   SOLE   5,600 0 0
AETNA INC NEW COM 00817Y108 825 7,545 SH   SOLE   7,545 0 0
AMGEN INC COM 031162100 1,617 11,689 SH   SOLE   11,689 0 0
APPLE INC COM 037833100 3,112 28,214 SH   SOLE   28,214 0 0
AT&T INC COM 00206R102 441 13,521 SH   SOLE   13,521 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 202 1,550 SH   SOLE   1,550 0 0
BOEING CO COM 097023105 975 7,443 SH   SOLE   7,443 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 367 6,200 SH   SOLE   6,200 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 221 6,000 SH   SOLE   6,000 0 0
CARLISLE COS INC COM 142339100 735 8,415 SH   SOLE   8,415 0 0
CHEVRON CORP NEW COM 166764100 1,153 14,611 SH   SOLE   14,611 0 0
CHURCH & DWIGHT INC COM 171340102 1,259 15,010 SH   SOLE   15,010 0 0
CIGNA CORPORATION COM 125509109 911 6,748 SH   SOLE   6,748 0 0
CISCO SYS INC COM 17275R102 984 37,475 SH   SOLE   37,475 0 0
COCA COLA CO COM 191216100 305 7,596 SH   SOLE   7,596 0 0
COMCAST CORP NEW CL A 20030N101 1,530 26,905 SH   SOLE   26,905 0 0
CONOCOPHILLIPS COM 20825C104 659 13,738 SH   SOLE   13,738 0 0
CSX CORP COM 126408103 484 18,000 SH   SOLE   18,000 0 0
CVS HEALTH CORP COM 126650100 806 8,350 SH   SOLE   8,350 0 0
DANAHER CORP DEL COM 235851102 752 8,820 SH   SOLE   8,820 0 0
DISNEY WALT CO COM DISNEY 254687106 1,009 9,874 SH   SOLE   9,874 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 260 5,395 SH   SOLE   5,395 0 0
EQUIFAX INC COM 294429105 740 7,610 SH   SOLE   7,610 0 0
EVEREST RE GROUP LTD COM G3223R108 786 4,535 SH   SOLE   4,535 0 0
EXXON MOBIL CORP COM 30231G102 1,392 18,727 SH   SOLE   18,727 0 0
GENERAL ELECTRIC CO COM 369604103 862 34,175 SH   SOLE   34,175 0 0
HONEYWELL INTL INC COM 438516106 1,564 16,520 SH   SOLE   16,520 0 0
HORMEL FOODS CORP COM 440452100 1,378 21,770 SH   SOLE   21,770 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 5,326 184,925 SH   SOLE   184,925 0 0
INDEXIQ ETF TR US RL EST SMCP 45409B628 566 24,105 SH   SOLE   24,105 0 0
INTEL CORP COM 458140100 1,470 48,770 SH   SOLE   48,770 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 775 5,349 SH   SOLE   5,349 0 0
ISHARES EM MK MINVOL ETF 464286533 3,434 68,919 SH   SOLE   68,919 0 0
ISHARES 17 AMT-FREE ETF 464289271 279 10,150 SH   SOLE   10,150 0 0
ISHARES 16 AMT-FREE ETF 464289313 276 10,400 SH   SOLE   10,400 0 0
ISHARES TR TIPS BD ETF 464287176 216 1,950 SH   SOLE   1,950 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 348 10,615 SH   SOLE   10,615 0 0
ISHARES TR COHEN&STEER REIT 464287564 454 4,905 SH   SOLE   4,905 0 0
ISHARES TR U.S. TECH ETF 464287721 389 3,934 SH   SOLE   3,934 0 0
ISHARES TR 19 AMT-FREE MN 46429B564 278 10,895 SH   SOLE   10,895 0 0
ISHARES TR 18 AMT-FREE ETF 46429B580 276 10,795 SH   SOLE   10,795 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 9,334 149,610 SH   SOLE   149,610 0 0
ISHARES TR USA MIN VOL ETF 46429B697 6,926 174,950 SH   SOLE   174,950 0 0
ISHARES TR IBONDS SEP2020 46434V571 251 9,825 SH   SOLE   9,825 0 0
JOHNSON & JOHNSON COM 478160104 351 3,765 SH   SOLE   3,765 0 0
JPMORGAN CHASE & CO COM 46625H100 345 5,652 SH   SOLE   5,652 0 0
KROGER CO COM 501044101 1,695 46,980 SH   SOLE   46,980 0 0
MCKESSON CORP COM 58155Q103 609 3,290 SH   SOLE   3,290 0 0
MICROSOFT CORP COM 594918104 276 6,240 SH   SOLE   6,240 0 0
NORFOLK SOUTHERN CORP COM 655844108 645 8,440 SH   SOLE   8,440 0 0
ORACLE CORP COM 68389X105 229 6,327 SH   SOLE   6,327 0 0
PEPSICO INC COM 713448108 1,352 14,334 SH   SOLE   14,334 0 0
PFIZER INC COM 717081103 1,010 32,140 SH   SOLE   32,140 0 0
PHILLIPS 66 COM 718546104 454 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 116 15,517 SH   SOLE   15,517 0 0
PROCTER & GAMBLE CO COM 742718109 235 3,265 SH   SOLE   3,265 0 0
PROSHARES TR ALTRNTV SOLUTN 74347B813 1,093 28,369 SH   SOLE   28,369 0 0
PROSHARES TR RAFI LG SHT FD 74347X310 433 11,025 SH   SOLE   11,025 0 0
QUALCOMM INC COM 747525103 521 9,690 SH   SOLE   9,690 0 0
RYDER SYS INC COM 783549108 1,421 19,195 SH   SOLE   19,195 0 0
SCHLUMBERGER LTD COM 806857108 552 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 429 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 514 10,120 SH   SOLE   10,120 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 338 6,300 SH   SOLE   6,300 0 0
SOUTHWEST AIRLS CO COM 844741108 1,207 31,725 SH   SOLE   31,725 0 0
STARBUCKS CORP COM 855244109 882 15,525 SH   SOLE   15,525 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 406 3,320 SH   SOLE   3,320 0 0
TIME WARNER CABLE INC COM 88732J207 278 1,548 SH   SOLE   1,548 0 0
V F CORP COM 918204108 1,719 25,205 SH   SOLE   25,205 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,810 22,510 SH   SOLE   22,510 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,293 39,556 SH   SOLE   39,556 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 246 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS REIT ETF 922908553 6,264 82,921 SH   SOLE   82,921 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,864 70,873 SH   SOLE   70,873 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,155 21,485 SH   SOLE   21,485 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 679 6,874 SH   SOLE   6,874 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 369 11,145 SH   SOLE   11,145 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 3,197 43,350 SH   SOLE   43,350 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,447 96,720 SH   SOLE   96,720 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 226 3,605 SH   SOLE   3,605 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 708 16,269 SH   SOLE   16,269 0 0
VISA INC COM CL A 92826C839 1,595 22,900 SH   SOLE   22,900 0 0
WAL-MART STORES INC COM 931142103 519 8,000 SH   SOLE   8,000 0 0
WELLS FARGO & CO NEW COM 949746101 1,573 30,630 SH   SOLE   30,630 0 0