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 447 3,153 SH   SOLE   3,153 0 0
A T & T Inc COM 00206r102 1,101 33,781 SH   SOLE   33,781 0 0
ACE Ltd COM H0023R105 217 2,100 SH   SOLE   2,100 0 0
AbbVie Inc. COM 00287Y109 1,430 26,274 SH   SOLE   26,274 0 0
Abbott Labs COM 002824100 1,032 25,654 SH   SOLE   25,654 0 0
Aberdeen Asset Mgmt Plc COM G00434111 61 13,731 SH   SOLE   13,731 0 0
Accenture Ltd Cl A COM G1151C101 6,523 66,383 SH   SOLE   66,383 0 0
Access Power Inc COM 00431N108 0 10,000 SH   SOLE   10,000 0 0
Adelphia Contingent Value COM 00685R409 0 19,692 SH   SOLE   19,692 0 0
Aflac Inc COM 001055102 5,739 98,720 SH   SOLE   98,720 0 0
Alaphabet, Inc. Class A COM 02079k305 8,056 12,619 SH   SOLE   12,619 0 0
Alaphabet, Inc. Class C COM 02079k107 6,411 10,537 SH   SOLE   10,537 0 0
Allergan, Inc. COM g0177j108 12,285 45,196 SH   SOLE   45,196 0 0
Allstate Corp. COM 020002101 321 5,508 SH   SOLE   5,508 0 0
Altria Group Inc COM 718154107 385 7,071 SH   SOLE   7,071 0 0
Amazon.Com Inc COM 023135106 685 1,338 SH   SOLE   1,338 0 0
American Electric Power COM 0 532 9,365 SH   SOLE   9,365 0 0
American Express Company COM 025816109 462 6,238 SH   SOLE   6,238 0 0
American International Group I COM 026874107 9,503 167,244 SH   SOLE   167,244 0 0
American Water Works Co., Inc. COM 030420103 1,012 18,381 SH   SOLE   18,381 0 0
Amgen Inc COM 031162100 367 2,650 SH   SOLE   2,650 0 0
Anadarko Petroleum Corp COM 032511107 273 4,522 SH   SOLE   4,522 0 0
Apache Corp COM 037411105 344 8,772 SH   SOLE   8,772 0 0
Apple Computer Inc COM 037833100 3,955 35,855 SH   SOLE   35,855 0 0
Ares Cap Corp COM 04010L103 164 11,300 SH   SOLE   11,300 0 0
Australia & New Zealand Bkg AD COM 052528304 234 12,275 SH   SOLE   12,275 0 0
Automatic Data Processing COM 053015103 819 10,195 SH   SOLE   10,195 0 0
BP Plc Spons ADR COM 055622104 3,452 112,946 SH   SOLE   112,946 0 0
Baidu.com Inc. Spn ADR COM 056752108 412 3,000 SH   SOLE   3,000 0 0
Baker Hughes Inc COM 057224107 288 5,535 SH   SOLE   5,535 0 0
Bank of America Corp COM 066050105 187 11,989 SH   SOLE   11,989 0 0
Bank of New York Mellon Corp COM 064058100 8,466 216,244 SH   SOLE   216,244 0 0
Baxalta Inc. COM 07177m103 504 16,007 SH   SOLE   16,007 0 0
Baxter International Inc. COM 071813109 516 15,707 SH   SOLE   15,707 0 0
Becton Dickinson & Co. COM 075887109 1,021 7,695 SH   SOLE   7,695 0 0
Berkshire Hathaway Cl B COM 0 11,091 85,054 SH   SOLE   85,054 0 0
Blackrock Credit Allocation In COM 092508100 4,316 354,645 SH   SOLE   354,645 0 0
Boeing Co. COM 097023105 612 4,671 SH   SOLE   4,671 0 0
Bristol Myers Squibb Co COM 110122108 1,607 27,153 SH   SOLE   27,153 0 0
C B I Inds Inc COM N19808109 206 5,200 SH   SOLE   5,200 0 0
CSX Corp COM 126408103 6,691 248,743 SH   SOLE   248,743 0 0
CVS Caremark Corp COM 126650100 2,580 26,746 SH   SOLE   26,746 0 0
Canadian National Railway Ltd COM 136375102 517 9,100 SH   SOLE   9,100 0 0
Canadian Pacific Railway COM 13645T100 924 6,435 SH   SOLE   6,435 0 0
Capital Care Properties COM 141624106 686 20,829 SH   SOLE   20,829 0 0
Caterpillar Inc COM 149123101 505 7,728 SH   SOLE   7,728 0 0
Cedar Fair LP Deputs COM 150185106 326 6,200 SH   SOLE   6,200 0 0
Celgene Corp COM 151020104 328 3,030 SH   SOLE   3,030 0 0
Cell Robotics Intl Inc COM 0 0 25,000 SH   SOLE   25,000 0 0
Chevron Texaco Corp COM 166764100 1,757 22,271 SH   SOLE   22,271 0 0
Church & Dwight COM 171340102 5,260 62,690 SH   SOLE   62,690 0 0
Cisco Systems Inc COM 17275R102 249 9,500 SH   SOLE   9,400 0 0
Citizens Financial Group COM 174610105 7,482 313,588 SH   SOLE   313,588 0 0
Coca Cola Co COM 191216100 1,276 31,814 SH   SOLE   31,814 0 0
Colgate Palmolive Corp COM 194162103 3,307 52,109 SH   SOLE   52,109 0 0
Comcast Corp New Cl A COM 20030N101 7,297 128,292 SH   SOLE   128,292 0 0
Comcast Corp-Cl A New Spl COM 20030n200 759 13,254 SH   SOLE   13,254 0 0
Companhia De Snmnto Basico Sao COM 20441A102 1,913 493,081 SH   SOLE   493,081 0 0
Con Edison Co Of NY Inc COM 209115104 386 5,780 SH   SOLE   5,780 0 0
Conoco Phillips Co COM 20825c104 592 12,342 SH   SOLE   12,342 0 0
Costco Wholesale Corp COM 22160K105 496 3,431 SH   SOLE   3,431 0 0
Cutwater Select Income Fund COM 232229104 3,598 188,600 SH   SOLE   188,600 0 0
Dentsply Intl Inc COM 249030107 1,009 19,955 SH   SOLE   19,955 0 0
Devon Energy Corp New COM 25179M103 1,443 38,907 SH   SOLE   38,907 0 0
Discover Financial Services COM 0 277 5,320 SH   SOLE   5,320 0 0
Disney Walt Co COM 254687106 1,168 11,430 SH   SOLE   11,430 0 0
Dominion Resources Inc COM 25746U109 1,103 15,673 SH   SOLE   15,673 0 0
Du Pont E I De Nemours COM 263534109 331 6,859 SH   SOLE   6,859 0 0
Duke Energy Corp COM 26441c105 1,011 14,060 SH   SOLE   14,060 0 0
EOG Resources inc COM 26875P101 663 9,110 SH   SOLE   9,110 0 0
East West Bancorp Inc COM 27579r104 305 7,939 SH   SOLE   7,939 0 0
Eaton Corp COM G29183103 203 3,960 SH   SOLE   3,960 0 0
Eaton Vance Tax Mng Glbl Dvsfd COM 27829F108 417 50,290 SH   SOLE   50,290 0 0
Escrow HearUSA Inc COM 0 0 81,728 SH   SOLE   81,728 0 0
Express Scripts COM 30219G108 11,969 147,833 SH   SOLE   147,833 0 0
Exxon Mobil Corp COM 30231G102 6,041 81,256 SH   SOLE   81,256 0 0
Facebook, Inc. COM 30303M102 717 7,975 SH   SOLE   7,975 0 0
Fastenal Co COM 311900104 238 6,500 SH   SOLE   6,500 0 0
Fedex Corp COM 31428X106 4,303 29,889 SH   SOLE   29,889 0 0
GNC Holdings Inc. COM 36191G107 3,541 87,610 SH   SOLE   87,610 0 0
General Electric Co COM 369604103 2,591 102,737 SH   SOLE   102,737 0 0
General Mills Inc COM 370334104 1,286 22,903 SH   SOLE   22,903 0 0
Genuine Parts Company COM 372460105 446 5,375 SH   SOLE   5,375 0 0
Geo Group, Inc. COM 36159R103 335 11,255 SH   SOLE   11,255 0 0
Gilead Sciences Inc COM 375558103 980 9,980 SH   SOLE   9,980 0 0
Goldcorp Inc. New COM 380956409 135 10,809 SH   SOLE   10,809 0 0
HCP INC COM 40414L109 4,743 127,339 SH   SOLE   127,339 0 0
HSBC Holdings Plc Sp ADR COM 404280406 535 14,131 SH   SOLE   14,131 0 0
Heineken N V Spons Adr COM 423012301 1,247 30,573 SH   SOLE   30,573 0 0
Henry Schein Inc COM 806407102 2,655 20,004 SH   SOLE   20,004 0 0
Home Depot Inc COM 437076102 795 6,880 SH   SOLE   6,880 0 0
Honeywell International COM 438516106 608 6,418 SH   SOLE   6,418 0 0
Hospitality Properties Trust COM 44106M102 345 13,498 SH   SOLE   13,498 0 0
Intel Corp COM 458140100 810 26,884 SH   SOLE   26,784 0 0
Intl Business Machines Corp IB COM 459200101 2,663 18,370 SH   SOLE   18,370 0 0
Invesco Insd Mun Income COM 61745p791 559 36,180 SH   SOLE   36,180 0 0
Invesco Quality Municipal Inco COM 46133G107 351 28,920 SH   SOLE   28,920 0 0
Ishares Barclays 1-3 Year Bond COM 464288646 315 3,000 SH   SOLE   3,000 0 0
Ishares Tr Currency Hedged MSC COM 0 1,313 52,960 SH   SOLE   52,960 0 0
Ishares Tr FTSE Xinhau HK Chin COM 464287184 293 8,265 SH   SOLE   8,265 0 0
Ishares Tr Nasdaq Biotechnolog COM 464287556 1,333 4,395 SH   SOLE   4,395 0 0
Ishares Tr Russell 1000 Index COM 464287622 881 8,227 SH   SOLE   8,227 0 0
Ishares Tr Russell 2000 Index COM 464287655 888 8,130 SH   SOLE   8,130 0 0
J P Morgan Chase & Co. COM 616880100 1,746 28,635 SH   SOLE   28,635 0 0
Johnson & Johnson Co. COM 478160104 6,182 66,219 SH   SOLE   66,219 0 0
Kayne Anderson MLP Invt Co COM 486606106 871 37,595 SH   SOLE   37,595 0 0
Kinder Morgan Inc KS COM 49456B101 1,613 58,286 SH   SOLE   58,286 0 0
Kraft Heinz Corporation COM 50076Q106 509 7,218 SH   SOLE   7,218 0 0
Liberty Global Inc Ser A COM G5480U104 275 6,404 SH   SOLE   6,404 0 0
Liberty Global PLC Cl C COM G5480U120 306 7,452 SH   SOLE   7,452 0 0
Lloyds TSB Grp Spons ADR COM 539439109 6,812 1,480,839 SH   SOLE   1,480,839 0 0
Lowes Cos Inc COM 548661107 214 3,100 SH   SOLE   3,100 0 0
MFS CHARTER INCOME TRUST NEW COM 552727109 279 36,000 SH   SOLE   36,000 0 0
MFS Charter Income Trust New COM 552727109 77 10,000 SH   SOLE   10,000 0 0
Mc Cormick Corp COM 579780206 1,375 16,728 SH   SOLE   16,728 0 0
McDonalds Corp COM 580135101 568 5,763 SH   SOLE   5,763 0 0
McGraw Hill Companies COM 580645AE9 277 3,200 SH   SOLE   3,200 0 0
Medtronic Inc COM g5960l103 719 10,740 SH   SOLE   10,740 0 0
Merck & Co. Inc COM 589331107 1,540 31,172 SH   SOLE   31,172 0 0
Microsoft Corp COM 594918104 2,680 60,558 SH   SOLE   60,558 0 0
Mondelez International Inc. COM 609207105 952 22,744 SH   SOLE   22,744 0 0
National Australia Bank Limite COM 632525408 109 10,350 SH   SOLE   10,350 0 0
National Grid Plc Spon Adr COM 636274300 417 5,982 SH   SOLE   5,982 0 0
Nestle SA Rep RG Sh ADR COM 641069406 1,079 14,342 SH   SOLE   14,342 0 0
Newmarket Corporation COM 651587107 250 700 SH   SOLE   700 0 0
Newmont Mining Corp COM 651639106 477 29,673 SH   SOLE   29,673 0 0
NextEra Energy Inc. COM 302571104 764 7,835 SH   SOLE   7,835 0 0
Norfolk Southern Corp COM 655844108 7,726 101,119 SH   SOLE   101,119 0 0
Now, Inc. COM 67011p100 260 17,560 SH   SOLE   17,560 0 0
Omega Healthcare Inv Inc COM 681936100 1,177 33,490 SH   SOLE   33,490 0 0
Pepsico Inc COM 713448108 5,743 60,899 SH   SOLE   60,899 0 0
Pfizer Inc COM 717081103 3,283 104,526 SH   SOLE   104,526 0 0
Philip Morris International COM 718172109 742 9,348 SH   SOLE   9,348 0 0
Phillips66 COM 718546104 449 5,840 SH   SOLE   5,840 0 0
Plains All American Pipl LP COM 726503105 896 29,490 SH   SOLE   29,490 0 0
Proctor & Gamble Co COM 742718109 2,794 38,844 SH   SOLE   38,844 0 0
Propell Technologies Inc. COM 74345u102 4 29,646 SH   SOLE   29,646 0 0
Public Service Enterprise Grou COM 744573106 236 5,600 SH   SOLE   5,600 0 0
Qualcom Inc COM 747525103 6,399 119,098 SH   SOLE   119,098 0 0
Redhat, Inc. COM 756577102 242 3,360 SH   SOLE   3,360 0 0
Royal Dutch Shell Plc Adr Cl A COM 131004202 1,037 21,877 SH   SOLE   21,877 0 0
Rubicon Minerals Corp COM 780911103 7 10,000 SH   SOLE   10,000 0 0
SPDR Gold Tr Gold Shs COM 78463v107 662 6,195 SH   SOLE   6,195 0 0
Schlumberger Ltd COM 806857108 2,218 32,159 SH   SOLE   32,159 0 0
Schwab Total Bond Market Fund COM 808517502 321 33,750 SH   SOLE   33,750 0 0
Sector SPDR Tr Amex Tech Selec COM 81369Y803 486 12,300 SH   SOLE   12,300 0 0
Sector SPDR Tr Amex Util Selec COM 81369Y886 642 14,820 SH   SOLE   14,820 0 0
Sempra Energy COM 816851109 263 2,715 SH   SOLE   2,715 0 0
Senior Housing Properties Trus COM 81721M109 466 28,780 SH   SOLE   28,780 0 0
Shire PLC Spons ADR COM 82481r106 218 1,060 SH   SOLE   1,060 0 0
Sky440 Inc. COM 83082Y102 0 60,000 SH   SOLE   60,000 0 0
Sothebys Class A COM 835898107 4,424 138,328 SH   SOLE   138,328 0 0
Spectra Energy Corp COM 847560109 397 15,116 SH   SOLE   15,116 0 0
State Street Corp COM 857477103 3,573 53,158 SH   SOLE   53,158 0 0
Stryker Corp COM 863667101 663 7,050 SH   SOLE   7,050 0 0
Suntrust Banks Inc COM 867914103 405 10,600 SH   SOLE   10,600 0 0
Sysco Corporation COM 871829107 264 6,771 SH   SOLE   6,771 0 0
The Bank of Novia Scotia COM 064149107 343 7,770 SH   SOLE   7,770 0 0
Time Warner Inc COM 887317303 6,896 100,300 SH   SOLE   100,300 0 0
Torchmark Corporation COM 891027104 1,459 25,875 SH   SOLE   25,875 0 0
Toronto Dominion Bank COM 891160509 6,622 167,989 SH   SOLE   167,989 0 0
Total SA Spons ADR COM 89151E109 495 11,080 SH   SOLE   11,080 0 0
Travelers Cos Inc COM 89417E109 516 5,184 SH   SOLE   5,184 0 0
Twenty First Century Fox Inc C COM 90130A101 7,939 294,251 SH   SOLE   294,251 0 0
US Bancorp COM 902973304 679 16,561 SH   SOLE   16,561 0 0
Union Pacific Corp COM 907818108 1,503 16,998 SH   SOLE   16,998 0 0
United Techno Corp COM 913017109 726 8,161 SH   SOLE   8,161 0 0
Unum Provident Corp COM 903192102 245 7,622 SH   SOLE   7,622 0 0
Valeant Pharma Intl F COM 91911K102 14,263 79,960 SH   SOLE   79,960 0 0
Valero Energy Corp COM 91913Y100 242 4,030 SH   SOLE   4,030 0 0
Ventas Inc COM 92276F100 4,685 83,565 SH   SOLE   83,565 0 0
Verizon Communications Corp COM 92343v104 1,880 43,206 SH   SOLE   43,206 0 0
Visa Inc Class A COM 92826C839 12,192 175,016 SH   SOLE   175,016 0 0
Walgreen Boots Alliance COM 931427108 686 8,259 SH   SOLE   8,259 0 0
Waste Management Inc COM 94106L109 1,878 37,699 SH   SOLE   37,699 0 0
Wells Fargo & Co. COM 949746101 2,538 49,417 SH   SOLE   49,417 0 0
Westpac Banking-Spon Adr COM 961214301 269 12,750 SH   SOLE   12,750 0 0
Williams Cos Inc COM 969457100 778 21,115 SH   SOLE   21,115 0 0
Wisdom Tree Europe Hedged Equi COM 0 381 6,968 SH   SOLE   6,968 0 0
Wisdomtree TR Japan Hedged Equ COM 97717W851 506 10,399 SH   SOLE   10,399 0 0
Yum Brands Inc COM 895953107 853 10,664 SH   SOLE   10,664 0 0
Affiliated Mgrs Senior Nt 5.25 PRD 008252868 345 13,800 SH   SOLE   13,800 0 0
Affiliated Mgrs Senior Nt 5.25 PRD 008252868 2,378 95,155 SH   SOLE   95,155 0 0
Arch Capital Group LTD PFD 6.7 PRD G0450A204 374 14,500 SH   SOLE   14,500 0 0
GOLDMAN SACHS GROUP INC DEP SH PRD 38144x500 294 11,475 SH   SOLE   11,475 0 0
Kayne Anderson MLP Ser G Pfd 4 PRD 0 254 10,000 SH   SOLE   10,000 0 0
Kayne Anderson Pfd 3.5% PRD 486606601 219 8,700 SH   SOLE   8,700 0 0
Merrill Lynch 6.45% due 06/15/ PRD 0 1,928 75,949 SH   SOLE   75,949 0 0
Merrill Lynch Pfd Cap 7% Tr II PRD 0 1,188 46,833 SH   SOLE   46,833 0 0
Merrill Lynch Pfd Cap 7% Tr II PRD 59021F206 297 11,700 SH   SOLE   11,700 0 0
Morgan Stanley Pfd Cap III due PRD 617460209 4,152 163,520 SH   SOLE   163,520 0 0
Nextera Energy Ser H 5.625% du PRD 65339K704 321 13,000 SH   SOLE   13,000 0 0
Prudential Financial 5.75% PRD 744320607 252 10,000 SH   SOLE   10,000 0 0
Stanley Black & Decker 5.75% PRD 854502705 395 15,500 SH   SOLE   15,500 0 0
Suntrust Bank Inc. 1/4000 Prd PRD 867914509 311 14,000 SH   SOLE   14,000 0 0
American Fd Fundamental Invest MF 360802102 257 5,259 SH   SOLE   5,259 0 0
BNY Mellon Int'l Apprec Fd Inv MF 05569M558 375 31,806 SH   SOLE   31,806 0 0
BNY Mellon Small Cap Stock Fun MF 05569M889 243 16,042 SH   SOLE   16,042 0 0
Dreyfus High Yield CL I MF 261980759 86 14,209 SH   SOLE   14,209 0 0
Fidelity Interediate Muni Inco MF 31638R204 293 28,061 SH   SOLE   28,061 0 0
Fidelity Short Intermediate Mu MF 316203207 241 22,614 SH   SOLE   22,614 0 0
Royce Total Return Fund MF 0 293 22,010 SH   SOLE   22,010 0 0
Third Avenue Value Fund MF 884116104 293 5,880 SH   SOLE   5,880 0 0