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 4,400 26,676 SH   SOLE   26,676 0 0
ABBVIE INC COM 00287Y109 2,925 49,968 SH   SOLE   49,968 0 0
ACTAVIS PLC SHS G0083B108 261 876 SH   SOLE   144 0 732
AMAZON COM INC COM 023135106 3,243 8,716 SH   SOLE   8,716 0 0
AMERICAN EXPRESS CO COM 025816109 2,631 33,683 SH   SOLE   33,683 0 0
AMERISOURCEBERGEN CORP COM 03073E105 218 1,921 SH   SOLE   1,921 0 0
AMGEN INC COM 031162100 825 5,162 SH   SOLE   5,162 0 0
ANADARKO PETE CORP COM 032511107 3,024 36,521 SH   SOLE   34,422 0 2,099
APPLE INC COM 037833100 7,400 59,473 SH   SOLE   59,473 0 0
AT&T INC COM 00206R102 2,730 83,625 SH   SOLE   83,625 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 224 2,612 SH   SOLE   2,612 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 989 6,855 SH   SOLE   6,855 0 0
BOEING CO COM 097023105 4,703 31,334 SH   SOLE   31,334 0 0
BP PLC SPONSORED ADR 055622104 300 7,659 SH   SOLE   7,659 0 0
CATERPILLAR INC DEL COM 149123101 2,455 30,671 SH   SOLE   30,671 0 0
CELGENE CORP COM 151020104 5,044 43,750 SH   SOLE   43,750 0 0
CHEVRON CORP NEW COM 166764100 2,366 22,536 SH   SOLE   22,536 0 0
COCA COLA CO COM 191216100 280 6,900 SH   SOLE   6,900 0 0
COMCAST CORP NEW CL A SPL 20030N200 294 5,244 SH   SOLE   275 0 4,969
CONOCOPHILLIPS COM 20825C104 409 6,567 SH   SOLE   6,567 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,419 22,571 SH   SOLE   22,571 0 0
CVS HEALTH CORP COM 126650100 5,795 56,145 SH   SOLE   56,145 0 0
DANAHER CORP DEL COM 235851102 3,725 43,870 SH   SOLE   43,870 0 0
DISNEY WALT CO COM DISNEY 254687106 321 3,064 SH   SOLE   3,064 0 0
DTE ENERGY CO COM 233331107 767 9,510 SH   SOLE   9,510 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,789 23,303 SH   SOLE   23,303 0 0
EXXON MOBIL CORP COM 30231G102 3,205 37,705 SH   SOLE   37,705 0 0
F5 NETWORKS INC COM 315616102 2,441 21,240 SH   SOLE   21,240 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 673 41,685 SH   SOLE   41,685 0 0
FREEPORT-MCMORAN INC CL B 35671D857 1,013 53,466 SH   SOLE   50,467 0 2,999
GALLAGHER ARTHUR J & CO COM 363576109 2,316 49,549 SH   SOLE   49,549 0 0
GENERAL ELECTRIC CO COM 369604103 2,360 95,133 SH   SOLE   95,133 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,576 13,704 SH   SOLE   13,704 0 0
HORMEL FOODS CORP COM 440452100 4,125 72,561 SH   SOLE   72,561 0 0
INTEL CORP COM 458140100 334 10,693 SH   SOLE   10,693 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 621 3,871 SH   SOLE   3,871 0 0
ISHARES SHT NTLAMTFR ETF 464288158 1,008 9,525 SH   SOLE   9,525 0 0
ISHARES NAT AMT FREE BD 464288414 1,319 11,930 SH   SOLE   11,930 0 0
ISHARES 1-3 YR CR BD ETF 464288646 1,124 10,651 SH   SOLE   10,651 0 0
ISHARES GOLD TRUST ISHARES 464285105 4,048 353,570 SH   SOLE   351,640 0 1,930
ISHARES TR SELECT DIVID ETF 464287168 426 5,466 SH   SOLE   5,466 0 0
ISHARES TR TIPS BD ETF 464287176 14,927 131,407 SH   SOLE   129,744 0 1,663
ISHARES TR CORE S&P500 ETF 464287200 107,315 516,360 SH   SOLE   510,486 0 5,874
ISHARES TR MSCI EMG MKT ETF 464287234 2,281 56,839 SH   SOLE   56,839 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 499 4,377 SH   SOLE   4,377 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,695 88,752 SH   SOLE   88,685 0 67
ISHARES TR RUS MID-CAP ETF 464287499 2,356 13,608 SH   SOLE   13,498 0 110
ISHARES TR CORE S&P MCP ETF 464287507 19,825 130,444 SH   SOLE   129,634 0 810
ISHARES TR COHEN&STEER REIT 464287564 3,604 35,635 SH   SOLE   35,135 0 500
ISHARES TR RUS 1000 VAL ETF 464287598 689 6,684 SH   SOLE   6,684 0 0
ISHARES TR S&P MC 400GR ETF 464287606 270 1,575 SH   SOLE   1,575 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,084 10,955 SH   SOLE   10,955 0 0
ISHARES TR RUS 1000 ETF 464287622 12,464 107,591 SH   SOLE   107,591 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,151 17,298 SH   SOLE   17,298 0 0
ISHARES TR U.S. UTILITS ETF 464287697 506 4,525 SH   SOLE   4,525 0 0
ISHARES TR S&P MC 400VL ETF 464287705 258 1,970 SH   SOLE   1,970 0 0
ISHARES TR CORE S&P SCP ETF 464287804 15,154 128,393 SH   SOLE   127,663 0 730
ISHARES TR CORE HIGH DV ETF 46429B663 372 4,955 SH   SOLE   4,955 0 0
JOHNSON & JOHNSON COM 478160104 639 6,353 SH   SOLE   6,353 0 0
JPMORGAN CHASE & CO COM 46625H100 4,596 75,866 SH   SOLE   75,866 0 0
KIMBERLY CLARK CORP COM 494368103 269 2,507 SH   SOLE   2,507 0 0
KROGER CO COM 501044101 213 2,778 SH   SOLE   2,778 0 0
LOWES COS INC COM 548661107 4,857 65,297 SH   SOLE   65,297 0 0
MICROSOFT CORP COM 594918104 3,790 93,223 SH   SOLE   92,723 0 500
NATIONAL OILWELL VARCO INC COM 637071101 1,223 24,473 SH   SOLE   23,618 0 855
NUCOR CORP COM 670346105 1,747 36,749 SH   SOLE   34,684 0 2,065
ORACLE CORP COM 68389X105 588 13,630 SH   SOLE   13,630 0 0
PEPSICO INC COM 713448108 351 3,667 SH   SOLE   3,667 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 15,454 169,253 SH   SOLE   167,263 0 1,990
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 278 2,636 SH   SOLE   2,636 0 0
PRICE T ROWE GROUP INC COM 74144T108 3,458 42,703 SH   SOLE   42,703 0 0
PROCTER & GAMBLE CO COM 742718109 2,894 35,322 SH   SOLE   35,322 0 0
QUALCOMM INC COM 747525103 3,316 47,825 SH   SOLE   47,825 0 0
ROCKWELL MED INC COM 774374102 774 70,834 SH   SOLE   70,834 0 0
ROPER INDS INC NEW COM 776696106 3,917 22,775 SH   SOLE   22,775 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 265 4,440 SH   SOLE   4,440 0 0
SCHLUMBERGER LTD COM 806857108 2,192 26,265 SH   SOLE   26,265 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 464 9,185 SH   SOLE   9,185 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 767 15,483 SH   SOLE   15,483 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 273 9,035 SH   SOLE   9,035 0 0
SHERWIN WILLIAMS CO COM 824348106 1,004 3,528 SH   SOLE   3,528 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 5,959 60,627 SH   SOLE   60,627 0 0
SNAP ON INC COM 833034101 3,074 20,906 SH   SOLE   20,906 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,653 22,541 SH   SOLE   22,541 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 534 1,925 SH   SOLE   1,925 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 21,604 740,124 SH   SOLE   737,174 0 2,950
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 351 8,949 SH   SOLE   8,949 0 0
STRYKER CORP COM 863667101 5,043 54,664 SH   SOLE   54,664 0 0
SYNOPSYS INC COM 871607107 2,821 60,905 SH   SOLE   60,905 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 364 5,848 SH   SOLE   5,848 0 0
TJX COS INC NEW COM 872540109 3,144 44,884 SH   SOLE   44,884 0 0
UNITED PARCEL SERVICE INC CL B 911312106 10,187 105,085 SH   SOLE   105,085 0 0
UNITED TECHNOLOGIES CORP COM 913017109 3,915 33,401 SH   SOLE   33,401 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,797 40,555 SH   SOLE   37,676 0 2,879
V F CORP COM 918204108 3,821 50,732 SH   SOLE   50,732 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,052 10,846 SH   SOLE   10,516 0 330
VANGUARD INDEX FDS REIT ETF 922908553 1,970 23,361 SH   SOLE   23,321 0 40
VANGUARD INDEX FDS MID CAP ETF 922908629 369 2,780 SH   SOLE   2,780 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 487 3,975 SH   SOLE   3,975 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,798 44,732 SH   SOLE   44,732 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,055 319,417 SH   SOLE   317,127 0 2,290
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 21,083 262,848 SH   SOLE   262,848 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 13,989 159,512 SH   SOLE   159,362 0 150
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 52,520 1,318,606 SH   SOLE   1,310,126 0 8,480
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 17,910 262,223 SH   SOLE   261,598 0 625
WABTEC CORP COM 929740108 4,494 47,296 SH   SOLE   47,296 0 0
WELLS FARGO & CO NEW COM 949746101 429 7,880 SH   SOLE   7,880 0 0