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 3,507 24,739 SH   SOLE 24,739 0 0
ABBVIE INC COM 00287Y109 2,699 49,597 SH   SOLE 49,597 0 0
ALLERGAN PLC SHS G0177J108 238 876 SH   SOLE 144 0 732
ALTRIA GROUP INC COM 02209S103 247 4,536 SH   SOLE 4,536 0 0
AMAZON COM INC COM 023135106 4,389 8,575 SH   SOLE 8,575 0 0
AMERICAN EXPRESS CO COM 025816109 480 6,480 SH   SOLE 6,480 0 0
AMERISOURCEBERGEN CORP COM 03073E105 1,727 18,185 SH   SOLE 18,185 0 0
AMGEN INC COM 031162100 714 5,162 SH   SOLE 5,162 0 0
ANADARKO PETE CORP COM 032511107 1,983 32,836 SH   SOLE 30,263 0 2,573
APPLE INC COM 037833100 6,247 56,636 SH   SOLE 56,636 0 0
AT&T INC COM 00206R102 2,569 78,860 SH   SOLE 78,860 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 210 2,612 SH   SOLE 2,612 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 911 6,985 SH   SOLE 6,985 0 0
BOEING CO COM 097023105 3,838 29,308 SH   SOLE 29,308 0 0
BP PLC SPONSORED ADR 055622104 221 7,231 SH   SOLE 7,231 0 0
CATERPILLAR INC DEL COM 149123101 1,997 30,551 SH   SOLE 30,551 0 0
CELGENE CORP COM 151020104 4,066 37,590 SH   SOLE 37,590 0 0
CHEVRON CORP NEW COM 166764100 1,737 22,019 SH   SOLE 22,019 0 0
COCA COLA CO COM 191216100 204 5,090 SH   SOLE 5,090 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,181 34,832 SH   SOLE 34,832 0 0
COMCAST CORP NEW CL A SPL 20030N200 300 5,244 SH   SOLE 275 0 4,969
CONOCOPHILLIPS COM 20825C104 252 5,252 SH   SOLE 5,252 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,307 22,877 SH   SOLE 22,877 0 0
CVS HEALTH CORP COM 126650100 4,612 47,802 SH   SOLE 47,802 0 0
DANAHER CORP DEL COM 235851102 3,555 41,720 SH   SOLE 41,720 0 0
DISNEY WALT CO COM DISNEY 254687106 295 2,884 SH   SOLE 2,884 0 0
DTE ENERGY CO COM 233331107 869 10,817 SH   SOLE 10,817 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,571 21,842 SH   SOLE 21,842 0 0
EXXON MOBIL CORP COM 30231G102 3,031 40,761 SH   SOLE 40,761 0 0
F5 NETWORKS INC COM 315616102 2,432 21,005 SH   SOLE 21,005 0 0
FACEBOOK INC CL A 30303M102 2,429 27,023 SH   SOLE 27,023 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 479 35,292 SH   SOLE 35,292 0 0
FREEPORT-MCMORAN INC CL B 35671D857 560 57,755 SH   SOLE 50,884 0 6,871
GALLAGHER ARTHUR J & CO COM 363576109 2,024 49,036 SH   SOLE 49,036 0 0
GENERAL ELECTRIC CO COM 369604103 2,264 89,783 SH   SOLE 89,783 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,525 14,530 SH   SOLE 14,530 0 0
HOME DEPOT INC COM 437076102 231 1,999 SH   SOLE 1,999 0 0
HORMEL FOODS CORP COM 440452100 3,972 62,734 SH   SOLE 62,734 0 0
INTEL CORP COM 458140100 313 10,393 SH   SOLE 10,393 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 555 3,827 SH   SOLE 3,827 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,644 338,060 SH   SOLE 336,130 0 1,930
ISHARES TR SELECT DIVID ETF 464287168 319 4,391 SH   SOLE 4,391 0 0
ISHARES TR TIPS BD ETF 464287176 18,344 165,724 SH   SOLE 163,821 0 1,903
ISHARES TR CORE S&P500 ETF 464287200 98,608 511,692 SH   SOLE 506,318 0 5,374
ISHARES TR MSCI EMG MKT ETF 464287234 2,347 71,609 SH   SOLE 71,609 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 389 3,607 SH   SOLE 3,607 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,684 99,161 SH   SOLE 99,094 0 67
ISHARES TR RUS MID-CAP ETF 464287499 2,382 15,313 SH   SOLE 15,203 0 110
ISHARES TR CORE S&P MCP ETF 464287507 31,898 233,498 SH   SOLE 232,188 0 1,310
ISHARES TR COHEN&STEER REIT 464287564 2,760 29,799 SH   SOLE 29,709 0 90
ISHARES TR RUS 1000 VAL ETF 464287598 623 6,684 SH   SOLE 6,684 0 0
ISHARES TR S&P MC 400GR ETF 464287606 247 1,575 SH   SOLE 1,575 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 999 10,738 SH   SOLE 10,738 0 0
ISHARES TR RUS 1000 ETF 464287622 11,071 103,416 SH   SOLE 103,416 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,891 17,313 SH   SOLE 17,313 0 0
ISHARES TR U.S. UTILITS ETF 464287697 448 4,150 SH   SOLE 4,150 0 0
ISHARES TR S&P MC 400VL ETF 464287705 227 1,970 SH   SOLE 1,970 0 0
ISHARES TR CORE S&P SCP ETF 464287804 22,213 208,432 SH   SOLE 207,272 0 1,160
ISHARES TR SHT NTLAMTFR ETF 464288158 2,213 20,890 SH   SOLE 20,890 0 0
ISHARES TR NAT AMT FREE BD 464288414 1,451 13,245 SH   SOLE 13,245 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 3,802 36,167 SH   SOLE 36,167 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 288 4,143 SH   SOLE 4,143 0 0
JOHNSON & JOHNSON COM 478160104 722 7,731 SH   SOLE 7,731 0 0
JPMORGAN CHASE & CO COM 46625H100 4,507 73,924 SH   SOLE 73,924 0 0
KIMBERLY CLARK CORP COM 494368103 251 2,300 SH   SOLE 2,300 0 0
KROGER CO COM 501044101 203 5,634 SH   SOLE 5,634 0 0
LOWES COS INC COM 548661107 4,048 58,740 SH   SOLE 58,740 0 0
METLIFE INC COM 59156R108 1,780 37,746 SH   SOLE 37,746 0 0
MICROSOFT CORP COM 594918104 4,118 93,032 SH   SOLE 92,532 0 500
NATIONAL OILWELL VARCO INC COM 637071101 1,001 26,590 SH   SOLE 25,735 0 855
NUCOR CORP COM 670346105 1,468 39,084 SH   SOLE 37,019 0 2,065
O REILLY AUTOMOTIVE INC NEW COM 67103H107 200 800 SH   SOLE 800 0 0
ORACLE CORP COM 68389X105 450 12,459 SH   SOLE 12,459 0 0
PEPSICO INC COM 713448108 465 4,930 SH   SOLE 4,930 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 12,584 151,777 SH   SOLE 149,787 0 1,990
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 273 2,686 SH   SOLE 2,686 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,566 36,923 SH   SOLE 36,923 0 0
PROCTER & GAMBLE CO COM 742718109 2,484 34,534 SH   SOLE 34,534 0 0
QUALCOMM INC COM 747525103 2,519 46,889 SH   SOLE 46,889 0 0
ROCKWELL MED INC COM 774374102 587 76,184 SH   SOLE 76,184 0 0
ROPER TECHNOLOGIES INC COM 776696106 3,382 21,583 SH   SOLE 21,583 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 210 4,440 SH   SOLE 4,440 0 0
SCHLUMBERGER LTD COM 806857108 1,807 26,206 SH   SOLE 26,206 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 446 9,615 SH   SOLE 9,615 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 767 16,768 SH   SOLE 16,768 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 265 6,819 SH   SOLE 6,819 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 224 4,405 SH   SOLE 4,405 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 307 11,219 SH   SOLE 11,219 0 0
SHERWIN WILLIAMS CO COM 824348106 293 1,317 SH   SOLE 1,317 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,376 28,213 SH   SOLE 28,213 0 0
SNAP ON INC COM 833034101 3,145 20,839 SH   SOLE 20,839 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,861 25,366 SH   SOLE 25,366 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 487 1,955 SH   SOLE 1,955 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 16,638 617,578 SH   SOLE 614,028 0 3,550
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 313 8,789 SH   SOLE 8,789 0 0
STRYKER CORP COM 863667101 5,119 54,397 SH   SOLE 54,397 0 0
SYNOPSYS INC COM 871607107 2,576 55,775 SH   SOLE 55,775 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 336 5,948 SH   SOLE 5,948 0 0
TJX COS INC NEW COM 872540109 3,291 46,086 SH   SOLE 46,086 0 0
UNITED PARCEL SERVICE INC CL B 911312106 10,395 105,325 SH   SOLE 105,325 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,697 30,303 SH   SOLE 30,303 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,182 36,053 SH   SOLE 33,292 0 2,761
V F CORP COM 918204108 3,414 50,049 SH   SOLE 50,049 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,751 9,966 SH   SOLE 9,966 0 0
VANGUARD INDEX FDS REIT ETF 922908553 1,912 25,309 SH   SOLE 24,919 0 390
VANGUARD INDEX FDS MID CAP ETF 922908629 340 2,915 SH   SOLE 2,915 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 440 4,080 SH   SOLE 4,080 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,389 44,459 SH   SOLE 44,459 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,076 304,507 SH   SOLE 302,217 0 2,290
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 22,092 277,160 SH   SOLE 277,160 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,163 165,779 SH   SOLE 165,779 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 48,147 1,350,922 SH   SOLE 1,342,442 0 8,480
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 14,963 238,831 SH   SOLE 238,606 0 225
WABTEC CORP COM 929740108 2,250 25,556 SH   SOLE 25,556 0 0
WAL-MART STORES INC COM 931142103 247 3,805 SH   SOLE 3,805 0 0
WELLS FARGO & CO NEW COM 949746101 312 6,085 SH   SOLE 6,085 0 0