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 3,685 24,465 SH   SOLE 24,465 0 0
ABBVIE INC COM 00287Y109 3,025 51,064 SH   SOLE 51,064 0 0
ALLERGAN PLC SHS G0177J108 274 876 SH   SOLE 144 0 732
ALTRIA GROUP INC COM 02209S103 332 5,708 SH   SOLE 5,708 0 0
AMAZON COM INC COM 023135106 5,739 8,491 SH   SOLE 8,491 0 0
AMERICAN EXPRESS CO COM 025816109 416 5,980 SH   SOLE 5,980 0 0
AMERISOURCEBERGEN CORP COM 03073E105 1,546 14,905 SH   SOLE 14,905 0 0
AMGEN INC COM 031162100 867 5,342 SH   SOLE 5,342 0 0
ANADARKO PETE CORP COM 032511107 1,443 29,708 SH   SOLE 26,635 0 3,073
APPLE INC COM 037833100 6,014 57,136 SH   SOLE 57,136 0 0
AT&T INC COM 00206R102 2,724 79,153 SH   SOLE 79,153 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 227 2,678 SH   SOLE 2,678 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 883 6,685 SH   SOLE 6,685 0 0
BOEING CO COM 097023105 4,088 28,273 SH   SOLE 28,273 0 0
BP PLC SPONSORED ADR 055622104 226 7,231 SH   SOLE 7,231 0 0
BROADCOM CORP CL A 111320107 212 3,668 SH   SOLE 0 0 3,668
CATERPILLAR INC DEL COM 149123101 2,010 29,571 SH   SOLE 29,571 0 0
CELGENE CORP COM 151020104 4,380 36,573 SH   SOLE 36,573 0 0
CHEVRON CORP NEW COM 166764100 1,917 21,309 SH   SOLE 21,309 0 0
COCA COLA CO COM 191216100 244 5,690 SH   SOLE 5,690 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,032 33,857 SH   SOLE 33,857 0 0
COMCAST CORP NEW CL A 20030N101 296 5,244 SH   SOLE 275 0 4,969
COSTCO WHSL CORP NEW COM 22160K105 3,762 23,297 SH   SOLE 23,297 0 0
CVS HEALTH CORP COM 126650100 4,411 45,112 SH   SOLE 45,112 0 0
DANAHER CORP DEL COM 235851102 3,849 41,440 SH   SOLE 41,440 0 0
DISNEY WALT CO COM DISNEY 254687106 303 2,884 SH   SOLE 2,884 0 0
DTE ENERGY CO COM 233331107 869 10,834 SH   SOLE 10,834 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,545 21,635 SH   SOLE 21,635 0 0
EXXON MOBIL CORP COM 30231G102 3,199 41,036 SH   SOLE 41,036 0 0
F5 NETWORKS INC COM 315616102 1,937 19,980 SH   SOLE 19,980 0 0
FACEBOOK INC CL A 30303M102 3,056 29,199 SH   SOLE 29,199 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 482 34,233 SH   SOLE 34,233 0 0
FREEPORT-MCMORAN INC CL B 35671D857 77 11,350 SH   SOLE 2,350 0 9,000
GALLAGHER ARTHUR J & CO COM 363576109 1,970 48,108 SH   SOLE 48,108 0 0
GENERAL ELECTRIC CO COM 369604103 2,800 89,874 SH   SOLE 89,874 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,641 14,652 SH   SOLE 14,652 0 0
HOME DEPOT INC COM 437076102 264 1,999 SH   SOLE 1,999 0 0
HORMEL FOODS CORP COM 440452100 4,755 60,135 SH   SOLE 60,135 0 0
INTEL CORP COM 458140100 385 11,188 SH   SOLE 11,188 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 508 3,694 SH   SOLE 3,694 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,316 324,114 SH   SOLE 322,184 0 1,930
ISHARES TR SELECT DIVID ETF 464287168 330 4,391 SH   SOLE 4,391 0 0
ISHARES TR TIPS BD ETF 464287176 19,242 175,438 SH   SOLE 173,535 0 1,903
ISHARES TR CORE S&P500 ETF 464287200 106,689 520,766 SH   SOLE 515,392 0 5,374
ISHARES TR MSCI EMG MKT ETF 464287234 2,103 65,324 SH   SOLE 65,324 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 370 3,197 SH   SOLE 3,197 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,844 99,529 SH   SOLE 99,462 0 67
ISHARES TR RUS MID-CAP ETF 464287499 2,613 16,315 SH   SOLE 16,205 0 110
ISHARES TR CORE S&P MCP ETF 464287507 34,611 248,430 SH   SOLE 247,120 0 1,310
ISHARES TR COHEN&STEER REIT 464287564 2,364 23,817 SH   SOLE 23,727 0 90
ISHARES TR RUS 1000 VAL ETF 464287598 654 6,684 SH   SOLE 6,684 0 0
ISHARES TR S&P MC 400GR ETF 464287606 254 1,575 SH   SOLE 1,575 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,107 11,126 SH   SOLE 11,126 0 0
ISHARES TR RUS 1000 ETF 464287622 11,653 102,841 SH   SOLE 102,841 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,053 18,233 SH   SOLE 18,233 0 0
ISHARES TR U.S. UTILITS ETF 464287697 452 4,185 SH   SOLE 4,185 0 0
ISHARES TR S&P MC 400VL ETF 464287705 231 1,970 SH   SOLE 1,970 0 0
ISHARES TR CORE S&P SCP ETF 464287804 24,510 222,596 SH   SOLE 221,436 0 1,160
ISHARES TR SHT NTLAMTFR ETF 464288158 4,876 46,020 SH   SOLE 46,020 0 0
ISHARES TR NAT AMT FREE BD 464288414 1,651 14,910 SH   SOLE 14,910 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 3,736 35,717 SH   SOLE 35,717 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 305 4,151 SH   SOLE 4,151 0 0
JOHNSON & JOHNSON COM 478160104 781 7,606 SH   SOLE 7,606 0 0
JPMORGAN CHASE & CO COM 46625H100 4,773 72,279 SH   SOLE 72,279 0 0
KIMBERLY CLARK CORP COM 494368103 306 2,400 SH   SOLE 2,400 0 0
KROGER CO COM 501044101 236 5,648 SH   SOLE 5,648 0 0
LOWES COS INC COM 548661107 4,283 56,321 SH   SOLE 56,321 0 0
METLIFE INC COM 59156R108 1,670 34,641 SH   SOLE 34,641 0 0
MICROSOFT CORP COM 594918104 5,234 94,339 SH   SOLE 93,839 0 500
NATIONAL OILWELL VARCO INC COM 637071101 922 27,545 SH   SOLE 25,690 0 1,855
NUCOR CORP COM 670346105 1,589 39,425 SH   SOLE 36,925 0 2,500
ORACLE CORP COM 68389X105 415 11,359 SH   SOLE 11,359 0 0
PEPSICO INC COM 713448108 460 4,600 SH   SOLE 4,600 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 13,220 152,249 SH   SOLE 150,259 0 1,990
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 289 2,586 SH   SOLE 2,586 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,580 36,084 SH   SOLE 36,084 0 0
PROCTER & GAMBLE CO COM 742718109 2,754 34,678 SH   SOLE 34,678 0 0
QUALCOMM INC COM 747525103 2,075 41,515 SH   SOLE 41,515 0 0
ROCKWELL MED INC COM 774374102 791 77,284 SH   SOLE 77,284 0 0
ROPER TECHNOLOGIES INC COM 776696106 4,027 21,216 SH   SOLE 21,216 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 203 4,440 SH   SOLE 4,440 0 0
SCHLUMBERGER LTD COM 806857108 1,816 26,032 SH   SOLE 26,032 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 621 12,657 SH   SOLE 12,657 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,021 21,017 SH   SOLE 21,017 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 541 13,505 SH   SOLE 13,505 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 262 5,031 SH   SOLE 5,031 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 362 13,147 SH   SOLE 13,147 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 271 4,495 SH   SOLE 4,495 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 202 8,474 SH   SOLE 8,474 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 258 6,030 SH   SOLE 6,030 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,178 28,353 SH   SOLE 28,353 0 0
SNAP ON INC COM 833034101 3,548 20,699 SH   SOLE 20,699 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,123 25,131 SH   SOLE 25,131 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 497 1,955 SH   SOLE 1,955 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 16,400 638,387 SH   SOLE 634,837 0 3,550
STRYKER CORP COM 863667101 5,137 55,275 SH   SOLE 55,275 0 0
SYNOPSYS INC COM 871607107 2,475 54,265 SH   SOLE 54,265 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 420 6,398 SH   SOLE 6,398 0 0
TJX COS INC NEW COM 872540109 3,116 43,941 SH   SOLE 43,941 0 0
UNITED PARCEL SERVICE INC CL B 911312106 10,135 105,325 SH   SOLE 105,325 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,823 29,384 SH   SOLE 29,384 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,014 34,118 SH   SOLE 31,357 0 2,761
V F CORP COM 918204108 3,165 50,845 SH   SOLE 50,845 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,795 9,602 SH   SOLE 9,602 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,487 31,193 SH   SOLE 30,803 0 390
VANGUARD INDEX FDS MID CAP ETF 922908629 399 3,325 SH   SOLE 3,325 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 501 4,525 SH   SOLE 4,525 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,668 44,754 SH   SOLE 44,754 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,314 315,331 SH   SOLE 313,041 0 2,290
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,997 253,161 SH   SOLE 253,161 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,930 177,544 SH   SOLE 177,544 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 50,738 1,381,755 SH   SOLE 1,373,275 0 8,480
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 15,209 227,846 SH   SOLE 227,621 0 225
WABTEC CORP COM 929740108 1,822 25,616 SH   SOLE 25,616 0 0
WAL-MART STORES INC COM 931142103 233 3,805 SH   SOLE 3,805 0 0
WEATHERFORD INTL PLC ORD SHS G48833100 151 18,000 SH   SOLE 0 0 18,000
WELLS FARGO & CO NEW COM 949746101 266 4,892 SH   SOLE 4,892 0 0
WEYERHAEUSER CO COM 962166104 1,287 42,945 SH   SOLE 42,945 0 0