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 3,975 23,855 SH   SOLE 23,855 0 0
ABBVIE INC COM 00287Y109 2,950 51,645 SH   SOLE 51,645 0 0
ALLERGAN PLC SHS G0177J108 232 864 SH   SOLE 132 0 732
ALTRIA GROUP INC COM 02209S103 358 5,715 SH   SOLE 5,715 0 0
AMAZON COM INC COM 023135106 5,220 8,794 SH   SOLE 8,794 0 0
AMERICAN EXPRESS CO COM 025816109 344 5,600 SH   SOLE 5,600 0 0
AMERISOURCEBERGEN CORP COM 03073E105 1,326 15,325 SH   SOLE 15,325 0 0
AMGEN INC COM 031162100 678 4,519 SH   SOLE 4,519 0 0
ANADARKO PETE CORP COM 032511107 1,960 42,082 SH   SOLE 39,009 0 3,073
APPLE INC COM 037833100 6,273 57,555 SH   SOLE 57,555 0 0
AT&T INC COM 00206R102 3,172 80,981 SH   SOLE 80,981 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 209 2,328 SH   SOLE 2,328 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 866 6,107 SH   SOLE 6,107 0 0
BOEING CO COM 097023105 3,739 29,454 SH   SOLE 29,454 0 0
BP PLC SPONSORED ADR 055622104 218 7,231 SH   SOLE 7,231 0 0
CATERPILLAR INC DEL COM 149123101 2,345 30,632 SH   SOLE 30,632 0 0
CELGENE CORP COM 151020104 3,638 36,343 SH   SOLE 36,343 0 0
CHEVRON CORP NEW COM 166764100 2,137 22,398 SH   SOLE 22,398 0 0
COCA COLA CO COM 191216100 236 5,090 SH   SOLE 5,090 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 2,208 35,217 SH   SOLE 35,217 0 0
COMCAST CORP NEW CL A 20030N101 321 5,250 SH   SOLE 281 0 4,969
COSTCO WHSL CORP NEW COM 22160K105 2,916 18,505 SH   SOLE 18,505 0 0
CVS HEALTH CORP COM 126650100 4,679 45,107 SH   SOLE 45,107 0 0
DANAHER CORP DEL COM 235851102 3,940 41,531 SH   SOLE 41,531 0 0
DISNEY WALT CO COM DISNEY 254687106 276 2,784 SH   SOLE 2,784 0 0
DTE ENERGY CO COM 233331107 1,038 11,444 SH   SOLE 11,444 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,727 21,407 SH   SOLE 21,407 0 0
EXXON MOBIL CORP COM 30231G102 3,534 42,280 SH   SOLE 42,280 0 0
F5 NETWORKS INC COM 315616102 2,051 19,380 SH   SOLE 19,380 0 0
FACEBOOK INC CL A 30303M102 3,549 31,104 SH   SOLE 31,104 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 407 30,185 SH   SOLE 30,185 0 0
FREEPORT-MCMORAN INC CL B 35671D857 123 11,850 SH   SOLE 2,850 0 9,000
GALLAGHER ARTHUR J & CO COM 363576109 2,026 45,544 SH   SOLE 45,544 0 0
GENERAL ELECTRIC CO COM 369604103 2,854 89,775 SH   SOLE 89,775 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,208 14,065 SH   SOLE 14,065 0 0
HOME DEPOT INC COM 437076102 267 1,999 SH   SOLE 1,999 0 0
HORMEL FOODS CORP COM 440452100 3,007 69,541 SH   SOLE 69,541 0 0
INTEL CORP COM 458140100 342 10,582 SH   SOLE 10,582 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,750 315,629 SH   SOLE 313,069 0 2,560
ISHARES INC CORE MSCI EMKT 46434G103 919 22,080 SH   SOLE 22,080 0 0
ISHARES TR SELECT DIVID ETF 464287168 359 4,391 SH   SOLE 4,391 0 0
ISHARES TR TIPS BD ETF 464287176 19,046 166,141 SH   SOLE 164,238 0 1,903
ISHARES TR CORE S&P500 ETF 464287200 108,560 525,333 SH   SOLE 519,724 0 5,609
ISHARES TR MSCI EMG MKT ETF 464287234 1,088 31,776 SH   SOLE 31,776 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 403 3,477 SH   SOLE 3,477 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,401 111,989 SH   SOLE 111,922 0 67
ISHARES TR RUS MID-CAP ETF 464287499 3,133 19,230 SH   SOLE 19,120 0 110
ISHARES TR CORE S&P MCP ETF 464287507 39,451 273,603 SH   SOLE 272,063 0 1,540
ISHARES TR COHEN&STEER REIT 464287564 2,457 23,818 SH   SOLE 23,728 0 90
ISHARES TR RUS 1000 VAL ETF 464287598 660 6,684 SH   SOLE 6,684 0 0
ISHARES TR S&P MC 400GR ETF 464287606 293 1,800 SH   SOLE 1,800 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,110 11,127 SH   SOLE 11,127 0 0
ISHARES TR RUS 1000 ETF 464287622 12,568 110,181 SH   SOLE 110,181 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,613 23,619 SH   SOLE 23,619 0 0
ISHARES TR U.S. UTILITS ETF 464287697 711 5,745 SH   SOLE 5,745 0 0
ISHARES TR S&P MC 400VL ETF 464287705 216 1,745 SH   SOLE 1,745 0 0
ISHARES TR CORE S&P SCP ETF 464287804 26,863 238,638 SH   SOLE 237,328 0 1,310
ISHARES TR SHRT NAT MUN ETF 464288158 5,015 47,245 SH   SOLE 47,245 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,612 23,395 SH   SOLE 23,395 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 3,481 33,022 SH   SOLE 33,022 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 340 4,354 SH   SOLE 4,354 0 0
ISHARES TR CORE MSCI EAFE 46432F842 482 9,075 SH   SOLE 9,075 0 0
JOHNSON & JOHNSON COM 478160104 816 7,538 SH   SOLE 7,538 0 0
JPMORGAN CHASE & CO COM 46625H100 4,335 73,195 SH   SOLE 73,195 0 0
KIMBERLY CLARK CORP COM 494368103 309 2,300 SH   SOLE 2,300 0 0
KROGER CO COM 501044101 217 5,661 SH   SOLE 5,661 0 0
LOWES COS INC COM 548661107 4,155 54,857 SH   SOLE 54,857 0 0
METLIFE INC COM 59156R108 1,444 32,866 SH   SOLE 32,866 0 0
MICROSOFT CORP COM 594918104 5,383 97,460 SH   SOLE 96,960 0 500
NATIONAL OILWELL VARCO INC COM 637071101 887 28,515 SH   SOLE 26,660 0 1,855
NUCOR CORP COM 670346105 1,786 37,755 SH   SOLE 35,255 0 2,500
ORACLE CORP COM 68389X105 295 7,208 SH   SOLE 7,208 0 0
PEPSICO INC COM 713448108 260 2,535 SH   SOLE 2,535 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 13,581 154,062 SH   SOLE 152,072 0 1,990
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 288 2,636 SH   SOLE 2,636 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,632 35,834 SH   SOLE 35,834 0 0
PROCTER & GAMBLE CO COM 742718109 2,891 35,126 SH   SOLE 35,126 0 0
QUALCOMM INC COM 747525103 2,039 39,871 SH   SOLE 39,871 0 0
ROCKWELL MED INC COM 774374102 636 84,734 SH   SOLE 84,734 0 0
ROPER TECHNOLOGIES INC COM 776696106 3,815 20,871 SH   SOLE 20,871 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 215 4,440 SH   SOLE 4,440 0 0
SCHLUMBERGER LTD COM 806857108 2,038 27,632 SH   SOLE 27,632 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 634 12,855 SH   SOLE 12,855 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,051 21,510 SH   SOLE 21,510 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 334 8,239 SH   SOLE 8,239 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 282 5,418 SH   SOLE 5,418 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 400 14,745 SH   SOLE 14,745 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 380 6,140 SH   SOLE 6,140 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 420 18,685 SH   SOLE 18,685 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 460 10,380 SH   SOLE 10,380 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,333 29,943 SH   SOLE 29,943 0 0
SNAP ON INC COM 833034101 3,362 21,414 SH   SOLE 21,414 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 253 2,152 SH   SOLE 2,152 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,860 23,646 SH   SOLE 23,646 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 645 2,455 SH   SOLE 2,455 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 16,669 645,578 SH   SOLE 642,028 0 3,550
STRYKER CORP COM 863667101 5,993 55,855 SH   SOLE 55,855 0 0
SYNOPSYS INC COM 871607107 2,598 53,625 SH   SOLE 53,625 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 313 5,848 SH   SOLE 5,848 0 0
TJX COS INC NEW COM 872540109 3,628 46,302 SH   SOLE 46,302 0 0
ULTA SALON COSMETCS & FRAG I COM 90384S303 1,955 10,090 SH   SOLE 10,090 0 0
UNITED PARCEL SERVICE INC CL B 911312106 11,109 105,325 SH   SOLE 105,325 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,945 29,416 SH   SOLE 29,416 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,248 32,954 SH   SOLE 30,283 0 2,671
V F CORP COM 918204108 3,257 50,300 SH   SOLE 50,300 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,830 9,707 SH   SOLE 9,707 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,712 32,357 SH   SOLE 31,967 0 390
VANGUARD INDEX FDS MID CAP ETF 922908629 369 3,040 SH   SOLE 3,040 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 556 4,990 SH   SOLE 4,990 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,467 52,159 SH   SOLE 52,159 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,726 310,186 SH   SOLE 307,896 0 2,290
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,668 233,260 SH   SOLE 233,260 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 17,859 205,438 SH   SOLE 205,438 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 49,858 1,389,584 SH   SOLE 1,381,104 0 8,480
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 16,723 242,222 SH   SOLE 241,997 0 225
WABTEC CORP COM 929740108 2,092 26,386 SH   SOLE 26,386 0 0
WAL-MART STORES INC COM 931142103 261 3,805 SH   SOLE 3,805 0 0
WEATHERFORD INTL PLC ORD SHS G48833100 140 18,000 SH   SOLE 0 0 18,000
WELLS FARGO & CO NEW COM 949746101 237 4,900 SH   SOLE 4,900 0 0
WEYERHAEUSER CO COM 962166104 1,514 48,870 SH   SOLE 48,870 0 0