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 3,997 22,826 SH   SOLE 22,826 0 0
ABBVIE INC COM 00287Y109 3,200 51,680 SH   SOLE 51,680 0 0
ALTRIA GROUP INC COM 02209S103 402 5,834 SH   SOLE 5,834 0 0
AMAZON COM INC COM 023135106 6,339 8,858 SH   SOLE 8,858 0 0
AMERICAN EXPRESS CO COM 025816109 286 4,710 SH   SOLE 4,710 0 0
AMERISOURCEBERGEN CORP COM 03073E105 1,209 15,245 SH   SOLE 15,245 0 0
AMGEN INC COM 031162100 681 4,479 SH   SOLE 4,479 0 0
ANADARKO PETE CORP COM 032511107 2,203 41,363 SH   SOLE 38,290 0 3,073
APPLE INC COM 037833100 5,632 58,911 SH   SOLE 58,911 0 0
AT&T INC COM 00206R102 3,565 82,494 SH   SOLE 82,494 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 207 2,254 SH   SOLE 2,254 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 895 6,182 SH   SOLE 6,182 0 0
BOEING CO COM 097023105 3,836 29,534 SH   SOLE 29,534 0 0
BP PLC SPONSORED ADR 055622104 257 7,231 SH   SOLE 7,231 0 0
BROADCOM LTD SHS Y09827109 284 1,830 SH   SOLE 225 0 1,605
CATERPILLAR INC DEL COM 149123101 2,308 30,448 SH   SOLE 30,448 0 0
CELGENE CORP COM 151020104 3,238 32,828 SH   SOLE 32,828 0 0
CHEVRON CORP NEW COM 166764100 2,395 22,846 SH   SOLE 22,846 0 0
COCA COLA CO COM 191216100 240 5,284 SH   SOLE 5,284 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 1,975 34,497 SH   SOLE 34,497 0 0
COMCAST CORP NEW CL A 20030N101 394 6,047 SH   SOLE 1,078 0 4,969
COSTCO WHSL CORP NEW COM 22160K105 2,862 18,227 SH   SOLE 18,227 0 0
CVS HEALTH CORP COM 126650100 4,250 44,387 SH   SOLE 44,387 0 0
DANAHER CORP DEL COM 235851102 4,116 40,751 SH   SOLE 40,751 0 0
DISNEY WALT CO COM DISNEY 254687106 282 2,887 SH   SOLE 2,887 0 0
DTE ENERGY CO COM 233331107 1,114 11,238 SH   SOLE 11,238 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,789 20,855 SH   SOLE 20,855 0 0
EXXON MOBIL CORP COM 30231G102 3,946 42,100 SH   SOLE 42,100 0 0
F5 NETWORKS INC COM 315616102 2,100 18,450 SH   SOLE 18,450 0 0
FACEBOOK INC CL A 30303M102 3,660 32,024 SH   SOLE 32,024 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 360 28,622 SH   SOLE 28,622 0 0
FREEPORT-MCMORAN INC CL B 35671D857 130 11,700 SH   SOLE 2,700 0 9,000
GALLAGHER ARTHUR J & CO COM 363576109 2,111 44,355 SH   SOLE 44,355 0 0
GENERAL ELECTRIC CO COM 369604103 2,877 91,393 SH   SOLE 91,393 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,097 14,116 SH   SOLE 14,116 0 0
HOME DEPOT INC COM 437076102 255 1,999 SH   SOLE 1,999 0 0
HORMEL FOODS CORP COM 440452100 2,401 65,607 SH   SOLE 65,607 0 0
INTEL CORP COM 458140100 347 10,583 SH   SOLE 10,583 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,988 312,519 SH   SOLE 309,959 0 2,560
ISHARES INC CORE MSCI EMKT 46434G103 1,156 27,632 SH   SOLE 27,632 0 0
ISHARES TR SELECT DIVID ETF 464287168 476 5,586 SH   SOLE 5,586 0 0
ISHARES TR TIPS BD ETF 464287176 20,733 177,705 SH   SOLE 175,802 0 1,903
ISHARES TR CORE S&P500 ETF 464287200 110,568 525,263 SH   SOLE 519,854 0 5,409
ISHARES TR MSCI EMG MKT ETF 464287234 1,010 29,406 SH   SOLE 29,406 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 405 3,477 SH   SOLE 3,477 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,165 110,439 SH   SOLE 110,372 0 67
ISHARES TR RUS MID-CAP ETF 464287499 2,996 17,815 SH   SOLE 17,705 0 110
ISHARES TR CORE S&P MCP ETF 464287507 42,269 282,944 SH   SOLE 281,404 0 1,540
ISHARES TR COHEN&STEER REIT 464287564 2,365 21,854 SH   SOLE 21,764 0 90
ISHARES TR RUS 1000 VAL ETF 464287598 728 7,049 SH   SOLE 7,049 0 0
ISHARES TR S&P MC 400GR ETF 464287606 304 1,800 SH   SOLE 1,800 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,066 10,623 SH   SOLE 10,623 0 0
ISHARES TR RUS 1000 ETF 464287622 11,509 98,461 SH   SOLE 98,461 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,659 23,122 SH   SOLE 23,122 0 0
ISHARES TR CORE US GRW ETF 464287671 234 2,862 SH   SOLE 2,862 0 0
ISHARES TR U.S. UTILITS ETF 464287697 825 6,285 SH   SOLE 6,285 0 0
ISHARES TR S&P MC 400VL ETF 464287705 223 1,745 SH   SOLE 1,745 0 0
ISHARES TR CORE S&P SCP ETF 464287804 28,515 245,377 SH   SOLE 244,067 0 1,310
ISHARES TR SP SMCP600GR ETF 464287887 202 1,576 SH   SOLE 1,576 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,300 49,843 SH   SOLE 49,843 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,513 22,062 SH   SOLE 22,062 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 3,475 32,752 SH   SOLE 32,752 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 358 4,358 SH   SOLE 4,358 0 0
ISHARES TR CORE MSCI EAFE 46432F842 642 12,375 SH   SOLE 12,375 0 0
JOHNSON & JOHNSON COM 478160104 930 7,670 SH   SOLE 7,670 0 0
JPMORGAN CHASE & CO COM 46625H100 4,545 73,138 SH   SOLE 73,138 0 0
KIMBERLY CLARK CORP COM 494368103 337 2,450 SH   SOLE 2,450 0 0
KROGER CO COM 501044101 229 6,226 SH   SOLE 6,226 0 0
LENNOX INTL INC COM 526107107 2,377 16,671 SH   SOLE 16,671 0 0
LOWES COS INC COM 548661107 4,214 53,223 SH   SOLE 53,223 0 0
METLIFE INC COM 59156R108 1,284 32,244 SH   SOLE 32,244 0 0
MICROSOFT CORP COM 594918104 4,957 96,877 SH   SOLE 96,377 0 500
NATIONAL OILWELL VARCO INC COM 637071101 946 28,100 SH   SOLE 26,245 0 1,855
NUCOR CORP COM 670346105 1,834 37,110 SH   SOLE 34,610 0 2,500
ORACLE CORP COM 68389X105 234 5,706 SH   SOLE 5,706 0 0
PEPSICO INC COM 713448108 285 2,688 SH   SOLE 2,688 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 14,309 158,079 SH   SOLE 156,089 0 1,990
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 269 2,501 SH   SOLE 2,501 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,595 35,565 SH   SOLE 35,565 0 0
PROCTER & GAMBLE CO COM 742718109 3,035 35,842 SH   SOLE 35,842 0 0
QUALCOMM INC COM 747525103 2,003 37,383 SH   SOLE 37,383 0 0
RAYTHEON CO COM NEW 755111507 286 2,103 SH   SOLE 2,103 0 0
ROCKWELL MED INC COM 774374102 630 83,234 SH   SOLE 83,234 0 0
ROPER TECHNOLOGIES INC COM 776696106 3,468 20,331 SH   SOLE 20,331 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 245 4,440 SH   SOLE 4,440 0 0
SCHLUMBERGER LTD COM 806857108 2,229 28,188 SH   SOLE 28,188 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 652 12,953 SH   SOLE 12,953 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,121 22,521 SH   SOLE 22,521 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 359 8,538 SH   SOLE 8,538 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 312 5,775 SH   SOLE 5,775 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 411 15,169 SH   SOLE 15,169 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 260 3,327 SH   SOLE 3,327 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 430 6,303 SH   SOLE 6,303 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 472 20,669 SH   SOLE 20,669 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 483 11,127 SH   SOLE 11,127 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 1,854 29,303 SH   SOLE 29,303 0 0
SNAP ON INC COM 833034101 3,373 21,374 SH   SOLE 21,374 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 280 2,217 SH   SOLE 2,217 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,022 23,973 SH   SOLE 23,973 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 668 2,455 SH   SOLE 2,455 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 18,650 691,007 SH   SOLE 687,457 0 3,550
STRYKER CORP COM 863667101 6,609 55,155 SH   SOLE 55,155 0 0
SYNOPSYS INC COM 871607107 2,832 52,360 SH   SOLE 52,360 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 294 5,848 SH   SOLE 5,848 0 0
TJX COS INC NEW COM 872540109 3,532 45,737 SH   SOLE 45,737 0 0
ULTA SALON COSMETCS & FRAG I COM 90384S303 2,531 10,390 SH   SOLE 10,390 0 0
UNITED PARCEL SERVICE INC CL B 911312106 11,076 102,825 SH   SOLE 102,825 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,945 28,720 SH   SOLE 28,720 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,425 31,340 SH   SOLE 28,948 0 2,392
V F CORP COM 918204108 3,083 50,131 SH   SOLE 50,131 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,836 9,550 SH   SOLE 9,550 0 0
VANGUARD INDEX FDS REIT ETF 922908553 3,095 34,909 SH   SOLE 34,519 0 390
VANGUARD INDEX FDS MID CAP ETF 922908629 376 3,040 SH   SOLE 3,040 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 577 4,990 SH   SOLE 4,990 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,604 52,293 SH   SOLE 52,293 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,754 305,247 SH   SOLE 302,957 0 2,290
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,443 252,887 SH   SOLE 252,887 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19,586 219,055 SH   SOLE 219,055 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 49,951 1,412,635 SH   SOLE 1,404,155 0 8,480
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 18,491 258,757 SH   SOLE 257,682 0 1,075
WABTEC CORP COM 929740108 1,846 26,281 SH   SOLE 26,281 0 0
WAL-MART STORES INC COM 931142103 278 3,805 SH   SOLE 3,805 0 0
WEATHERFORD INTL PLC ORD SHS G48833100 100 18,000 SH   SOLE 0 0 18,000
WELLS FARGO & CO NEW COM 949746101 237 5,007 SH   SOLE 5,007 0 0
WEYERHAEUSER CO COM 962166104 1,506 50,580 SH   SOLE 50,580 0 0