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
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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
AT&T COM 00206r102 1,615 45,475 SH   SOLE   43,930 0 1,545
Aaron's, Inc. COM 002535300 986 27,223 SH   SOLE   27,223 0 0
AbbVie Inc COM 00287y109 251 3,743 SH   SOLE   2,713 0 1,030
Abbott Labs COM 002824100 2,678 54,567 SH   SOLE   52,950 0 1,617
Aetna Inc. New COM 00817y108 245 1,920 SH   SOLE   1,920 0 0
American Tower Corp COM 03027x100 287 3,076 SH   SOLE   2,766 0 310
Ameriprise Financial Inc. COM 03076c106 240 1,922 SH   SOLE   1,922 0 0
Apple Computer Corp. COM 037833100 6,429 51,256 SH   SOLE   49,457 0 1,799
Bank of New York Co. Inc COM 064058100 460 10,963 SH   SOLE   10,963 0 0
Baxter International COM 071813109 867 12,395 SH   SOLE   12,350 0 45
Bed Bath & Beyond COM 075896100 1,555 22,550 SH   SOLE   22,550 0 0
Berkshire Hathaway Cl B COM 084670702 4,062 29,841 SH   SOLE   28,825 0 1,016
Blackrock, Inc. COM 09247x101 700 2,022 SH   SOLE   2,012 0 10
CSX Corporation COM 126408103 593 18,152 SH   SOLE   18,102 0 50
CVS Corp Del COM 126650100 3,925 37,419 SH   SOLE   36,409 0 1,010
Cabot Oil & Gas Corp COM 127097103 2,001 63,429 SH   SOLE   61,839 0 1,590
Charles Schwab Corp COM 808513105 3,542 108,480 SH   SOLE   105,175 0 3,305
Chevron Texaco Corp. COM 166764100 3,264 33,834 SH   SOLE   32,743 0 1,091
Cisco Systems Inc. COM 17275R102 872 31,766 SH   SOLE   31,656 0 110
Clorox Co. COM 189054109 208 1,996 SH   SOLE   1,966 0 30
Coca Cola COM 191216100 1,529 38,981 SH   SOLE   38,891 0 90
Comcast Corp COM 20030n101 3,430 57,039 SH   SOLE   55,624 0 1,415
ConocoPhillips COM 20825C104 1,333 21,714 SH   SOLE   21,654 0 60
Costco Whsl Group COM 22160K105 1,132 8,382 SH   SOLE   7,972 0 410
Danaher Corp Del COM 235851102 3,183 37,189 SH   SOLE   35,607 0 1,582
Deutsche MSCI All World ex-U.S COM 233051820 10,237 403,825 SH   SOLE   400,240 0 3,585
Deutsche X-Trackers MSCI EAFE COM 233051200 2,088 72,950 SH   SOLE   72,520 0 430
Direct TV Group I COM 25490a309 448 4,830 SH   SOLE   4,210 0 620
DuPont E I De Nemour & Co COM 263534109 1,124 17,574 SH   SOLE   17,534 0 40
EOG Resources Inc. COM 26875p101 1,773 20,247 SH   SOLE   20,073 0 174
Ebay Inc COM 278642103 1,964 32,609 SH   SOLE   31,409 0 1,200
Emerson Electric COM 291011104 1,190 21,472 SH   SOLE   21,417 0 55
Energy Select Sector - SPDR COM 81369Y506 2,361 31,409 SH   SOLE   28,424 0 2,985
Express Scripts Inc. COM 30219g108 2,039 22,922 SH   SOLE   22,277 0 645
Exxon Mobil COM 30231G102 2,038 24,498 SH   SOLE   23,653 0 845
Financial Select Sector - SPDR COM 81369Y605 4,727 193,895 SH   SOLE   191,800 0 2,095
Ford Motor COM 345370860 529 35,242 SH   SOLE   35,102 0 140
General Electric COM 369604103 460 17,320 SH   SOLE   13,940 0 3,380
Genuine Parts COM 372460105 629 7,025 SH   SOLE   7,000 0 25
Google Inc. Class A COM 38259p508 3,628 6,718 SH   SOLE   6,520 0 198
Guggenheim S&P Equal Weight He COM 78355w841 305 1,915 SH   SOLE   1,915 0 0
Guggenheim S&P Equal Weight In COM 78355w833 5,721 65,900 SH   SOLE   65,200 0 700
HD Supply Holdings COM 40416m105 774 22,000 SH   SOLE   22,000 0 0
HomeDepot COM 437076102 2,056 18,497 SH   SOLE   18,497 0 0
IBM COM 459200101 1,340 8,241 SH   SOLE   8,226 0 15
Intel COM 458140100 3,546 116,581 SH   SOLE   114,130 0 2,451
JP Morgan Chase & Co. COM 46625H100 5,874 86,682 SH   SOLE   84,613 0 2,069
Johnson & Johnson COM 478160104 5,562 57,073 SH   SOLE   55,783 0 1,290
MSCI Emerging Markets Index Fu COM 464287234 225 5,687 SH   SOLE   5,687 0 0
MSCI Switzerland - iShares COM 464286749 394 12,040 SH   SOLE   12,040 0 0
Market Vectors Pharmaceutical COM 57060u217 4,276 60,437 SH   SOLE   58,877 0 1,560
McDonald's Corp. COM 580135101 629 6,620 SH   SOLE   6,605 0 15
Merck & Co. Inc. Newcom COM 58933Y105 1,343 23,595 SH   SOLE   23,525 0 70
Microsoft Corp. COM 594918104 1,488 33,699 SH   SOLE   31,579 0 2,120
Mkt Vectors Biotech ETF COM 57060u183 3,464 25,691 SH   SOLE   24,933 0 758
Monsanto Corp. COM 61166W101 405 3,795 SH   SOLE   3,475 0 320
NextEra Energy COM 65339f101 2,486 25,357 SH   SOLE   24,452 0 905
Novartis ADR COM 66987V109 1,359 13,817 SH   SOLE   13,772 0 45
Oracle Corp. COM 68389X105 2,588 64,215 SH   SOLE   61,955 0 2,260
Paychex COM 704326107 967 20,637 SH   SOLE   20,582 0 55
PepsiCo Inc. COM 713448108 3,907 41,861 SH   SOLE   40,646 0 1,215
Philip Morris Intl Inc. COM 718172109 1,005 12,533 SH   SOLE   11,628 0 905
Polaris Industries COM 731068102 871 5,880 SH   SOLE   5,880 0 0
Potash Corp. of Saskatchewan COM 73755L107 855 27,598 SH   SOLE   27,518 0 80
Procter & Gamble COM 742718109 1,423 18,186 SH   SOLE   17,296 0 890
Qualcomm COM 747525103 4,077 65,098 SH   SOLE   64,022 0 1,076
Raytheon COM 755111507 3,777 39,471 SH   SOLE   38,656 0 815
Russell Mid-Cap Growth - iShar COM 464287481 507 5,237 SH   SOLE   3,027 0 2,210
Russell Mid-Cap Index Fund - i COM 464287499 3,659 21,486 SH   SOLE   21,396 0 90
S&P Depository Receipts ETF COM 78462F103 309 1,499 SH   SOLE   1,459 0 40
Scana COM 80589M102 283 5,590 SH   SOLE   4,170 0 1,420
Schlumberger Ltd COM 806857108 2,162 25,085 SH   SOLE   24,860 0 225
Schwab Emerging Markets COM 808524706 1,974 80,320 SH   SOLE   79,790 0 530
Schwab Intl Small Cap COM 808524888 1,069 34,150 SH   SOLE   33,925 0 225
Schwab U.S. Large Cap COM 808524201 9,198 186,535 SH   SOLE   180,330 0 6,205
Schwab U.S. Mid-Cap COM 808524508 7,841 183,897 SH   SOLE   181,677 0 2,220
Southern Company COM 842587107 657 15,683 SH   SOLE   15,633 0 50
Starbucks Inc. COM 855244109 329 6,142 SH   SOLE   6,142 0 0
TJX Co Inc. COM 872540109 3,729 56,354 SH   SOLE   54,106 0 2,248
Target Corp. COM 87612e106 878 10,760 SH   SOLE   9,795 0 965
The Walt Disney Company COM 254687106 5,669 49,671 SH   SOLE   48,060 0 1,611
Thermo Fisher Scientific COM 883556102 1,844 14,208 SH   SOLE   13,673 0 535
Toronto Dominion Bank COM 891160509 1,045 24,590 SH   SOLE   24,530 0 60
Toyota Motor CP ADR New COM 892331307 309 2,311 SH   SOLE   2,311 0 0
U.S. Bancorp New COM 902973304 3,290 75,815 SH   SOLE   73,438 0 2,377
UPS COM 911312106 1,066 11,002 SH   SOLE   9,982 0 1,020
Union Pacific Corp COM 907818108 2,961 31,043 SH   SOLE   29,800 0 1,243
Vanguard Consumer Discretionar COM 92204a108 3,215 25,882 SH   SOLE   25,617 0 265
Vanguard Dividend Appreciation COM 921908844 280 3,559 SH   SOLE   3,559 0 0
Vanguard FTSE Developed Market COM 921943858 5,279 133,130 SH   SOLE   131,705 0 1,425
Vanguard FTSE International Eq COM 922042775 239 4,921 SH   SOLE   4,696 0 225
Vanguard High Dividend Yield I COM 921946406 579 8,600 SH   SOLE   8,600 0 0
Vanguard Information Technolog COM 92204a702 5,242 49,344 SH   SOLE   48,799 0 545
Vanguard Materials COM 92204a801 3,926 36,474 SH   SOLE   34,963 0 1,511
Vanguard S&P 500 COM 922908363 231 1,225 SH   SOLE   1,225 0 0
Vanguard Total Stock Market ET COM 922908769 1,029 9,615 SH   SOLE   9,525 0 90
Verizon Communications COM 92343V104 4,084 87,629 SH   SOLE   85,821 0 1,808
WalMart COM 931142103 2,408 33,950 SH   SOLE   32,958 0 992
Wells Fargo New COM 949746101 2,920 51,922 SH   SOLE   51,847 0 75
Wisdom Tree Japan Hedged Equit COM 97717w851 4,594 80,314 SH   SOLE   79,572 0 742
WisdomTree Europe Hedged Equit COM 97717x701 6,884 111,765 SH   SOLE   110,750 0 1,015
Realty Income Corp. REL 756109104 4,532 102,092 SH   SOLE   100,211 0 1,881
Vanguard Global ex-US Real Est REL 922042676 592 10,675 SH   SOLE   10,625 0 50
Vanguard REIT ETF REL 922908553 464 6,207 SH   SOLE   6,157 0 50
Gold Trust - SPDR OAS 78463v107 6,332 56,354 SH   SOLE   55,869 0 485
Powershares DB US Dollar Bulli OAS 73936d107 4,231 169,030 SH   SOLE   167,760 0 1,270
Spectra Energy OAS 847560109 3,508 107,618 SH   SOLE   105,373 0 2,245