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
ALLSTATE COM 020002101 273 5,000 SH   SOLE   5,000 0 0
AMER EXPRESS COM 025816109 6,960 76,716 SH   SOLE   76,716 0 0
ARCHER-DANIELS-MID COM 039483102 4,396 101,300 SH   SOLE   101,300 0 0
AT&T INC COM 00206R102 4,423 125,799 SH   SOLE   125,799 0 0
BECTON DICKINSON COM 075887109 4,874 44,110 SH   SOLE   44,110 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6,175 116,183 SH   SOLE   116,183 0 0
CATERPILLAR INC COM 149123101 5,557 61,199 SH   SOLE   61,199 0 0
CHEVRON CORP COM 166764100 5,988 47,938 SH   SOLE   47,938 0 0
CHUBB CORP COM COM 171232101 5,943 61,498 SH   SOLE   61,498 0 0
COLGATE PALMOLIVE CO COM COM 194162103 522 8,000 SH   SOLE   8,000 0 0
CONOCOPHILLIPS COM 20825C104 4,697 66,486 SH   SOLE   66,486 0 0
DEERE & CO COM COM 244199105 4,612 50,498 SH   SOLE   50,498 0 0
DISCOVER FINANCIAL SERVICES COM 254709108 290 5,180 SH   SOLE   5,180 0 0
DISNEY (WALT) COM 254687106 6,040 79,053 SH   SOLE   79,053 0 0
DU PONT E I DE NEMOURS COM COM 263534109 5,905 90,883 SH   SOLE   90,883 0 0
EMERSON ELECTRIC COM 291011104 5,142 73,262 SH   SOLE   73,262 0 0
EXXON MOBIL CORP COM 30231G102 7,714 76,227 SH   SOLE   76,227 0 0
HOME DEPOT, INC. COM 437076102 6,108 74,175 SH   SOLE   74,175 0 0
INTEL CORP COM 458140100 4,415 170,093 SH   SOLE   170,093 0 0
INTERNATIONAL BUS MACH COM COM 459200101 5,565 29,667 SH   SOLE   29,667 0 0
JOHNSON & JOHNSON COM 478160104 5,439 59,389 SH   SOLE   59,389 0 0
KIMBERLY CLARK COM 494368103 4,788 45,836 SH   SOLE   45,836 0 0
M&T BANK CORP COM 55261F104 5,259 45,176 SH   SOLE   45,176 0 0
MCDONALD'S CORP COM 580135101 4,575 47,146 SH   SOLE   47,146 0 0
MCGRAW-HILL COM 580645109 341 4,367 SH   SOLE   4,367 0 0
MERCK & CO INC COM COM 58933Y105 5,041 100,718 SH   SOLE   100,718 0 0
MICROSOFT CORP COM COM 594918104 4,894 130,831 SH   SOLE   130,831 0 0
MONSANTO CO NEW COM COM 61166W101 3,895 33,417 SH   SOLE   33,417 0 0
NATIONAL FUEL GAS COM 636180101 5,991 83,912 SH   SOLE   83,912 0 0
NEXTERA ENERGY INC COM COM 65339F101 514 6,000 SH   SOLE   6,000 0 0
NORDSTROM COM 655664100 5,484 88,736 SH   SOLE   88,736 0 0
NORFOLK SOUTHERN CORP COM COM 655844108 306 3,300 SH   SOLE   3,300 0 0
PEPSICO INC COM 713448108 5,093 61,410 SH   SOLE   61,410 0 0
PFIZER INC COM 717081103 356 11,638 SH   SOLE   11,638 0 0
PNC FINL SVCS GROUP COM COM 693475105 372 4,800 SH   SOLE   4,800 0 0
PROCTER & GAMBLE COM 742718109 4,721 57,992 SH   SOLE   57,992 0 0
QUALCOMM COM 747525103 3,908 52,629 SH   SOLE   52,629 0 0
SCHWAB CHARLES CP NEW COM COM 808513105 6,059 233,042 SH   SOLE   233,042 0 0
SPDR GOLD TRUST GOLD SHS COM 78463V107 233 2,005 SH   SOLE   2,005 0 0
SYSCO CORP COM 871829107 3,495 96,821 SH   SOLE   96,821 0 0
TARGET CORP COM COM 87612E106 3,909 61,776 SH   SOLE   61,776 0 0
TEXAS INSTRUMENTS COM 882508104 5,995 136,540 SH   SOLE   136,540 0 0
UNITED TECHNOLOGIES COM 913017109 5,904 51,877 SH   SOLE   51,877 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 4,885 99,408 SH   SOLE   99,408 0 0
WASHINGTON FED INC COM COM 938824109 369 15,832 SH   SOLE   15,832 0 0
ISHARES 1-3 YR CORP OTHER 464288646 12,339 117,006 SH   SOLE   117,006 0 0
ISHARES TR BARCLYS TIPS BD OTHER 464287176 868 7,896 SH   SOLE   7,896 0 0
POWERSHARES GBL ETF TRUST EX U OTHER 73936T771 5,193 186,068 SH   SOLE   186,068 0 0
RYDEX ETF TRUST GUG S&P500 PU OTHER 78355W403 17,063 242,724 SH   SOLE   242,724 0 0
VANGUARD BD INDEX FD SHORT TRM OTHER 921937827 12,362 154,664 SH   SOLE   154,664 0 0
VANGUARD BD INDEX FD TOTAL BND OTHER 921937835 2,501 31,240 SH   SOLE   31,240 0 0
VANGUARD INDEX FDS MID CAP ETF OTHER 922908629 6,604 60,029 SH   SOLE   60,029 0 0
VANGUARD INDEX FDS REIT ETF OTHER 922908553 887 13,742 SH   SOLE   13,742 0 0
VANGUARD WORLD FDS ENERGY ETF OTHER 92204A306 448 3,546 SH   SOLE   3,546 0 0
WISDOMTREE TRUST DIV EX-FINL F OTHER 97717W406 758 11,025 SH   SOLE   11,025 0 0
WISDOMTREE TRUST EARNING 500 F OTHER 97717W588 428 6,646 SH   SOLE   6,646 0 0
WISDOMTREE TRUST EMRG MKT HGHY OTHER 97717W315 6,543 128,227 SH   SOLE   128,227 0 0
WISDOMTREE TRUST INTL LRGCAP D OTHER 97717W794 16,160 310,954 SH   SOLE   310,954 0 0
WISDOMTREE TRUST LRGECP VALUE OTHER 97717W547 896 15,552 SH   SOLE   15,552 0 0
WISDOMTREE TRUST SMLCAP EARN F OTHER 97717W562 5,331 65,304 SH   SOLE   65,304 0 0