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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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
ABBOTT LABS COM 002824100 3,025 73,949 SH   SOLE   73,949 0 0
ISHARES MSCI ACWI ETF 464288257 7,693 127,656 SH   SOLE   127,656 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,936 37,030 SH   SOLE   37,030 0 0
AFLAC INC COM 001055102 2,944 47,300 SH   SOLE   47,300 0 0
ISHARES CORE TOTUSBD ETF 464287226 68,414 625,356 SH   SOLE   625,356 0 0
APTARGROUP INC COM 038336103 2,948 43,996 SH   SOLE   43,996 0 0
POWERSHARES ETF TR II BUILD AMER ETF 73937B407 958 32,660 SH   SOLE   32,660 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 9,176 108,349 SH   SOLE   108,349 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 9,191 369,578 SH   SOLE   369,578 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 19,262 214,283 SH   SOLE   214,283 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 21,622 420,574 SH   SOLE   420,574 0 0
BROWN & BROWN INC COM 115236101 2,915 94,904 SH   SOLE   94,904 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 43,680 543,688 SH   SOLE   543,688 0 0
COMMERCE BANCSHARES INC COM 200525103 2,985 64,191 SH   SOLE   64,191 0 0
ISHARES INTERM CR BD ETF 464288638 12,786 116,038 SH   SOLE   116,038 0 0
CONOCOPHILLIPS COM 20825C104 3,269 38,129 SH   SOLE   38,129 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,877 24,980 SH   SOLE   24,980 0 0
ISHARES 1-3 YR CR BD ETF 464288646 30,599 289,547 SH   SOLE   289,547 0 0
CHEVRON CORP NEW COM 166764100 3,115 23,861 SH   SOLE   23,861 0 0
DOMINION RES INC VA NEW COM 25746U109 2,986 41,751 SH   SOLE   41,751 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 1,081 21,899 SH   SOLE   21,899 0 0
ECOLAB INC COM 278865100 2,955 26,537 SH   SOLE   26,537 0 0
POWERSHARES ETF TR II EM MRK LOW VOL 73937B662 1,104 39,236 SH   SOLE   39,236 0 0
ISHARES MSCI EMG MKT ETF 464287234 9,994 231,175 SH   SOLE   231,175 0 0
ISHARES MSCI EAFE ETF 464287465 213,958 3,129,411 SH   SOLE   3,129,411 0 0
EMERSON ELEC CO COM 291011104 2,879 43,386 SH   SOLE   43,386 0 0
ENTERGY CORP NEW COM 29364G103 3,242 39,489 SH   SOLE   39,489 0 0
EATON VANCE CORP COM NON VTG 278265103 2,903 76,832 SH   SOLE   76,832 0 0
ISHARES MSCI JAPAN ETF 464286848 1,096 90,995 SH   SOLE   90,995 0 0
ISHARES MSCI UK ETF 464286699 1,099 52,614 SH   SOLE   52,614 0 0
ISHARES MSCI MEX CAP ETF 464286822 1,102 16,244 SH   SOLE   16,244 0 0
ISHARES MSCI BRZ CAP ETF 464286400 1,059 22,159 SH   SOLE   22,159 0 0
ISHARES TR FLTG RATE BD ETF 46429B655 36,810 724,598 SH   SOLE   724,598 0 0
ISHARES CHINA LG-CAP ETF 464287184 1,107 29,890 SH   SOLE   29,890 0 0
GENERAL MLS INC COM 370334104 2,848 54,213 SH   SOLE   54,213 0 0
GENUINE PARTS CO COM 372460105 2,988 34,027 SH   SOLE   34,027 0 0
GRAINGER W W INC COM 384802104 2,831 11,132 SH   SOLE   11,132 0 0
ISHARES TR HIGH DIVIDND ETF 46429B663 66,456 881,503 SH   SOLE   881,503 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 3,272 55,992 SH   SOLE   55,992 0 0
HARRIS CORP DEL COM 413875105 2,912 38,437 SH   SOLE   38,437 0 0
ISHARES IBOXX HI YD ETF 464288513 11,223 117,889 SH   SOLE   117,889 0 0
ISHARES COHEN&STEER REIT 464287564 1,936 22,170 SH   SOLE   22,170 0 0
ISHARES 7-10 Y TR BD ETF 464287440 16,139 155,811 SH   SOLE   155,811 0 0
ISHARES TR CORE MSCI EAFE 46432F842 350,292 5,630,794 SH   SOLE   5,630,794 0 0
ISHARES 3-7 YR TR BD ETF 464288661 23,585 193,640 SH   SOLE   193,640 0 0
ISHARES CORE S&P MCP ETF 464287507 3,846 26,880 SH   SOLE   26,880 0 0
ISHARES CORE S&P SCP ETF 464287804 249,654 2,227,266 SH   SOLE   2,227,266 0 0
MARKET VECTORS ETF TR MKTVEC INTMUETF 57060U845 307 13,187 SH   SOLE   13,187 0 0
ILLINOIS TOOL WKS INC COM 452308109 2,970 33,915 SH   SOLE   33,915 0 0
ISHARES CORE S&P500 ETF 464287200 986,406 5,007,139 SH   SOLE   5,007,139 0 0
ISHARES RUS 1000 VAL ETF 464287598 10,676 105,418 SH   SOLE   105,418 0 0
ISHARES RUSSELL 2000 ETF 464287655 7,866 66,209 SH   SOLE   66,209 0 0
ISHARES U.S. REAL ES ETF 464287739 1,954 27,220 SH   SOLE   27,220 0 0
JOHNSON & JOHNSON COM 478160104 3,036 29,021 SH   SOLE   29,021 0 0
KELLOGG CO COM 487836108 2,898 44,107 SH   SOLE   44,107 0 0
LOCKHEED MARTIN CORP COM 539830109 2,859 17,787 SH   SOLE   17,787 0 0
ISHARES IBOXX INV CP ETF 464287242 34,691 290,882 SH   SOLE   290,882 0 0
ISHARES MBS ETF 464288588 25,580 236,370 SH   SOLE   236,370 0 0
MCDONALDS CORP COM 580135101 2,938 29,164 SH   SOLE   29,164 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 232,331 891,660 SH   SOLE   891,660 0 0
MCCORMICK & CO INC COM NON VTG 579780206 2,883 40,267 SH   SOLE   40,267 0 0
MARKET VECTORS ETF TR MKTVEC LMUNETF 57060U886 660 34,180 SH   SOLE   34,180 0 0
MERCK & CO INC NEW COM 58933Y105 2,981 51,528 SH   SOLE   51,528 0 0
MICROSOFT CORP COM 594918104 2,972 71,278 SH   SOLE   71,278 0 0
NATIONAL FUEL GAS CO N J COM 636180101 3,044 38,871 SH   SOLE   38,871 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,008 29,192 SH   SOLE   29,192 0 0
NORTHEAST UTILS COM 664397106 3,034 64,187 SH   SOLE   64,187 0 0
ISHARES S&P 100 ETF 464287101 196,500 2,270,885 SH   SOLE   2,270,885 0 0
ISHARES U.S. PFD STK ETF 464288687 737 18,460 SH   SOLE   18,460 0 0
PROCTER & GAMBLE CO COM 742718109 2,861 36,404 SH   SOLE   36,404 0 0
POLARIS INDS INC COM 731068102 2,856 21,929 SH   SOLE   21,929 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 11,808 302,855 SH   SOLE   302,855 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 837,234 8,915,277 SH   SOLE   8,915,277 0 0
REYNOLDS AMERICAN INC COM 761713106 3,072 50,899 SH   SOLE   50,899 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 12,625 164,576 SH   SOLE   164,576 0 0
GLOBAL X FDS GLB X SUPERDIV 37950E549 1,777 68,205 SH   SOLE   68,205 0 0
SIGMA ALDRICH CORP COM 826552101 3,054 30,091 SH   SOLE   30,091 0 0
SOUTHERN CO COM 842587107 3,014 66,418 SH   SOLE   66,418 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 950,260 4,855,200 SH   SOLE   4,855,200 0 0
SYSCO CORP COM 871829107 2,947 78,698 SH   SOLE   78,698 0 0
AT&T INC COM 00206R102 2,920 82,580 SH   SOLE   82,580 0 0
ISHARES TIPS BD ETF 464287176 2,012 17,440 SH   SOLE   17,440 0 0
SPDR SER TR BARC 1-10YRTIP 78468R861 1,879 93,658 SH   SOLE   93,658 0 0
ISHARES 20+ YR TR BD ETF 464287432 918 8,086 SH   SOLE   8,086 0 0
TIME WARNER INC COM NEW 887317303 2,965 42,212 SH   SOLE   42,212 0 0
US BANCORP DEL COM NEW 902973304 2,762 63,760 SH   SOLE   63,760 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,876 24,915 SH   SOLE   24,915 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,605 99,416 SH   SOLE   99,416 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,511 17,440 SH   SOLE   17,440 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,941 35,300 SH   SOLE   35,300 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 4,010 41,470 SH   SOLE   41,470 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 7,877 79,651 SH   SOLE   79,651 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,995 46,250 SH   SOLE   46,250 0 0
WASTE MGMT INC DEL COM 94106L109 3,012 67,341 SH   SOLE   67,341 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 66,893 1,744,271 SH   SOLE   1,744,271 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 59,669 980,910 SH   SOLE   980,910 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,171 4,026 SH Put SOLE   4,026 0 0