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
ABBOTT LABS COM 002824100 2,677 63,989 SH   SOLE   63,989 0 0
ISHARES CNTRY MIN VL ETF 464286525 827 11,256 SH   SOLE   11,256 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,702 30,114 SH   SOLE   30,114 0 0
AFLAC INC COM 001055102 2,675 42,374 SH   SOLE   42,374 0 0
ISHARES TR CORE US AGGBD ET 464287226 204,450 1,844,803 SH   SOLE   1,844,803 0 0
AIR PRODS & CHEMS INC COM 009158106 1,654 11,483 SH   SOLE   11,483 0 0
APTARGROUP INC COM 038336103 998 12,731 SH   SOLE   12,731 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 15,183 175,991 SH   SOLE   175,991 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 22,757 244,593 SH   SOLE   244,593 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 160,182 1,934,449 SH   SOLE   1,934,449 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 20,039 367,420 SH   SOLE   367,420 0 0
BROWN & BROWN INC COM 115236101 1,040 29,056 SH   SOLE   29,056 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 65,878 817,043 SH   SOLE   817,043 0 0
ISHARES TR INTERM CR BD ETF 464288638 3,586 32,694 SH   SOLE   32,694 0 0
CME GROUP INC COM 12572Q105 1,654 17,216 SH   SOLE   17,216 0 0
CENTERPOINT ENERGY INC COM 15189T107 1,670 79,812 SH   SOLE   79,812 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,060 6,724 SH   SOLE   6,724 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 9,525 90,355 SH   SOLE   90,355 0 0
CHEVRON CORP NEW COM 166764100 2,700 28,298 SH   SOLE   28,298 0 0
DOMINION RES INC VA NEW COM 25746U109 1,056 14,052 SH   SOLE   14,052 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 212,591 1,203,527 SH   SOLE   1,203,527 0 0
ECOLAB INC COM 278865100 1,000 8,969 SH   SOLE   8,969 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,477 72,334 SH   SOLE   72,334 0 0
EMERSON ELEC CO COM 291011104 2,676 49,204 SH   SOLE   49,204 0 0
ISHARES NW ZEALND CP ETF 464289123 427 10,391 SH   SOLE   10,391 0 0
ISHARES MSCI PAC JP ETF 464286665 1,607 40,968 SH   SOLE   40,968 0 0
POWERSHARES ETF TR II 1000 EQ WHT PT 73937B571 89,617 3,680,384 SH   SOLE   3,680,384 0 0
EVERSOURCE ENERGY COM 30040W108 2,681 45,955 SH   SOLE   45,955 0 0
ENTERGY CORP NEW COM 29364G103 1,669 21,048 SH   SOLE   21,048 0 0
EATON VANCE CORP COM NON VTG 278265103 2,696 80,424 SH   SOLE   80,424 0 0
ISHARES MSCI CDA ETF 464286509 837 35,289 SH   SOLE   35,289 0 0
ISHARES MSCI SINGAP ETF 464286673 245 22,573 SH   SOLE   22,573 0 0
ISHARES MSCI TAIWAN ETF 464286731 411 29,636 SH   SOLE   29,636 0 0
MARKET VECTORS ETF TR GOLD MINER ETF 57060U100 5,879 294,414 SH   SOLE   294,414 0 0
GENERAL ELECTRIC CO COM 369604103 2,704 85,060 SH   SOLE   85,060 0 0
GENERAL MLS INC COM 370334104 2,670 42,149 SH   SOLE   42,149 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 14,909 126,733 SH   SOLE   126,733 0 0
GENUINE PARTS CO COM 372460105 2,708 27,258 SH   SOLE   27,258 0 0
GRAINGER W W INC COM 384802104 1,007 4,316 SH   SOLE   4,316 0 0
HCP INC COM 40414L109 1,636 50,221 SH   SOLE   50,221 0 0
HARRIS CORP DEL COM 413875105 2,657 34,119 SH   SOLE   34,119 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,762 18,234 SH   SOLE   18,234 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 30,197 273,669 SH   SOLE   273,669 0 0
ISHARES TR CORE MSCI EAFE 46432F842 239,274 4,502,704 SH   SOLE   4,502,704 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661 33,091 262,734 SH   SOLE   262,734 0 0
ISHARES INC CORE MSCI EMKT 46434G103 33,479 804,405 SH   SOLE   804,405 0 0
ISHARES TR CORE S&P SCP ETF 464287804 142,424 1,265,203 SH   SOLE   1,265,203 0 0
ISHARES TR LATN AMER 40 ETF 464287390 832 33,059 SH   SOLE   33,059 0 0
INTEL CORP COM 458140100 1,647 50,915 SH   SOLE   50,915 0 0
ILLINOIS TOOL WKS INC COM 452308109 2,699 26,343 SH   SOLE   26,343 0 0
ISHARES TR CORE S&P500 ETF 464287200 626,924 3,033,750 SH   SOLE   3,033,750 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 30,040 271,533 SH   SOLE   271,533 0 0
JOHNSON & JOHNSON COM 478160104 2,685 24,819 SH   SOLE   24,819 0 0
JPMORGAN CHASE & CO COM 46625H100 1,646 27,790 SH   SOLE   27,790 0 0
KELLOGG CO COM 487836108 2,518 32,892 SH   SOLE   32,892 0 0
KIMBERLY CLARK CORP COM 494368103 1,654 12,294 SH   SOLE   12,294 0 0
COCA COLA CO COM 191216100 1,653 35,629 SH   SOLE   35,629 0 0
LILLY ELI & CO COM 532457108 2,612 36,278 SH   SOLE   36,278 0 0
LOCKHEED MARTIN CORP COM 539830109 2,683 12,112 SH   SOLE   12,112 0 0
ISHARES TR IBOXX INV CP ETF 464287242 40,659 342,187 SH   SOLE   342,187 0 0
MATTEL INC COM 577081102 1,651 49,106 SH   SOLE   49,106 0 0
ISHARES TR MBS ETF 464288588 7,922 72,361 SH   SOLE   72,361 0 0
MCDONALDS CORP COM 580135101 2,722 21,656 SH   SOLE   21,656 0 0
MDU RES GROUP INC COM 552690109 1,659 85,237 SH   SOLE   85,237 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 15,560 154,396 SH   SOLE   154,396 0 0
MCCORMICK & CO INC COM NON VTG 579780206 942 9,472 SH   SOLE   9,472 0 0
3M CO COM 88579Y101 1,651 9,907 SH   SOLE   9,907 0 0
ALTRIA GROUP INC COM 02209S103 1,650 26,325 SH   SOLE   26,325 0 0
MERCK & CO INC NEW COM 58933Y105 2,663 50,336 SH   SOLE   50,336 0 0
MICROSOFT CORP COM 594918104 2,665 48,260 SH   SOLE   48,260 0 0
NEXTERA ENERGY INC COM 65339F101 1,654 13,980 SH   SOLE   13,980 0 0
NATIONAL FUEL GAS CO N J COM 636180101 1,008 20,138 SH   SOLE   20,138 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 1,649 24,100 SH   SOLE   24,100 0 0
PAYCHEX INC COM 704326107 1,655 30,650 SH   SOLE   30,650 0 0
PEPSICO INC COM 713448108 1,649 16,090 SH   SOLE   16,090 0 0
PROCTER & GAMBLE CO COM 742718109 2,503 30,404 SH   SOLE   30,404 0 0
POWERSHARES ETF TRUST FINL PFD PTFL 73935X229 15,024 799,166 SH   SOLE   799,166 0 0
POLARIS INDS INC COM 731068102 871 8,845 SH   SOLE   8,845 0 0
SPDR INDEX SHS FDS EM QUAL MIX 78463X426 8,666 175,927 SH   SOLE   175,927 0 0
ISHARES TR BAA BA RTD ETF 46432F107 4,296 84,420 SH   SOLE   84,420 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 414,689 3,797,520 SH   SOLE   3,797,520 0 0
REYNOLDS AMERICAN INC COM 761713106 879 17,477 SH   SOLE   17,477 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 41,450 527,821 SH   SOLE   527,821 0 0
SCANA CORP NEW COM 80589M102 1,662 23,694 SH   SOLE   23,694 0 0
SPDR SERIES TRUST BARC SHT TR CP 78464A474 267,534 8,734,388 SH   SOLE   8,734,388 0 0
SPECTRA ENERGY CORP COM 847560109 1,648 53,870 SH   SOLE   53,870 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 15,241 179,245 SH   SOLE   179,245 0 0
SMUCKER J M CO COM NEW 832696405 1,654 12,736 SH   SOLE   12,736 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 15,127 585,879 SH   SOLE   585,879 0 0
SCHLUMBERGER LTD COM 806857108 1,025 13,903 SH   SOLE   13,903 0 0
SOUTHERN CO COM 842587107 2,716 52,505 SH   SOLE   52,505 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 53,862 262,078 SH   SOLE   262,078 0 0
SYSCO CORP COM 871829107 2,573 55,053 SH   SOLE   55,053 0 0
AT&T INC COM 00206R102 2,598 66,319 SH   SOLE   66,319 0 0
TARGET CORP COM 87612E106 1,650 20,051 SH   SOLE   20,051 0 0
ISHARES MSCI THI CAP ETF 464286624 396 5,870 SH   SOLE   5,870 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 88,808 1,798,467 SH   SOLE   1,798,467 0 0
TIME WARNER INC COM NEW 887317303 1,030 14,199 SH   SOLE   14,199 0 0
US BANCORP DEL COM NEW 902973304 1,015 25,005 SH   SOLE   25,005 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,691 26,887 SH   SOLE   26,887 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 5,835 88,005 SH   SOLE   88,005 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 207,611 1,980,647 SH   SOLE   1,980,647 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 44,954 422,305 SH   SOLE   422,305 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,655 30,608 SH   SOLE   30,608 0 0
WELLS FARGO & CO NEW COM 949746101 2,631 54,401 SH   SOLE   54,401 0 0
WASTE MGMT INC DEL COM 94106L109 2,687 45,542 SH   SOLE   45,542 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 29,908 563,672 SH   SOLE   563,672 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 30,212 608,865 SH   SOLE   608,865 0 0
EXXON MOBIL CORP COM 30231G102 1,644 19,663 SH   SOLE   19,663 0 0