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
AbbVie Inc. COM 00287Y109 1,411 26,714 SH   SOLE   16,639 0 10,075
Abbott Labs COM 002824100 1,094 28,546 SH   SOLE   17,839 0 10,707
Altria Group COM 02209S103 2,111 54,978 SH   SOLE   36,932 0 18,046
American Express COM 025816109 2,626 28,946 SH   SOLE   19,265 0 9,681
Blackrock, Inc. COM 09247X101 2,391 7,556 SH   SOLE   4,985 0 2,571
Chevron Corp COM 166764100 589 4,712 SH   SOLE   3,847 0 865
Chubb Corporation COM 171232101 2,223 23,001 SH   SOLE   14,346 0 8,655
Colgate-Palmolive COM 194162103 1,182 18,128 SH   SOLE   13,398 0 4,730
Comcast Corp Cl A COM 20030N101 2,792 53,734 SH   SOLE   35,435 0 18,299
ConocoPhillips COM 20825C104 1,945 27,533 SH   SOLE   18,282 0 9,251
Danaher Corp COM 235851102 2,554 33,084 SH   SOLE   21,979 0 11,105
EMC Corp COM 268648102 2,000 79,520 SH   SOLE   52,500 0 27,020
Fiserv Inc. COM 337738108 2,919 49,438 SH   SOLE   34,683 0 14,755
General Electric COM 369604103 2,567 91,578 SH   SOLE   62,230 0 29,348
General Mills COM 370334104 2,129 42,666 SH   SOLE   27,628 0 15,038
Gilead Sciences Inc COM 375558103 3,265 43,469 SH   SOLE   29,355 0 14,114
Google Inc COM 38259P508 2,678 2,390 SH   SOLE   1,593 0 797
Halliburton COM 406216101 2,168 42,725 SH   SOLE   28,225 0 14,500
Hershey Co COM 427866108 772 7,940 SH   SOLE   5,535 0 2,405
Home Depot COM 437076102 2,425 29,446 SH   SOLE   19,435 0 10,011
Honeywell Int'l COM 438516106 2,694 29,486 SH   SOLE   19,975 0 9,511
J P Morgan Chase & Co COM 46625H100 2,182 37,317 SH   SOLE   24,652 0 12,665
Johnson & Johnson COM 478160104 1,559 17,020 SH   SOLE   10,655 0 6,365
MGIC Investment COM 552848103 104 12,269 SH   SOLE   12,269 0 0
Ross Stores, Inc. COM 778296103 2,048 27,336 SH   SOLE   17,745 0 9,591
SPDR S&P Regional Banking ETF COM 78464A698 2,776 68,359 SH   SOLE   46,455 0 21,904
SPDR Sector - Consumer Discret COM 81369Y407 3,133 46,875 SH   SOLE   31,813 0 15,062
SPDR Sector - Consumer Staples COM 81369y308 245 5,699 SH   SOLE   4,574 0 1,125
SPDR Sector - Financial ETF COM 81369Y605 2,679 122,556 SH   SOLE   84,036 0 38,520
SPDR Sector - Healthcare ETF COM 81369y209 3,031 54,680 SH   SOLE   38,490 0 16,190
SPDR Sector - Technology ETF COM 81369y803 4,640 129,821 SH   SOLE   85,306 0 44,515
SPDR Sector - Utilities ETF COM 81369y886 284 7,490 SH   SOLE   5,755 0 1,735
State Street Corp COM 857477103 2,277 31,030 SH   SOLE   20,265 0 10,765
Union Pacific Corp COM 907818108 2,955 17,591 SH   SOLE   11,741 0 5,850
United Technologies COM 913017109 208 1,825 SH   SOLE   1,825 0 0
Vanguard Materials ETF COM 92204A801 2,266 21,946 SH   SOLE   14,685 0 7,261
Visa, Inc. COM 92826C839 3,229 14,499 SH   SOLE   9,640 0 4,859
Wells Fargo & Co COM 949746101 2,241 49,356 SH   SOLE   32,350 0 17,006
iShares S&P Global Energy ETF COM 464287341 1,839 42,549 SH   SOLE   27,479 0 15,070
Powershares FTSE RAFI US 1000 FD ETF 73935x583 266 3,210 SH   SOLE   3,210 0 0
SPDR S&P 500 ETF FD ETF 78462f103 5,256 28,457 SH   SOLE   19,630 0 8,827
Vanguard Dividend Appreciation FD ETF 921908844 237 3,145 SH   SOLE   2,835 0 310
Vanguard FTSE All-World ex-US FD ETF 922042775 217 4,275 SH   SOLE   3,825 0 450
Vanguard U.S. Total Stock Mark FD ETF 922908769 1,293 13,485 SH   SOLE   12,670 0 815
iShares MSCI EMU Index ETF FD ETF 464286608 2,362 57,089 SH   SOLE   36,960 0 20,129
PIMCO Total Return ETF FD ETF 72201R775 374 3,575 SH   SOLE   635 0 2,940
SPDR Barclay's High Yield ETF FD ETF 78464A417 1,649 40,665 SH   SOLE   22,560 0 18,105
SPDR Barclays Convertible Secu FD ETF 78464A359 3,084 65,996 SH   SOLE   48,652 0 17,344
Vanguard Short Term Corp Bond FD ETF 92206c409 1,807 22,650 SH   SOLE   15,300 0 7,350
Vanguard Total Bond Market ETF FD ETF 921937835 3,499 43,708 SH   SOLE   34,791 0 8,917
iShares Barclays 1-3 Year Cred FD ETF 464288646 9,674 91,731 SH   SOLE   68,930 0 22,801
iShares Barclays Intermed Cred FD ETF 464288638 3,112 28,847 SH   SOLE   22,185 0 6,662
iShares iBoxx High Yield Corp FD ETF 464288513 5,703 61,399 SH   SOLE   45,655 0 15,744