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
3M Company COMMON STOCK 88579Y101 1,152 5,487 SH   SOLE NONE 5,487 0 0
Abbott Laboratories COMMON STOCK 002824100 2,103 39,404 SH   SOLE NONE 39,404 0 0
AbbVie Inc. COMMON STOCK 00287Y109 2,229 25,082 SH   SOLE NONE 25,082 0 0
ABM Industries COMMON STOCK 000957100 619 14,850 SH   SOLE NONE 14,850 0 0
Accenture PLC COMMON STOCK G1151C101 217 1,610 SH   SOLE NONE 1,610 0 0
Alaska Air Group COMMON STOCK 011659109 446 5,850 SH   SOLE NONE 5,850 0 0
Alaska Communications Systems COMMON STOCK 01167P101 30 13,000 SH   SOLE NONE 13,000 0 0
Alexander & Baldwin COMMON STOCK 014491104 750 16,187 SH   SOLE NONE 16,187 0 0
AllianceBernstein Holding L.P. COMMON STOCK 01881G106 158 6,500 SH   SOLE NONE 6,500 0 0
Allstate COMMON STOCK 020002101 120 1,310 SH   SOLE NONE 1,310 0 0
Alphabet Inc. CL A COMMON STOCK 02079K305 2,013 2,067 SH   SOLE NONE 2,067 0 0
Alphabet Inc. CL C COMMON STOCK 02079K107 3,092 3,224 SH   SOLE NONE 3,224 0 0
Altria Group COMMON STOCK 718154107 345 5,446 SH   SOLE NONE 5,446 0 0
Amazon.com Inc. COMMON STOCK 023135106 1,194 1,242 SH   SOLE NONE 1,242 0 0
American Express COMMON STOCK 025816109 1,324 14,639 SH   SOLE NONE 14,639 0 0
AmerisourceBergen Corp. COMMON STOCK 03073E105 4,193 50,670 SH   SOLE NONE 50,670 0 0
Amgen Inc COMMON STOCK 031162100 108 577 SH   SOLE NONE 577 0 0
Anadarko Pete Corp COMMON STOCK 032511107 133 2,725 SH   SOLE NONE 2,725 0 0
Anheuser-Busch InBev COMMON STOCK 035229103 280 2,350 SH   SOLE NONE 2,350 0 0
Apollo Commercial Real Estate REIT 03762U105 536 29,616 SH   SOLE NONE 29,616 0 0
Apple Computer COMMON STOCK 037833100 2,609 16,927 SH   SOLE NONE 16,927 0 0
AptarGroup Inc COMMON STOCK 038336103 129 1,500 SH   SOLE NONE 1,500 0 0
Archer Daniels Midland COMMON STOCK 039483102 334 7,850 SH   SOLE NONE 7,850 0 0
Armada Hoffler Properties, Inc COMMON STOCK 04208T108 313 22,700 SH   SOLE NONE 22,700 0 0
AT&T COMMON STOCK 00206R102 462 11,801 SH   SOLE NONE 11,801 0 0
Automatic Data Processing COMMON STOCK 053015103 549 5,020 SH   SOLE NONE 5,020 0 0
Baldwin & Lyons Inc CL B COMMON STOCK 057755209 141 6,250 SH   SOLE NONE 6,250 0 0
Ball Corp COMMON STOCK 058498106 2,313 55,996 SH   SOLE NONE 55,996 0 0
Bank of America COMMON STOCK 060505104 370 14,600 SH   SOLE NONE 14,600 0 0
Bank of New York Mellon COMMON STOCK 064058100 2,823 53,248 SH   SOLE NONE 53,248 0 0
Bank of Nova Scotia COMMON STOCK 064149107 851 13,253 SH   SOLE NONE 13,253 0 0
BCE Inc. COMMON STOCK 05534B760 501 10,700 SH   SOLE NONE 10,700 0 0
Becton Dickinson Co COMMON STOCK 075887109 157 800 SH   SOLE NONE 800 0 0
Berkshire Hathaway Cl A COMMON STOCK 084670108 5,770 21 SH   SOLE NONE 21 0 0
Berkshire Hathaway Cl B COMMON STOCK 084670702 12,353 67,385 SH   SOLE NONE 67,385 0 0
Bluerock Residential PFD A PREFERRED STOCK 09627J508 139 5,300 SH   SOLE NONE 5,300 0 0
Boeing COMMON STOCK 097023105 583 2,295 SH   SOLE NONE 2,295 0 0
BP p.l.c. COMMON STOCK 055622104 284 7,400 SH   SOLE NONE 7,400 0 0
Bristol Myers Squibb COMMON STOCK 110122108 2,126 33,352 SH   SOLE NONE 33,352 0 0
Brixmor Property Group Inc. COMMON STOCK 11120U105 942 50,095 SH   SOLE NONE 50,095 0 0
Broadridge Financial Solutions COMMON STOCK 11133T103 230 2,850 SH   SOLE NONE 2,850 0 0
Campbell Soup Company COMMON STOCK 134429109 308 6,582 SH   SOLE NONE 6,582 0 0
Canadian National Railway Co. COMMON STOCK 136375102 356 4,300 SH   SOLE NONE 4,300 0 0
Carriage Services COMMON STOCK 143905107 157 6,150 SH   SOLE NONE 6,150 0 0
Caterpillar COMMON STOCK 149123101 120 965 SH   SOLE NONE 965 0 0
Central Fund of Canada Ltd. ETF/ETN 153501101 241 19,000 SH   SOLE NONE 19,000 0 0
ChevronTexaco COMMON STOCK 166764100 1,516 12,904 SH   SOLE NONE 12,904 0 0
Cisco Systems COMMON STOCK 17275R102 507 15,073 SH   SOLE NONE 15,073 0 0
City Office Reit Red PFD Ser A PREFERRED STOCK 178587200 273 10,500 SH   SOLE NONE 10,500 0 0
Clarus Corp. COMMON STOCK 18270P109 193 25,796 SH   SOLE NONE 25,796 0 0
Clorox Company COMMON STOCK 189054109 732 5,551 SH   SOLE NONE 5,551 0 0
Coca-Cola Company COMMON STOCK 191216100 1,004 22,301 SH   SOLE NONE 22,301 0 0
Coca-Cola European Partners PL COMMON STOCK G25839104 414 9,945 SH   SOLE NONE 9,945 0 0
Comcast Corporation COMMON STOCK 20030N101 2,152 55,926 SH   SOLE NONE 55,926 0 0
Consolidated Edison COMMON STOCK 209115104 152 1,884 SH   SOLE NONE 1,884 0 0
Corning Inc COMMON STOCK 219350105 186 6,200 SH   SOLE NONE 6,200 0 0
Costco Wholesale COMMON STOCK 22160K105 1,474 8,973 SH   SOLE NONE 8,973 0 0
Deere & Company COMMON STOCK 244199105 648 5,161 SH   SOLE NONE 5,161 0 0
Diageo PLC COMMON STOCK 25243Q205 295 2,235 SH   SOLE NONE 2,235 0 0
Dominion Resources COMMON STOCK 25746U109 625 8,127 SH   SOLE NONE 8,127 0 0
DowDuPont Inc. COMMON STOCK 26078J100 2,388 34,490 SH   SOLE NONE 34,490 0 0
Duke Energy COMMON STOCK 264399106 210 2,504 SH   SOLE NONE 2,504 0 0
Edwards Lifesciences COMMON STOCK 28176E108 191 1,750 SH   SOLE NONE 1,750 0 0
EOG Resources COMMON STOCK 26875P101 101 1,044 SH   SOLE NONE 1,044 0 0
Equity Residential REIT 29476L107 165 2,500 SH   SOLE NONE 2,500 0 0
Eversource Energy COMMON STOCK 30040W108 965 15,965 SH   SOLE NONE 15,965 0 0
Exxon Mobil COMMON STOCK 30231G102 1,600 19,520 SH   SOLE NONE 19,520 0 0
Facebook Inc COMMON STOCK 30303M102 624 3,651 SH   SOLE NONE 3,651 0 0
Fedex Corp COMMON STOCK 31428X106 1,072 4,750 SH   SOLE NONE 4,750 0 0
Fiat Chrysler Automobiles N.V. COMMON STOCK N31738102 2,061 115,050 SH   SOLE NONE 115,050 0 0
Flexshares Quality Dividend In ETF/ETN 33939L860 514 12,120 SH   SOLE NONE 12,120 0 0
Fomento Economico Mexicano COMMON STOCK 344419106 4,535 47,472 SH   SOLE NONE 47,472 0 0
Fresh Del Monte Produce Inc. COMMON STOCK G36738105 2,832 62,301 SH   SOLE NONE 62,301 0 0
Gabelli Global Sml & Md Cap PF ETF/ETN 36249W203 128 5,000 SH   SOLE NONE 5,000 0 0
General American Investors Co. COMMON STOCK 368802104 217 6,036 SH   SOLE NONE 6,036 0 0
General Electric COMMON STOCK 369604103 436 18,050 SH   SOLE NONE 18,050 0 0
General Mills COMMON STOCK 370334104 2,860 55,259 SH   SOLE NONE 55,259 0 0
General Motors COMMON STOCK 37045V100 483 11,950 SH   SOLE NONE 11,950 0 0
GlaxoSmithKline Plc Adr COMMON STOCK 37733W105 128 3,150 SH   SOLE NONE 3,150 0 0
Goldman Sachs TreasuryAccess 0 ETF/ETN 381430529 1,573 15,704 SH   SOLE NONE 15,704 0 0
Hasbro COMMON STOCK 418056107 283 2,900 SH   SOLE NONE 2,900 0 0
Hexcel Corp. COMMON STOCK 428291108 4,754 82,785 SH   SOLE NONE 82,785 0 0
Highwoods Properties Inc. REIT 431284108 781 15,000 SH   SOLE NONE 15,000 0 0
Home Depot COMMON STOCK 437076102 1,113 6,806 SH   SOLE NONE 6,806 0 0
Honeywell Intl. COMMON STOCK 438516106 2,929 20,666 SH   SOLE NONE 20,666 0 0
Host Hotels & Resorts, Inc. REIT 44107P104 1,411 76,315 SH   SOLE NONE 76,315 0 0
Houston Wire & Cable Company COMMON STOCK 44244K109 60 11,500 SH   SOLE NONE 11,500 0 0
Humana Inc. COMMON STOCK 444859102 244 1,000 SH   SOLE NONE 1,000 0 0
Imperial Oil Ltd. COMMON STOCK 453038408 413 12,923 SH   SOLE NONE 12,923 0 0
Ingles Markets, Inc. COMMON STOCK 457030104 1,016 39,541 SH   SOLE NONE 39,541 0 0
Intel COMMON STOCK 458140100 982 25,781 SH   SOLE NONE 25,781 0 0
Intl Paper Co. COMMON STOCK 460146103 3,647 64,177 SH   SOLE NONE 64,177 0 0
Investors Title COMMON STOCK 461804106 945 5,277 SH   SOLE NONE 5,277 0 0
iShares 1-3 Yr Treas Index Fd ETF/ETN 464287457 346 4,100 SH   SOLE NONE 4,100 0 0
iShares DJ US Oil Equip & Svcs ETF/ETN 464288844 598 16,920 SH   SOLE NONE 16,920 0 0
iShares Edge MSCI Multifactor ETF/ETN 46434V274 442 15,781 SH   SOLE NONE 15,781 0 0
iShares Edge MSCI USA Quality ETF/ETN 46432F339 193 2,500 SH   SOLE NONE 2,500 0 0
iShares Global Telecom Fd ETF/ETN 464287275 1,489 24,667 SH   SOLE NONE 24,667 0 0
iShares Hong Kong Index Fd ETF/ETN 464286871 160 6,475 SH   SOLE NONE 6,475 0 0
iShares MSCI EAFE Minimum Vola ETF/ETN 46429B689 7,812 109,930 SH   SOLE NONE 109,930 0 0
iShares MSCI Emerging Markets ETF/ETN 464286533 175 3,020 SH   SOLE NONE 3,020 0 0
iShares Russell 1000 ETF/ETN 464287622 266 1,899 SH   SOLE NONE 1,899 0 0
iShares Russell 1000 Growth In ETF/ETN 464287614 201 1,606 SH   SOLE NONE 1,606 0 0
iShares Russell 1000 Value Ind ETF/ETN 464287598 325 2,738 SH   SOLE NONE 2,738 0 0
iShares Russell Mid-Cap Index ETF/ETN 464287499 257 1,303 SH   SOLE NONE 1,303 0 0
iShares Russell Midcap Value I ETF/ETN 464287473 362 4,266 SH   SOLE NONE 4,266 0 0
iShares Tr Russell 2000 Index ETF/ETN 464287655 120 807 SH   SOLE NONE 807 0 0
iShares US Preferred Stock ETF/ETN 464288687 123 3,169 SH   SOLE NONE 3,169 0 0
ITT Inc. COMMON STOCK 45073V108 1,074 24,249 SH   SOLE NONE 24,249 0 0
J P Morgan Chase COMMON STOCK 46625H100 1,906 19,959 SH   SOLE NONE 19,959 0 0
JM Smucker COMMON STOCK 832696405 261 2,487 SH   SOLE NONE 2,487 0 0
John Bean Technologies COMMON STOCK 477839104 2,517 24,894 SH   SOLE NONE 24,894 0 0
Johnson & Johnson COMMON STOCK 478160104 4,322 33,241 SH   SOLE NONE 33,241 0 0
Kimberly Clark COMMON STOCK 494368103 2,078 17,658 SH   SOLE NONE 17,658 0 0
Kraft Heinz Co. COMMON STOCK 500754106 243 3,133 SH   SOLE NONE 3,133 0 0
Kroger COMMON STOCK 501044101 5,021 250,286 SH   SOLE NONE 250,286 0 0
Laboratory Corp of America Hol COMMON STOCK 50540R409 989 6,550 SH   SOLE NONE 6,550 0 0
Luxfer Holdings PLC COMMON STOCK 550678106 139 11,200 SH   SOLE NONE 11,200 0 0
Marathon Petroleum Corp COMMON STOCK 56585A102 1,389 24,766 SH   SOLE NONE 24,766 0 0
Marriott International, Inc. COMMON STOCK 571903202 147 1,330 SH   SOLE NONE 1,330 0 0
MartenTransport Ltd. COMMON STOCK 573075108 701 34,127 SH   SOLE NONE 34,127 0 0
Matson Navigation Co. COMMON STOCK 57686G105 625 22,187 SH   SOLE NONE 22,187 0 0
Merck & Co Inc COMMON STOCK 58933Y105 1,889 29,497 SH   SOLE NONE 29,497 0 0
Microsoft COMMON STOCK 594918104 5,848 78,503 SH   SOLE NONE 78,503 0 0
Mid-America Apartment Communit REIT 59522J103 582 5,450 SH   SOLE NONE 5,450 0 0
Mine Safety Appliances COMMON STOCK 602720104 398 5,000 SH   SOLE NONE 5,000 0 0
Molson Coors Brewing Company COMMON STOCK 60871R209 2,864 35,086 SH   SOLE NONE 35,086 0 0
Mondelez International Inc. COMMON STOCK 609207105 362 8,906 SH   SOLE NONE 8,906 0 0
Multi Color Corp. COMMON STOCK 625383104 725 8,851 SH   SOLE NONE 8,851 0 0
NBT Bancorp Inc COMMON STOCK 628778102 367 10,000 SH   SOLE NONE 10,000 0 0
New York Times COMMON STOCK 650111107 294 15,000 SH   SOLE NONE 15,000 0 0
NextEra Energy Inc New COMMON STOCK 65339F101 423 2,888 SH   SOLE NONE 2,888 0 0
Nike, Inc. COMMON STOCK 654106103 1,711 32,993 SH   SOLE NONE 32,993 0 0
Nordstrom Inc. COMMON STOCK 655664100 3,788 80,333 SH   SOLE NONE 80,333 0 0
Norfolk Southern Crp COMMON STOCK 655844108 500 3,780 SH   SOLE NONE 3,780 0 0
Northrop Grumman Corp. COMMON STOCK 666807102 6,017 20,912 SH   SOLE NONE 20,912 0 0
Novartis AG Adr COMMON STOCK 66987V109 3,743 43,594 SH   SOLE NONE 43,594 0 0
NTT Docomo Inc. ADR COMMON STOCK 62942M201 123 5,400 SH   SOLE NONE 5,400 0 0
Nuveen CA Muni Advantage Fund ETF/ETN 67066Y105 149 10,000 SH   SOLE NONE 10,000 0 0
Oracle COMMON STOCK 68389X105 351 7,262 SH   SOLE NONE 7,262 0 0
Park City Group Inc. COMMON STOCK 700215304 224 18,450 SH   SOLE NONE 18,450 0 0
Pepsico, Inc. COMMON STOCK 713448108 6,229 55,905 SH   SOLE NONE 55,905 0 0
Pfizer Inc. COMMON STOCK 717081103 1,433 40,143 SH   SOLE NONE 40,143 0 0
Philip Morris Intl COMMON STOCK 718172109 273 2,460 SH   SOLE NONE 2,460 0 0
Phillips 66 COMMON STOCK 718546104 177 1,935 SH   SOLE NONE 1,935 0 0
Pimco ETF Short Maturity Str ETF/ETN 72201R833 2,036 20,000 SH   SOLE NONE 20,000 0 0
Pope Resources a Delaware LP COMMON STOCK 732857107 113 1,600 SH   SOLE NONE 1,600 0 0
Portland Gen Elec Co COMMON STOCK 736508847 974 21,340 SH   SOLE NONE 21,340 0 0
Potlatch Corp COMMON STOCK 737630103 469 9,201 SH   SOLE NONE 9,201 0 0
PowerShares FTSE RAFI US 1000 ETF/ETN 73935X583 7,846 73,223 SH   SOLE NONE 73,223 0 0
Powershares High Yield Corp Bo ETF/ETN 73936T557 2,918 152,915 SH   SOLE NONE 152,915 0 0
PowerShares QQQ ETF/ETN 631100104 677 4,657 SH   SOLE NONE 4,657 0 0
PPL Corp. COMMON STOCK 69351T106 1,143 30,117 SH   SOLE NONE 30,117 0 0
Procter & Gamble COMMON STOCK 742718109 1,232 13,546 SH   SOLE NONE 13,546 0 0
ProLogis COMMON STOCK 743410102 666 10,500 SH   SOLE NONE 10,500 0 0
Quest Diagnostics Inc. COMMON STOCK 74834L100 211 2,250 SH   SOLE NONE 2,250 0 0
Radisys Corp. COMMON STOCK 750459109 21 15,000 SH   SOLE NONE 15,000 0 0
Rayonier REIT 754907103 2,022 70,004 SH   SOLE NONE 70,004 0 0
Raytheon COMMON STOCK 755111507 1,610 8,630 SH   SOLE NONE 8,630 0 0
Rush Enterprises Cl B COMMON STOCK 781846308 146 3,350 SH   SOLE NONE 3,350 0 0
S & P 500 Index Fund ETF/ETN 78462F103 1,681 6,692 SH   SOLE NONE 6,692 0 0
Scana Corp New COMMON STOCK 80589M102 231 4,755 SH   SOLE NONE 4,755 0 0
Schlumberger Limited COMMON STOCK 806857108 685 9,819 SH   SOLE NONE 9,819 0 0
Seaboard Corp. COMMON STOCK 811543107 1,068 237 SH   SOLE NONE 237 0 0
Sonoco Products COMMON STOCK 835495102 2,207 43,754 SH   SOLE NONE 43,754 0 0
Southern Co COMMON STOCK 842587107 183 3,720 SH   SOLE NONE 3,720 0 0
Southwest Air COMMON STOCK 844741108 296 5,280 SH   SOLE NONE 5,280 0 0
SPDR S&P Dividend ETF ETF/ETN 78464A763 133 1,460 SH   SOLE NONE 1,460 0 0
Starbucks COMMON STOCK 855244109 913 16,990 SH   SOLE NONE 16,990 0 0
Starwood Ppty Trust, Inc. REIT 85571B105 1,071 49,300 SH   SOLE NONE 49,300 0 0
Streettracks Gold Shrs ETF/ETN 78463V107 1,955 16,078 SH   SOLE NONE 16,078 0 0
Stryker Corp COMMON STOCK 863667101 3,747 26,384 SH   SOLE NONE 26,384 0 0
Superior Inds Intl COMMON STOCK 868168105 241 14,500 SH   SOLE NONE 14,500 0 0
T Rowe Price Group, Inc. COMMON STOCK 74144T108 178 1,960 SH   SOLE NONE 1,960 0 0
Texas Instruments COMMON STOCK 882508104 130 1,450 SH   SOLE NONE 1,450 0 0
The GEO Group, Inc COMMON STOCK 36162J106 403 14,976 SH   SOLE NONE 14,976 0 0
Time Warner Inc COMMON STOCK 887317303 154 1,500 SH   SOLE NONE 1,500 0 0
Tompkins Financial Corp COMMON STOCK 890110109 146 1,700 SH   SOLE NONE 1,700 0 0
Travelers Cos Inc. COMMON STOCK 89417E109 293 2,395 SH   SOLE NONE 2,395 0 0
Trustco Bk Corp Ny COMMON STOCK 898349105 205 23,000 SH   SOLE NONE 23,000 0 0
Twenty-First Century Fox, Cl B COMMON STOCK 90130A200 103 4,000 SH   SOLE NONE 4,000 0 0
UGI Corp COMMON STOCK 902681105 1,138 24,276 SH   SOLE NONE 24,276 0 0
UMH Pptys Inc PFD C 6.750 PREFERRED STOCK 903002400 134 5,000 SH   SOLE NONE 5,000 0 0
Unilever PLC COMMON STOCK 904767704 1,378 23,770 SH   SOLE NONE 23,770 0 0
Union Pacific Corporation COMMON STOCK 907818108 6,023 51,940 SH   SOLE NONE 51,940 0 0
United Technologies Corp. COMMON STOCK 913017109 2,030 17,488 SH   SOLE NONE 17,488 0 0
Unitedhealth Group COMMON STOCK 91324P102 370 1,890 SH   SOLE NONE 1,890 0 0
Urstadt Biddle Pptys COMMON STOCK 917286106 1,057 58,600 SH   SOLE NONE 58,600 0 0
Urstadt Biddle Pptys 6.75 12/ PREFERRED STOCK 917286809 569 21,775 SH   SOLE NONE 21,775 0 0
Urstadt Biddle Pptys Inc Cl A COMMON STOCK 917286205 2,054 94,664 SH   SOLE NONE 94,664 0 0
Urstadt Biddle Pptys Inc Cum P PREFERRED STOCK 917286882 879 34,000 SH   SOLE NONE 34,000 0 0
Urstadt Biddle Pptys Pfd Ser F PREFERRED STOCK 917286700 679 26,750 SH   SOLE NONE 26,750 0 0
US Bancorp COMMON STOCK 902973304 4,978 92,896 SH   SOLE NONE 92,896 0 0
V F Corp COMMON STOCK 918204108 197 3,100 SH   SOLE NONE 3,100 0 0
Vanguard Consumer Staples ETF ETF/ETN 92204A207 125 900 SH   SOLE NONE 900 0 0
Vanguard Energy ETF ETF/ETN 92204A306 4,260 45,520 SH   SOLE NONE 45,520 0 0
Vanguard Extended Mkt ETF ETF/ETN 922908652 2,566 23,952 SH   SOLE NONE 23,952 0 0
Vanguard Financials ETF ETF/ETN 92204A405 1,672 25,583 SH   SOLE NONE 25,583 0 0
Vanguard FTSE All World ex-US ETF/ETN 922042718 1,516 13,190 SH   SOLE NONE 13,190 0 0
Vanguard FTSE Emerging Mkts ET ETF/ETN 922042858 149 3,416 SH   SOLE NONE 3,416 0 0
Vanguard Global ex-US Real Est ETF/ETN 922042676 371 6,250 SH   SOLE NONE 6,250 0 0
Vanguard Growth ETF ETF/ETN 922908736 298 2,247 SH   SOLE NONE 2,247 0 0
Vanguard Health Care ETF ETF/ETN 92204A504 1,774 11,650 SH   SOLE NONE 11,650 0 0
Vanguard High Dividend Yield I ETF/ETN 921946406 17,545 216,420 SH   SOLE NONE 216,420 0 0
Vanguard Information Technolog ETF/ETN 92204A702 15,321 100,803 SH   SOLE NONE 100,803 0 0
Vanguard Intermediate-Term Cor ETF/ETN 92206C870 830 9,430 SH   SOLE NONE 9,430 0 0
Vanguard Mega Cap ETF ETF/ETN 921910873 3,161 36,637 SH   SOLE NONE 36,637 0 0
Vanguard Mid-Cap Value ETF ETF/ETN 922908512 754 7,140 SH   SOLE NONE 7,140 0 0
Vanguard REIT ETF ETF/ETN 922908553 3,019 36,329 SH   SOLE NONE 36,329 0 0
Vanguard S&P 500 ETF ETF/ETN 922908363 9,477 41,067 SH   SOLE NONE 41,067 0 0
Vanguard Short Term Bond ETF ETF/ETN 921937827 958 12,000 SH   SOLE NONE 12,000 0 0
Vanguard Small Cap Value ETF ETF/ETN 922908611 3,472 27,169 SH   SOLE NONE 27,169 0 0
Vanguard Total International S ETF/ETN 921909768 516 9,434 SH   SOLE NONE 9,434 0 0
Vanguard Total Stock Mkt ETF ETF/ETN 922908769 31,073 239,912 SH   SOLE NONE 239,912 0 0
Vanguard Total World Stk Index ETF/ETN 922042742 4,060 57,407 SH   SOLE NONE 57,407 0 0
Vanguard Utilities ETF ETF/ETN 92204A876 1,398 11,974 SH   SOLE NONE 11,974 0 0
Vanguard Value ETF ETF/ETN 922908744 179 1,791 SH   SOLE NONE 1,791 0 0
Vectren Corp COMMON STOCK 92240G101 1,298 19,733 SH   SOLE NONE 19,733 0 0
Ventas Inc. COMMON STOCK 92276F100 300 4,610 SH   SOLE NONE 4,610 0 0
VeriFone Systems, Inc. COMMON STOCK 92342Y109 568 27,990 SH   SOLE NONE 27,990 0 0
Verizon Communications COMMON STOCK 92343V104 3,262 65,907 SH   SOLE NONE 65,907 0 0
Visa Inc COMMON STOCK 92826C839 659 6,262 SH   SOLE NONE 6,262 0 0
Vodafone Group PLC COMMON STOCK 92857W100 1,310 46,013 SH   SOLE NONE 46,013 0 0
Wabash National Corp. COMMON STOCK 929566107 2,447 107,215 SH   SOLE NONE 107,215 0 0
Wal-Mart Stores COMMON STOCK 931142103 1,961 25,092 SH   SOLE NONE 25,092 0 0
Walt Disney Co. COMMON STOCK 254687106 3,485 35,352 SH   SOLE NONE 35,352 0 0
Waste Management COMMON STOCK 94106L109 862 11,017 SH   SOLE NONE 11,017 0 0
Wells Fargo & Co COMMON STOCK 949746101 1,351 24,489 SH   SOLE NONE 24,489 0 0
Weyerhaeuser REIT 962166104 2,097 61,614 SH   SOLE NONE 61,614 0 0
Whirlpool Corp COMMON STOCK 963320106 1,495 8,105 SH   SOLE NONE 8,105 0 0
WisdomTree DEFA ETF ETF/ETN 97717W703 6,123 112,440 SH   SOLE NONE 112,440 0 0
WisdomTree Emerging Mkts Small ETF/ETN 97717W281 4,296 87,610 SH   SOLE NONE 87,610 0 0
Xylem Inc COMMON STOCK 98419M100 482 7,698 SH   SOLE NONE 7,698 0 0
Zimmer Biomet Holdings, Inc. COMMON STOCK 98956P102 173 1,480 SH   SOLE NONE 1,480 0 0