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 Laboratories COM 002824100 287 6,868 SH   SOLE   0 0 6,868
AFLAC Inc COM 001055102 1,114 17,641 SH   SOLE   16,471 0 1,170
Allstate Corporation COM 020002101 1,573 23,343 SH   SOLE   23,200 0 143
Alon USA Partners LP COM 02052T109 596 45,304 SH   SOLE   45,304 0 0
Altria Group Inc COM 02209S103 218 3,477 SH   SOLE   0 0 3,477
American Equity Investment Lif COM 025676206 451 26,875 SH   SOLE   26,875 0 0
American Tower REIT COM 03027X100 625 6,104 SH   SOLE   6,104 0 0
Amgen Inc COM 031162100 475 3,166 SH   SOLE   0 0 3,166
Apple Inc COM 037833100 3,964 36,372 SH   SOLE   34,132 0 2,240
Argonaut Gold Inc COM 04016A101 22 15,300 SH   SOLE   0 0 15,300
AT&T Inc COM 00206R102 859 21,928 SH   SOLE   21,624 0 304
Automatic Data Processing COM 053015103 651 7,253 SH   SOLE   200 0 7,053
AutoZone Inc COM 053332102 299 375 SH   SOLE   0 0 375
Berkshire Hathaway Inc CL B COM 084670702 467 3,293 SH   SOLE   0 0 3,293
Berkshire Hills Bancorp Inc COM 084680107 784 29,152 SH   SOLE   29,152 0 0
Best Doctors Inc COM 086998119 0 10,557 SH   SOLE   10,557 0 0
Bristol Myers Squibb Co COM 110122108 509 7,965 SH   SOLE   0 0 7,965
Buckeye Partners LP COM 118230101 1,229 18,085 SH   SOLE   85 0 18,000
Business Development Co COM 12325J101 1,743 156,313 SH   SOLE   156,313 0 0
Capital One Financial Corp COM 14040H105 371 5,355 SH   SOLE   0 0 5,355
Caviton Energy Systems Inc COM BEK996500 0 19,160 SH   SOLE   0 0 19,160
Chicago Bridge & Iron Company COM 167250109 220 6,000 SH   SOLE   6,000 0 0
Cisco Systems Inc COM 17275R102 224 7,870 SH   SOLE   7,570 0 300
Citigroup Inc COM 172967424 802 19,206 SH   SOLE   19,206 0 0
Clorox Corporation COM 189054109 942 7,475 SH   SOLE   7,475 0 0
Cognizant Technology Solutions COM 192446102 1,202 19,178 SH   SOLE   19,178 0 0
Colonial BancGroup Inc COM 195493309 0 23,125 SH   SOLE   23,125 0 0
Comcast Corporation COM 20030N101 217 3,547 SH   SOLE   423 0 3,124
Connecture Inc COM 20786J106 48 18,750 SH   SOLE   18,750 0 0
Corning Incorporated COM 219350105 374 17,920 SH   SOLE   0 0 17,920
Dr Pepper Snapple Group Inc COM 26138E109 862 9,636 SH   SOLE   8,628 0 1,008
Dycom Industries Inc COM 267475101 3,624 56,044 SH   SOLE   56,044 0 0
Eli Lilly & Company COM 532457108 384 5,339 SH   SOLE   0 0 5,339
Enterprise Products Partners L COM 293792107 1,965 79,828 SH   SOLE   824 0 79,004
Exxon Mobil Corporation COM 30231G102 816 9,764 SH   SOLE   3,140 0 6,624
Federal Realty Investment Trus COM 313747206 208 1,335 SH   SOLE   0 0 1,335
General Electric Company COM 369604103 591 18,593 SH   SOLE   7,048 0 11,545
Gildan Activewear, Inc. COM 375916103 1,313 43,045 SH   SOLE   43,045 0 0
Global Net Lease, Inc. COM 379378102 400 46,693 SH   SOLE   46,693 0 0
Golden Arch Resources Ltd. COM 38079K101 0 23,000 SH   SOLE   0 0 23,000
Goldman Sachs Group Inc COM 38141G104 628 4,000 SH   SOLE   0 0 4,000
Holly Energy Partners LP COM 435763107 271 8,000 SH   SOLE   0 0 8,000
Home Depot Incorporated COM 437076102 3,551 26,613 SH   SOLE   24,398 0 2,215
Hormel Foods Corp COM 440452100 253 5,854 SH   SOLE   0 0 5,854
Intellitar Inc Series A Pfd COM 458998663 0 12,000 SH   SOLE   12,000 0 0
International Business Machine COM 459200101 603 3,978 SH   SOLE   0 0 3,978
Investors Bancorp Incorporated COM 46146L101 778 66,802 SH   SOLE   66,802 0 0
iShares MSCI Emerging Markets COM 464287234 454 13,269 SH   SOLE   0 0 13,269
iShares Russell 2000 Index COM 464287655 904 8,175 SH   SOLE   585 0 7,590
iShares S&P U.S. Preferred Sto COM 464288687 972 24,893 SH   SOLE   23,129 0 1,764
J. C. Penney Company, Inc. COM 708160106 597 54,000 SH   SOLE   0 0 54,000
Johnson & Johnson Company COM 478160104 435 4,018 SH   SOLE   980 0 3,038
Kimberly-Clark Corp COM 494368103 311 2,309 SH   SOLE   300 0 2,009
L-3 Communications Holdings In COM 502424104 498 4,201 SH   SOLE   4,201 0 0
Luxoft Holding Inc COM G57279104 459 8,341 SH   SOLE   8,341 0 0
Magellan Midstream Partners LP COM 559080106 1,110 16,140 SH   SOLE   140 0 16,000
Microsoft Corporation COM 594918104 275 4,981 SH   SOLE   428 0 4,553
NextEra Energy, Inc. COM 65339F101 411 3,477 SH   SOLE   237 0 3,240
NIC Inc COM 62914B100 715 39,656 SH   SOLE   39,656 0 0
Norfolk Southern Corp COM 655844108 743 8,923 SH   SOLE   1,298 0 7,625
Novo Nordisk A/S COM 670100205 268 4,946 SH   SOLE   60 0 4,886
ONEOK Partners, L.P. COM 68268N103 408 13,000 SH   SOLE   0 0 13,000
PC Connection Inc COM 69318J100 1,114 43,144 SH   SOLE   43,144 0 0
Pepsico Inc COM 713448108 1,344 13,112 SH   SOLE   324 0 12,788
Perseus Mining LTD - OLD COM Q74174105 40 128,500 SH   SOLE   0 0 128,500
Pfizer Inc COM 717081103 404 13,631 SH   SOLE   0 0 13,631
Phillips Van Heusen Corp. COM 693656100 686 6,926 SH   SOLE   6,926 0 0
ProAssurance Corp COM 74267C106 597 11,806 SH   SOLE   11,806 0 0
Procter & Gamble Co COM 742718109 475 5,773 SH   SOLE   3,841 0 1,932
Reynolds American Inc COM 761713106 1,207 24,001 SH   SOLE   24,001 0 0
Rollins Inc COM 775711104 918 33,855 SH   SOLE   33,855 0 0
Rolls-Royce Holdings plc COM G76225112 0 380,540 SH   SOLE   380,540 0 0
Ross Stores Inc COM 778296103 2,399 41,427 SH   SOLE   41,427 0 0
Royal Bank of Canada COM 780087102 2,058 35,756 SH   SOLE   35,756 0 0
Rydex S&P Equal Weight COM 78355W106 674 8,580 SH   SOLE   0 0 8,580
ServisFirst Bancshares Inc COM 81768T108 200 4,506 SH   SOLE   4,506 0 0
Southern Company COM 842587107 210 4,065 SH   SOLE   1,565 0 2,500
SPDR Gold Trust ETF COM 78463V107 5,320 45,223 SH   SOLE   41,260 0 3,963
SPDR S&P 500 ETF COM 78462F103 2,073 10,089 SH   SOLE   7,619 0 2,470
Synchronoss Technologies Inc COM 87157B103 905 27,971 SH   SOLE   27,771 0 200
SYSCO Corporation COM 871829107 268 5,735 SH   SOLE   0 0 5,735
Target Corporation COM 87612E106 726 8,828 SH   SOLE   0 0 8,828
Teradyne Inc COM 880770102 242 11,200 SH   SOLE   11,200 0 0
Teranga Gold Corporation CDA COM 880797105 53 94,600 SH   SOLE   0 0 94,600
Texas Instruments Inc COM 882508104 222 3,862 SH   SOLE   1,051 0 2,811
The Coca-Cola Company COM 191216100 714 15,385 SH   SOLE   6,955 0 8,430
The KEYW Holding Corporation COM 493723100 534 80,368 SH   SOLE   0 0 80,368
The Walt Disney Company COM 254687106 734 7,391 SH   SOLE   1,867 0 5,524
Time Warner Cable Inc. COM 88732J207 481 2,353 SH   SOLE   0 0 2,353
United Technologies Corp COM 913017109 373 3,727 SH   SOLE   0 0 3,727
UTG, Inc. COM 293747341 337 21,739 SH   SOLE   0 0 21,739
Utilities SPDR ETF COM 81369Y886 1,178 23,746 SH   SOLE   19,613 0 4,133
Vail Resorts Inc COM 91879Q109 1,243 9,297 SH   SOLE   9,297 0 0
Vanguard Total Stock Market ET COM 922908769 203 1,938 SH   SOLE   95 0 1,843
VEREIT, Inc. COM 92339V100 328 36,968 SH   SOLE   36,968 0 0
Verizon Communications Inc. COM 92343V104 377 6,968 SH   SOLE   3,151 0 3,817
Visa Inc COM 92826C839 474 6,204 SH   SOLE   5,684 0 520
Wells Fargo & Company COM 949746101 462 9,555 SH   SOLE   5,575 0 3,980
Westamerica Bancorp. COM 957090103 672 13,804 SH   SOLE   13,804 0 0
Weyerhaeuser Co. COM 962166104 471 15,200 SH   SOLE   0 0 15,200
VEREIT Series F Pfd, 6.7% PFD 92339V209 897 35,404 SH   SOLE   35,404 0 0
Consumer Staples Select Sector COM 81369Y308 5,444 102,599 SH   SOLE   98,149 0 4,450
Deutsche X-trackers MSCI EAFE COM 233051200 377 14,775 SH   SOLE   0 0 14,775
First Trust Consumer Discretio COM 33734X101 210 5,963 SH   SOLE   5,963 0 0
First Trust Consumer Staples A COM 33734X119 495 10,743 SH   SOLE   10,743 0 0
First Trust Germany AlphaDEX F COM 33737J190 246 6,721 SH   SOLE   6,721 0 0
First Trust Health Care AlphaD COM 33734X143 379 6,791 SH   SOLE   6,791 0 0
First Trust Large Cap Core Alp COM 33734K109 1,216 27,248 SH   SOLE   27,248 0 0
First Trust Mid Cap Core Alpha COM 33735B108 203 4,099 SH   SOLE   4,099 0 0
First Trust United Kingdom Alp COM 33737J224 286 7,601 SH   SOLE   7,601 0 0
Guggenheim BulletShares 2016 H COM 18383M415 407 15,777 SH   SOLE   15,777 0 0
Guggenheim BulletShares 2017 H COM 18383M399 2,147 84,243 SH   SOLE   84,243 0 0
Guggenheim BulletShares 2018 H COM 18383M381 211 8,760 SH   SOLE   8,760 0 0
Industrial Select Sector SPDR COM 81369Y704 5,596 100,879 SH   SOLE   96,080 0 4,799
iShares Barclays Aggregate Bon COM 464287226 20,114 181,496 SH   SOLE   66,839 0 114,657
iShares Dow Jones Select Divid COM 464287168 388 4,749 SH   SOLE   0 0 4,749
iShares MSCI EAFE Index Fund E COM 464287465 483 8,448 SH   SOLE   0 0 8,448
iShares Russell 3000 Index Fun COM 464287689 613 5,075 SH   SOLE   0 0 5,075
iShares S&P 500 Index ETF COM 464287200 674 3,261 SH   SOLE   1,666 0 1,595
PowerShares DB US Dollar Index COM 73936D107 7,895 321,727 SH   SOLE   311,356 0 10,371
Schwab US Large-Cap ETF COM 808524201 3,472 71,086 SH   SOLE   71,086 0 0
SPDR Euro Stoxx 50 COM 78463X202 388 11,663 SH   SOLE   0 0 11,663
Technology Select Sector SPDR COM 81369Y803 5,457 123,011 SH   SOLE   117,075 0 5,936
Vanguard Dividend Appreciation COM 921908844 1,312 16,143 SH   SOLE   0 0 16,143
Vanguard FTSE Developed Market COM 921943858 1,869 52,085 SH   SOLE   9,097 0 42,988
Vanguard High Dividend Yield I COM 921946406 520 7,527 SH   SOLE   5,467 0 2,060
Vanguard REIT Index ETF COM 922908553 17,216 205,444 SH   SOLE   70,792 0 134,652
Vanguard Russell 2000 Index ET COM 92206C664 7,137 80,457 SH   SOLE   38,978 0 41,479
Vanguard S&P 500 ETF COM 922908363 35,860 190,177 SH   SOLE   52,719 0 137,459
Vanguard Telecommunication Ser COM 92204A884 1,176 12,685 SH   SOLE   10,553 0 2,132