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
AETNA INC NEW COM 00817Y108 327 5,100 SH   SOLE   0 0 5,100
ALTRIA GROUP INC COM 02209S103 402 11,693 SH   SOLE   0 0 11,693
AMERICAN EXPRESS CO COM 025816109 201 2,660 SH   SOLE   0 0 2,660
APPLE INC COM 037833100 203 425 SH   SOLE   0 0 425
AT&T INC COM 00206R102 1,132 33,458 SH   SOLE   0 0 33,458
AUTOMATIC DATA PROCESSING IN COM 053015103 1,136 15,695 SH   SOLE   0 0 15,695
BAXTER INTL INC COM 071813109 353 5,368 SH   SOLE   0 0 5,368
BRISTOL MYERS SQUIBB CO COM 110122108 2,048 44,254 SH   SOLE   0 0 44,254
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 242 2,300 SH   SOLE   0 0 2,300
BT GROUP PLC ADR 05577E101 827 14,950 SH   SOLE   0 0 14,950
CHEVRON CORP NEW COM 166764100 608 5,006 SH   SOLE   0 0 5,006
CONOCOPHILLIPS COM 20825C104 3,249 46,746 SH   SOLE   0 0 46,746
COSTCO WHSL CORP NEW COM 22160K105 407 3,533 SH   SOLE   0 0 3,533
CULLEN FROST BANKERS INC COM 229899109 889 12,596 SH   SOLE   0 0 12,596
DOMINION RES INC VA NEW COM 25746U109 3,618 57,900 SH   SOLE   0 0 57,900
DUKE ENERGY CORP NEW COM NEW 26441C204 2,733 40,928 SH   SOLE   0 0 40,928
E M C CORP MASS COM 268648102 2,032 79,484 SH   SOLE   0 0 79,484
EXXON MOBIL CORP COM 30231G102 721 8,380 SH   SOLE   0 0 8,380
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 623 11,595 SH   SOLE   0 0 11,595
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101 564 19,035 SH   SOLE   0 0 19,035
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 532 16,185 SH   SOLE   0 0 16,185
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 562 12,975 SH   SOLE   0 0 12,975
GANNETT INC COM 364730101 3,072 114,667 SH   SOLE   0 0 114,667
GENERAL ELECTRIC CO COM 369604103 4,564 191,024 SH   SOLE   0 0 191,024
GENERAL MLS INC COM 370334104 2,640 55,098 SH   SOLE   0 0 55,098
HASBRO INC COM 418056107 302 6,400 SH   SOLE   0 0 6,400
INTERNATIONAL BUSINESS MACHS COM 459200101 574 3,097 SH   SOLE   0 0 3,097
INTL PAPER CO COM 460146103 289 6,450 SH   SOLE   0 0 6,450
ISHARES MSCI SZ CAP ETF 464286749 4,991 159,560 SH   SOLE   0 0 159,560
ISHARES MSCI SWEDEN ETF 464286756 7,521 219,600 SH   SOLE   0 0 219,600
ISHARES MSCI GERMANY ETF 464286806 6,762 243,155 SH   SOLE   0 0 243,155
ISHARES MSCI NETHERL ETF 464286814 294 12,350 SH   SOLE   0 0 12,350
ISHARES SELECT DIVID ETF 464287168 206 3,100 SH   SOLE   0 0 3,100
ISHARES TIPS BD ETF 464287176 30,978 275,165 SH   SOLE   0 0 275,165
ISHARES S&P 500 GRWT ETF 464287309 5,599 62,662 SH   SOLE   0 0 62,662
ISHARES MSCI EAFE ETF 464287465 11,181 175,253 SH   SOLE   0 0 175,253
ISHARES CORE S&P MCP ETF 464287507 5,202 41,905 SH   SOLE   0 0 41,905
ISHARES NA TEC-SFTWR ETF 464287515 4,028 52,810 SH   SOLE   0 0 52,810
ISHARES N AMER TECH ETF 464287549 4,578 57,375 SH   SOLE   0 0 57,375
ISHARES NASDQ BIOTEC ETF 464287556 4,532 21,621 SH   SOLE   0 0 21,621
ISHARES COHEN&STEER REIT 464287564 250 3,250 SH   SOLE   0 0 3,250
ISHARES U.S. CNSM SV ETF 464287580 3,864 35,140 SH   SOLE   0 0 35,140
ISHARES S&P MC 400GR ETF 464287606 8,060 57,940 SH   SOLE   0 0 57,940
ISHARES S&P MC 400VL ETF 464287705 5,975 55,310 SH   SOLE   0 0 55,310
ISHARES U.S. INDS ETF 464287754 5,032 55,590 SH   SOLE   0 0 55,590
ISHARES U.S. FIN SVC ETF 464287770 5,931 80,025 SH   SOLE   0 0 80,025
ISHARES CORE S&P SCP ETF 464287804 933 9,345 SH   SOLE   0 0 9,345
ISHARES U.S. CNSM GD ETF 464287812 4,014 44,950 SH   SOLE   0 0 44,950
ISHARES DOW JONES US ETF 464287846 273 3,200 SH   SOLE   0 0 3,200
ISHARES SP SMCP600VL ETF 464287879 7,186 70,300 SH   SOLE   0 0 70,300
ISHARES SP SMCP600GR ETF 464287887 6,028 55,630 SH   SOLE   0 0 55,630
ISHARES MRNGSTR LG-CP VL 464288109 5,380 73,295 SH   SOLE   0 0 73,295
ISHARES US HLTHCR PR ETF 464288828 4,161 47,690 SH   SOLE   0 0 47,690
ISHARES U.S. PHARMA ETF 464288836 6,423 60,375 SH   SOLE   0 0 60,375
ISHARES NW ZEALND CP ETF 464289123 296 7,700 SH   SOLE   0 0 7,700
LILLY ELI & CO COM 532457108 244 4,850 SH   SOLE   0 0 4,850
LOCKHEED MARTIN CORP COM 539830109 201 1,575 SH   SOLE   0 0 1,575
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 2,893 39,500 SH   SOLE   0 0 39,500
MARKET VECTORS ETF TR GOLD MINER ETF 57060U100 662 26,450 SH   SOLE   0 0 26,450
MARRIOTT INTL INC NEW CL A 571903202 228 5,430 SH   SOLE   0 0 5,430
MCDONALDS CORP COM 580135101 1,132 11,766 SH   SOLE   0 0 11,766
MICROSOFT CORP COM 594918104 744 22,355 SH   SOLE   0 0 22,355
NUCOR CORP COM 670346105 2,653 54,128 SH   SOLE   0 0 54,128
ORACLE CORP COM 68389X105 2,911 87,761 SH   SOLE   0 0 87,761
PEPSICO INC COM 713448108 670 8,422 SH   SOLE   0 0 8,422
PFIZER INC COM 717081103 354 12,316 SH   SOLE   0 0 12,316
PHILIP MORRIS INTL INC COM 718172109 266 3,077 SH   SOLE   0 0 3,077
PITNEY BOWES INC COM 724479100 3,192 175,464 SH   SOLE   0 0 175,464
POWERSHARES ETF TRUST II DWA DEVEL MKTS 73936Q108 8,693 347,170 SH   SOLE   0 0 347,170
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 5,137 65,128 SH   SOLE   0 0 65,128
PROCTER & GAMBLE CO COM 742718109 302 4,001 SH   SOLE   0 0 4,001
PUBLIC SVC ENTERPRISE GROUP COM 744573106 1,392 42,278 SH   SOLE   0 0 42,278
REYNOLDS AMERICAN INC COM 761713106 313 6,425 SH   SOLE   0 0 6,425
ROYAL BK CDA MONTREAL QUE COM 780087102 282 4,400 SH   SOLE   0 0 4,400
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 348 5,300 SH   SOLE   0 0 5,300
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 23,354 358,185 SH   SOLE   0 0 358,185
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 3,129 49,245 SH   SOLE   0 0 49,245
SMUCKER J M CO COM NEW 832696405 1,604 15,266 SH   SOLE   0 0 15,266
SPDR S&P 500 ETF TR TR UNIT 78462F103 641 3,816 SH   SOLE   0 0 3,816
SUSQUEHANNA BANCSHARES INC P COM 869099101 474 37,803 SH   SOLE   0 0 37,803
TRONOX LTD SHS CL A Q9235V101 996 40,700 SH   SOLE   0 0 40,700
UDR INC COM 902653104 921 38,848 SH   SOLE   0 0 38,848
VALERO ENERGY CORP NEW COM 91913Y100 1,936 56,700 SH   SOLE   0 0 56,700
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,057 28,085 SH   SOLE   0 0 28,085
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,965 25,900 SH   SOLE   0 0 25,900
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,769 22,940 SH   SOLE   0 0 22,940
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,725 26,590 SH   SOLE   0 0 26,590
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 539 11,100 SH   SOLE   0 0 11,100
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 7,824 158,300 SH   SOLE   0 0 158,300
VODAFONE GROUP PLC NEW SPONS ADR NEW 92857W209 1,381 39,254 SH   SOLE   0 0 39,254
WELLS FARGO & CO NEW COM 949746101 339 8,196 SH   SOLE   0 0 8,196
WENDYS CO COM 95058W100 2,004 236,300 SH   SOLE   0 0 236,300
WESTERN DIGITAL CORP COM 958102105 298 4,700 SH   SOLE   0 0 4,700
WEYERHAEUSER CO COM 962166104 1,655 57,811 SH   SOLE   0 0 57,811
WISCONSIN ENERGY CORP COM 976657106 1,740 43,097 SH   SOLE   0 0 43,097
WISDOMTREE TR LARGECAP DIVID 97717W307 4,341 70,925 SH   SOLE   0 0 70,925
WISDOMTREE TR DIV EX-FINL FD 97717W406 1,367 21,485 SH   SOLE   0 0 21,485
YUM BRANDS INC COM 988498101 399 5,596 SH   SOLE   0 0 5,596