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 Co. COM 88579Y101 8,042 59,282 SH   SOLE NONE 59,282 0 0
AT&T Inc. COM 00206R102 32 903 SH   SOLE NONE 903 0 0
AbbVie Inc. COM 00287Y109 26 500 SH   SOLE NONE 500 0 0
Abbott Laboratories COM 002824100 19 500 SH   SOLE NONE 500 0 0
Acco Brands Corp. COM 00081T108 18 2,953 SH   SOLE NONE 2,953 0 0
Aflac Inc. COM 001055102 4,782 75,854 SH   SOLE NONE 75,854 0 0
American Tower Corp. COM 03027X100 5,227 63,840 SH   SOLE NONE 63,840 0 0
Amgen Inc. COM 031162100 7,505 60,851 SH   SOLE NONE 60,851 0 0
Anglogold Ashanti Ltd. (ADR) SPONSORED ADR 035128206 7 400 SH   SOLE NONE 400 0 0
Apple Inc. COM 037833100 21 40 SH   SOLE NONE 40 0 0
Bank of New York Mellon Corp. COM 064058100 9 241 SH   SOLE NONE 241 0 0
Baxter International Inc. COM 071813109 3,158 42,926 SH   SOLE NONE 42,926 0 0
Berkshire Hathaway Inc. Class CL B NEW 084670702 93 742 SH   SOLE NONE 742 0 0
Boeing Co. COM 097023105 944 7,526 SH   SOLE NONE 7,526 0 0
Boston Scientific Corp. COM 101137107 11 806 SH   SOLE NONE 806 0 0
CVS Caremark Corp. COM 126650100 10,546 140,874 SH   SOLE NONE 140,874 0 0
Canadian Natural Resources Ltd COM 136385101 292 7,600 SH   SOLE NONE 7,600 0 0
Caterpillar Inc. COM 149123101 14 140 SH   SOLE NONE 140 0 0
Cenovus Energy Inc. COM 15135U109 1,082 37,413 SH   SOLE NONE 37,413 0 0
Chevron Corp. COM 166764100 109 917 SH   SOLE NONE 917 0 0
Cisco Systems Inc. COM 17275R102 4,607 205,523 SH   SOLE NONE 205,523 0 0
Colgate-Palmolive Co. COM 194162103 7,788 120,048 SH   SOLE NONE 120,048 0 0
Comcast Corp. CL A 20030N101 391 7,808 SH   SOLE NONE 7,808 0 0
ConocoPhillips COM 20825C104 3,916 55,661 SH   SOLE NONE 55,661 0 0
CNO Financial Group COM 12621E103 36 2,000 SH   SOLE NONE 2,000 0 0
Covidien PLC SHS G2554F113 440 5,968 SH   SOLE NONE 5,968 0 0
Cummins Inc. COM 231021106 209 1,400 SH   SOLE NONE 1,400 0 0
Devon Energy Corp. COM 25179M103 5 75 SH   SOLE NONE 75 0 0
EMC Corp. COM 268648102 8,097 295,386 SH   SOLE NONE 295,386 0 0
Eli Lilly & Co. COM 532457108 489 8,301 SH   SOLE NONE 8,301 0 0
EnCana Corp. COM 292505104 2,456 114,858 SH   SOLE NONE 114,858 0 0
Express Scripts Inc. COM 30219G108 454 6,048 SH   SOLE NONE 6,048 0 0
Exxon Mobil Corp. COM 30231G102 4,531 46,385 SH   SOLE NONE 46,385 0 0
Firstenergy Corp. COM 337932107 10 304 SH   SOLE NONE 304 0 0
Franklin Resources Inc. COM 354613101 243 4,490 SH   SOLE NONE 4,490 0 0
Freeport-McMoran Copper & Gold COM 35671D857 4 110 SH   SOLE NONE 110 0 0
General Electric Co. COM 369604103 7,100 274,250 SH   SOLE NONE 274,250 0 0
General Mills Inc. COM 370334104 155 3,000 SH   SOLE NONE 3,000 0 0
Goldman Sachs Group Inc. COM 38141G104 3,318 20,251 SH   SOLE NONE 20,251 0 0
Halliburton Co. COM 406216101 17 290 SH   SOLE NONE 290 0 0
Home Depot Inc. COM 437076102 4,816 60,863 SH   SOLE NONE 60,863 0 0
Honeywell International Inc. COM 438516106 10,659 114,906 SH   SOLE NONE 114,906 0 0
IDEX Corp. COM 45167R104 131 1,800 SH   SOLE NONE 1,800 0 0
Illinois Tool Works Inc. COM 452308109 16 200 SH   SOLE NONE 200 0 0
Intel Corp. COM 458140100 5,475 212,090 SH   SOLE NONE 212,090 0 0
Intuit Inc. COM 461202103 509 6,550 SH   SOLE NONE 6,550 0 0
Johnson & Johnson COM 478160104 7,182 73,118 SH   SOLE NONE 73,118 0 0
Johnson Controls Inc. COM 478366107 339 7,160 SH   SOLE NONE 7,160 0 0
Kimberly-Clark Corp. COM 494368103 7,958 72,180 SH   SOLE NONE 72,180 0 0
Kohl's Corp. COM 500255104 4,333 76,288 SH   SOLE NONE 76,288 0 0
Kroger Co. COM 501044101 6,601 151,220 SH   SOLE NONE 151,220 0 0
Linear Technology Corp. COM 535678106 15 300 SH   SOLE NONE 300 0 0
Macy's Inc. COM 55616P104 6 100 SH   SOLE NONE 100 0 0
Mallinckrodt plc SHS G5785G107 45 713 SH   SOLE NONE 713 0 0
Marathon Petroleum Corp. COM 56585A102 35 400 SH   SOLE NONE 400 0 0
Martin Marietta Materials Inc. COM 573284106 90 700 SH   SOLE NONE 700 0 0
McCormick & Co. Inc. COM NON VTG 579780206 143 2,000 SH   SOLE NONE 2,000 0 0
McDonalds Corp. COM 580135101 10 100 SH   SOLE NONE 100 0 0
MeadWestvaco Corp. COM 583334107 249 6,626 SH   SOLE NONE 6,626 0 0
Medtronic Inc. COM 585055106 5,926 96,296 SH   SOLE NONE 96,296 0 0
Merck & Co. Inc. COM 58933Y105 162 2,849 SH   SOLE NONE 2,849 0 0
MetLife Inc. COM 59156R108 4,768 90,307 SH   SOLE NONE 90,307 0 0
Microsoft Corp. COM 594918104 8,739 213,202 SH   SOLE NONE 213,202 0 0
Nike Inc. CL B 654106103 236 3,200 SH   SOLE NONE 3,200 0 0
Norfolk Southern Corp. COM 655844108 8 81 SH   SOLE NONE 81 0 0
PNC Financial Services Group COM 693475105 3,960 45,513 SH   SOLE NONE 45,513 0 0
Pentair Ltd. SHS H6169Q108 78 982 SH   SOLE NONE 982 0 0
Pepsico Inc. COM 713448108 7,485 89,637 SH   SOLE NONE 89,637 0 0
Phillips 66 Co. COM 718546104 6,157 79,900 SH   SOLE NONE 79,900 0 0
Praxair Inc. COM 74005P104 7,060 53,903 SH   SOLE NONE 53,903 0 0
Procter & Gamble Co. COM 742718109 10 125 SH   SOLE NONE 125 0 0
QEP Resources Inc. COM 74733V100 1,279 43,447 SH   SOLE NONE 43,447 0 0
Questar Corp. COM 748356102 3,064 128,852 SH   SOLE NONE 128,852 0 0
Rayonier Inc. COM 754907103 122 2,654 SH   SOLE NONE 2,654 0 0
Schlumberger Ltd. COM 806857108 3,476 35,650 SH   SOLE NONE 35,650 0 0
St. Jude Medical Inc. COM 790849103 10 155 SH   SOLE NONE 155 0 0
Stericycle COM 858912108 3,664 32,250 SH   SOLE NONE 32,250 0 0
TJX Companies Inc. COM 872540109 4,948 81,590 SH   SOLE NONE 81,590 0 0
Teva Pharmaceutical Industries ADR 881624209 3,229 61,100 SH   SOLE NONE 61,100 0 0
Texas Instruments Inc. COM 882508104 572 12,130 SH   SOLE NONE 12,130 0 0
The ADT Corporation Co. COM 00101J106 63 2,120 SH   SOLE NONE 2,120 0 0
Transocean Ltd. REG SHS H8817H100 95 2,309 SH   SOLE NONE 2,309 0 0
Tyco International Ltd. SHS H89128104 180 4,250 SH   SOLE NONE 4,250 0 0
U.S. Bancorp COM NEW 902973304 5,913 137,965 SH   SOLE NONE 137,965 0 0
Union Pacific Corp. COM 907818108 8,413 44,831 SH   SOLE NONE 44,831 0 0
United Technologies Corp. COM 913017109 9,510 81,394 SH   SOLE NONE 81,394 0 0
VF Corp. COM 918204108 7,173 115,910 SH   SOLE NONE 115,910 0 0
Valero Energy Corp. COM 91913Y100 6 110 SH   SOLE NONE 110 0 0
Vectren Corp. COM 92240G101 39 1,000 SH   SOLE NONE 1,000 0 0
W.R. Berkley Corp. COM 084423102 810 19,470 SH   SOLE NONE 19,470 0 0
Wal-Mart Stores Inc. COM 931142103 14 185 SH   SOLE NONE 185 0 0
Walt Disney Co. COM DISNEY 254687106 12,077 150,826 SH   SOLE NONE 150,826 0 0
Wells Fargo & Co. COM 949746101 6,028 121,199 SH   SOLE NONE 121,199 0 0
Zimmer Holdings Inc. COM 98956P102 7 75 SH   SOLE NONE 75 0 0
Vanguard MSCI Emerging Markets FTSE EMR MKT ETF 922042858 1,849 45,563 SH   SOLE NONE 45,563 0 0
iShares MSCI EAFE Index MSCI EAFE ETF 464287465 13,297 197,873 SH   SOLE NONE 197,873 0 0
iShares Russell 2000 Index Fun RUSSELL 2000 ETF 464287655 3,917 33,667 SH   SOLE NONE 33,667 0 0
SPDR Dow Jones Reit Fund DJ REIT ETF 78464A607 19 246 SH   SOLE NONE 246 0 0
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 8 200 SH   SOLE NONE 200 0 0
Schwab US REIT ETF US REIT ETF 808524847 13 380 SH   SOLE NONE 380 0 0
Schwab US Small-Cap ETF US SML CAP ETF 808524607 14 257 SH   SOLE NONE 257 0 0
Vanguard REIT Index ETF REIT ETF 922908553 7 100 SH   SOLE NONE 100 0 0
iShares Russell 2000 Growth In RUS 2000 GRW ETF 464287648 21 157 SH   SOLE NONE 157 0 0
iShares Russell 2000 Value Ind RUS 2000 VAL ETF 464287630 34 334 SH   SOLE NONE 334 0 0
Health Care Select Sector SPDR SBI HEALTHCARE 81369Y209 6 100 SH   SOLE NONE 100 0 0
PowerShares Dynamic Pharmaceut DYN PHRMA PORT 73935X799 22 390 SH   SOLE NONE 390 0 0
PowerShares QQQ Trust UNIT SER 1 73935A104 9 100 SH   SOLE NONE 100 0 0
SPDR Dow Jones Industrial Aver UT SER 1 78467X109 72 437 SH   SOLE NONE 437 0 0
SPDR S&P 500 (ETF) TR UNIT 78462F103 1,556 8,322 SH   SOLE NONE 8,322 0 0
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 13 175 SH   SOLE NONE 175 0 0
Schwab US Broad Martket ETF US BRD MKT ETF 808524102 27 588 SH   SOLE NONE 588 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 22 600 SH   SOLE NONE 600 0 0
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 27 611 SH   SOLE NONE 611 0 0
iShares Nasdaq Biotechnology I NASDQ BIOTEC ETF 464287556 20 85 SH   SOLE NONE 85 0 0
SPDR Barclays High Yield Bond BRC HGH YLD BD 78464A417 3,651 88,360 SH   SOLE NONE 88,360 0 0
Schwab US TIPS ETF US TIPS ETF 808524870 11 200 SH   SOLE NONE 200 0 0
SPDR Barclays Short-Term High SHT TRM HGH YLD 78468R408 5 170 SH   SOLE NONE 170 0 0
iShares US Preferred Stock Fun U.S. PFD STK ETF 464288687 4 100 SH   SOLE NONE 100 0 0
iShares iBoxx High Yld Corpora IBOXX HI YD ETF 464288513 150 1,588 SH   SOLE NONE 1,588 0 0
SPDR Gold Trust GOLD SHS 78463V107 9,409 76,122 SH   SOLE NONE 76,122 0 0
iShares Gold Trust ISHARES 464285105 4 300 SH   SOLE NONE 300 0 0