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
3M Company COMMON STOCK 88579y101 331 2,148 SH   SOLE   2,148 0 0
A T & T Inc new COMMON STOCK 00206r102 237 6,677 SH   SOLE   6,677 0 0
Abbott Labs COMMON STOCK 002824100 781 15,921 SH   SOLE   15,921 0 0
AbbVie Inc. COMMON STOCK 00287Y109 1,116 16,611 SH   SOLE   16,611 0 0
ADT Corp COMMON STOCK 00101J106 1,246 37,113 SH   SOLE   37,113 0 0
Altria Group Inc COMMON STOCK 02209S103 1,080 22,080 SH   SOLE   22,080 0 0
American Water Works COMMON STOCK 030420103 423 8,703 SH   SOLE   8,703 0 0
Apple Inc. COMMON STOCK 037833100 4,613 36,782 SH   SOLE   36,782 0 0
Archer Daniels Midland COMMON STOCK 039483102 703 14,586 SH   SOLE   14,586 0 0
Bank Of Montreal COMMON STOCK 063671101 672 11,334 SH   SOLE   11,334 0 0
Bank of New York Mellon Corp COMMON STOCK 064058100 1,577 37,570 SH   SOLE   37,570 0 0
Barrick Gold Corp COMMON STOCK 067901108 295 27,644 SH   SOLE   27,644 0 0
Baxter International Inc COMMON STOCK 071813109 1,215 17,376 SH   SOLE   17,376 0 0
Berkshire Hathaway Cl B COMMON STOCK 084670702 254 1,866 SH   SOLE   1,866 0 0
Bristol Myers Squibb Company COMMON STOCK 110122108 1,159 17,415 SH   SOLE   17,415 0 0
Capital One Finl Corp COMMON STOCK 14040H105 2,401 27,291 SH   SOLE   27,291 0 0
Chevron Corp COMMON STOCK 166764100 1,560 16,169 SH   SOLE   16,169 0 0
Cimarex Energy Co COMMON STOCK 171798101 1,631 14,784 SH   SOLE   14,784 0 0
Cisco Systems COMMON STOCK 17275R102 263 9,575 SH   SOLE   9,575 0 0
Cntrl Fund of Canada Ltd COMMON STOCK 153501101 924 79,286 SH   SOLE   79,286 0 0
Coca Cola Co COMMON STOCK 191216100 534 13,602 SH   SOLE   13,602 0 0
Cognizant Tech Solutions Cl A COMMON STOCK 192446102 931 15,240 SH   SOLE   15,240 0 0
ConocoPhillips COMMON STOCK 20825c104 1,517 24,710 SH   SOLE   24,710 0 0
CVS Health Corp COMMON STOCK 126650100 2,688 25,633 SH   SOLE   25,633 0 0
Deere & Co COMMON STOCK 244199105 499 5,145 SH   SOLE   5,145 0 0
Diageo PLC New Spons ADR COMMON STOCK 25243q205 2,066 17,802 SH   SOLE   17,802 0 0
EMC Corp COMMON STOCK 268648102 1,733 65,651 SH   SOLE   65,651 0 0
Equifax Inc COMMON STOCK 294429105 1,527 15,730 SH   SOLE   15,730 0 0
Equity Residential COMMON STOCK 29476L107 1,347 19,192 SH   SOLE   19,192 0 0
Express Scripts Inc COMMON STOCK 30219G108 411 4,619 SH   SOLE   4,619 0 0
Exxon Mobil Corp COMMON STOCK 30231G102 2,679 32,204 SH   SOLE   32,204 0 0
Fastenal Company COMMON STOCK 311900104 1,057 25,050 SH   SOLE   25,050 0 0
FedEx Corporation COMMON STOCK 31428x106 926 5,433 SH   SOLE   5,433 0 0
First Midwest Bancorp COMMON STOCK 320867104 377 19,895 SH   SOLE   19,895 0 0
Ford Motor Co COMMON STOCK 345370860 852 56,742 SH   SOLE   56,742 0 0
General Electric Co COMMON STOCK 369604103 2,953 111,144 SH   SOLE   111,144 0 0
Google Inc CL A COMMON STOCK 38259P508 781 1,446 SH   SOLE   1,446 0 0
Google Inc CL C COMMON STOCK 38259P706 468 899 SH   SOLE   899 0 0
Halliburton Company COMMON STOCK 406216101 228 5,290 SH   SOLE   5,290 0 0
Home Depot Inc COMMON STOCK 437076102 1,728 15,548 SH   SOLE   15,548 0 0
HSBC Holdings PLC Spon ADR New COMMON STOCK 404280406 1,269 28,326 SH   SOLE   28,326 0 0
Humana Inc COMMON STOCK 444859102 2,603 13,610 SH   SOLE   13,610 0 0
Huntsman Corp Com COMMON STOCK 447011107 471 21,360 SH   SOLE   21,360 0 0
Intel Corp COMMON STOCK 458140100 791 26,010 SH   SOLE   26,010 0 0
Invesco Limited COMMON STOCK G491BT108 699 18,650 SH   SOLE   18,650 0 0
iShares Barclays 1-3 Yr Treas COMMON STOCK 464287457 13,633 160,649 SH   SOLE   158,349 0 2,300
iShares Barclays 7-10 Yr Treas COMMON STOCK 464287440 574 5,467 SH   SOLE   5,067 0 400
iShares Barclays Tips Bond Ind COMMON STOCK 464287176 2,639 23,548 SH   SOLE   23,498 0 50
iShares Core U.S. Value ETF COMMON STOCK 464287663 1,746 12,950 SH   SOLE   12,950 0 0
iShares Currency Hedged MSCI E COMMON STOCK 46434V803 1,752 64,150 SH   SOLE   63,950 0 200
iShares GS Natl Resource Index COMMON STOCK 464287374 2,059 56,745 SH   SOLE   56,745 0 0
iShares MSCI ACWI Index COMMON STOCK 464288257 2,307 38,806 SH   SOLE   38,806 0 0
iShares MSCI Emerging Mkts Ind COMMON STOCK 464287234 375 9,455 SH   SOLE   9,455 0 0
iShares Russell Midcap Value I COMMON STOCK 464287473 461 6,255 SH   SOLE   6,255 0 0
iShares S&P National AMT-Free COMMON STOCK 464288414 363 3,350 SH   SOLE   2,900 0 450
iShares Select Dividend ETF COMMON STOCK 464287168 3,154 41,971 SH   SOLE   41,971 0 0
J P Morgan Chase & Co COMMON STOCK 46625H100 2,664 39,322 SH   SOLE   39,322 0 0
Lazard LTD COMMON STOCK G54050102 1,345 23,922 SH   SOLE   23,922 0 0
Leggett & Platt Inc Com COMMON STOCK 524660107 218 4,470 SH   SOLE   4,470 0 0
Lockheed Martin Corp COMMON STOCK 539830109 862 4,637 SH   SOLE   4,637 0 0
Lowes Cos Inc COMMON STOCK 548661107 332 4,955 SH   SOLE   4,955 0 0
Mallinckrodt PLC COMMON STOCK G5785G107 324 2,755 SH   SOLE   2,755 0 0
MasterCard Inc COMMON STOCK 57636Q104 1,938 20,731 SH   SOLE   20,731 0 0
McDonalds Corp COMMON STOCK 580135101 2,092 22,003 SH   SOLE   22,003 0 0
Medtronic plc COMMON STOCK G5960L103 665 8,973 SH   SOLE   8,973 0 0
Merck & Co COMMON STOCK 58933Y105 1,000 17,565 SH   SOLE   17,565 0 0
Microchip Technology Inc COMMON STOCK 595017104 852 17,972 SH   SOLE   17,972 0 0
Microsoft Corp COMMON STOCK 594918104 2,368 53,628 SH   SOLE   53,628 0 0
National Fuel Gas COMMON STOCK 636180101 1,289 21,883 SH   SOLE   21,883 0 0
NextEra Energy Inc COMMON STOCK 65339f101 2,842 28,993 SH   SOLE   28,993 0 0
NextEra Energy Partners, LP COMMON STOCK 65341B106 372 9,390 SH   SOLE   9,390 0 0
Novartis AG ADS COMMON STOCK 66987v109 2,377 24,176 SH   SOLE   24,176 0 0
PepsiCo Inc COMMON STOCK 713448108 1,407 15,074 SH   SOLE   15,074 0 0
Pfizer COMMON STOCK 717081103 1,443 43,040 SH   SOLE   43,040 0 0
Phillips 66 COMMON STOCK 718546104 838 10,401 SH   SOLE   10,401 0 0
PowerShares DB US Dollar Index COMMON STOCK 73936D107 2,645 105,660 SH   SOLE   105,660 0 0
Praxair Inc COMMON STOCK 74005P104 569 4,757 SH   SOLE   4,757 0 0
Procter & Gamble Co COMMON STOCK 742718109 866 11,068 SH   SOLE   11,068 0 0
ProShares Short ETF 20+ Yr Tre COMMON STOCK 74347X849 4,667 177,911 SH   SOLE   176,911 0 1,000
Qualcomm Inc COMMON STOCK 747525103 1,309 20,898 SH   SOLE   20,898 0 0
Rayonier Inc COMMON STOCK 754907103 834 32,645 SH   SOLE   32,645 0 0
Redwood Trust Inc COMMON STOCK 758075402 917 58,393 SH   SOLE   58,393 0 0
Rockwell Collins COMMON STOCK 774341101 678 7,344 SH   SOLE   7,344 0 0
Ross Stores COMMON STOCK 778296103 568 11,690 SH   SOLE   11,690 0 0
S & P Depository Receipts SPDR COMMON STOCK 78462f103 12,525 60,847 SH   SOLE   60,472 0 375
Schlumberger Ltd COMMON STOCK 806857108 940 10,904 SH   SOLE   10,904 0 0
Short S&P 500 ProShares ETF COMMON STOCK 74347R503 3,159 148,055 SH   SOLE   148,055 0 0
SPDR Dow Jones Global Real Est COMMON STOCK 78463X749 438 9,555 SH   SOLE   9,555 0 0
Starwood Htls&Resort PC COMMON STOCK 85590a401 1,094 13,494 SH   SOLE   13,494 0 0
Target Corporation COMMON STOCK 87612E106 484 5,935 SH   SOLE   5,935 0 0
The Walt Disney Company COMMON STOCK 254687106 3,232 28,317 SH   SOLE   28,317 0 0
Towers Watson COMMON STOCK 891894107 647 5,145 SH   SOLE   5,145 0 0
Vang. Sht Term Bd. Fund COMMON STOCK 921937827 6,534 81,478 SH   SOLE   80,743 0 735
Vanguard High Div Yield ETF COMMON STOCK 921946406 2,943 43,710 SH   SOLE   43,710 0 0
Verizon Communications COMMON STOCK 92343v104 1,188 25,492 SH   SOLE   25,492 0 0
Vodafone Group PLC COMMON STOCK 92857W308 1,591 43,647 SH   SOLE   43,647 0 0
Voya Prime Rate Trust Sh Ben I COMMON STOCK 92913a100 128 24,315 SH   SOLE   24,315 0 0
Wal-Mart Stores COMMON STOCK 931142103 1,091 15,388 SH   SOLE   15,388 0 0
Wells Fargo & Co COMMON STOCK 949746101 2,587 46,004 SH   SOLE   46,004 0 0
Western Gas Partners LP COMMON STOCK 958254104 1,059 16,714 SH   SOLE   16,714 0 0
WT Europe Hedged Equity ETF COMMON STOCK 97717X701 5,497 89,252 SH   SOLE   89,152 0 100