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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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
A T & T COM 00206R102 1,663 46,825 SH   SOLE   46,825 0 0
AbbVie Inc. COM 00287Y109 1,634 24,315 SH   SOLE   24,315 0 0
Apple Inc. COM 037833100 2,771 22,091 SH   SOLE   22,091 0 0
BCE, Inc. COM 05534B760 1,583 37,245 SH   SOLE   37,245 0 0
Bank of America Corporation COM 060505104 1,843 108,275 SH   SOLE   108,275 0 0
Chevron Corp. COM 166764100 1,834 19,015 SH   SOLE   19,015 0 0
Cisco Systems, Inc. COM 17275R102 1,656 60,295 SH   SOLE   60,295 0 0
Coca-Cola COM 191216100 1,982 50,515 SH   SOLE   50,515 0 0
ConocoPhillips COM 20825C104 1,621 26,400 SH   SOLE   26,400 0 0
Dow Chemical Co. COM 260543103 1,987 38,830 SH   SOLE   38,830 0 0
EMC Corporation COM 268648102 2,013 76,270 SH   SOLE   76,270 0 0
Financial Select Sector SPDR F COM 81369Y605 7,226 296,380 SH   SOLE   296,380 0 0
Ford Motor Co. COM 345370860 1,400 93,295 SH   SOLE   93,295 0 0
General Electric COM 369604103 3,075 115,740 SH   SOLE   115,740 0 0
Intel Corp. COM 458140100 1,574 51,745 SH   SOLE   51,745 0 0
Johnson & Johnson COM 478160104 1,671 17,145 SH   SOLE   17,145 0 0
Merck & Co. Inc. COM 58933y105 1,619 28,445 SH   SOLE   28,445 0 0
Metlife COM 59156R108 1,707 30,480 SH   SOLE   30,480 0 0
Microsoft Corp. COM 594918104 1,674 37,925 SH   SOLE   37,925 0 0
Occidental Petroleum Corporati COM 674599105 2,017 25,932 SH   SOLE   25,932 0 0
Pfizer Inc. COM 717081103 2,041 60,870 SH   SOLE   60,870 0 0
Procter & Gamble Co. COM 742718109 2,369 30,275 SH   SOLE   30,275 0 0
Prudential Financial, Inc COM 744320102 1,800 20,565 SH   SOLE   20,565 0 0
Starbucks Corp. COM 855244109 2,003 37,355 SH   SOLE   37,355 0 0
T. Rowe Price Group, Inc. COM 74144T108 1,601 20,600 SH   SOLE   20,600 0 0
VeriFone Systems, Inc. COM 92342Y109 1,741 51,255 SH   SOLE   51,255 0 0
Wal-Mart Stores Inc. COM 931142103 2,734 38,550 SH   SOLE   38,550 0 0
iShares Dow Jones Select Divid COM 464287168 6,663 88,665 SH   SOLE   88,665 0 0
iShares NASDAQ Biotechnology COM 464287556 2,591 7,022 SH   SOLE   7,022 0 0
iShares Russell 2000 Index COM 464287655 693 5,550 SH   SOLE   5,550 0 0
iShares MSCI ACWI ex US Index COM 464288240 543 12,300 SH   SOLE   12,300 0 0
iShares S&P Europe 350 Index COM 464287861 310 7,100 SH   SOLE   7,100 0 0
BlackRock Build America Bond T COM 09248X100 4,515 227,240 SH   SOLE   227,240 0 0
Guggenheim Multi-Asset Income COM 18383M506 9,644 459,260 SH   SOLE   459,260 0 0
Utilities Select Sector SPDR F COM 81369Y886 4,184 100,920 SH   SOLE   100,920 0 0
iShares International Select D COM 464288448 5,562 172,050 SH   SOLE   172,050 0 0
iShares U.S. Preferred Stock I COM 464288687 3,412 87,100 SH   SOLE   87,100 0 0
iShares Barclays 20+ Year T-Bo ETF 464287432 7,910 67,343 SH   SOLE   67,343 0 0
iShares iBoxx Investment Grade ETF 464287242 10,852 93,775 SH   SOLE   93,775 0 0