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
A T & T COM 00206R102 2,415 67,755 SH   SOLE   67,755 0 0
Abbott Laboratories COM 002824100 1,769 29,523 SH   SOLE   29,523 0 0
Alphabet Inc. Class A Shares COM 02079K305 2,925 2,820 SH   SOLE   2,820 0 0
Apple Inc. COM 037833100 2,513 14,978 SH   SOLE   14,978 0 0
Bank of America Corporation COM 060505104 1,873 62,440 SH   SOLE   62,440 0 0
Broadcom Inc. COM 11135F101 2,369 10,055 SH   SOLE   10,055 0 0
Chevron Corp. COM 166764100 2,921 25,610 SH   SOLE   25,610 0 0
Cisco Systems, Inc. COM 17275R102 2,656 61,930 SH   SOLE   61,930 0 0
Coca-Cola COM 191216100 1,622 37,345 SH   SOLE   37,345 0 0
Emerson Electric Co. COM 291011104 1,835 26,865 SH   SOLE   26,865 0 0
Exxon Mobil Corp. COM 30231G102 2,498 33,480 SH   SOLE   33,480 0 0
Financial Select Sector SPDR F COM 81369Y605 5,545 201,125 SH   SOLE   201,125 0 0
Freeport-McMoRan Copper & Gold COM 35671D857 1,633 92,960 SH   SOLE   92,960 0 0
Intel Corp. COM 458140100 2,066 39,665 SH   SOLE   39,665 0 0
Johnson & Johnson COM 478160104 1,486 11,592 SH   SOLE   11,592 0 0
Key Corp. COM 493267108 1,611 82,415 SH   SOLE   82,415 0 0
Market Vectors Gold Miners COM 92189F106 2,707 123,170 SH   SOLE   123,170 0 0
Merck & Co. Inc. COM 58933y105 2,480 45,535 SH   SOLE   45,535 0 0
Microsoft Corp. COM 594918104 2,084 22,830 SH   SOLE   22,830 0 0
Oracle Corp. COM 68389X105 1,556 34,010 SH   SOLE   34,010 0 0
Procter & Gamble Co. COM 742718109 1,819 22,947 SH   SOLE   22,947 0 0
iShares Dow Jones Select Divid COM 464287168 6,246 65,660 SH   SOLE   65,660 0 0
Walmart Stores COM 931142103 318 3,573 SH   SOLE   3,573 0 0
iShares MSCI ACWI ex US Index COM 464288240 700 14,090 SH   SOLE   14,090 0 0
iShares S&P Europe 350 Index COM 464287861 263 5,650 SH   SOLE   5,650 0 0
BlackRock Build America Bond T COM 09248X100 4,964 220,430 SH   SOLE   220,430 0 0
Powershares Multi-Asset Income COM 739371706 5,776 268,890 SH   SOLE   268,890 0 0
Utilities Select Sector SPDR F COM 81369Y886 3,910 77,375 SH   SOLE   77,375 0 0
iShares U.S. Preferred Stock I COM 464288687 4,458 118,690 SH   SOLE   118,690 0 0
Vanguard Total Bond Market ETF ETF 921937835 2,925 36,590 SH   SOLE   36,590 0 0
iShares iBoxx Investment Grade ETF 464287242 13,466 114,715 SH   SOLE   114,715 0 0