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
APPLE INC COM 037833100 3,039 32,703 SH   SOLE   952 0 31,751
ABBVIE INC COM 00287Y109 2,606 46,181 SH   SOLE   2,535 0 43,646
ABBOTT LABS COM 002824100 1,028 25,145 SH   SOLE   1,075 0 24,070
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,033 25,148 SH   SOLE   500 0 24,648
ANALOG DEVICES INC COM 032654105 1,715 31,721 SH   SOLE   1,185 0 30,536
ARCHER DANIELS MIDLAND CO COM 039483102 556 12,605 SH   SOLE   100 0 12,505
AUTOMATIC DATA PROCESSING IN COM 053015103 323 4,075 SH   SOLE   1,300 0 2,775
AETNA INC NEW COM 00817Y108 897 11,062 SH   SOLE   100 0 10,962
AFLAC INC COM 001055102 3,266 52,462 SH   SOLE   2,685 0 49,777
APPLIED MATLS INC COM 038222105 2,768 122,751 SH   SOLE   2,350 0 120,401
AMGEN INC COM 031162100 952 8,045 SH   SOLE   1,560 0 6,485
ALPS ETF TR ALERIAN MLP 00162Q866 1,113 58,599 SH   SOLE   4,095 0 54,504
AMERIPRISE FINL INC COM 03076C106 1,159 9,661 SH   SOLE   0 0 9,661
AMERICAN TOWER CORP NEW COM 03027X100 243 2,700 SH   SOLE   0 0 2,700
AMERICAN STS WTR CO COM 029899101 230 6,925 SH   SOLE   70 0 6,855
AMERICAN EXPRESS CO COM 025816109 356 3,755 SH   SOLE   25 0 3,730
BOEING CO COM 097023105 626 4,917 SH   SOLE   50 0 4,867
BAXTER INTL INC COM 071813109 1,196 16,538 SH   SOLE   155 0 16,383
BED BATH & BEYOND INC COM 075896100 270 4,700 SH   SOLE   600 0 4,100
BECTON DICKINSON & CO COM 075887109 2,250 19,023 SH   SOLE   950 0 18,073
BAKER HUGHES INC COM 057224107 449 6,030 SH   SOLE   500 0 5,530
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 19,523 784,991 SH   SOLE   35,920 0 749,071
BLACKROCK INC COM 09247X101 4,552 14,243 SH   SOLE   680 0 13,563
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 439 10,544 SH   SOLE   1,025 0 9,519
CA INC COM 12673P105 1,891 65,796 SH   SOLE   1,970 0 63,826
CATERPILLAR INC DEL COM 149123101 1,082 9,955 SH   SOLE   475 0 9,480
CHUBB CORP COM 171232101 1,543 16,740 SH   SOLE   775 0 15,965
CELGENE CORP COM 151020104 402 4,680 SH   SOLE   350 0 4,330
CERNER CORP COM 156782104 443 8,595 SH   SOLE   850 0 7,745
COLGATE PALMOLIVE CO COM 194162103 1,719 25,220 SH   SOLE   8,500 0 16,720
CONOCOPHILLIPS COM 20825C104 1,796 20,944 SH   SOLE   225 0 20,719
COSTCO WHSL CORP NEW COM 22160K105 263 2,281 SH   SOLE   75 0 2,206
COVIDIEN PLC SHS G2554F113 334 3,706 SH   SOLE   295 0 3,411
CISCO SYS INC COM 17275R102 3,226 129,811 SH   SOLE   4,775 0 125,036
CSX CORP COM 126408103 1,182 38,352 SH   SOLE   1,525 0 36,827
CVS CAREMARK CORPORATION COM 126650100 2,059 27,313 SH   SOLE   2,600 0 24,713
CHEVRON CORP NEW COM 166764100 4,162 31,883 SH   SOLE   1,313 0 30,570
DU PONT E I DE NEMOURS & CO COM 263534109 1,590 24,296 SH   SOLE   625 0 23,671
DEERE & CO COM 244199105 495 5,470 SH   SOLE   110 0 5,360
DIAGEO P L C SPON ADR NEW 25243Q205 1,535 12,059 SH   SOLE   455 0 11,604
D R HORTON INC COM 23331A109 447 18,168 SH   SOLE   400 0 17,768
DISNEY WALT CO COM DISNEY 254687106 4,252 49,590 SH   SOLE   2,285 0 47,305
DARDEN RESTAURANTS INC COM 237194105 320 6,907 SH   SOLE   0 0 6,907
DIRECTV COM 25490A309 454 5,336 SH   SOLE   0 0 5,336
ISHARES MSCI EAFE ETF 464287465 2,761 40,384 SH   SOLE   75 0 40,309
E M C CORP MASS COM 268648102 2,045 77,652 SH   SOLE   1,860 0 75,792
EMERSON ELEC CO COM 291011104 1,383 20,835 SH   SOLE   1,840 0 18,995
EXPRESS SCRIPTS HLDG CO COM 30219G108 239 3,450 SH   SOLE   170 0 3,280
FORD MTR CO DEL COM PAR $0.01 345370860 961 55,741 SH   SOLE   1,980 0 53,761
FOOT LOCKER INC COM 344849104 839 16,536 SH   SOLE   1,050 0 15,486
ISHARES TR FLTG RATE BD ETF 46429B655 6,981 137,418 SH   SOLE   4,715 0 132,703
FLUOR CORP NEW COM 343412102 998 12,973 SH   SOLE   385 0 12,588
GENERAL DYNAMICS CORP COM 369550108 383 3,285 SH   SOLE   500 0 2,785
GENERAL ELECTRIC CO COM 369604103 3,535 134,516 SH   SOLE   3,005 0 131,511
GILEAD SCIENCES INC COM 375558103 547 6,603 SH   SOLE   0 0 6,603
GENERAL MLS INC COM 370334104 550 10,470 SH   SOLE   2,280 0 8,190
CORNING INC COM 219350105 954 43,452 SH   SOLE   500 0 42,952
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 624 11,677 SH   SOLE   340 0 11,337
CLAYMORE EXCHANGE TRD FD TR GUGG ENH SHT DUR 18383M654 10,167 202,040 SH   SOLE   4,227 0 197,813
HEALTH CARE REIT INC COM 42217K106 2,311 36,869 SH   SOLE   1,785 0 35,084
HOME DEPOT INC COM 437076102 1,524 18,827 SH   SOLE   525 0 18,302
HOME PROPERTIES INC COM 437306103 761 11,894 SH   SOLE   100 0 11,794
HONEYWELL INTL INC COM 438516106 762 8,200 SH   SOLE   825 0 7,375
INTERNATIONAL BUSINESS MACHS COM 459200101 3,432 18,934 SH   SOLE   1,305 0 17,629
ISHARES CORE S&P MCP ETF 464287507 1,665 11,639 SH   SOLE   190 0 11,449
ISHARES CORE S&P SCP ETF 464287804 3,408 30,402 SH   SOLE   190 0 30,212
INTEL CORP COM 458140100 3,722 120,451 SH   SOLE   5,385 0 115,066
INTL PAPER CO COM 460146103 1,144 22,661 SH   SOLE   110 0 22,551
ISHARES CORE S&P500 ETF 464287200 1,896 9,623 SH   SOLE   0 0 9,623
INVESCO LTD SHS G491BT108 658 17,420 SH   SOLE   350 0 17,070
ISHARES RUS 1000 ETF 464287622 443 4,024 SH   SOLE   0 0 4,024
ISHARES RUSSELL 2000 ETF 464287655 592 4,981 SH   SOLE   0 0 4,981
JACOBS ENGR GROUP INC DEL COM 469814107 547 10,270 SH   SOLE   0 0 10,270
JOHNSON & JOHNSON COM 478160104 4,119 39,374 SH   SOLE   2,695 0 36,679
JPMORGAN CHASE & CO COM 46625H100 3,123 54,197 SH   SOLE   3,645 0 50,552
KIMBERLY CLARK CORP COM 494368103 1,299 11,678 SH   SOLE   550 0 11,128
COCA COLA CO COM 191216100 2,967 70,037 SH   SOLE   1,255 0 68,782
KROGER CO COM 501044101 2,909 58,854 SH   SOLE   980 0 57,874
KRAFT FOODS GROUP INC COM 50076Q106 339 5,659 SH   SOLE   0 0 5,659
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,273 12,435 SH   SOLE   235 0 12,200
LILLY ELI & CO COM 532457108 793 12,762 SH   SOLE   150 0 12,612
LOCKHEED MARTIN CORP COM 539830109 1,039 6,463 SH   SOLE   200 0 6,263
LOWES COS INC COM 548661107 230 4,800 SH   SOLE   2,800 0 2,000
MATTEL INC COM 577081102 1,421 36,461 SH   SOLE   1,375 0 35,086
MCDONALDS CORP COM 580135101 2,378 23,607 SH   SOLE   1,020 0 22,587
MCKESSON CORP COM 58155Q103 1,412 7,582 SH   SOLE   100 0 7,482
MEDTRONIC INC COM 585055106 1,726 27,069 SH   SOLE   425 0 26,644
METHANEX CORP COM 59151K108 207 3,356 SH   SOLE   0 0 3,356
METLIFE INC COM 59156R108 564 10,148 SH   SOLE   0 0 10,148
PIMCO ETF TR ENHAN SHRT MAT 72201R833 4,993 49,239 SH   SOLE   1,175 0 48,064
MCCORMICK & CO INC COM NON VTG 579780206 599 8,370 SH   SOLE   550 0 7,820
3M CO COM 88579Y101 1,764 12,316 SH   SOLE   720 0 11,596
MONSANTO CO NEW COM 61166W101 472 3,784 SH   SOLE   50 0 3,734
MRC GLOBAL INC COM 55345K103 474 16,745 SH   SOLE   0 0 16,745
MERCK & CO INC NEW COM 58933Y105 1,389 24,014 SH   SOLE   1,336 0 22,678
MORGAN STANLEY COM NEW 617446448 221 6,845 SH   SOLE   245 0 6,600
MICROSOFT CORP COM 594918104 2,870 68,815 SH   SOLE   2,715 0 66,100
NB & T FINL GROUP INC COM 62874M104 261 13,028 SH   SOLE   0 0 13,028
NEXTERA ENERGY INC COM 65339F101 1,789 17,457 SH   SOLE   1,075 0 16,382
NATIONAL GRID PLC SPON ADR NEW 636274300 791 10,629 SH   SOLE   0 0 10,629
NIKE INC CL B 654106103 1,646 21,231 SH   SOLE   650 0 20,581
NORFOLK SOUTHERN CORP COM 655844108 773 7,505 SH   SOLE   385 0 7,120
NORTHERN TR CORP COM 665859104 323 5,035 SH   SOLE   100 0 4,935
NOVARTIS A G SPONSORED ADR 66987V109 936 10,341 SH   SOLE   700 0 9,641
REALTY INCOME CORP COM 756109104 267 6,008 SH   SOLE   1,540 0 4,468
OLIN CORP COM PAR $1 680665205 412 15,288 SH   SOLE   985 0 14,303
OMNICOM GROUP INC COM 681919106 1,145 16,075 SH   SOLE   525 0 15,550
ORACLE CORP COM 68389X105 3,609 89,041 SH   SOLE   4,325 0 84,716
OCCIDENTAL PETE CORP DEL COM 674599105 1,178 11,478 SH   SOLE   950 0 10,528
PAYCHEX INC COM 704326107 558 13,427 SH   SOLE   350 0 13,077
PUBLIC SVC ENTERPRISE GROUP COM 744573106 1,327 32,540 SH   SOLE   400 0 32,140
PEPSICO INC COM 713448108 1,677 18,775 SH   SOLE   1,815 0 16,960
PETSMART INC COM 716768106 803 13,428 SH   SOLE   350 0 13,078
PFIZER INC COM 717081103 1,010 34,039 SH   SOLE   1,490 0 32,549
PROCTER & GAMBLE CO COM 742718109 3,729 47,453 SH   SOLE   3,360 0 44,093
PARKER HANNIFIN CORP COM 701094104 1,137 9,041 SH   SOLE   0 0 9,041
PNC FINL SVCS GROUP INC COM 693475105 387 4,344 SH   SOLE   602 0 3,742
PPL CORP COM 69351T106 1,132 31,862 SH   SOLE   585 0 31,277
PRUDENTIAL FINL INC COM 744320102 361 4,069 SH   SOLE   0 0 4,069
PHILLIPS 66 COM 718546104 1,583 19,685 SH   SOLE   200 0 19,485
QUALCOMM INC COM 747525103 2,553 32,232 SH   SOLE   1,990 0 30,242
RYDER SYS INC COM 783549108 915 10,386 SH   SOLE   75 0 10,311
ROGERS COMMUNICATIONS INC CL B 775109200 777 19,295 SH   SOLE   490 0 18,805
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,888 22,926 SH   SOLE   640 0 22,286
RAYTHEON CO COM NEW 755111507 1,445 15,663 SH   SOLE   275 0 15,388
REVENUESHARES ETF TR SMALL CAP FD 761396308 2,101 37,321 SH   SOLE   1,097 0 36,224
REVENUESHARES ETF TR MID CAP FD 761396209 2,410 50,479 SH   SOLE   1,792 0 48,687
REVENUESHARES ETF TR LARGECAP FD 761396100 1,518 39,311 SH   SOLE   1,379 0 37,932
STARBUCKS CORP COM 855244109 1,009 13,043 SH   SOLE   85 0 12,958
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 214 3,910 SH   SOLE   240 0 3,670
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,465 93,576 SH   SOLE   8,600 0 84,976
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,703 70,622 SH   SOLE   5,236 0 65,386
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 393 15,088 SH   SOLE   1,545 0 13,543
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,609 109,419 SH   SOLE   9,120 0 100,299
SPECTRA ENERGY CORP COM 847560109 3,201 75,356 SH   SOLE   1,785 0 73,571
SMUCKER J M CO COM NEW 832696405 680 6,382 SH   SOLE   0 0 6,382
SPDR SER TR SHT TRM HGH YLD 78468R408 19,741 637,614 SH   SOLE   23,503 0 614,111
SCHLUMBERGER LTD COM 806857108 1,593 13,503 SH   SOLE   620 0 12,883
STERICYCLE INC COM 858912108 342 2,885 SH   SOLE   80 0 2,805
STRYKER CORP COM 863667101 1,475 17,493 SH   SOLE   225 0 17,268
SYSCO CORP COM 871829107 1,090 29,097 SH   SOLE   275 0 28,822
AT&T INC COM 00206R102 2,255 63,767 SH   SOLE   3,219 0 60,548
TORONTO DOMINION BK ONT COM NEW 891160509 1,424 27,707 SH   SOLE   550 0 27,157
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 348 6,640 SH   SOLE   75 0 6,565
TARGET CORP COM 87612E106 240 4,144 SH   SOLE   125 0 4,019
TJX COS INC NEW COM 872540109 213 4,000 SH   SOLE   225 0 3,775
TOTAL S A SPONSORED ADR 89151E109 778 10,775 SH   SOLE   0 0 10,775
TRANSCANADA CORP COM 89353D107 568 11,895 SH   SOLE   295 0 11,600
TRAVELERS COMPANIES INC COM 89417E109 1,097 11,661 SH   SOLE   825 0 10,836
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 732 34,220 SH   SOLE   2,200 0 32,020
TIME WARNER INC COM NEW 887317303 1,075 15,301 SH   SOLE   523 0 14,778
TEXAS INSTRS INC COM 882508104 1,192 24,940 SH   SOLE   1,125 0 23,815
UNITEDHEALTH GROUP INC COM 91324P102 289 3,536 SH   SOLE   210 0 3,326
UNITED PARCEL SERVICE INC CL B 911312106 1,826 17,787 SH   SOLE   505 0 17,282
US BANCORP DEL COM NEW 902973304 2,252 51,975 SH   SOLE   2,125 0 49,850
UNITED THERAPEUTICS CORP DEL COM 91307C102 234 2,640 SH   SOLE   0 0 2,640
UNITED TECHNOLOGIES CORP COM 913017109 1,673 14,488 SH   SOLE   1,910 0 12,578
VISA INC COM CL A 92826C839 2,146 10,186 SH   SOLE   190 0 9,996
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,865 48,088 SH   SOLE   1,015 0 47,073
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,514 124,575 SH   SOLE   3,006 0 121,569
VIACOM INC NEW CL B 92553P201 654 7,544 SH   SOLE   485 0 7,059
VANGUARD INDEX FDS REIT ETF 922908553 252 3,370 SH   SOLE   0 0 3,370
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,782 135,423 SH   SOLE   125 0 135,298
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,278 99,188 SH   SOLE   1,770 0 97,418
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,286 19,395 SH   SOLE   659 0 18,736
VERIZON COMMUNICATIONS INC COM 92343V104 2,777 56,754 SH   SOLE   1,900 0 54,854
WATERS CORP COM 941848103 208 1,992 SH   SOLE   0 0 1,992
WELLS FARGO & CO NEW COM 949746101 1,278 24,322 SH   SOLE   1,536 0 22,786
WASTE MGMT INC DEL COM 94106L109 1,476 32,988 SH   SOLE   1,775 0 31,213
WESTERN UN CO COM 959802109 1,400 80,745 SH   SOLE   2,720 0 78,025
EXXON MOBIL CORP COM 30231G102 3,424 34,012 SH   SOLE   2,830 0 31,182
XEROX CORP COM 984121103 163 13,135 SH   SOLE   0 0 13,135
ZIMMER HLDGS INC COM 98956P102 1,215 11,700 SH   SOLE   410 0 11,290