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
PowerShares FTSE RAFI US 1000 COM 73935X583 12,974 146,693 SH   SOLE 66,810 0 79,883
Navient Corporation COM 63938C108 2,395 135,225 SH   SOLE 65,490 0 69,735
Bank of America COM 060505104 2,044 132,978 SH   SOLE 63,758 0 69,220
Annaly Capital Management COM 035710409 1,131 98,911 SH   SOLE 46,806 0 52,105
Voya Financial Inc. COM 929089100 3,305 90,935 SH   SOLE 42,895 0 48,040
General Electric COM 369604103 2,218 84,383 SH   SOLE 40,890 0 43,493
Vanguard MSCI Emerging Markets COM 922042858 3,259 75,565 SH   SOLE 33,940 0 41,625
WisdomTree Total Dividend COM 97717W109 5,235 73,180 SH   SOLE 33,395 0 39,785
Pfizer COM 717081103 2,064 69,550 SH   SOLE 33,577 0 35,973
Agnico Eagle Mines Ltd COM 008474108 2,626 68,555 SH   SOLE 33,269 0 35,286
Expeditors Intl of Washington COM 302130109 2,821 63,880 SH   SOLE 30,415 0 33,465
Barrick Gold Corp COM 067901108 1,082 59,141 SH   SOLE 28,658 0 30,483
Vanguard Total Stock Market COM 922908769 5,929 58,258 SH   SOLE 27,723 0 30,535
WisdomTree Emerging Mkts SmallCap Div. COM 97717W281 2,613 54,470 SH   SOLE 19,590 0 34,880
Rayonier COM 754907103 1,658 46,635 SH   SOLE 22,490 0 24,145
WisdomTree Japan Hedged Equity COM 97717W851 2,184 44,250 SH   SOLE 19,285 0 24,965
Qualcomm Inc. COM 747525103 3,451 43,567 SH   SOLE 21,192 0 22,375
Apple Inc. COM 037833100 3,976 42,786 SH   SOLE 20,231 0 22,555
Vanguard FTSE All-World ex-US COM 922042775 2,202 42,116 SH   SOLE 18,215 0 23,901
iShares Core MSCI Emerging Markets COM 46434G103 2,034 39,347 SH   SOLE 17,857 0 21,490
Walgreens COM 931422109 2,730 36,828 SH   SOLE 17,619 0 19,209
Verisk Analytics Inc COM 92345Y106 2,160 35,989 SH   SOLE 17,263 0 18,726
Coca Cola COM 191216100 1,492 35,227 SH   SOLE 17,794 0 17,433
Check Point Software Technologies Ltd COM M22465104 2,330 34,760 SH   SOLE 16,793 0 17,967
Vanguard Mid-Cap ETF COM 922908629 4,087 34,440 SH   SOLE 14,240 0 20,200
Total SA COM 89151E109 2,451 33,950 SH   SOLE 16,003 0 17,947
Berkshire Hathaway Cl B COM 084670207 3,850 30,421 SH   SOLE 14,505 0 15,916
Disney (Walt) COM 254687106 2,554 29,784 SH   SOLE 14,057 0 15,727
Novartis AG COM 66987V109 2,472 27,311 SH   SOLE 13,165 0 14,146
MasterCard Inc COM 57636Q104 1,999 27,203 SH   SOLE 13,196 0 14,007
PNC Financial Services Group COM 693475105 2,359 26,491 SH   SOLE 12,579 0 13,912
Valeant Pharmaceuticals COM 91911K102 3,315 26,286 SH   SOLE 12,739 0 13,547
Pepsico COM 713448108 2,331 26,088 SH   SOLE 12,337 0 13,751
Exxon Mobil COM 30231G102 2,584 25,663 SH   SOLE 14,552 0 11,111
Norfolk Southern Corp. COM 655844108 2,532 24,573 SH   SOLE 11,501 0 13,072
Schlumberger Ltd COM 806857108 2,858 24,228 SH   SOLE 11,411 0 12,817
United Parcel Service COM 911312106 2,399 23,366 SH   SOLE 11,117 0 12,249
McDonalds COM 580135101 2,069 20,535 SH   SOLE 9,874 0 10,661
Cerner Corporation COM 156782104 1,050 20,354 SH   SOLE 9,663 0 10,691
Vanguard FTSE All-World ex-US Small-Cap ETF COM 922042718 2,234 20,101 SH   SOLE 8,778 0 11,323
Costco Wholesale COM 22160K105 2,058 17,875 SH   SOLE 8,664 0 9,211
PowerShares FTSE RAFI Emerging Market COM 73936T763 360 16,875 SH   SOLE 1,180 0 15,695
Rayonier Advanced Materials Inc COM 75508B104 591 15,259 SH   SOLE 7,262 0 7,997
Automatic Data Processing, Inc COM 53015103 1,148 14,485 SH   SOLE 6,845 0 7,640
Goldman Sachs COM 38141G104 2,087 12,463 SH   SOLE 5,968 0 6,495
Johnson & Johnson COM 478160104 1,271 12,149 SH   SOLE 6,135 0 6,014
Visa, Inc. COM 92826C839 2,113 10,027 SH   SOLE 4,693 0 5,334