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
3M CO COM 88579Y101 262 1,931 SH   SOLE 1,931 0 0
ABBVIE INC COM 00287Y109 331 6,449 SH   SOLE 6,449 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,312 16,453 SH   SOLE 16,453 0 0
AFLAC INC COM 001055102 205 3,247 SH   SOLE 3,247 0 0
ALLEGHANY CORP DEL COM 017175100 306 751 SH   SOLE 751 0 0
ALTRIA GROUP INC COM 02209S103 329 8,795 SH   SOLE 8,795 0 0
AMAZON COM INC COM 023135106 399 1,185 SH   SOLE 1,185 0 0
AMERICAN EXPRESS CO COM 025816109 293 3,258 SH   SOLE 3,258 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 219 4,379 SH   SOLE 4,379 0 0
AMGEN INC COM 031162100 367 2,976 SH   SOLE 2,976 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 203 1,931 SH   SOLE 1,931 0 0
ANNALY CAP MGMT INC COM 035710409 113 10,316 SH   SOLE 10,316 0 0
APACHE CORP COM 037411105 764 9,206 SH   SOLE 9,206 0 0
APPLE INC COM 037833100 2,222 4,140 SH   SOLE 4,140 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 568 13,081 SH   SOLE 13,081 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 334 5,145 SH   SOLE 5,145 0 0
AT&T INC COM 00206R102 875 24,959 SH   SOLE 24,959 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 214 2,767 SH   SOLE 2,767 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 145 12,033 SH   SOLE 12,033 0 0
BANCO BRADESCO S A SP ADR PFD NEW 059460303 187 13,686 SH   SOLE 13,686 0 0
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107 73 13,106 SH   SOLE 13,106 0 0
BANK N S HALIFAX COM 064149107 216 3,720 SH   SOLE 3,720 0 0
BANK OF AMERICA CORPORATION COM 060505104 599 34,835 SH   SOLE 34,835 0 0
BAYTEX ENERGY CORP COM 07317Q105 291 7,084 SH   SOLE 7,084 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 348 2,784 SH   SOLE 2,784 0 0
BHP BILLITON LTD SPONSORED ADR 088606108 210 3,094 SH   SOLE 3,094 0 0
BHP BILLITON PLC SPONSORED ADR 05545E209 219 3,545 SH   SOLE 3,545 0 0
BIOGEN IDEC INC COM 09062X103 360 1,178 SH   SOLE 1,178 0 0
BLACKROCK INC COM 09247X101 233 740 SH   SOLE 740 0 0
BOEING CO COM 097023105 343 2,736 SH   SOLE 2,736 0 0
BP PLC SPONSORED ADR 055622104 348 7,229 SH   SOLE 7,229 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 449 8,643 SH   SOLE 8,643 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 256 2,295 SH   SOLE 2,295 0 0
CATERPILLAR INC DEL COM 149123101 448 4,511 SH   SOLE 4,511 0 0
CBS CORP NEW CL B 124857202 242 3,923 SH   SOLE 3,923 0 0
CELGENE CORP COM 151020104 207 1,480 SH   SOLE 1,480 0 0
CHEVRON CORP NEW COM 166764100 985 8,285 SH   SOLE 8,285 0 0
CHIMERA INVT CORP COM 16934Q109 66 21,565 SH   SOLE 21,565 0 0
CHINA MOBILE LIMITED SPONSORED ADR 16941M109 537 11,777 SH   SOLE 11,777 0 0
CISCO SYS INC COM 17275R102 674 30,077 SH   SOLE 30,077 0 0
CITIGROUP INC COM NEW 172967424 409 8,602 SH   SOLE 8,602 0 0
CNOOC LTD SPONSORED ADR 126132109 242 1,592 SH   SOLE 1,592 0 0
COCA COLA CO COM 191216100 1,794 46,402 SH   SOLE 46,402 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 230 4,551 SH   SOLE 4,551 0 0
COLGATE PALMOLIVE CO COM 194162103 232 3,569 SH   SOLE 3,569 0 0
COMCAST CORP NEW CL A 20030N101 395 7,901 SH   SOLE 7,901 0 0
COMPANHIA ENERGETICA DE MINA SP ADR N-V PFD 204409601 81 11,925 SH   SOLE 11,925 0 0
COMPANHIA SIDERURGICA NACION SPONSORED ADR 20440W105 52 11,953 SH   SOLE 11,953 0 0
CONOCOPHILLIPS COM 20825C104 478 6,789 SH   SOLE 6,789 0 0
CURRENCYSHS JAPANESE YEN TR JAPANESE YEN 23130A102 2,671 28,252 SH   SOLE 28,252 0 0
CVS CAREMARK CORPORATION COM 126650100 310 4,142 SH   SOLE 4,142 0 0
DANAHER CORP DEL COM 235851102 212 2,829 SH   SOLE 2,829 0 0
DEERE & CO COM 244199105 1,057 11,636 SH   SOLE 11,636 0 0
DIRECTV COM 25490A309 268 3,502 SH   SOLE 3,502 0 0
DISNEY WALT CO COM DISNEY 254687106 1,810 22,603 SH   SOLE 22,603 0 0
DOMINION RES INC VA NEW COM 25746U109 202 2,844 SH   SOLE 2,844 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 259 3,857 SH   SOLE 3,857 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 241 3,388 SH   SOLE 3,388 0 0
EBAY INC COM 278642103 292 5,289 SH   SOLE 5,289 0 0
EMERSON ELEC CO COM 291011104 252 3,775 SH   SOLE 3,775 0 0
ENI S P A SPONSORED ADR 26874R108 225 4,488 SH   SOLE 4,488 0 0
ERICSSON ADR B SEK 10 294821608 197 14,753 SH   SOLE 14,753 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 230 3,063 SH   SOLE 3,063 0 0
EXXON MOBIL CORP COM 30231G102 1,871 19,152 SH   SOLE 19,152 0 0
FEDEX CORP COM 31428X106 274 2,066 SH   SOLE 2,066 0 0
FELCOR LODGING TR INC COM 31430F101 183 20,200 SH   SOLE 20,200 0 0
FRONTIER COMMUNICATIONS CORP COM 35906A108 109 19,132 SH   SOLE 19,132 0 0
GENERAL ELECTRIC CO COM 369604103 1,335 51,578 SH   SOLE 51,578 0 0
GILEAD SCIENCES INC COM 375558103 474 6,688 SH   SOLE 6,688 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 948 17,745 SH   SOLE 17,745 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 273 1,668 SH   SOLE 1,668 0 0
GOOGLE INC CL A 38259P508 1,111 997 SH   SOLE 997 0 0
HALLIBURTON CO COM 406216101 222 3,777 SH   SOLE 3,777 0 0
HOME DEPOT INC COM 437076102 1,209 15,275 SH   SOLE 15,275 0 0
HONEYWELL INTL INC COM 438516106 299 3,221 SH   SOLE 3,221 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 356 6,996 SH   SOLE 6,996 0 0
ILLINOIS TOOL WKS INC COM 452308109 210 2,581 SH   SOLE 2,581 0 0
ING GROEP N V SPONSORED ADR 456837103 185 13,003 SH   SOLE 13,003 0 0
INTEL CORP COM 458140100 641 24,838 SH   SOLE 24,838 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,559 8,099 SH   SOLE 8,099 0 0
ISHARES EM MKT SM-CP ETF 464286475 1,881 38,897 SH   SOLE 38,897 0 0
ISHARES MSCI PAC JP ETF 464286665 241 5,015 SH   SOLE 5,015 0 0
ISHARES MSCI TAIWAN ETF 464286731 492 34,214 SH   SOLE 34,214 0 0
ISHARES MSCI STH KOR ETF 464286772 1,093 17,776 SH   SOLE 17,776 0 0
ISHARES MSCI EMG MKT ETF 464287234 8 60,300 SH Call SOLE 60,300 0 0
ISHARES MSCI EMG MKT ETF 464287234 25 85,500 SH Put SOLE 85,500 0 0
ISHARES MSCI EMG MKT ETF 464287234 2,719 66,289 SH   SOLE 66,289 0 0
ISHARES 20+ YR TR BD ETF 464287432 292 2,678 SH   SOLE 2,678 0 0
ISHARES 7-10 Y TR BD ETF 464287440 325 3,191 SH   SOLE 3,191 0 0
ISHARES 1-3 YR TR BD ETF 464287457 1,073 12,708 SH   SOLE 12,708 0 0
ISHARES MSCI EAFE ETF 464287465 2,015 29,982 SH   SOLE 29,982 0 0
ISHARES MSCI EAFE ETF 464287465 9 104,700 SH Call SOLE 104,700 0 0
ISHARES MSCI EAFE ETF 464287465 44 130,000 SH Put SOLE 130,000 0 0
ISHARES INTL TREA BD ETF 464288117 8,453 82,105 SH   SOLE 82,105 0 0
ISHARES AGENCY BOND ETF 464288166 492 4,413 SH   SOLE 4,413 0 0
ISHARES EAFE SML CP ETF 464288273 3,890 74,523 SH   SOLE 74,523 0 0
ISHARES JP MOR EM MK ETF 464288281 1,632 14,648 SH   SOLE 14,648 0 0
ISHARES MBS ETF 464288588 10,291 96,968 SH   SOLE 96,968 0 0
ISHARES CREDIT BD ETF 464288620 479 4,371 SH   SOLE 4,371 0 0
ISHARES 3-7 YR TR BD ETF 464288661 1,101 9,124 SH   SOLE 9,124 0 0
ISHARES EAFE VALUE ETF 464288877 3,850 66,877 SH   SOLE 66,877 0 0
ISHARES EAFE GRWTH ETF 464288885 3,866 54,490 SH   SOLE 54,490 0 0
ISHARES INC CORE MSCI EMKT 46434G103 498 10,154 SH   SOLE 10,154 0 0
JOHNSON & JOHNSON COM 478160104 1,050 10,690 SH   SOLE 10,690 0 0
JPMORGAN CHASE & CO COM 46625H100 734 12,088 SH   SOLE 12,088 0 0
KB FINANCIAL GROUP INC SPONSORED ADR 48241A105 219 6,222 SH   SOLE 6,222 0 0
LILLY ELI & CO COM 532457108 359 6,092 SH   SOLE 6,092 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 56 10,925 SH   SOLE 10,925 0 0
LOCKHEED MARTIN CORP COM 539830109 246 1,508 SH   SOLE 1,508 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 697 10,000 SH   SOLE 10,000 0 0
MARKET VECTORS ETF TR EM LC CURR DBT 57060U522 2,599 110,305 SH   SOLE 110,305 0 0
MASTERCARD INC CL A 57636Q104 387 5,183 SH   SOLE 5,183 0 0
MCDONALDS CORP COM 580135101 501 5,115 SH   SOLE 5,115 0 0
MERCK & CO INC NEW COM 58933Y105 723 12,728 SH   SOLE 12,728 0 0
MICRON TECHNOLOGY INC COM 595112103 203 8,575 SH   SOLE 8,575 0 0
MICROSOFT CORP COM 594918104 1,467 35,796 SH   SOLE 35,796 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADR 606822104 84 15,189 SH   SOLE 15,189 0 0
MIZUHO FINL GROUP INC SPONSORED ADR 60687Y109 126 31,616 SH   SOLE 31,616 0 0
MONDELEZ INTL INC CL A 609207105 209 6,039 SH   SOLE 6,039 0 0
NIKE INC CL B 654106103 351 4,746 SH   SOLE 4,746 0 0
NIPPON TELEG & TEL CORP SPONSORED ADR 654624105 272 10,000 SH   SOLE 10,000 0 0
NOVARTIS A G SPONSORED ADR 66987V109 687 8,084 SH   SOLE 8,084 0 0
NOVO-NORDISK A S ADR 670100205 326 7,150 SH   SOLE 7,150 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 347 3,641 SH   SOLE 3,641 0 0
ORACLE CORP COM 68389X105 1,268 31,002 SH   SOLE 31,002 0 0
PEPSICO INC COM 713448108 588 7,040 SH   SOLE 7,040 0 0
PETROLEO BRASILEIRO SA PETRO SP ADR NON VTG 71654V101 144 10,393 SH   SOLE 10,393 0 0
PFIZER INC COM 717081103 989 30,787 SH   SOLE 30,787 0 0
PHILIP MORRIS INTL INC COM 718172109 581 7,096 SH   SOLE 7,096 0 0
PHILLIPS 66 COM 718546104 204 2,652 SH   SOLE 2,652 0 0
PORTUGAL TELECOM SGPS S A SPONSORED ADR 737273102 63 14,707 SH   SOLE 14,707 0 0
POWERSHARES ETF TRUST II INTL CORP BOND 73936Q835 3,029 101,035 SH   SOLE 101,035 0 0
POWERSHARES INDIA ETF TR INDIA PORT 73935L100 616 32,972 SH   SOLE 32,972 0 0
PRICELINE COM INC COM NEW 741503403 217 182 SH   SOLE 182 0 0
PRINCIPAL FINL GROUP INC COM 74251V102 243 5,277 SH   SOLE 5,277 0 0
PROCTER & GAMBLE CO COM 742718109 1,132 14,043 SH   SOLE 14,043 0 0
PRUDENTIAL PLC ADR 74435K204 219 5,149 SH   SOLE 5,149 0 0
QUALCOMM INC COM 747525103 1,563 19,824 SH   SOLE 19,824 0 0
RIO TINTO PLC SPONSORED ADR 767204100 306 5,484 SH   SOLE 5,484 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 275 3,517 SH   SOLE 3,517 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 589 8,057 SH   SOLE 8,057 0 0
SANOFI SPONSORED ADR 80105N105 384 7,349 SH   SOLE 7,349 0 0
SAP AG SPON ADR 803054204 238 2,931 SH   SOLE 2,931 0 0
SCHLUMBERGER LTD COM 806857108 337 3,452 SH   SOLE 3,452 0 0
SIEMENS A G SPONSORED ADR 826197501 332 2,458 SH   SOLE 2,458 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 239 7,050 SH   SOLE 7,050 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 129 102,900 SH Put SOLE 102,900 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 32 134,300 SH Call SOLE 134,300 0 0
SPDR SERIES TRUST BRCLY INTL CRP 78464A151 5,593 149,910 SH   SOLE 149,910 0 0
SPDR SERIES TRUST BRC MTG BCKD BD 78464A383 458 17,024 SH   SOLE 17,024 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 260 6,287 SH   SOLE 6,287 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 15,188 255,778 SH   SOLE 255,778 0 0
SPECTRA ENERGY CORP COM 847560109 204 5,529 SH   SOLE 5,529 0 0
SPRINT CORP COM SER 1 85207U105 107 11,615 SH   SOLE 11,615 0 0
STATE STR CORP COM 857477103 220 3,163 SH   SOLE 3,163 0 0
STATOIL ASA SPONSORED ADR 85771P102 209 7,418 SH   SOLE 7,418 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 335 16,739 SH   SOLE 16,739 0 0
TELEFONICA S A SPONSORED ADR 879382208 260 16,495 SH   SOLE 16,495 0 0
TEXAS INSTRS INC COM 882508104 232 4,918 SH   SOLE 4,918 0 0
TIME WARNER CABLE INC COM 88732J207 229 1,669 SH   SOLE 1,669 0 0
TIME WARNER INC COM NEW 887317303 280 4,290 SH   SOLE 4,290 0 0
TJX COS INC NEW COM 872540109 888 14,642 SH   SOLE 14,642 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 326 6,952 SH   SOLE 6,952 0 0
TOTAL S A SPONSORED ADR 89151E109 470 7,158 SH   SOLE 7,158 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 425 3,762 SH   SOLE 3,762 0 0
TWENTY FIRST CENTY FOX INC CL A 90130A101 248 7,764 SH   SOLE 7,764 0 0
UBS AG SHS NEW H89231338 232 11,183 SH   SOLE 11,183 0 0
UNILEVER N V N Y SHS NEW 904784709 277 6,739 SH   SOLE 6,739 0 0
UNILEVER PLC SPON ADR NEW 904767704 227 5,311 SH   SOLE 5,311 0 0
UNION PAC CORP COM 907818108 285 1,521 SH   SOLE 1,521 0 0
UNITED PARCEL SERVICE INC CL B 911312106 268 2,757 SH   SOLE 2,757 0 0
UNITED TECHNOLOGIES CORP COM 913017109 483 4,137 SH   SOLE 4,137 0 0
UNITEDHEALTH GROUP INC COM 91324P102 256 3,119 SH   SOLE 3,119 0 0
US BANCORP DEL COM NEW 902973304 251 5,864 SH   SOLE 5,864 0 0
VALE S A ADR 91912E105 242 17,532 SH   SOLE 17,532 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 767 9,267 SH   SOLE 9,267 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 773 8,348 SH   SOLE 8,348 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 354 2,847 SH   SOLE 2,847 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 352 3,499 SH   SOLE 3,499 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 767 8,201 SH   SOLE 8,201 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 502 6,427 SH   SOLE 6,427 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,838 16,277 SH   SOLE 16,277 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,485 13,901 SH   SOLE 13,901 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 312 6,192 SH   SOLE 6,192 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,269 55,919 SH   SOLE 55,919 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,292 16,150 SH   SOLE 16,150 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 908 10,409 SH   SOLE 10,409 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,840 33,425 SH   SOLE 33,425 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 2,496 34,479 SH   SOLE 34,479 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 2,453 43,670 SH   SOLE 43,670 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 433 6,783 SH   SOLE 6,783 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 708 14,882 SH   SOLE 14,882 0 0
VISA INC COM CL A 92826C839 428 1,983 SH   SOLE 1,983 0 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR 92857W308 248 6,739 SH   SOLE 6,739 0 0
WAL-MART STORES INC COM 931142103 1,752 22,919 SH   SOLE 22,919 0 0
WELLS FARGO & CO NEW COM 949746101 876 17,609 SH   SOLE 17,609 0 0
WESTPAC BKG CORP SPONSORED ADR 961214301 212 6,606 SH   SOLE 6,606 0 0
YAHOO INC COM 984332106 206 5,732 SH   SOLE 5,732 0 0