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
ABBVIE INC COM COM 00287Y109 229 4,450 SH   SOLE   0 0 4,450
ALASKA COMM SYSTEMS GROUP COM COM 01167P101 48 25,000 SH   SOLE   0 0 25,000
ALTRIA GROUP INC COM COM 02209S103 323 8,639 SH   SOLE   0 0 8,639
AMERICAN REALTY CAPITAL PROPTY COM COM 02917T104 670 47,798 SH   SOLE   0 0 47,798
APPLE INC COM COM 037833100 1,155 2,151 SH   SOLE   0 0 2,151
ASSOCIATED BANC CORP COM COM 045487105 232 12,851 SH   SOLE   0 0 12,851
AT&T INC COM COM 00206R102 1,526 43,516 SH   SOLE   0 0 43,516
AUTOMATIC DATA PROCESSING INC COM COM 053015103 245 3,167 SH   SOLE   0 0 3,167
BAIDU INC ADR ADR 056752108 635 4,172 SH   SOLE   0 0 4,172
BERKSHIRE HATHAWAY INC DEL CL B CL B 084670702 766 6,132 SH   SOLE   0 0 6,132
BP PLC SPONS ADR SPONS ADR 055622104 235 4,884 SH   SOLE   0 0 4,884
BRISTOL-MYERS SQUIBB CM CM 110122108 328 6,319 SH   SOLE   0 0 6,319
CASS INFORMATION SYSTEMS COM COM 14808P109 789 15,303 SH   SOLE   0 0 15,303
CATERPILLAR INC COM COM 149123101 1,811 18,226 SH   SOLE   0 0 18,226
CHEVRON CORP COM COM 166764100 679 5,711 SH   SOLE   0 0 5,711
COCA COLA CO COM COM 191216100 347 8,978 SH   SOLE   0 0 8,978
CURRENCY SH CAN DOL TR EXCHANGE TRADED FUND EXCHANGE TRADED FUND 23129X105 393 4,364 SH   SOLE   0 0 4,364
DOMINION RESOURCES INC COM COM 25746U109 267 3,757 SH   SOLE   0 0 3,757
EATON VANCE TAX MG COM COM 27828N102 284 25,482 SH   SOLE   0 0 25,482
EBAY INC COM COM 278642103 211 3,823 SH   SOLE   0 0 3,823
EFTS PALLADIUM TRUST PALLADIUM TRUST 26923A106 454 6,015 SH   SOLE   0 0 6,015
ELI LILLY & CO COM COM 532457108 576 9,793 SH   SOLE   0 0 9,793
EMERSON ELEC CO COM COM 291011104 231 3,453 SH   SOLE   0 0 3,453
ENERGEN CORP COM COM 29265N108 265 3,284 SH   SOLE   0 0 3,284
EXPRESS SCRIPTS HOLDING CO COM COM 30219G108 243 3,240 SH   SOLE   0 0 3,240
EXXON MOBIL CORPORATION COM COM 30231G102 2,813 28,795 SH   SOLE   0 0 28,795
FIRST TRUST ISE REVERE NATURAL GAS ISE REVERE NATURAL GAS 33734J102 1,151 55,625 SH   SOLE   0 0 55,625
FORD MOTOR COM COM 345370860 294 18,833 SH   SOLE   0 0 18,833
FULTON FINANCIAL CORP COM COM 360271100 396 31,447 SH   SOLE   0 0 31,447
GENERAL ELECTRIC CO COM COM 369604103 1,225 47,307 SH   SOLE   0 0 47,307
GENERAL MILLS INC COM COM 370334104 571 11,020 SH   SOLE   0 0 11,020
GLOBAL X FUNDS SILVERS MINERS ETF SILVERS MINERS ETF 37950E853 408 31,901 SH   SOLE   0 0 31,901
GUGGENHEIM INSIDER SENTIMENT ETF INSIDER SENTIMENT ETF 18383M209 294 6,168 SH   SOLE   0 0 6,168
HALLIBURTON CO COM COM 406216101 289 4,907 SH   SOLE   0 0 4,907
HEALTHCARE TRUST OF AMERICA CLASS A CLASS A 42225P105 248 21,753 SH   SOLE   0 0 21,753
HOME DEPOT INC COM COM 437076102 456 5,765 SH   SOLE   0 0 5,765
INTL BUSINESS MACHINES COM COM 459200101 486 2,525 SH   SOLE   0 0 2,525
ISHARES 1-3 YR TREASURY BND ETF 1-3 YR TREASURY BND ETF 464287457 316 3,742 SH   SOLE   0 0 3,742
ISHARES 3 YEAR INTL TREASURY BND ETF 3 YEAR INTL TREASURY BND ETF 464288125 930 9,702 SH   SOLE   0 0 9,702
ISHARES EUROPE ETF EUROPE ETF 464287861 12,403 256,903 SH   SOLE   0 0 256,903
ISHARES IBOXX $ INVMNT GRD CORP BD ETF IBOXX $ INVMNT GRD CORP BD ETF 464287242 11,956 102,242 SH   SOLE   0 0 102,242
ISHARES MORTGAGE REAL EST CAPPED ETF MORTGAGE REAL EST CAPPED ETF 464288539 3,350 273,206 SH   SOLE   0 0 273,206
ISHARES MSCI BELGIUM CAPPED ETF MSCI BELGIUM CAPPED ETF 464286301 8,932 514,515 SH   SOLE   0 0 514,515
ISHARES RUSSELL MID-CAP ETF RUSSELL MID-CAP ETF 464287499 11,039 71,332 SH   SOLE   0 0 71,332
ISHARES SILVER TRUST SILVER TRUST 46428Q109 809 42,469 SH   SOLE   0 0 42,469
ISHARES US ENERGY ETF US ENERGY ETF 464287796 1,819 35,681 SH   SOLE   0 0 35,681
ISHARES US HEALTHCARE ETF US HEALTHCARE ETF 464287762 1,744 14,175 SH   SOLE   0 0 14,175
ISHARES US MEDICAL DEVICES ETF US MEDICAL DEVICES ETF 464288810 11,113 112,470 SH   SOLE   0 0 112,470
ISHARES US TECHNOLOGY ETF US TECHNOLOGY ETF 464287721 1,773 19,472 SH   SOLE   0 0 19,472
JOHNSON & JOHNSON COM COM 478160104 1,187 12,085 SH   SOLE   0 0 12,085
JP MORGAN CHASE & CO COM COM 46625H100 257 4,237 SH   SOLE   0 0 4,237
KINDER MORGAN MANAGEMENT COM COM 49455U100 240 3,342 SH   SOLE   0 0 3,342
M & T BANK CORPORATION COM COM 55261F104 631 5,201 SH   SOLE   0 0 5,201
MARKET VECTORS AGRIBUSINESS AGRIBUSINESS 57060U605 451 8,300 SH   SOLE   0 0 8,300
MARKET VECTORS GOLD MINERS ETF GOLD MINERS ETF 57060U100 413 17,477 SH   SOLE   0 0 17,477
MARKET VECTORS WIDE MOAT ETF WIDE MOAT ETF 57060U134 777 26,504 SH   SOLE   0 0 26,504
MCDONALDS CORP COM COM 580135101 248 2,533 SH   SOLE   0 0 2,533
MCGRAW HILL FINANCIAL INC COM COM 580645109 595 7,799 SH   SOLE   0 0 7,799
MERCK & CO INC. COM COM 58933Y105 300 5,282 SH   SOLE   0 0 5,282
MICROSOFT CORP COM COM 594918104 399 9,742 SH   SOLE   0 0 9,742
NAVISTAR INTL CORP SR SUB NOTE CONVERTIBLE SR SUB NOTE CONVERTIBLE 63934EAL2 260 256 PRN   SOLE   0 0 256
OCCIDENTAL PETROLEUM CORP COM COM 674599105 728 7,638 SH   SOLE   0 0 7,638
PAYCHEX INC COM COM 704326107 234 5,485 SH   SOLE   0 0 5,485
PEPSICO INC COM COM 713448108 295 3,538 SH   SOLE   0 0 3,538
PFIZER INC COM COM 717081103 743 23,146 SH   SOLE   0 0 23,146
PHILIP MORRIS INTL COM COM 718172109 608 7,428 SH   SOLE   0 0 7,428
PIEDMONT OFFICE REALTY TRUST COM COM 720190206 246 14,332 SH   SOLE   0 0 14,332
PIMCO 1-5 YR US TIPS INDEX ETF 1-5 YR US TIPS INDEX ETF 72201R205 1,608 30,369 SH   SOLE   0 0 30,369
PIMCO TOTAL RETURN ETF TOTAL RETURN ETF 72201R775 1,339 12,558 SH   SOLE   0 0 12,558
POWERSHARES CEF INCOME COMPOSITE PORT CEF INCOME COMPOSITE PORT 73936Q843 2,222 89,806 SH   SOLE   0 0 89,806
POWERSHARES DB AGRICULTURE FUND DB AGRICULTURE FUND 73936B408 470 16,577 SH   SOLE   0 0 16,577
POWERSHARES DB BASE METALS DB BASE METALS 73936B705 402 25,359 SH   SOLE   0 0 25,359
POWERSHARES DB GOLD FUND DB GOLD FUND 73936B606 278 6,463 SH   SOLE   0 0 6,463
POWERSHARES QQQ QQQ 73935A104 10,260 117,029 SH   SOLE   0 0 117,029
POWERSHARES SENIOR LOAN PORTFOLIO SENIOR LOAN PORTFOLIO 73936Q769 3,431 138,272 SH   SOLE   0 0 138,272
PPG INDUSTRIES INC COM COM 693506107 339 1,750 SH   SOLE   0 0 1,750
PROCTER GAMBLE CO COM COM 742718109 638 7,920 SH   SOLE   0 0 7,920
PROSHARES SHORT 20+ TREASURY SHORT 20+ TREASURY 74347X849 400 13,162 SH   SOLE   0 0 13,162
SELECT SECTOR SPDR TRUST CONSUMER DIS SELECT INDEX CONSUMER DIS SELECT INDEX 81369Y407 461 7,121 SH   SOLE   0 0 7,121
SELECT SECTOR SPDR TRUST CONSUMER STAPLES INDEX CONSUMER STAPLES INDEX 81369Y308 459 10,651 SH   SOLE   0 0 10,651
SELECT SECTOR SPDR TRUST ENERGY SELECT INDEX ENERGY SELECT INDEX 81369Y506 940 10,553 SH   SOLE   0 0 10,553
SELECT SECTOR SPDR TRUST FINANCIAL SELECT SECTOR FUND FINANCIAL SELECT SECTOR FUND 81369Y605 2,308 103,316 SH   SOLE   0 0 103,316
SELECT SECTOR SPDR TRUST HEALTH CARE SELECT INDEX HEALTH CARE SELECT INDEX 81369Y209 11,595 198,236 SH   SOLE   0 0 198,236
SELECT SECTOR SPDR TRUST INDUSTRIAL SELECT INDEX INDUSTRIAL SELECT INDEX 81369Y704 11,429 218,404 SH   SOLE   0 0 218,404
SELECT SECTOR SPDR TRUST MATERIALS SELECT SEC INDEX MATERIALS SELECT SEC INDEX 81369Y100 13,176 278,682 SH   SOLE   0 0 278,682
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT INDEX TECHNOLOGY SELECT INDEX 81369Y803 11,373 312,863 SH   SOLE   0 0 312,863
SELECT SECTOR SPDR TRUST UTILITIES SELECT INDEX UTILITIES SELECT INDEX 81369Y886 9,736 234,835 SH   SOLE   0 0 234,835
SEMPRA ENERGY COM COM 816851109 463 4,786 SH   SOLE   0 0 4,786
SOUTHERN CO COM COM 842587107 1,205 27,418 SH   SOLE   0 0 27,418
SPDR BARCLAYS HIGH YIELD BOND ETF BARCLAYS HIGH YIELD BOND ETF 78464A417 16,190 391,823 SH   SOLE   0 0 391,823
SPDR GOLD TR GOLD SHS ETF ETF 78463V107 569 4,602 SH   SOLE   0 0 4,602
SPDR INTL DIV ETF INTL DIV ETF 78463X772 1,248 25,690 SH   SOLE   0 0 25,690
SPDR TR S&P 500 ETF TR S&P 500 ETF TR 78462F103 167,878 897,697 SH   SOLE   0 0 897,697
UNITED PARCEL SERVICE CL B CL B 911312106 253 2,599 SH   SOLE   0 0 2,599
VANGUARD CRSP US SMALL CAP INDEX CRSP US SMALL CAP INDEX 922908751 496 4,389 SH   SOLE   0 0 4,389
VANGUARD DIVIDEND APPRECIATION ETF DIVIDEND APPRECIATION ETF 921908844 358 4,759 SH   SOLE   0 0 4,759
VANGUARD EMERGING MARKETS ETF EMERGING MARKETS ETF 922042858 960 23,663 SH   SOLE   0 0 23,663
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEVELOPED MARKETS ETF 921943858 1,990 48,222 SH   SOLE   0 0 48,222
VANGUARD REIT ETF INDEX REIT ETF INDEX 922908553 9,248 130,951 SH   SOLE   0 0 130,951
VANGUARD SHORT TERM CORP BOND ETF SHORT TERM CORP BOND ETF 92206C409 209 2,616 SH   SOLE   0 0 2,616
VANGUARD TOTAL BOND MARKET ETF TOTAL BOND MARKET ETF 921937835 4,252 52,373 SH   SOLE   0 0 52,373
VANGUARD TOTAL STOCK MARKET ETF TOTAL STOCK MARKET ETF 922908769 4,970 50,994 SH   SOLE   0 0 50,994
VERIZON COMMUNICATIONS COM COM 92343V104 523 10,991 SH   SOLE   0 0 10,991
WAL-MART STORES COM COM 931142103 2,279 29,823 SH   SOLE   0 0 29,823
WELLS FARGO & CO COM COM 949746101 395 7,949 SH   SOLE   0 0 7,949
WISDOMTREE JAPAN SMALLCAP DIV FUND JAPAN SMALLCAP DIV FUND 97717W836 624 12,477 SH   SOLE   0 0 12,477
WISDOMTREE TRUST EMRG MKTS DEBT TR ELD EMRG MKTS DEBT TR ELD 97717X867 972 21,180 SH   SOLE   0 0 21,180