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 COMPANY COM 88579y101 421 2,561 SH   SOLE NONE 2,561 0 0
8X8 Inc. COM 282914100 92 10,000 SH   SOLE NONE 10,000 0 0
ABBOTT LABORATORIES COM 002824100 269 5,973 SH   SOLE NONE 5,973 0 0
ABBVIE INC COM 00287Y109 381 5,827 SH   SOLE NONE 5,827 0 0
ADOBE SYS INC COM 00724f101 284 3,906 SH   SOLE NONE 3,906 0 0
AIR PROD & CHEM COM 9158106 298 2,065 SH   SOLE NONE 2,065 0 0
ALLERGAN INC COM 018490102 272 1,280 SH   SOLE NONE 1,280 0 0
ALTRIA GROUP INC COM 02209s103 586 11,885 SH   SOLE NONE 11,885 0 0
AMAZON.COM INC COM 023135106 260 837 SH   SOLE NONE 837 0 0
AMERICANEXPRESS CO COM 025816109 213 2,287 SH   SOLE NONE 2,287 0 0
ANTHEM INC COM 036752103 521 4,149 SH   SOLE NONE 4,149 0 0
APPLE INC COM 037833100 1,587 14,379 SH   SOLE NONE 14,379 0 0
APPLE INC COM 037833100 688 6,230 SH   SOLE NONE 6,230 0 0
AT&T INC COM COM 00206r102 300 8,925 SH   SOLE NONE 8,925 0 0
BANK OF AMERICA CORP COM 060505104 191 10,664 SH   SOLE NONE 10,664 0 0
BAXTER INTL COM 71813109 267 3,640 SH   SOLE NONE 3,640 0 0
BERKSHIRE HTWY CL A 84670108 1,130 500 SH   SOLE NONE 500 0 0
BERKSHIRE HTWY CL B 084670207 2,352 15,665 SH   SOLE NONE 15,665 0 0
BOEING CO COM 097023105 345 2,654 SH   SOLE NONE 2,654 0 0
BRISTOL MYERS SQUIBB COM 110122108 471 7,984 SH   SOLE NONE 7,984 0 0
CATERPILLARINC COM 149123101 247 2,704 SH   SOLE NONE 2,704 0 0
CHEVRON CORP NEW COM 166764100 290 2,587 SH   SOLE NONE 2,587 0 0
CISCO SYS INC COM 17275r102 524 18,849 SH   SOLE NONE 18,849 0 0
COCA COLA CO COM 191216100 400 9,468 SH   SOLE NONE 9,468 0 0
CONSOLIDATED EDISON COM 209115104 448 6,786 SH   SOLE NONE 6,786 0 0
CYAN INC COM 23247W104 53 21,252 SH   SOLE NONE 21,252 0 0
DISNEY WALT CO COM 254687106 329 3,492 SH   SOLE NONE 3,492 0 0
DU PONT COM 263534109 212 2,868 SH   SOLE NONE 2,868 0 0
ELECTRONIC ARTS INC COM 285512109 236 5,027 SH   SOLE NONE 5,027 0 0
EXXON MOBIL CORP COM 30231g102 941 10,178 SH   SOLE NONE 10,178 0 0
FACEBOOK INC COM 30303M102 1,719 22,027 SH   SOLE NONE 22,027 0 0
F&M BANK COM 308243104 602 100 SH   SOLE NONE 100 0 0
GENERAL ELECTRIC CO COM 369604103 818 32,356 SH   SOLE NONE 32,356 0 0
GILEAD SCIENCES INC COM 375558103 206 2,183 SH   SOLE NONE 2,183 0 0
GLAXOSMITHKLINE COM 37733w105 223 5,228 SH   SOLE NONE 5,228 0 0
GOOGLE INC COM 38259p508 255 481 SH   SOLE NONE 481 0 0
GOOGLE INC CL A COM 38259P508 255 485 SH   SOLE NONE 485 0 0
HP COM 428236103 239 5,944 SH   SOLE NONE 5,944 0 0
INTEGRYS ENERGY COM 45822P105 322 4,136 SH   SOLE NONE 4,136 0 0
INTEL CORP COM 458140100 1,064 29,316 SH   SOLE NONE 29,316 0 0
INTL BUSINESS MACH COM 459200101 849 5,294 SH   SOLE NONE 5,294 0 0
ISHARES US AGG 464287226 812 7,378 SH   SOLE NONE 7,378 0 0
ISHARES EAFE SM 464288273 6,998 149,821 SH   SOLE NONE 149,821 0 0
ISHARES EAFE VAL 464288877 252 4,940 SH   SOLE NONE 4,940 0 0
ISHARES RUS 1K V 464287598 375 3,593 SH   SOLE NONE 3,593 0 0
ISHARES RUS 3K 464287689 1,141 9,332 SH   SOLE NONE 9,332 0 0
ISHARES DJ REIT 464287739 278 3,619 SH   SOLE NONE 3,619 0 0
ISHARES EAFE 464287465 937 15,398 SH   SOLE NONE 15,398 0 0
ISHARES R1K 464287622 213 1,854 SH   SOLE NONE 1,854 0 0
ISHARES R1K GR 464287614 328 3,427 SH   SOLE NONE 3,427 0 0
ISHARES R2K VAL 464287630 214 2,108 SH   SOLE NONE 2,108 0 0
ISHARES S&P500 464287200 34,710 167,786 SH   SOLE NONE 167,786 0 0
ISHARES S&P600 V 464287879 1,456 12,349 SH   SOLE NONE 12,349 0 0
ISHARES S&P600 464287804 20,681 181,315 SH   SOLE NONE 181,315 0 0
JOHNSON & JOHNSON COM 478160104 370 3,539 SH   SOLE NONE 3,539 0 0
JPM CHASE COM 46625h100 358 5,726 SH   SOLE NONE 5,726 0 0
KINDER MORGAN INC COM 49456B101 266 6,278 SH   SOLE NONE 6,278 0 0
MCGRATH RENTCORP COM 580589109 454 12,652 SH   SOLE NONE 12,652 0 0
MERCK COM 58933Y105 596 10,501 SH   SOLE NONE 10,501 0 0
MICROSOFT CORP COM 594918104 670 14,432 SH   SOLE NONE 14,432 0 0
NIKE INC COM 654106103 813 8,453 SH   SOLE NONE 8,453 0 0
ORACLE CORPORATION COM 68389x105 637 14,157 SH   SOLE NONE 14,157 0 0
PEPSICO INC COM 713448108 239 2,532 SH   SOLE NONE 2,532 0 0
PFIZER INC COM 717081103 270 8,654 SH   SOLE NONE 8,654 0 0
PHILLIP MORRIS INTL INC COM 718172109 479 5,882 SH   SOLE NONE 5,882 0 0
PROCTER & GAMBLE CO COM 742718109 670 7,351 SH   SOLE NONE 7,351 0 0
REYNOLDS AMERICAN INC COM 761713106 388 6,040 SH   SOLE NONE 6,040 0 0
SPDR S&P500 78462f103 4,450 21,653 SH   SOLE NONE 21,653 0 0
SPDR S&P400 595635103 468 1,773 SH   SOLE NONE 1,773 0 0
SCHLUMBERGER LTD COM 806857108 447 5,235 SH   SOLE NONE 5,235 0 0
SCHWAB INT'L 808524805 3,874 134,015 SH   SOLE NONE 134,015 0 0
SCHWAB INT'L SM 808524888 917 31,793 SH   SOLE NONE 31,793 0 0
SCHWAB US MKT 808524102 223 4,472 SH   SOLE NONE 4,472 0 0
SCHWAB LG GR 808524300 592 11,435 SH   SOLE NONE 11,435 0 0
SCHWAB SMALL 808524607 259 4,694 SH   SOLE NONE 4,694 0 0
SPDR ACWIEX 78463x848 354 10,593 SH   SOLE NONE 10,593 0 0
SUMMIT BANK COM 86601L105 138 10,000 SH   SOLE NONE 10,000 0 0
TIME WARNER INC COM 887317303 217 2,538 SH   SOLE NONE 2,538 0 0
UPS CL B 911312106 1,041 9,360 SH   SOLE NONE 9,360 0 0
UNITED TECH COM 913017109 506 4,403 SH   SOLE NONE 4,403 0 0
UHG COM 91324p102 334 3,307 SH   SOLE NONE 3,307 0 0
VANGUARD EM 922042858 915 22,870 SH   SOLE NONE 22,870 0 0
VANGUARD GR 922908736 830 7,951 SH   SOLE NONE 7,951 0 0
VANGUARD HIGH DIV 921946406 433 6,300 SH   SOLE NONE 6,300 0 0
VANGUARD LARGE 922908637 6,514 69,007 SH   SOLE NONE 69,007 0 0
VANGUARD SMALL 922908751 724 6,206 SH   SOLE NONE 6,206 0 0
VANGUARD ALL W EX 922042775 683 14,581 SH   SOLE NONE 14,581 0 0
VANGUARD MID 922908629 395 3,195 SH   SOLE NONE 3,195 0 0
VANGUARD EAFE 921943858 17,199 454,030 SH   SOLE NONE 454,030 0 0
VANGUARD REIT 922908553 534 6,591 SH   SOLE NONE 6,591 0 0
VANGUARD R2K 92206C664 258 2,700 SH   SOLE NONE 2,700 0 0
VANGUARD S&P500 922908413 546 2,900 SH   SOLE NONE 2,900 0 0
VANGUARD S&P600 V 921932778 698 6,885 SH   SOLE NONE 6,885 0 0
VANGUARD SH BOND 921937827 885 11,072 SH   SOLE NONE 11,072 0 0
VANGUARD SM VAL 922908611 15,547 146,985 SH   SOLE NONE 146,985 0 0
VANGUARD TOT MKT 922908769 751 7,088 SH   SOLE NONE 7,088 0 0
VANGUARD TOT WRLD 922042742 7,563 125,806 SH   SOLE NONE 125,806 0 0
VANGUARD VALUE 922908744 1,349 15,971 SH   SOLE NONE 15,971 0 0
VANGUARD SH TIPS 922020805 1,084 22,468 SH   SOLE NONE 22,468 0 0
VARIAN COM 92220P105 2,098 24,257 SH   SOLE NONE 24,257 0 0
VERIZON COM 92343v104 514 10,995 SH   SOLE NONE 10,995 0 0
WELLS FARGO COM 949746101 802 14,621 SH   SOLE NONE 14,621 0 0
WISDOMTREE EQ INC 97717W208 294 4,780 SH   SOLE NONE 4,780 0 0