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
Schwab Intl Equity ETF COM 808524805 36,540 1,335,055 SH   SOLE   0 0 1,335,055
Vanguard Extended Market ETF COM 922908652 30,430 372,786 SH   SOLE   0 0 372,786
iShares Barclays Aggregate COM 464287226 39,014 356,032 SH   SOLE   0 0 356,032
Schwab Em Mkts Equity ETF COM 808524706 6,585 325,668 SH   SOLE   0 0 325,668
Vanguard S&P 500 ETF COM 922908363 53,326 303,494 SH   SOLE   0 0 303,494
iShares Core MSCI EAFE COM 46432F842 11,013 208,547 SH   SOLE   0 0 208,547
Kingfisher PLC SPONSORED ADR 495724403 1,291 118,205 SH   SOLE   0 0 118,205
Ford Motor Co COM 345370860 1,167 86,068 SH   SOLE   0 0 86,068
Market Vectors Inter Muni ETF COM 57060U845 1,951 82,570 SH   SOLE   0 0 82,570
Vanguard Bond Index COM 921937835 5,243 64,002 SH   SOLE   0 0 64,002
Fifth Third Bancorp COM 316773100 1,086 57,453 SH   SOLE   0 0 57,453
Microsoft Corp COM 594918104 2,456 55,508 SH   SOLE   0 0 55,508
Hines REIT Inc COM 433264108 354 54,495 SH   SOLE   0 0 54,495
iShares Russell 1000 Val Index COM 464287598 5,010 53,715 SH   SOLE   0 0 53,715
Templeton Global Income Inc COM 880198106 319 52,465 SH   SOLE   0 0 52,465
iShares R2000 Index COM 464287655 5,483 50,212 SH   SOLE   0 0 50,212
Cisco Systems Inc COM 17275R102 1,206 45,944 SH   SOLE   0 0 45,944
SPDR S&P 500 Trust Series 1 COM 78462F103 8,580 44,778 SH   SOLE   0 0 44,778
Exelon Corporation COM 30161N101 1,202 40,477 SH   SOLE   0 0 40,477
Pfizer Incorporated COM 717081103 1,249 39,792 SH   SOLE   0 0 39,792
JPMorgan Chase & Co COM 46625H100 2,259 37,060 SH   SOLE   0 0 37,060
Goodyear Tire & Rubber Company COM 382550101 931 31,774 SH   SOLE   0 0 31,774
iShares iBoxx $ HY Corp Bond COM 464288513 2,631 31,591 SH   SOLE   0 0 31,591
iShares MSCI USA Minimum Volat COM 46429B697 1,230 31,080 SH   SOLE   0 0 31,080
iSHARES Dow Jones Intl Select COM 464288448 783 27,860 SH   SOLE   0 0 27,860
Masco Corp COM 574599106 688 27,345 SH   SOLE   0 0 27,345
Sysco Corporation COM 871829107 1,039 26,685 SH   SOLE   0 0 26,685
Twenty-First Century Fox Inc COM 90130A101 704 26,113 SH   SOLE   0 0 26,113
General Electric Co COM 369604103 650 25,812 SH   SOLE   0 0 25,812
Johnson & Johnson COM 478160104 2,264 24,261 SH   SOLE   0 0 24,261
Starbucks Corp COM 855244109 1,354 23,824 SH   SOLE   0 0 23,824
Seagate Technology COM G7945M107 1,041 23,257 SH   SOLE   0 0 23,257
Dicks Sporting Goods Inc COM 253393102 1,123 22,645 SH   SOLE   0 0 22,645
Exxon Mobil Corp COM 30231G102 1,674 22,524 SH   SOLE   0 0 22,524
iShares MSCI EAFE Min Vol COM 46429B689 1,351 21,666 SH   SOLE   0 0 21,666
Procter & Gamble Company COM 742718109 1,513 21,043 SH   SOLE   0 0 21,043
Ball Corporation COM 58498106 1,299 20,895 SH   SOLE   0 0 20,895
Amgen Inc COM 31162100 2,813 20,342 SH   SOLE   0 0 20,342
WisdomTree Em Mkts Equity Inc COM 97717W315 680 20,335 SH   SOLE   0 0 20,335
CH Robinson Worldwide Inc COM 12541W209 1,363 20,117 SH   SOLE   0 0 20,117
PNC Financial Serv Group Inc COM 693475105 1,714 19,224 SH   SOLE   0 0 19,224
Fluor Corp New COM 343412102 754 17,822 SH   SOLE   0 0 17,822
PowerShares S&P MidCap Low Vol COM 73937B647 576 17,777 SH   SOLE   0 0 17,777
Express Scripts Hldg COM 30219G108 1,427 17,636 SH   SOLE   0 0 17,636
Discover Financial Services COM 254709108 914 17,582 SH   SOLE   0 0 17,582
PowerShares S&P SmallCap Low V COM 73937B639 530 16,394 SH   SOLE   0 0 16,394
Sector SPDR - Financials COM 81369Y605 366 16,164 SH   SOLE   0 0 16,164
Kinder Morgan Inc DE COM 49456B101 412 14,920 SH   SOLE   0 0 14,920
iShares MSCI EAFE Index COM 464287465 784 13,685 SH   SOLE   0 0 13,685
Occidental Petroleum COM 674599105 895 13,539 SH   SOLE   0 0 13,539
CSX Corp COM 126408103 361 13,452 SH   SOLE   0 0 13,452
Gilead Sciences Inc COM 375558103 1,320 13,446 SH   SOLE   0 0 13,446
Vanguard High Dividend Yield E COM 921946406 803 12,830 SH   SOLE   0 0 12,830
AT&T Inc COM 00206R102 407 12,521 SH   SOLE   0 0 12,521
Vanguard Emerging Mkts ETF COM 922042858 385 11,647 SH   SOLE   0 0 11,647
Chevron Corporation COM 166764100 870 11,038 SH   SOLE   0 0 11,038
Sector SPDR - Industrials COM 81369Y704 518 10,392 SH   SOLE   0 0 10,392
L3 Communications Hldgs COM 502424104 1,053 10,084 SH   SOLE   0 0 10,084
American Tower Corp COM 03027X100 883 10,040 SH   SOLE   0 0 10,040