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
ISHARES TR S&P SMLCP GROW 464287887 696 15,616 SH   SOLE   0 0 15,616
ISHARES TR RUSSELL 1000 464287622 208 4,250 SH   SOLE   0 0 4,250
ISHARES TR RUSSELL1000GRW 464287614 303 8,164 SH   SOLE   0 0 8,164
ISHARES TR RUSSELL 3000 464287689 9,818 188,813 SH   SOLE   0 0 188,813
ISHARES TR DJ US REAL EST 464287739 377 10,129 SH   SOLE   0 0 10,129
SPDR TR UNIT SER 1 78462F103 203 2,246 SH   SOLE   0 0 2,246
AMAZON COM INC COM 023135106 217 4,224 SH   SOLE   0 0 4,224
EMERSON ELEC CO COM 291011104 319 8,704 SH   SOLE   0 0 8,704
ABBOTT LABS COM 002824100 243 4,550 SH   SOLE   0 0 4,550
INTEL CORP COM 458140100 238 16,216 SH   SOLE   0 0 16,216
ORACLE CORP COM 68389X105 220 12,390 SH   SOLE   0 0 12,390
QUALCOMM INC COM 747525103 400 11,160 SH   SOLE   0 0 11,160
DISNEY WALT CO COM DISNEY 254687106 370 16,301 SH   SOLE   0 0 16,301
JOHNSON & JOHNSON COM 478160104 638 10,668 SH   SOLE   0 0 10,668
PFIZER INC COM 717081103 479 27,023 SH   SOLE   0 0 27,023
ISHARES TR MSCI EAFE IDX 464287465 3,135 69,878 SH   SOLE   0 0 69,878
CHEVRON CORP NEW COM 166764100 699 9,447 SH   SOLE   0 0 9,447
MICROSOFT CORP COM 594918104 351 18,033 SH   SOLE   0 0 18,033
AT&T INC COM 00206R102 861 30,227 SH   SOLE   0 0 30,227
CISCO SYS INC COM 17275R102 376 23,096 SH   SOLE   0 0 23,096
INTERNATIONAL BUSINESS MACHS COM 459200101 437 5,192 SH   SOLE   0 0 5,192
COCA COLA CO COM 191216100 307 6,782 SH   SOLE   0 0 6,782
PEPSICO INC COM 713448108 338 6,163 SH   SOLE   0 0 6,163
VERIZON COMMUNICATIONS INC COM 92343V104 314 9,266 SH   SOLE   0 0 9,266
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 311 24,861 SH   SOLE   0 0 24,861
SCHWAB CHARLES CORP NEW COM 808513105 201 12,433 SH   SOLE   0 0 12,433
BANK OF AMERICA CORPORATION COM 060505104 275 19,550 SH   SOLE   0 0 19,550
EXXON MOBIL CORP COM 30231G102 1,323 16,572 SH   SOLE   0 0 16,572
WYETH COM 983024100 254 6,783 SH   SOLE   0 0 6,783
WAL MART STORES INC COM 931142103 595 10,614 SH   SOLE   0 0 10,614
UNION PAC CORP COM 907818108 247 5,159 SH   SOLE   0 0 5,159
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 169 21,453 SH   SOLE   0 0 21,453
TOTAL S A SPONSORED ADR 89151E109 445 8,043 SH   SOLE   0 0 8,043
COLGATE PALMOLIVE CO COM 194162103 320 4,669 SH   SOLE   0 0 4,669
CVS CAREMARK CORPORATION COM 126650100 275 9,572 SH   SOLE   0 0 9,572
ENI S P A SPONSORED ADR 26874R108 361 7,549 SH   SOLE   0 0 7,549
SIEMENS A G SPONSORED ADR 826197501 514 6,787 SH   SOLE   0 0 6,787
NOVARTIS A G SPONSORED ADR 66987V109 442 8,885 SH   SOLE   0 0 8,885
RAYTHEON CO COM NEW 755111507 250 4,892 SH   SOLE   0 0 4,892
PROCTER & GAMBLE CO COM 742718109 570 9,214 SH   SOLE   0 0 9,214
GENERAL ELECTRIC CO COM 369604103 787 48,562 SH   SOLE   0 0 48,562
GILEAD SCIENCES INC COM 375558103 494 9,662 SH   SOLE   0 0 9,662
HOME DEPOT INC COM 437076102 215 9,355 SH   SOLE   0 0 9,355
ING GROEP N V SPONSORED ADR 456837103 23,495 2,116,688 SH   SOLE   0 0 2,116,688
MCDONALDS CORP COM 580135101 280 4,502 SH   SOLE   0 0 4,502
JPMORGAN & CHASE & CO COM 46625H100 955 30,291 SH   SOLE   0 0 30,291
HEWLETT PACKARD CO COM 428236103 2,123 58,496 SH   SOLE   0 0 58,496
WELLS FARGO & CO NEW COM 949746101 1,198 40,647 SH   SOLE   0 0 40,647
ISHARES TR BARCLYS 1-3 YR 464287457 300 3,538 SH   SOLE   0 0 3,538
MONSANTO CO NEW COM 61166W101 226 3,207 SH   SOLE   0 0 3,207
PRAXAIR INC COM 74005P104 219 3,697 SH   SOLE   0 0 3,697
PROGRESSIVE CORP OHIO COM 743315103 3,102 209,447 SH   SOLE   0 0 209,447
FORD MTR CO DEL COM PAR $0.01 345370860 86 37,536 SH   SOLE   0 0 37,536
UNITED TECHNOLOGIES CORP COM 913017109 437 8,150 SH   SOLE   0 0 8,150
COMCAST CORP NEW CL A 20030N101 176 10,425 SH   SOLE   0 0 10,425
APPLE INC COM 037833100 516 6,044 SH   SOLE   0 0 6,044
APACHE CORP COM 037411105 205 2,750 SH   SOLE   0 0 2,750
ISHARES TR MSCI EMERG MKT 464287234 1,503 60,195 SH   SOLE   0 0 60,195
GENZYME CORP COM 372917104 290 4,375 SH   SOLE   0 0 4,375
TELEFONICA S A SPONSORED ADR 879382208 228 3,388 SH   SOLE   0 0 3,388
AXA SPONSORED ADR 054536107 343 15,258 SH   SOLE   0 0 15,258
DOW CHEM CO COM 260543103 3,690 244,506 SH   SOLE   0 0 244,506
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 70 13,730 SH   SOLE   0 0 13,730
MEDCO HEALTH SOLUTIONS INC COM 58405U102 255 6,082 SH   SOLE   0 0 6,082
SOUTHERN CO COM 842587107 399 10,772 SH   SOLE   0 0 10,772
ISHARES TR BARCLYS US AGG B 464287226 3,189 30,607 SH   SOLE   0 0 30,607
CENTURYTEL INC COM 156700106 1,088 39,813 SH   SOLE   0 0 39,813
SAP AKTIENGESELLSCHAFT SPONSORED ADR 803054204 214 5,922 SH   SOLE   0 0 5,922
CANON INC ADR 138006309 207 6,595 SH   SOLE   0 0 6,595
HANCOCK JOHN PATRIOT PREM II COM SH BEN INT 41013T105 123 17,351 SH   SOLE   0 0 17,351
STATOILHYDRO ASA SPONSORED ADR 85771P102 301 18,062 SH   SOLE   0 0 18,062
UBS AG SHS NEW H89231338 161 11,243 SH   SOLE   0 0 11,243
GOOGLE INC CL A 38259P508 358 1,163 SH   SOLE   0 0 1,163
AMERICAN FINL GROUP INC OHIO COM 025932104 1,116 48,767 SH   SOLE   0 0 48,767
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 367 6,924 SH   SOLE   0 0 6,924
CRH PLC ADR 12626K203 302 11,602 SH   SOLE   0 0 11,602
ENZO BIOCHEM INC COM 294100102 54 11,000 SH   SOLE   0 0 11,000
NUVEEN MUN VALUE FD INC COM 670928100 163 18,901 SH   SOLE   0 0 18,901
PROSPERITY BANCSHARES INC COM 743606105 1,108 37,458 SH   SOLE   0 0 37,458
ARGO GROUP INTL HLDGS LTD COM G0464B107 1,120 33,033 SH   SOLE   0 0 33,033
EMCOR GROUP INC COM 29084Q100 1,326 59,138 SH   SOLE   0 0 59,138
ISHARES TR MSCI GRW IDX 464288885 1,096 24,122 SH   SOLE   0 0 24,122
BHP BILLITON PLC SPONSORED ADR 05545E209 483 12,513 SH   SOLE   0 0 12,513
HEALTHSPRING INC COM 42224N101 1,061 53,129 SH   SOLE   0 0 53,129
MASTEC INC COM 576323109 1,781 153,808 SH   SOLE   0 0 153,808
GRUPO TELEVISA SA DE CV SP ADR REP ORD 40049J206 167 11,170 SH   SOLE   0 0 11,170
SPDR SERIES TRUST SHRT TERM MUNI 78464A425 7,125 302,953 SH   SOLE   0 0 302,953
VALLEY NATL BANCORP COM 919794107 221 10,918 SH   SOLE   0 0 10,918
MORGAN STANLEY EASTN EUR FD COM 616988101 87 10,455 SH   SOLE   0 0 10,455
BANK OF NEW YORK MELLON CORP COM 064058100 1,052 37,122 SH   SOLE   0 0 37,122
ISHARES TR S&P NATL MUN B 464288414 532 5,341 SH   SOLE   0 0 5,341
SPDR SERIES TRUST LEH MUN BD ETF 78464A458 3,662 170,945 SH   SOLE   0 0 170,945
SPDR SERIES TRUST LEHMN INTL ETF 78464A516 13,848 254,557 SH   SOLE   0 0 254,557
PHILIP MORRIS INTL INC COM 718172109 215 4,951 SH   SOLE   0 0 4,951
WAYNE SVGS BANCSHARES INC NE COM 94624Q101 114 15,137 SH   SOLE   0 0 15,137