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 INC MSCI HONG KONG 464286871 283 15,588 SH   SOLE   0 0 15,588
ISHARES TR S&P MIDCAP 400 464287507 777 9,705 SH   SOLE   0 0 9,705
ISHARES TR S&P SMLCP GROW 464287887 444 7,102 SH   SOLE   0 0 7,102
ISHARES TR RUSSELL 1000 464287622 558 8,835 SH   SOLE   0 0 8,835
ISHARES TR RUSSELL1000VAL 464287598 1,098 18,614 SH   SOLE   0 0 18,614
ISHARES TR RUSSELL1000GRW 464287614 789 15,356 SH   SOLE   0 0 15,356
ISHARES TR RUSSELL 2000 464287655 1,670 24,744 SH   SOLE   0 0 24,744
ISHARES TR RUSL 2000 VALU 464287630 479 7,719 SH   SOLE   0 0 7,719
ISHARES TR DJ US REAL EST 464287739 569 10,764 SH   SOLE   0 0 10,764
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,191 8,180 SH   SOLE   0 0 8,180
SPDR S&P 500 ETF TR TR UNIT 78462F103 267 2,342 SH   SOLE   0 0 2,342
AMAZON COM INC COM 023135106 498 3,173 SH   SOLE   0 0 3,173
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 926 11,202 SH   SOLE   0 0 11,202
E M C CORP MASS COM 268648102 229 11,256 SH   SOLE   0 0 11,256
EMERSON ELEC CO COM 291011104 398 7,549 SH   SOLE   0 0 7,549
ERICSSON L M TEL CO ADR B SEK 10 294821608 156 14,249 SH   SOLE   0 0 14,249
EXPEDITORS INTL WASH INC COM 302130109 266 5,762 SH   SOLE   0 0 5,762
MARATHON OIL CORP COM 565849106 787 23,790 SH   SOLE   0 0 23,790
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 330 6,265 SH   SOLE   0 0 6,265
AMGEN INC COM 031162100 250 4,529 SH   SOLE   0 0 4,529
ABBOTT LABS COM 002824100 580 11,112 SH   SOLE   0 0 11,112
BEST BUY INC COM 086516101 225 5,503 SH   SOLE   0 0 5,503
BP PLC SPONSORED ADR 055622104 336 8,172 SH   SOLE   0 0 8,172
ALTRIA GROUP INC COM 02209S103 265 11,020 SH   SOLE   0 0 11,020
INTEL CORP COM 458140100 555 28,890 SH   SOLE   0 0 28,890
ISHARES TR RUSL 2000 GROW 464287648 533 7,126 SH   SOLE   0 0 7,126
ORACLE CORP COM 68389X105 623 23,189 SH   SOLE   0 0 23,189
DU PONT E I DE NEMOURS & CO COM 263534109 246 5,522 SH   SOLE   0 0 5,522
QUALCOMM INC COM 747525103 341 7,550 SH   SOLE   0 0 7,550
DISNEY WALT CO COM DISNEY 254687106 471 14,244 SH   SOLE   0 0 14,244
US BANCORP DEL COM NEW 902973304 929 42,952 SH   SOLE   0 0 42,952
JOHNSON & JOHNSON COM 478160104 833 13,442 SH   SOLE   0 0 13,442
PFIZER INC COM 717081103 432 25,133 SH   SOLE   0 0 25,133
ISHARES TR MSCI EAFE IDX 464287465 8,243 150,099 SH   SOLE   0 0 150,099
CHEVRON CORP NEW COM 166764100 1,590 19,621 SH   SOLE   0 0 19,621
MICROSOFT CORP COM 594918104 355 14,492 SH   SOLE   0 0 14,492
AT&T INC COM 00206R102 630 22,032 SH   SOLE   0 0 22,032
CISCO SYS INC COM 17275R102 676 30,850 SH   SOLE   0 0 30,850
INTERNATIONAL BUSINESS MACHS COM 459200101 1,123 8,370 SH   SOLE   0 0 8,370
COCA COLA CO COM 191216100 571 9,760 SH   SOLE   0 0 9,760
PEPSICO INC COM 713448108 909 13,675 SH   SOLE   0 0 13,675
STRYKER CORP COM 863667101 231 4,615 SH   SOLE   0 0 4,615
VERIZON COMMUNICATIONS INC COM 92343V104 414 12,695 SH   SOLE   0 0 12,695
ISHARES INC MSCI CDA INDEX 464286509 423 15,079 SH   SOLE   0 0 15,079
ISHARES TR S&P NA NAT RES 464287374 3,817 109,873 SH   SOLE   0 0 109,873
ISHARES INC MSCI MALAYSIA 464286830 1,166 84,879 SH   SOLE   0 0 84,879
ISHARES INC MSCI TAIWAN 464286731 325 23,966 SH   SOLE   0 0 23,966
ISHARES INC MSCI BRAZIL 464286400 1,598 20,770 SH   SOLE   0 0 20,770
TIME WARNER INC COM NEW 887317303 750 24,469 SH   SOLE   0 0 24,469
SCHWAB CHARLES CORP NEW COM 808513105 161 11,579 SH   SOLE   0 0 11,579
BANK OF AMERICA CORPORATION COM 060505104 415 31,696 SH   SOLE   0 0 31,696
EXXON MOBIL CORP COM 30231G102 1,118 18,100 SH   SOLE   0 0 18,100
WAL MART STORES INC COM 931142103 522 9,752 SH   SOLE   0 0 9,752
UNION PAC CORP COM 907818108 1,223 14,949 SH   SOLE   0 0 14,949
TEXAS INSTRS INC COM 882508104 1,146 42,235 SH   SOLE   0 0 42,235
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 231 22,733 SH   SOLE   0 0 22,733
TARGET CORP COM 87612E106 402 7,519 SH   SOLE   0 0 7,519
COLGATE PALMOLIVE CO COM 194162103 252 3,275 SH   SOLE   0 0 3,275
CVS CAREMARK CORPORATION COM 126650100 224 7,111 SH   SOLE   0 0 7,111
DIAGEO P L C SPON ADR NEW 25243Q205 270 3,910 SH   SOLE   0 0 3,910
SCHLUMBERGER LTD COM 806857108 362 5,873 SH   SOLE   0 0 5,873
SIEMENS A G SPONSORED ADR 826197501 384 3,643 SH   SOLE   0 0 3,643
MERCK & CO INC NEW COM 58933Y105 1,759 47,789 SH   SOLE   0 0 47,789
FIFTH THIRD BANCORP COM 316773100 237 19,661 SH   SOLE   0 0 19,661
PROCTER & GAMBLE CO COM 742718109 1,008 16,803 SH   SOLE   0 0 16,803
GENERAL ELECTRIC CO COM 369604103 1,595 98,125 SH   SOLE   0 0 98,125
KIMBERLY CLARK CORP COM 494368103 262 4,021 SH   SOLE   0 0 4,021
GOLDMAN SACHS GROUP INC COM 38141G104 558 3,857 SH   SOLE   0 0 3,857
HSBC HLDGS PLC SPON ADR NEW 404280406 336 6,651 SH   SOLE   0 0 6,651
MCDONALDS CORP COM 580135101 500 6,709 SH   SOLE   0 0 6,709
JPMORGAN CHASE & CO COM 46625H100 885 23,261 SH   SOLE   0 0 23,261
TJX COS INC NEW COM 872540109 1,343 30,083 SH   SOLE   0 0 30,083
HEWLETT PACKARD CO COM 428236103 1,335 31,743 SH   SOLE   0 0 31,743
PRICELINE COM INC COM NEW 741503403 497 1,428 SH   SOLE   0 0 1,428
WELLS FARGO & CO NEW COM 949746101 617 24,549 SH   SOLE   0 0 24,549
ISHARES TR BARCLYS 1-3 YR 464287457 4,855 57,540 SH   SOLE   0 0 57,540
ISHARES TR BARCLYS 7-10 YR 464287440 237 2,394 SH   SOLE   0 0 2,394
CORNING INC COM 219350105 247 13,510 SH   SOLE   0 0 13,510
PRAXAIR INC COM 74005P104 204 2,258 SH   SOLE   0 0 2,258
FORD MTR CO DEL COM PAR $0.01 345370860 752 61,444 SH   SOLE   0 0 61,444
UNITEDHEALTH GROUP INC COM 91324P102 244 6,952 SH   SOLE   0 0 6,952
UNITED TECHNOLOGIES CORP COM 913017109 390 5,480 SH   SOLE   0 0 5,480
INTUIT COM 461202103 204 4,658 SH   SOLE   0 0 4,658
3M CO COM 88579Y101 529 6,096 SH   SOLE   0 0 6,096
HUNTINGTON BANCSHARES INC COM 446150104 230 40,487 SH   SOLE   0 0 40,487
CONOCOPHILLIPS COM 20825C104 347 6,048 SH   SOLE   0 0 6,048
CSX CORP COM 126408103 830 15,003 SH   SOLE   0 0 15,003
APPLE INC COM 037833100 1,790 6,308 SH   SOLE   0 0 6,308
CATERPILLAR INC DEL COM 149123101 355 4,516 SH   SOLE   0 0 4,516
APACHE CORP COM 037411105 336 3,436 SH   SOLE   0 0 3,436
ISHARES TR MSCI EMERG MKT 464287234 3,292 73,530 SH   SOLE   0 0 73,530
PPL CORP COM 69351T106 224 8,220 SH   SOLE   0 0 8,220
JOHNSON CTLS INC COM 478366107 228 7,475 SH   SOLE   0 0 7,475
CELGENE CORP COM 151020104 204 3,535 SH   SOLE   0 0 3,535
AES CORP COM 00130H105 636 55,994 SH   SOLE   0 0 55,994
ARCHER DANIELS MIDLAND CO COM 039483102 257 8,058 SH   SOLE   0 0 8,058
SIMON PPTY GROUP INC NEW COM 828806109 1,631 17,588 SH   SOLE   0 0 17,588
EL PASO CORP COM 28336L109 795 64,239 SH   SOLE   0 0 64,239
SPRINT NEXTEL CORP COM SER 1 852061100 51 11,101 SH   SOLE   0 0 11,101
DOW CHEM CO COM 260543103 5,696 207,426 SH   SOLE   0 0 207,426
GENERAL DYNAMICS CORP COM 369550108 208 3,313 SH   SOLE   0 0 3,313
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 154 18,142 SH   SOLE   0 0 18,142
SOUTHERN CO COM 842587107 296 7,941 SH   SOLE   0 0 7,941
PAYCHEX INC COM 704326107 513 18,657 SH   SOLE   0 0 18,657
NORTHROP GRUMMAN CORP COM 666807102 201 3,310 SH   SOLE   0 0 3,310
CIGNA CORP COM 125509109 657 18,351 SH   SOLE   0 0 18,351
PNC FINL SVCS GROUP INC COM 693475105 816 15,724 SH   SOLE   0 0 15,724
GENTEX CORP COM 371901109 254 13,030 SH   SOLE   0 0 13,030
ISHARES TR BARCLY USAGG B 464287226 6,201 57,071 SH   SOLE   0 0 57,071
ONEOK PARTNERS LP UNIT LTD PARTN 68268N103 542 7,238 SH   SOLE   0 0 7,238
ISHARES TR BARCLYS TIPS BD 464287176 11,017 101,017 SH   SOLE   0 0 101,017
INVESCO INSRD MUNI INCM TRST COM 46132P108 226 14,685 SH   SOLE   0 0 14,685
MEAD JOHNSON NUTRITION CO COM 582839106 491 8,636 SH   SOLE   0 0 8,636
FREEPORT-MCMORAN COPPER & GO COM 35671D857 325 3,804 SH   SOLE   0 0 3,804
HARRIS CORP DEL COM 413875105 609 13,760 SH   SOLE   0 0 13,760
COMERICA INC COM 200340107 202 5,429 SH   SOLE   0 0 5,429
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 307 4,768 SH   SOLE   0 0 4,768
REYNOLDS AMERICAN INC COM 761713106 615 10,360 SH   SOLE   0 0 10,360
SANOFI AVENTIS SPONSORED ADR 80105N105 298 8,974 SH   SOLE   0 0 8,974
ENTERPRISE PRODS PARTNERS L COM 293792107 320 8,071 SH   SOLE   0 0 8,071
METLIFE INC COM 59156R108 303 7,868 SH   SOLE   0 0 7,868
SINA CORP ORD G81477104 553 10,936 SH   SOLE   0 0 10,936
YUM BRANDS INC COM 988498101 206 4,483 SH   SOLE   0 0 4,483
COMPANHIA SIDERURGICA NACION SPONSORED ADR 20440W105 591 33,426 SH   SOLE   0 0 33,426
HANCOCK JOHN PATRIOT PREM II COM SH BEN INT 41013T105 208 17,910 SH   SOLE   0 0 17,910
MICROCHIP TECHNOLOGY INC COM 595017104 549 17,472 SH   SOLE   0 0 17,472
ICICI BK LTD ADR 45104G104 251 5,037 SH   SOLE   0 0 5,037
NOMURA HLDGS INC SPONSORED ADR 65535H208 53 11,109 SH   SOLE   0 0 11,109
GOOGLE INC CL A 38259P508 980 1,864 SH   SOLE   0 0 1,864
SPDR GOLD TRUST GOLD SHS 78463V107 5,597 43,759 SH   SOLE   0 0 43,759
INTUITIVE SURGICAL INC COM NEW 46120E602 217 764 SH   SOLE   0 0 764
JARDEN CORP COM 471109108 765 24,563 SH   SOLE   0 0 24,563
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 462 7,654 SH   SOLE   0 0 7,654
COMPANHIA DE BEBIDAS DAS AME SPON ADR PFD 20441W203 590 4,771 SH   SOLE   0 0 4,771
JOY GLOBAL INC COM 481165108 724 10,299 SH   SOLE   0 0 10,299
NUVEEN MUN VALUE FD INC COM 670928100 167 16,515 SH   SOLE   0 0 16,515
ALPHA NATURAL RESOURCES INC COM 02076X102 477 11,580 SH   SOLE   0 0 11,580
ROCK-TENN CO CL A 772739207 689 13,827 SH   SOLE   0 0 13,827
ELDORADO GOLD CORP NEW COM 284902103 228 12,335 SH   SOLE   0 0 12,335
THERMO FISHER SCIENTIFIC INC COM 883556102 264 5,523 SH   SOLE   0 0 5,523
BHP BILLITON PLC SPONSORED ADR 05545E209 229 3,576 SH   SOLE   0 0 3,576
PRECISION CASTPARTS CORP COM 740189105 253 1,984 SH   SOLE   0 0 1,984
ISHARES SILVER TRUST ISHARES 46428Q109 2,601 122,062 SH   SOLE   0 0 122,062
VONAGE HLDGS CORP COM 92886T201 33 12,948 SH   SOLE   0 0 12,948
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 7,300 300,176 SH   SOLE   0 0 300,176
VALLEY NATL BANCORP COM 919794107 158 12,250 SH   SOLE   0 0 12,250
ASSURED GUARANTY LTD COM G0585R106 550 32,143 SH   SOLE   0 0 32,143
PHILIPPINE LONG DISTANCE TEL SPONSORED ADR 718252604 489 8,165 SH   SOLE   0 0 8,165
HERBALIFE LTD COM USD SHS G4412G101 550 9,119 SH   SOLE   0 0 9,119
BARCLAYS BK PLC IPMS INDIA ETN 06739F291 1,050 13,866 SH   SOLE   0 0 13,866
ISHARES TR BARCLYS SH TREA 464288679 3,522 31,947 SH   SOLE   0 0 31,947
MORGAN STANLEY CHINA A SH FD COM 617468103 917 33,228 SH   SOLE   0 0 33,228
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 591 46,582 SH   SOLE   0 0 46,582
ISHARES TR BARCLYS MBS BD 464288588 211 1,936 SH   SOLE   0 0 1,936
BANK OF NEW YORK MELLON CORP COM 064058100 903 34,577 SH   SOLE   0 0 34,577
ISHARES TR BARCLYS 3-7 YR 464288661 1,283 10,851 SH   SOLE   0 0 10,851
PROSHARES TR ULTRA FNCLS NEW 74347X633 280 5,150 SH   SOLE   0 0 5,150
ISHARES TR S&P NTL AMTFREE 464288414 1,439 13,474 SH   SOLE   0 0 13,474
SPDR SERIES TRUST NUVN BRCLY MUNI 78464A458 2,876 122,132 SH   SOLE   0 0 122,132
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 1,232 20,550 SH   SOLE   0 0 20,550
CALPINE CORP COM NEW 131347304 716 57,507 SH   SOLE   0 0 57,507
ISHARES TR JPMORGAN USD 464288281 214 1,920 SH   SOLE   0 0 1,920
MERCADOLIBRE INC COM 58733R102 540 7,477 SH   SOLE   0 0 7,477
SPDR SERIES TRUST BRCLYS 1-3MT ETF 78464A680 4,288 93,513 SH   SOLE   0 0 93,513
ISHARES TR MSCI SMALL CAP 464288273 780 20,333 SH   SOLE   0 0 20,333
PHILIP MORRIS INTL INC COM 718172109 516 9,208 SH   SOLE   0 0 9,208
POWERSHARES ETF TRUST II COMPLTN PORTFLIO 73936Q306 501 44,239 SH   SOLE   0 0 44,239
WAYNE SVGS BANCSHARES INC NE COM 94624Q101 117 15,137 SH   SOLE   0 0 15,137
MBT FINL CORP COM 578877102 18 10,000 SH   SOLE   0 0 10,000
BANCO SANTANDER BRASIL S A ADS REP 1 UNIT 05967A107 138 10,024 SH   SOLE   0 0 10,024
PIEDMONT OFFICE REALTY TR IN COM CL A 720190206 323 17,055 SH   SOLE   0 0 17,055