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 00287Y109 260,311 4,157 SH   SOLE   0 0 4,157
Aetna Inc COM 008117AG8 29,709 25,000 SH   SOLE   0 0 25,000
Alphabet Inc Class A COM 02079K305 568,186 717 SH   SOLE   0 0 717
Alphabet Inc Class C COM 02079K107 400,574 519 SH   SOLE   0 0 519
Amgen Incorporated COM 031162AP5 233,936 1,600 SH   SOLE   0 0 1,600
Apple Computer Inc COM 378331000 444,053 3,834 SH   SOLE   0 0 3,834
Bank Of Montreal COM 636711010 251,720 3,500 SH   SOLE   0 0 3,500
Barclays Bank Plc COM 06741RBC4 24,548 25,000 SH   SOLE   0 0 25,000
Barclays Bank Plc COM 06738JGX6 20,449 20,000 SH   SOLE   0 0 20,000
Becton Dickinson & C COM 758871090 370,004 2,235 SH   SOLE   0 0 2,235
Blackrock Inc COM 09247X101 627,891 1,650 SH   SOLE   0 0 1,650
Bldrs Emerging Mkts ETF 09348R300 334,303 10,365 SH   SOLE   0 0 10,365
Caterpillar Inc COM 149123101 278,220 3,000 SH   SOLE   0 0 3,000
Celgene Corp COM 151020104 655,145 5,660 SH   SOLE   0 0 5,660
Cisco Systems Inc COM 17275R102 216,809 7,174 SH   SOLE   0 0 7,174
Citrix Systems Inc COM 177376100 319,283 3,575 SH   SOLE   0 0 3,575
Coca-Cola Company COM 191216100 283,047 6,827 SH   SOLE   0 0 6,827
Colgate-Palmolive Co COM 194162103 597,270 9,127 SH   SOLE   0 0 9,127
Comcast Corp New Cl COM 20030N101 284,140 4,115 SH   SOLE   0 0 4,115
Conocophillips COM 20826FAE6 20,126 20,000 SH   SOLE   0 0 20,000
D T E Energy Company COM 233331107 1,475,679 14,980 SH   SOLE   0 0 14,980
Dws Muni Income TRUS COM 23338M106 256,824 19,575 SH   SOLE   0 0 19,575
Electronic Arts COM 285512109 202,807 2,575 SH   SOLE   0 0 2,575
Emerson Electric Co COM 291011104 323,015 5,794 SH   SOLE   0 0 5,794
Energy Transfer Part COM 29273R109 249,953 6,980 SH   SOLE   0 0 6,980
Enterprise Prd Prtnr COM 293792107 451,568 16,700 SH   SOLE   0 0 16,700
Exxon Mobil Corporat COM 30231G102 500,672 5,547 SH   SOLE   0 0 5,547
Fiserv Inc COM 337738108 212,560 2,000 SH   SOLE   0 0 2,000
Ford Motor Company COM 345370860 202,935 16,730 SH   SOLE   0 0 16,730
General Dynamics Cor COM 369550108 444,599 2,575 SH   SOLE   0 0 2,575
General Electric Com COM 369604103 412,840 13,064 SH   SOLE   0 0 13,064
Georgia-Pacific COM 373298BN7 25,134 20,000 SH   SOLE   0 0 20,000
Goldman Sachs Group COM 38141G104 549,298 2,294 SH   SOLE   0 0 2,294
Home Depot COM 437076102 505,883 3,773 SH   SOLE   0 0 3,773
Honeywell Internatio COM 438516106 206,676 1,784 SH   SOLE   0 0 1,784
Intel Corp COM 458140AD2 344,992 9,511 SH   SOLE   0 0 9,511
Intl Business Machin COM 459200101 350,404 2,111 SH   SOLE   0 0 2,111
Ionis Pharmaceutical COM 462222100 791,251 16,543 SH   SOLE   0 0 16,543
iShares Barclays Agg ETF 464287226 1,332,052 12,326 SH   SOLE   0 0 12,326
iShares DJ Sel Divid ETF 464287168 752,651 8,497 SH   SOLE   0 0 8,497
iShares DJ US Energy COM 464287796 1,673,784 40,293 SH   SOLE   0 0 40,293
iShares Inc Msci Pac ETF 464286665 357,747 9,040 SH   SOLE   0 0 9,040
iShares Morngstar Mi ETF 464288307 749,300 4,624 SH   SOLE   0 0 4,624
iShares Msci Gwth Id ETF 464288885 1,489,707 23,389 SH   SOLE   0 0 23,389
iShares Nasdaq Bio E ETF 464287556 513,510 1,935 SH   SOLE   0 0 1,935
iShares New York Amt ETF 464288323 581,472 5,340 SH   SOLE   0 0 5,340
iShares R. Midcap Gr ETF 464287481 2,868,241 29,451 SH   SOLE   0 0 29,451
iShares R. Midcap Vl ETF 464287473 1,805,106 22,443 SH   SOLE   0 0 22,443
iShares R1000 Growth ETF 464287614 3,190,612 30,415 SH   SOLE   0 0 30,415
iShares R1000 Index ETF 464287622 1,111,253 8,928 SH   SOLE   0 0 8,928
iShares R1000 Value ETF 464287598 4,942,284 44,115 SH   SOLE   0 0 44,115
iShares R2000 Growth ETF 464287648 1,269,543 8,247 SH   SOLE   0 0 8,247
iShares R2000 Value ETF 464287630 381,589 3,208 SH   SOLE   0 0 3,208
iShares Russell Midc ETF 464287499 460,564 2,575 SH   SOLE   0 0 2,575
iShares S&P 500 ETF 464287200 558,790 2,483 SH   SOLE   0 0 2,483
iShares S&P Midcap G ETF 464287606 5,448,728 29,905 SH   SOLE   0 0 29,905
iShares S&P Nat'l Mu ETF 464288414 2,219,866 20,520 SH   SOLE   0 0 20,520
iShares S&P Small-Ca ETF 464287804 3,102,973 22,563 SH   SOLE   0 0 22,563
iShares S&P U S Pfd ETF 464288687 1,688,946 45,389 SH   SOLE   0 0 45,389
iShares SP 500 BA Gr ETF 464287309 2,527,163 20,750 SH   SOLE   0 0 20,750
iShares SP 500 BA Vl ETF 464287408 1,533,802 15,129 SH   SOLE   0 0 15,129
iShares SP 600 BA Gr ETF 464287887 4,678,136 31,187 SH   SOLE   0 0 31,187
iShares Tr Lehman Ti ETF 464287176 3,510,978 31,023 SH   SOLE   0 0 31,023
iShares Tr Msci Eafe ETF 464287465 1,475,565 25,559 SH   SOLE   0 0 25,559
iShares Tr S&P Midca ETF 464287507 997,661 6,034 SH   SOLE   0 0 6,034
iSharesTrust CI Emer ETF 464287234 576,398 16,463 SH   SOLE   0 0 16,463
Isoray Inc COM 46489V104 12,345 21,285 SH   SOLE   0 0 21,285
J P Morgan COM 46625H100 245,063 2,840 SH   SOLE   0 0 2,840
Johnson & Johnson COM 478160104 573,195 4,975 SH   SOLE   0 0 4,975
Johnson Controls Inc COM 478366107 653,232 15,859 SH   SOLE   0 0 15,859
Keysight Technologie COM 49338L103 204,536 5,593 SH   SOLE   0 0 5,593
Kimberly-Clark Corp COM 494368103 305,271 2,675 SH   SOLE   0 0 2,675
M S Emerging Mkts De COM 61744H105 302,575 33,250 SH   SOLE   0 0 33,250
Mastercard Inc COM 57636Q104 567,875 5,500 SH   SOLE   0 0 5,500
Mc Donalds Corp COM 580135101 303,813 2,496 SH   SOLE   0 0 2,496
Mfs Charter Income T COM 552727109 586,176 68,800 SH   SOLE   0 0 68,800
Mfs Multi Mkt Inc TR COM 552737108 231,825 38,255 SH   SOLE   0 0 38,255
Microsoft Corp COM 594918104 712,534 11,466 SH   SOLE   0 0 11,466
Minnesota Mining & M COM 88579Y101 455,889 2,553 SH   SOLE   0 0 2,553
Nike Inc Class B COM 654106103 228,735 4,500 SH   SOLE   0 0 4,500
Northern Mich Univ COM 665398KF9 31,450 30,000 SH   SOLE   0 0 30,000
Nuveen MI Qlty Incm COM 670979103 302,351 22,665 SH   SOLE   0 0 22,665
Nuveen Multi-Strat I COM 67073D102 275,766 31,160 SH   SOLE   0 0 31,160
Nuveen Preferred Inc COM 67073B106 682,305 69,340 SH   SOLE   0 0 69,340
OReilly Automotive COM 67103H107 417,615 1,500 SH   SOLE   0 0 1,500
Oneok Partners LP COM 68268N103 262,490 6,103 SH   SOLE   0 0 6,103
Oracle Corporation COM 68389X105 449,649 11,694 SH   SOLE   0 0 11,694
Paycom Software Inc COM 70432V102 227,450 5,000 SH   SOLE   0 0 5,000
Pepsico Incorporated COM 713448108 295,370 2,823 SH   SOLE   0 0 2,823
Pfizer Incorporated COM 717081103 730,929 22,504 SH   SOLE   0 0 22,504
Plains All Amern Ppl COM 726503105 1,512,043 46,827 SH   SOLE   0 0 46,827
Pnm Resources Inc COM 744499AN4 12,620 11,666 SH   SOLE   0 0 11,666
PowerShares Emg Mkt ETF 73936T573 375,713 13,294 SH   SOLE   0 0 13,294
Powershares QQQ ETF 73935A104 7,573,473 63,921 SH   SOLE   0 0 63,921
PowerShares S&P 500 ETF 73937B779 225,358 5,419 SH   SOLE   0 0 5,419
Powershares Senior B ETF 73936Q769 582,053 24,916 SH   SOLE   0 0 24,916
Powershs Pharmaceuti ETF 73935X799 835,967 14,920 SH   SOLE   0 0 14,920
Pr Comwlth COM 74514LLZ8 6,240 10,000 SH   SOLE   0 0 10,000
Procter & Gamble Co COM 742718109 360,198 4,284 SH   SOLE   0 0 4,284
Rockwell Medical Tec COM 774374902 86,460 13,200 SH   SOLE   0 0 13,200
Roper Industries Inc COM 776696106 201,388 1,100 SH   SOLE   0 0 1,100
S J W Group COM 784305104 251,910 4,500 SH   SOLE   0 0 4,500
Schwab Emg Mkt Eq ET ETF 808524706 418,085 19,391 SH   SOLE   0 0 19,391
Schwab Intl Eq ETF ETF 808524805 243,528 8,798 SH   SOLE   0 0 8,798
Schwab US Brd Mkt ET ETF 808524102 2,915,113 53,804 SH   SOLE   0 0 53,804
Schwab US LCap ETF 808524201 875,330 16,435 SH   SOLE   0 0 16,435
Schwab US LCap Growt ETF 808524300 2,956,554 52,956 SH   SOLE   0 0 52,956
Schwab US LCap Value ETF 808524409 834,313 17,349 SH   SOLE   0 0 17,349
Schwab US Mid-Cap ET ETF 808524508 838,411 18,569 SH   SOLE   0 0 18,569
Schwab US SmallCap E ETF 808524607 3,518,370 57,227 SH   SOLE   0 0 57,227
Sector Spdr Util Sel ETF 81369Y886 2,061,963 42,453 SH   SOLE   0 0 42,453
SPDR DJ Indust Avg ETF 78467X109 4,533,151 22,951 SH   SOLE   0 0 22,951
SPDR S&P 500 ETF ETF 78462F103 468,965 2,098 SH   SOLE   0 0 2,098
SPDR S&P 500 Growth ETF 78464A409 5,222,688 49,584 SH   SOLE   0 0 49,584
SPDR S&P Dividend ET ETF 78464A763 9,113,195 106,512 SH   SOLE   0 0 106,512
Spdr S&P Emerging As ETF 78463X301 707,911 9,422 SH   SOLE   0 0 9,422
Spdr S&P Regional Bk ETF 78464A698 383,433 6,900 SH   SOLE   0 0 6,900
The Charles Schwab C COM 808513204 355,230 9,000 SH   SOLE   0 0 9,000
Thermo Fisher Scient COM 883556102 524,892 3,720 SH   SOLE   0 0 3,720
Time Warner Incorpor COM 887317303 988,563 10,241 SH   SOLE   0 0 10,241
Union Pacific Corp COM 907818108 341,662 3,295 SH   SOLE   0 0 3,295
United Healthcare Co COM 91324P102 952,238 5,950 SH   SOLE   0 0 5,950
Vanguard Bond Index ETF 921937819 1,019,389 12,271 SH   SOLE   0 0 12,271
Vanguard Div Apprcia ETF 921908844 9,546,339 112,072 SH   SOLE   0 0 112,072
Vanguard Energy ETF COM 92204A306 222,445 2,125 SH   SOLE   0 0 2,125
Vanguard Energy Fund COM 921908802 1,011,931 10,049 SH   SOLE   0 0 10,049
Vanguard Extended Mk ETF 922908652 933,970 9,739 SH   SOLE   0 0 9,739
Vanguard FTSE All Wo ETF 922042718 492,221 5,234 SH   SOLE   0 0 5,234
Vanguard FTSE All-Wo ETF 922042775 319,421 7,230 SH   SOLE   0 0 7,230
Vanguard Growth ETF 922908736 797,082 7,150 SH   SOLE   0 0 7,150
Vanguard Health Care ETF 92204A504 1,974,023 15,571 SH   SOLE   0 0 15,571
Vanguard Materials COM 92204A801 4,537,851 40,357 SH   SOLE   0 0 40,357
Vanguard REIT ETF COM 922908553 7,875,622 95,427 SH   SOLE   0 0 95,427
Vanguard Small Cap ETF 922908751 1,128,400 8,750 SH   SOLE   0 0 8,750
Vanguard Small Cap G ETF 922908595 2,142,067 16,088 SH   SOLE   0 0 16,088
Vanguard Small Cap V ETF 922908611 1,632,979 13,495 SH   SOLE   0 0 13,495
Walgreens Boots Alli COM 931427108 220,638 2,666 SH   SOLE   0 0 2,666
Walt Disney Company COM 254687106 541,318 5,194 SH   SOLE   0 0 5,194
Wells Fargo Bank COM 94974BFN5 25,839 25,000 SH   SOLE   0 0 25,000
Wisdomtree Hedged Eu ETF 97717X701 2,520,576 43,912 SH   SOLE   0 0 43,912
WisdomTree Int'l LCa ETF 97717W794 410,739 9,592 SH   SOLE   0 0 9,592
Wisdomtree Intl Mdcp ETF 97717W778 409,184 7,390 SH   SOLE   0 0 7,390
Wisdomtree Large Cap ETF 97717W307 658,615 8,243 SH   SOLE   0 0 8,243
WisdomTree MidCap Di ETF 97717W505 2,031,768 21,527 SH   SOLE   0 0 21,527
Wisdomtree SmallCap ETF 97717W604 9,012,178 108,947 SH   SOLE   0 0 108,947
Wisdomtree US SmallC ETF 97717X651 877,824 25,825 SH   SOLE   0 0 25,825