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
Abbott Laboratories COM 002824100 203,442 4,679 SH   SOLE   0 0 4,679
Abbvie Inc COM 00287Y109 267,586 4,157 SH   SOLE   0 0 4,157
Aetna Inc COM 008117AG8 30,241 25,000 SH   SOLE   0 0 25,000
Alphabet Inc Class A COM 02079K305 603,326 717 SH   SOLE   0 0 717
Alphabet Inc Class C COM 02079K107 427,822 519 SH   SOLE   0 0 519
Amgen Incorporated COM 031162AP5 244,575 1,500 SH   SOLE   0 0 1,500
Apple Computer Inc COM 037833100 508,211 3,584 SH   SOLE   0 0 3,584
Bank Of Montreal COM 063671101 259,350 3,500 SH   SOLE   0 0 3,500
Barclays Bank Plc COM 06741RBC4 24,839 25,000 SH   SOLE   0 0 25,000
Barclays Bank Plc COM 06738JGX6 20,597 20,000 SH   SOLE   0 0 20,000
Becton Dickinson & C COM 075887109 409,496 2,235 SH   SOLE   0 0 2,235
Blackrock Inc COM 09247X101 629,376 1,650 SH   SOLE   0 0 1,650
Bldrs Emerging Mkts ETF 09348R300 352,292 9,715 SH   SOLE   0 0 9,715
Caterpillar Inc COM 149123101 213,435 2,250 SH   SOLE   0 0 2,250
Celgene Corp COM 151020104 708,349 5,660 SH   SOLE   0 0 5,660
Cisco Systems Inc COM 17275R102 234,070 7,175 SH   SOLE   0 0 7,175
Citrix Systems Inc COM 177376100 296,725 3,575 SH   SOLE   0 0 3,575
Coca-Cola Company COM 191216100 293,151 6,827 SH   SOLE   0 0 6,827
Colgate-Palmolive Co COM 194162103 645,798 8,727 SH   SOLE   0 0 8,727
Comcast Corp New Cl COM 20030N101 306,896 8,230 SH   SOLE   0 0 8,230
Conocophillips COM 20826FAE6 20,354 20,000 SH   SOLE   0 0 20,000
D T E Energy Company COM 233331107 1,544,741 14,859 SH   SOLE   0 0 14,859
Dws Muni Income TRUS COM 23338M106 263,088 19,575 SH   SOLE   0 0 19,575
Electronic Arts COM 285512109 231,621 2,575 SH   SOLE   0 0 2,575
Emerson Electric Co COM 291011104 257,281 4,404 SH   SOLE   0 0 4,404
Energy Transfer Part COM 29273R109 248,906 6,980 SH   SOLE   0 0 6,980
Enterprise Prd Prtnr COM 293792107 465,596 16,700 SH   SOLE   0 0 16,700
Exxon Mobil Corporat COM 30231G102 426,631 5,142 SH   SOLE   0 0 5,142
Fiserv Inc COM 337738108 231,580 2,000 SH   SOLE   0 0 2,000
Ford Motor Company COM 345370860 188,069 16,747 SH   SOLE   0 0 16,747
General Dynamics Cor COM 369550108 479,825 2,575 SH   SOLE   0 0 2,575
General Electric Com COM 369604103 389,435 13,081 SH   SOLE   0 0 13,081
Georgia-Pacific COM 373298BN7 25,643 20,000 SH   SOLE   0 0 20,000
Goldman Sachs Group COM 38141G104 517,870 2,294 SH   SOLE   0 0 2,294
Home Depot COM 437076102 552,895 3,773 SH   SOLE   0 0 3,773
Honeywell Internatio COM 438516106 204,921 1,664 SH   SOLE   0 0 1,664
Intel Corp COM 458140AD2 338,944 9,512 SH   SOLE   0 0 9,512
Intl Business Machin COM 459200101 360,263 2,111 SH   SOLE   0 0 2,111
Ionis Pharmaceutical COM 462222100 650,967 16,543 SH   SOLE   0 0 16,543
iShares Barclays Agg ETF 464287226 1,387,466 12,713 SH   SOLE   0 0 12,713
iShares DJ Sel Divid ETF 464287168 776,199 8,510 SH   SOLE   0 0 8,510
iShares DJ US Energy COM 464287796 1,454,520 37,468 SH   SOLE   0 0 37,468
iShares Inc Msci Pac ETF 464286665 459,831 10,300 SH   SOLE   0 0 10,300
iShares Morngstar Mi ETF 464288307 798,384 4,625 SH   SOLE   0 0 4,625
iShares Msci Gwth Id ETF 464288885 1,587,885 22,784 SH   SOLE   0 0 22,784
iShares Nasdaq Bio E ETF 464287556 558,537 1,935 SH   SOLE   0 0 1,935
iShares New York Amt ETF 464288323 610,841 5,515 SH   SOLE   0 0 5,515
iShares R. Midcap Gr ETF 464287481 3,004,126 29,342 SH   SOLE   0 0 29,342
iShares R. Midcap Vl ETF 464287473 1,857,616 22,494 SH   SOLE   0 0 22,494
iShares R1000 Growth ETF 464287614 3,459,997 30,635 SH   SOLE   0 0 30,635
iShares R1000 Index ETF 464287622 1,332,757 10,220 SH   SOLE   0 0 10,220
iShares R1000 Value ETF 464287598 5,243,307 45,933 SH   SOLE   0 0 45,933
iShares R2000 Growth ETF 464287648 1,307,726 8,247 SH   SOLE   0 0 8,247
iShares R2000 Value ETF 464287630 365,465 3,145 SH   SOLE   0 0 3,145
iShares Russell Midc ETF 464287499 477,817 2,575 SH   SOLE   0 0 2,575
iShares S&P 500 ETF 464287200 606,689 2,575 SH   SOLE   0 0 2,575
iShares S&P Midcap G ETF 464287606 5,968,238 31,588 SH   SOLE   0 0 31,588
iShares S&P Nat'l Mu ETF 464288414 2,194,912 20,033 SH   SOLE   0 0 20,033
iShares S&P Small-Ca ETF 464287804 3,153,542 46,588 SH   SOLE   0 0 46,588
iShares S&P U S Pfd ETF 464288687 1,740,304 44,887 SH   SOLE   0 0 44,887
iShares SP 500 BA Gr ETF 464287309 2,675,421 20,468 SH   SOLE   0 0 20,468
iShares SP 500 BA Vl ETF 464287408 1,558,211 15,088 SH   SOLE   0 0 15,088
iShares SP 600 BA Gr ETF 464287887 4,870,611 32,535 SH   SOLE   0 0 32,535
iShares Tr Lehman Ti ETF 464287176 4,550,096 39,545 SH   SOLE   0 0 39,545
iShares Tr Msci Eafe ETF 464287465 1,589,099 25,634 SH   SOLE   0 0 25,634
iShares Tr S&P Midca ETF 464287507 1,141,790 6,741 SH   SOLE   0 0 6,741
iSharesTrust CI Emer ETF 464287234 647,192 16,463 SH   SOLE   0 0 16,463
Isoray Inc COM 46489V104 11,496 21,285 SH   SOLE   0 0 21,285
J P Morgan COM 46625H100 242,536 2,840 SH   SOLE   0 0 2,840
Johnson & Johnson COM 478160104 623,893 4,975 SH   SOLE   0 0 4,975
Johnson Controls Inc COM 478366107 487,078 11,909 SH   SOLE   0 0 11,909
Jpmorgan Chase COM 46625HJC5 26,805 25,000 SH   SOLE   0 0 25,000
Jpmorgan Chase B COM 628931AB3 31,693 25,000 SH   SOLE   0 0 25,000
Kimberly-Clark Corp COM 494368103 356,042 2,675 SH   SOLE   0 0 2,675
M S Emerging Mkts De COM 61744H105 317,870 33,250 SH   SOLE   0 0 33,250
Mastercard Inc COM 57636Q104 613,085 5,500 SH   SOLE   0 0 5,500
Mc Donalds Corp COM 580135101 327,624 2,496 SH   SOLE   0 0 2,496
Mfs Charter Income T COM 552727109 561,168 64,800 SH   SOLE   0 0 64,800
Mfs Multi Mkt Inc TR COM 552737108 234,120 38,255 SH   SOLE   0 0 38,255
Microsoft Corp COM 594918104 634,576 9,728 SH   SOLE   0 0 9,728
Minnesota Mining & M COM 88579Y101 469,128 2,473 SH   SOLE   0 0 2,473
NextEra Energy Inc COM 65339F101 217,951 1,670 SH   SOLE   0 0 1,670
Nike Inc Class B COM 654106103 250,065 4,500 SH   SOLE   0 0 4,500
Northern Mich Univ COM 665398KF9 31,310 30,000 SH   SOLE   0 0 30,000
Nuveen MI Qlty Incm COM 670979103 305,297 22,665 SH   SOLE   0 0 22,665
Nuveen Multi-Strat I COM 67073D102 255,735 28,995 SH   SOLE   0 0 28,995
Nuveen Preferred Inc COM 67073B106 666,451 67,115 SH   SOLE   0 0 67,115
O Reilly Automotive COM 67103H107 379,545 1,500 SH   SOLE   0 0 1,500
Oneok Partners LP COM 68268N103 329,989 6,103 SH   SOLE   0 0 6,103
Oracle Corporation COM 68389X105 516,667 11,694 SH   SOLE   0 0 11,694
Paycom Software Inc COM 70432V102 289,350 5,000 SH   SOLE   0 0 5,000
Pepsico Incorporated COM 713448108 320,721 2,823 SH   SOLE   0 0 2,823
Pfizer Incorporated COM 717081103 763,335 22,504 SH   SOLE   0 0 22,504
Plains All Amern Ppl COM 726503105 1,449,295 46,827 SH   SOLE   0 0 46,827
Pnm Resources Inc COM 744499AN4 12,445 11,666 SH   SOLE   0 0 11,666
PowerShares Emg Mkt ETF 73936T573 653,981 22,327 SH   SOLE   0 0 22,327
Powershares QQQ ETF 73935A104 8,485,032 64,810 SH   SOLE   0 0 64,810
Powershares Senior B ETF 73936Q769 581,679 24,954 SH   SOLE   0 0 24,954
Powershs Pharmaceuti ETF 73935X799 849,495 14,130 SH   SOLE   0 0 14,130
Pr Comwlth COM 74514LLZ8 6,144 10,000 SH   SOLE   0 0 10,000
Procter & Gamble Co COM 742718109 324,393 3,592 SH   SOLE   0 0 3,592
Rockwell Medical Tec COM 774374902 81,972 13,200 SH   SOLE   0 0 13,200
Roper Industries Inc COM 776696106 226,017 1,100 SH   SOLE   0 0 1,100
S J W Group COM 784305104 224,280 4,500 SH   SOLE   0 0 4,500
Schwab Emg Mkt Eq ET ETF 808524706 530,523 22,031 SH   SOLE   0 0 22,031
Schwab Intl Eq ETF ETF 808524805 277,928 9,339 SH   SOLE   0 0 9,339
Schwab US Brd Mkt ET ETF 808524102 3,063,419 54,114 SH   SOLE   0 0 54,114
Schwab US LCap ETF 808524201 990,645 17,724 SH   SOLE   0 0 17,724
Schwab US LCap Growt ETF 808524300 3,338,824 55,600 SH   SOLE   0 0 55,600
Schwab US LCap Value ETF 808524409 916,133 18,564 SH   SOLE   0 0 18,564
Schwab US Mid-Cap ET ETF 808524508 968,708 20,654 SH   SOLE   0 0 20,654
Schwab US SmallCap E ETF 808524607 3,435,783 55,335 SH   SOLE   0 0 55,335
Sector Spdr Util Sel ETF 81369Y886 2,194,420 42,322 SH   SOLE   0 0 42,322
SPDR DJ Indust Avg ETF 78467X109 4,665,087 22,682 SH   SOLE   0 0 22,682
SPDR S&P 500 ETF ETF 78462F103 451,209 1,928 SH   SOLE   0 0 1,928
SPDR S&P 500 Growth ETF 78464A409 5,602,343 49,591 SH   SOLE   0 0 49,591
Spdr S&P 600 Small C ETF 78464A201 206,264 991 SH   SOLE   0 0 991
SPDR S&P Dividend ET ETF 78464A763 9,601,949 109,498 SH   SOLE   0 0 109,498
Spdr S&P Emerging As ETF 78463X301 850,134 9,847 SH   SOLE   0 0 9,847
Spdr S&P Regional Bk ETF 78464A698 364,527 6,900 SH   SOLE   0 0 6,900
Stryker Corp COM 863667101 208,656 1,600 SH   SOLE   0 0 1,600
The Charles Schwab C COM 808513105 345,600 9,000 SH   SOLE   0 0 9,000
Thermo Fisher Scient COM 883556102 567,151 3,720 SH   SOLE   0 0 3,720
Time Warner Incorpor COM 887317303 1,011,298 10,241 SH   SOLE   0 0 10,241
Union Pacific Corp COM 907818108 347,890 3,295 SH   SOLE   0 0 3,295
United Healthcare Co COM 91324P102 985,082 5,950 SH   SOLE   0 0 5,950
Vanguard Bond Index ETF 921937819 985,516 11,687 SH   SOLE   0 0 11,687
Vanguard Div Apprcia ETF 921908844 9,980,977 111,844 SH   SOLE   0 0 111,844
Vanguard Energy COM 921908802 840,932 16,190 SH   SOLE   0 0 16,190
Vanguard Energy Fund COM 921908802 980,023 10,055 SH   SOLE   0 0 10,055
Vanguard Extended Mk ETF 922908652 960,947 9,739 SH   SOLE   0 0 9,739
Vanguard FTSE All Wo ETF 922042718 565,458 5,490 SH   SOLE   0 0 5,490
Vanguard FTSE All-Wo ETF 922042775 364,657 7,640 SH   SOLE   0 0 7,640
Vanguard Growth ETF 922908736 896,325 7,415 SH   SOLE   0 0 7,415
Vanguard Health Care ETF 92204A504 2,055,603 14,995 SH   SOLE   0 0 14,995
Vanguard Materials COM 92204A801 4,710,899 40,120 SH   SOLE   0 0 40,120
Vanguard REIT ETF COM 922908553 8,466,024 100,237 SH   SOLE   0 0 100,237
Vanguard Small Cap ETF 922908751 1,142,821 8,690 SH   SOLE   0 0 8,690
Vanguard Small Cap G ETF 922908595 2,218,581 15,954 SH   SOLE   0 0 15,954
Vanguard Small Cap V ETF 922908611 1,838,286 15,168 SH   SOLE   0 0 15,168
Walgreens Boots Alli COM 931427108 220,131 2,666 SH   SOLE   0 0 2,666
Walt Disney Company COM 254687106 587,129 5,194 SH   SOLE   0 0 5,194
Wells Fargo Bank COM 94974BFN5 26,307 25,000 SH   SOLE   0 0 25,000
Wisdomtree Hedged Eu ETF 97717X701 2,726,119 43,513 SH   SOLE   0 0 43,513
WisdomTree Int'l LCa ETF 97717W794 434,811 9,611 SH   SOLE   0 0 9,611
Wisdomtree Intl Mdcp ETF 97717W778 445,099 7,390 SH   SOLE   0 0 7,390
Wisdomtree Large Cap ETF 97717W307 690,778 8,368 SH   SOLE   0 0 8,368
WisdomTree MidCap Di ETF 97717W505 2,421,014 24,974 SH   SOLE   0 0 24,974
Wisdomtree SmallCap ETF 97717W604 8,739,402 109,475 SH   SOLE   0 0 109,475
Wisdomtree US SmallC ETF 97717X651 861,073 26,461 SH   SOLE   0 0 26,461