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
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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
APPLE INC COM 037833100 377 3,580 SH   SOLE   0 0 3,580
AT&T INC COM 00206R102 318 9,254 SH   SOLE   0 0 9,254
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 619 28,828 SH   SOLE   0 0 28,828
BP PLC SPONSORED ADR 055622104 226 7,231 SH   SOLE   0 0 7,231
COLUMBIA PPTY TR INC COM NEW 198287203 353 15,020 SH   DFND   15,020 0 0
COLUMBIA PPTY TR INC COM NEW 198287203 612 26,080 SH   SOLE   0 0 26,080
EXXON MOBIL CORP COM 30231G102 584 7,492 SH   SOLE   0 0 7,492
FS INVT CORP COM 302635107 823 91,502 SH   SOLE   0 0 91,502
GREENBRIER COS INC COM 393657101 290 8,882 SH   SOLE   0 0 8,882
ISHARES AGGRES ALLOC ETF 464289859 353 7,873 SH   SOLE   0 0 7,873
ISHARES GRWT ALLOCAT ETF 464289867 449 11,548 SH   SOLE   0 0 11,548
ISHARES MODERT ALLOC ETF 464289875 445 13,063 SH   SOLE   0 0 13,063
ISHARES TR SELECT DIVID ETF 464287168 409 5,437 SH   SOLE   0 0 5,437
ISHARES TR CORE S&P500 ETF 464287200 4,626 22,578 SH   SOLE   0 0 22,578
ISHARES TR MSCI EMG MKT ETF 464287234 335 10,413 SH   SOLE   0 0 10,413
ISHARES TR IBOXX INV CP ETF 464287242 8,268 72,517 SH   SOLE   0 0 72,517
ISHARES TR CORE S&P MCP ETF 464287507 6,784 48,696 SH   SOLE   0 0 48,696
ISHARES TR RUS 2000 VAL ETF 464287630 1,093 11,888 SH   SOLE   0 0 11,888
ISHARES TR RUS 2000 GRW ETF 464287648 645 4,632 SH   SOLE   0 0 4,632
ISHARES TR NAT AMT FREE BD 464288414 1,815 16,391 SH   SOLE   0 0 16,391
ISHARES TR INTERM CR BD ETF 464288638 1,131 10,543 SH   SOLE   0 0 10,543
ISHARES TR 3-7 YR TR BD ETF 464288661 207 1,688 SH   SOLE   0 0 1,688
LILLY ELI & CO COM 532457108 247 2,936 SH   SOLE   0 0 2,936
MARKET VECTORS ETF TR MKTVEC INTMUETF 57060U845 1,424 59,414 SH   SOLE   0 0 59,414
MASCO CORP COM 574599106 328 11,605 SH   SOLE   0 0 11,605
PEPSICO INC COM 713448108 297 2,971 SH   SOLE   0 0 2,971
PHILIP MORRIS INTL INC COM 718172109 200 2,279 SH   DFND   2,279 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 253 2,558 SH   SOLE   0 0 2,558
POWERSHARES GLOBAL ETF TRUST SOVEREIGN DEBT 73936T573 3,864 141,475 SH   SOLE   0 0 141,475
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 560 13,965 SH   SOLE   0 0 13,965
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 519 26,608 SH   SOLE   0 0 26,608
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 636 16,492 SH   SOLE   0 0 16,492
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 262 5,078 SH   SOLE   0 0 5,078
SCHWAB STRATEGIC TR US REIT ETF 808524847 252 6,360 SH   SOLE   0 0 6,360
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 483 6,704 SH   SOLE   0 0 6,704
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 543 6,949 SH   SOLE   0 0 6,949
SIMMONS 1ST NATL CORP CL A $1 PAR 828730200 1,655 32,215 SH   SOLE   0 0 32,215
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 1,468 42,623 SH   SOLE   0 0 42,623
SPDR S&P 500 ETF TR TR UNIT 78462F103 641 3,144 SH   SOLE   0 0 3,144
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 4,384 129,278 SH   SOLE   0 0 129,278
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 814 33,398 SH   SOLE   0 0 33,398
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,499 16,364 SH   SOLE   0 0 16,364
TOMPKINS FINANCIAL CORPORATI COM 890110109 1,382 24,611 SH   SOLE   0 0 24,611
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,911 97,959 SH   SOLE   0 0 97,959
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,830 65,480 SH   SOLE   0 0 65,480
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 768 8,274 SH   SOLE   0 0 8,274
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,150 210,785 SH   SOLE   0 0 210,785
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,726 144,496 SH   SOLE   0 0 144,496
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,682 111,654 SH   SOLE   0 0 111,654
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 897 24,421 SH   SOLE   0 0 24,421
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 475 7,114 SH   SOLE   0 0 7,114
WALGREENS BOOTS ALLIANCE INC COM 931427108 355 4,169 SH   SOLE   0 0 4,169
WISDOMTREE TR DIV EX-FINL FD 97717W406 1,330 18,924 SH   SOLE   0 0 18,924
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 4,085 75,921 SH   SOLE   0 0 75,921