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
Marsh & McLennan Companies Inc COM 571748102 201 2,980 SH   SOLE NONE 0 0 2,980
Vanguard FTSE All-World ex-US ETF ALLWRLD EX US 922042775 204 4,625 SH   SOLE NONE 0 0 4,625
TJX Companies Inc COM 872540109 209 2,793 SH   SOLE NONE 0 0 2,793
Abbvie Inc COM 00287Y109 211 3,370 SH   SOLE NONE 0 0 3,370
VANGUARD CRSP US SMALL CAP IND EX SMALL CP ETF 922908751 213 1,653 SH   SOLE NONE 0 0 1,653
SMUCKER J M CO COM COM NEW 832696405 214 1,675 SH   SOLE NONE 0 0 1,675
Illinois Tool Works Inc COM 452308109 215 1,758 SH   SOLE NONE 0 0 1,758
Texas Instruments Inc COM 882508104 217 2,981 SH   SOLE NONE 0 0 2,981
Abbott Laboratories COM 002824100 223 5,813 SH   SOLE NONE 0 0 5,813
Emerson Electric Co COM 291011104 232 4,170 SH   SOLE NONE 0 0 4,170
Howard Hughes Corp COM 44267D107 244 2,147 SH   SOLE NONE 0 0 2,147
General Growth Pptys COM 370023103 249 10,000 SH   SOLE NONE 0 0 10,000
General Mills Inc COM 370334104 250 4,059 SH   SOLE NONE 0 0 4,059
Colgate-Palmolive Co COM 194162103 260 3,980 SH   SOLE NONE 0 0 3,980
Chevron Corporation COM 166764100 264 2,243 SH   SOLE NONE 0 0 2,243
Danaher Corp Del COM 235851102 264 3,396 SH   SOLE NONE 0 0 3,396
AT&T COM 00206R102 272 6,399 SH   SOLE NONE 0 0 6,399
Schlumberger Limited. COM 806857108 283 3,374 SH   SOLE NONE 0 0 3,374
Air Prod & Chemicals Inc COM 009158106 285 1,983 SH   SOLE NONE 0 0 1,983
VALERO ENERGY CORP NEW COM COM 91913Y100 295 4,325 SH   SOLE NONE 0 0 4,325
iShares Inv. Grade Corp. Bonds A RATE CP BD ETF 46429B291 309 6,033 SH   SOLE NONE 0 0 6,033
Medtronic Inc SHS G5960L103 320 4,493 SH   SOLE NONE 0 0 4,493
Occidental Pete Corp COM 674599105 325 4,565 SH   SOLE NONE 0 0 4,565
Mattel Incorporated COM 577081102 328 11,920 SH   SOLE NONE 0 0 11,920
Starbucks Corp COM 855244109 334 6,022 SH   SOLE NONE 0 0 6,022
Berkshire Hathaway Inc CL B NEW 084670702 338 2,075 SH   SOLE NONE 0 0 2,075
Intel Corp COM 458140100 342 9,453 SH   SOLE NONE 0 0 9,453
Merck & Co Inc New COM 58933Y105 351 5,979 SH   SOLE NONE 0 0 5,979
Nike Inc CL B 654106103 372 7,330 SH   SOLE NONE 0 0 7,330
Bristol-Myers Squibb Co COM 110122108 377 6,461 SH   SOLE NONE 0 0 6,461
Wells Fargo & Co COM 949746101 380 6,913 SH   SOLE NONE 0 0 6,913
National Grid Plc SPON ADR NEW 636274300 393 6,738 SH   SOLE NONE 0 0 6,738
Glaxosmithkline Plc SPONSORED ADR 37733W105 404 10,513 SH   SOLE NONE 0 0 10,513
TELUS Corporation COM 87971M103 432 13,565 SH   SOLE NONE 0 0 13,565
Helmerich & Payne COM 423452101 454 5,871 SH   SOLE NONE 0 0 5,871
Nielsen SHS EUR G6518L108 464 11,081 SH   SOLE NONE 0 0 11,081
Kraft Heinz Company COM 500754106 465 5,330 SH   SOLE NONE 0 0 5,330
Duke Energy Corp New Com New Isin #us264 COM NEW 26441C204 466 6,006 SH   SOLE NONE 0 0 6,006
Stryker Corp COM 863667101 470 3,930 SH   SOLE NONE 0 0 3,930
H&R Block COM 093671105 479 20,860 SH   SOLE NONE 0 0 20,860
POWERSHARES DYNAMIC LARGE CAP VALUE PORT DYNM LRG CP VL 73935X708 483 14,348 SH   SOLE NONE 0 0 14,348
United Technologies Corp COM 913017109 547 4,999 SH   SOLE NONE 0 0 4,999
Raytheon Company COM NEW 755111507 551 3,883 SH   SOLE NONE 0 0 3,883
Anheuser-Busch Inbev SPONSORED ADR 03524A108 562 5,330 SH   SOLE NONE 0 0 5,330
AMGEN INC COM COM 031162100 586 4,013 SH   SOLE NONE 0 0 4,013
General Motors Co COM 37045V100 593 17,026 SH   SOLE NONE 0 0 17,026
Johnson Ctls Intl Plc SHS G51502105 611 14,846 SH   SOLE NONE 0 0 14,846
Automatic Data Processing COM 053015103 629 6,128 SH   SOLE NONE 0 0 6,128
Coach Inc COM 189754104 634 18,111 SH   SOLE NONE 0 0 18,111
Gilead Sciences Inc COM 375558103 641 8,952 SH   SOLE NONE 0 0 8,952
Johnson & Johnson COM 478160104 683 5,930 SH   SOLE NONE 0 0 5,930
Invesco Ltd SHS G491BT108 695 22,908 SH   SOLE NONE 0 0 22,908
C V S Health Corporation COM 126650100 700 8,875 SH   SOLE NONE 0 0 8,875
Eaton Corp Plc Com SHS G29183103 721 10,759 SH   SOLE NONE 0 0 10,759
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 751 6,747 SH   SOLE NONE 0 0 6,747
Broadridge Financial Solutions, Inc COM 11133T103 756 11,410 SH   SOLE NONE 0 0 11,410
LyondellBasell Industries SHS - A - N53745100 764 8,911 SH   SOLE NONE 0 0 8,911
Goldman Sachs Group Inc COM 38141G104 767 3,205 SH   SOLE NONE 0 0 3,205
Cisco Systems Inc COM 17275R102 767 25,408 SH   SOLE NONE 0 0 25,408
McDonald's Corp COM 580135101 770 6,331 SH   SOLE NONE 0 0 6,331
VF Corporation COM 918204108 792 14,854 SH   SOLE NONE 0 0 14,854
Phillips COM 718546104 817 9,456 SH   SOLE NONE 0 0 9,456
General Electric Company COM 369604103 824 26,080 SH   SOLE NONE 0 0 26,080
Cardinal Health Inc COM 14149Y108 839 11,660 SH   SOLE NONE 0 0 11,660
Honeywell International COM 438516106 845 7,295 SH   SOLE NONE 0 0 7,295
Pfizer Incorporated COM 717081103 855 26,331 SH   SOLE NONE 0 0 26,331
Home Depot Inc COM 437076102 869 6,488 SH   SOLE NONE 0 0 6,488
PepsiCo, Inc. COM 713448108 872 8,337 SH   SOLE NONE 0 0 8,337
Mastercard Inc CL A 57636Q104 884 8,562 SH   SOLE NONE 0 0 8,562
Procter & Gamble COM 742718109 899 10,702 SH   SOLE NONE 0 0 10,702
Qualcomm Inc COM 747525103 918 14,087 SH   SOLE NONE 0 0 14,087
Dominion Resources, Inc COM 25746U109 926 12,102 SH   SOLE NONE 0 0 12,102
Microchip Technology COM 595017104 927 14,454 SH   SOLE NONE 0 0 14,454
Agrium Inc COM 008916108 932 9,275 SH   SOLE NONE 0 0 9,275
Pnc Finl Services Gp Inc COM 693475105 969 8,291 SH   SOLE NONE 0 0 8,291
Accenture Plc Cl A SHS CLASS A G1151C101 973 8,307 SH   SOLE NONE 0 0 8,307
TE Connectivity Ltd REG SHS H84989104 984 14,208 SH   SOLE NONE 0 0 14,208
3m Company COM 88579Y101 984 5,513 SH   SOLE NONE 0 0 5,513
Boeing Co COM 097023105 994 6,385 SH   SOLE NONE 0 0 6,385
Chubb Corp COM H1467J104 1,017 7,701 SH   SOLE NONE 0 0 7,701
Walt Disney Co COM DISNEY 254687106 1,053 10,111 SH   SOLE NONE 0 0 10,111
Union Pacific Corp COM 907818108 1,068 10,303 SH   SOLE NONE 0 0 10,303
Citizens Finl Group Inc Com COM 174610105 1,091 30,639 SH   SOLE NONE 0 0 30,639
Exxon Mobil Corp COM 30231G102 1,151 12,761 SH   SOLE NONE 0 0 12,761
Microsoft Corp COM 594918104 1,177 18,947 SH   SOLE NONE 0 0 18,947
Verizon Communications COM 92343V104 1,193 22,350 SH   SOLE NONE 0 0 22,350
Apple COM 037833100 1,222 10,558 SH   SOLE NONE 0 0 10,558
PowerShares S&P 500 Low Vol. ETF S&P500 LOW VOL 73937B779 1,278 30,759 SH   SOLE NONE 0 0 30,759
JPMorgan Chase & Co. COM 46625H100 1,571 18,209 SH   SOLE NONE 0 0 18,209
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 3,398 39,897 SH   SOLE NONE 0 0 39,897
iShares TIPS Bond ETF TIPS BD ETF 464287176 4,303 38,025 SH   SOLE NONE 0 0 38,025
iShares Gold Trust ETF ISHARES 464285105 4,446 401,341 SH   SOLE NONE 0 0 401,341
SPDR S&P 500 ETF TR UNIT 78462F103 4,616 20,653 SH   SOLE NONE 0 0 20,653
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 4,737 58,636 SH   SOLE NONE 0 0 58,636
Vanguard Total Stock Mkt ETF TOTAL STK MKT 922908769 4,853 42,090 SH   SOLE NONE 0 0 42,090
Powershs Nasdaq-100 ETF UNIT SER 1 73935A104 5,032 42,473 SH   SOLE NONE 0 0 42,473
SPDR Barclays Intermediate Corp. Bond ETF BLOMBRG BRC INTR 78464A375 5,112 150,759 SH   SOLE NONE 0 0 150,759
Vanguard Emerging Markets ETF FTSE EMR MKT ETF 922042858 5,587 156,157 SH   SOLE NONE 0 0 156,157
iShares U.S. Aggregate Bond ETF CORE US AGGBD ET 464287226 8,067 74,655 SH   SOLE NONE 0 0 74,655
iShares 7-10 Year Treasury Bond ETF 7-10 Y TR BD ETF 464287440 8,272 78,924 SH   SOLE NONE 0 0 78,924
SPDR Barclays Short Term Corp. Bond ETF BLOMBERG BRC SRT 78464A474 8,815 288,765 SH   SOLE NONE 0 0 288,765
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 9,406 215,901 SH   SOLE NONE 0 0 215,901
iShares S&P Mid Cap ETF CORE S&P MCP ETF 464287507 15,620 94,472 SH   SOLE NONE 0 0 94,472
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 19,283 242,715 SH   SOLE NONE 0 0 242,715
Vanguard Developed Markets ETF FTSE DEV MKT ETF 921943858 19,860 543,525 SH   SOLE NONE 0 0 543,525
iShares S&P 500 ETF CORE S&P500 ETF 464287200 20,393 90,643 SH   SOLE NONE 0 0 90,643