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
3M CO COM 88579Y101 571 3,476 SH   SOLE   0 3,476 0
ABB LTD SPONSORED ADR 000375204 2,321 109,750 SH   SOLE   0 109,750 0
ABBOTT LABS COM 002824100 8,608 191,199 SH   SOLE   0 191,199 0
ABBVIE INC COM 00287Y109 461 7,043 SH   SOLE   0 7,043 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 2,426 437,039 SH   SOLE   0 437,039 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 304 3,400 SH   SOLE   0 3,400 0
AFLAC INC COM 001055102 5,617 91,942 SH   SOLE   0 91,942 0
AIR PRODS & CHEMS INC COM 009158106 587 4,072 SH   SOLE   0 4,072 0
ALTRIA GROUP INC COM 02209S103 322 6,529 SH   SOLE   0 6,529 0
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 737 33,210 SH   SOLE   0 33,210 0
AMERICAN EXPRESS CO COM 025816109 525 5,643 SH   SOLE   0 5,643 0
AMGEN INC COM 031162100 421 2,645 SH   SOLE   0 2,645 0
APPLE INC COM 037833100 10,076 91,286 SH   SOLE   0 91,286 0
ARES CAP CORP COM 04010L103 484 31,041 SH   SOLE   0 31,041 0
ASHLAND INC NEW COM 044209104 4,599 38,405 SH   SOLE   0 38,405 0
ASTRAZENECA PLC SPONSORED ADR 046353108 3,329 47,295 SH   SOLE   0 47,295 0
AT&T INC COM 00206R102 3,047 90,723 SH   SOLE   0 90,723 0
AUTOMATIC DATA PROCESSING IN COM 053015103 576 6,907 SH   SOLE   0 6,907 0
AVAGO TECHNOLOGIES LTD SHS Y0486S104 3,456 34,358 SH   SOLE   0 34,358 0
BANK NEW YORK MELLON CORP COM 064058100 828 20,408 SH   SOLE   0 20,408 0
BAXTER INTL INC COM 071813109 249 3,400 SH   SOLE   0 3,400 0
BECTON DICKINSON & CO COM 075887109 6,197 44,529 SH   SOLE   0 44,529 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 226 1 SH   SOLE   0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,494 9,947 SH   SOLE   0 9,947 0
BHP BILLITON LTD SPONSORED ADR 088606108 1,426 30,130 SH   SOLE   0 30,130 0
BLACKROCK INC COM 09247X101 8,478 23,710 SH   SOLE   0 23,710 0
BOEING CO COM 097023105 559 4,301 SH   SOLE   0 4,301 0
BRINKER INTL INC COM 109641100 2,619 44,625 SH   SOLE   0 44,625 0
BRISTOL MYERS SQUIBB CO COM 110122108 8,636 146,294 SH   SOLE   0 146,294 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 6,791 147,046 SH   SOLE   0 147,046 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 407 9,726 SH   SOLE   0 9,726 0
CA INC COM 12673P105 3,352 110,095 SH   SOLE   0 110,095 0
CHEVRON CORP NEW COM 166764100 7,507 66,916 SH   SOLE   0 66,916 0
CHUBB CORP COM 171232101 746 7,209 SH   SOLE   0 7,209 0
CIGNA CORPORATION COM 125509109 286 2,782 SH   SOLE   0 2,782 0
CME GROUP INC COM 12572Q105 4,057 45,761 SH   SOLE   0 45,761 0
COCA COLA CO COM 191216100 777 18,398 SH   SOLE   0 18,398 0
COLGATE PALMOLIVE CO COM 194162103 234 3,380 SH   SOLE   0 3,380 0
CONOCOPHILLIPS COM 20825C104 5,794 83,897 SH   SOLE   0 83,897 0
CVS HEALTH CORP COM 126650100 829 8,608 SH   SOLE   0 8,608 0
CYTRX CORP COM PAR $.001 232828509 101 37,000 SH   SOLE   0 37,000 0
DARDEN RESTAURANTS INC COM 237194105 6,267 106,895 SH   SOLE   0 106,895 0
DEERE & CO COM 244199105 268 3,025 SH   SOLE   0 3,025 0
DIAGEO P L C SPON ADR NEW 25243Q205 1,859 16,292 SH   SOLE   0 16,292 0
DISNEY WALT CO COM DISNEY 254687106 496 5,262 SH   SOLE   0 5,262 0
DOMINION RES INC VA NEW COM 25746U109 344 4,475 SH   SOLE   0 4,475 0
DU PONT E I DE NEMOURS & CO COM 263534109 293 3,959 SH   SOLE   0 3,959 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,743 20,869 SH   SOLE   0 20,869 0
E M C CORP MASS COM 268648102 365 12,282 SH   SOLE   0 12,282 0
EMERSON ELEC CO COM 291011104 721 11,678 SH   SOLE   0 11,678 0
EXPEDITORS INTL WASH INC COM 302130109 3,333 74,721 SH   SOLE   0 74,721 0
EXXON MOBIL CORP COM 30231G102 6,485 70,151 SH   SOLE   0 70,151 0
GENERAL DYNAMICS CORP COM 369550108 5,082 36,927 SH   SOLE   0 36,927 0
GENERAL ELECTRIC CO COM 369604103 4,258 168,503 SH   SOLE   0 168,503 0
GENERAL MLS INC COM 370334104 2,112 39,594 SH   SOLE   0 39,594 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 494 11,555 SH   SOLE   0 11,555 0
GOOGLE INC CL A 38259P508 2,774 5,227 SH   SOLE   0 5,227 0
GOOGLE INC CL C 38259P706 3,039 5,774 SH   SOLE   0 5,774 0
GRAINGER W W INC COM 384802104 2,516 9,870 SH   SOLE   0 9,870 0
HANOVER INS GROUP INC COM 410867105 208 2,917 SH   SOLE   0 2,917 0
HCP INC COM 40414L109 258 5,850 SH   SOLE   0 5,850 0
HOLLYFRONTIER CORP COM 436106108 3,531 94,221 SH   SOLE   0 94,221 0
HOME DEPOT INC COM 437076102 5,829 55,526 SH   SOLE   0 55,526 0
ILLINOIS TOOL WKS INC COM 452308109 200 2,113 SH   SOLE   0 2,113 0
INTEL CORP COM 458140100 679 18,715 SH   SOLE   0 18,715 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,042 12,726 SH   SOLE   0 12,726 0
INTUIT COM 461202103 4,285 46,476 SH   SOLE   0 46,476 0
ISHARES MSCI CDA ETF 464286509 10,214 353,925 SH   SOLE   0 353,925 0
ISHARES MSCI GERMANY ETF 464286806 292 10,655 SH   SOLE   0 10,655 0
ISHARES INTL SEL DIV ETF 464288448 12,455 369,685 SH   SOLE   0 369,685 0
ISHARES 1-3 YR CR BD ETF 464288646 1,346 12,795 SH   SOLE   0 12,795 0
ISHARES GOLD TRUST ISHARES 464285105 6,643 580,725 SH   SOLE   0 580,725 0
ISHARES TR SELECT DIVID ETF 464287168 316 3,975 SH   SOLE   0 3,975 0
ISHARES TR CORE US AGGBD ET 464287226 3,107 28,218 SH   SOLE   0 28,218 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,168 55,182 SH   SOLE   0 55,182 0
ISHARES TR IBOXX INV CP ETF 464287242 5,726 47,954 SH   SOLE   0 47,954 0
ISHARES TR S&P 500 GRWT ETF 464287309 207 1,858 SH   SOLE   0 1,858 0
ISHARES TR 7-10 Y TR BD ETF 464287440 9,502 89,654 SH   SOLE   0 89,654 0
ISHARES TR MSCI EAFE ETF 464287465 14,757 242,549 SH   SOLE   0 242,549 0
ISHARES TR RUS 1000 GRW ETF 464287614 9,136 95,550 SH   SOLE   0 95,550 0
ISHARES TR RUS 1000 ETF 464287622 350 3,053 SH   SOLE   0 3,053 0
ISHARES TR RUSSELL 2000 ETF 464287655 12,701 106,176 SH   SOLE   0 106,176 0
ISHARES TR CORE S&P SCP ETF 464287804 711 6,235 SH   SOLE   0 6,235 0
ISHARES TR MSCI UTD KNGDM 46434V548 7,646 424,051 SH   SOLE   0 424,051 0
JOHNSON & JOHNSON COM 478160104 2,697 25,793 SH   SOLE   0 25,793 0
JPMORGAN CHASE & CO COM 46625H100 5,765 92,129 SH   SOLE   0 92,129 0
KIMBERLY CLARK CORP COM 494368103 371 3,214 SH   SOLE   0 3,214 0
KINDER MORGAN INC DEL COM 49456B101 1,654 39,092 SH   SOLE   0 39,092 0
KOHLS CORP COM 500255104 1,134 18,585 SH   SOLE   0 18,585 0
KRAFT FOODS GROUP INC COM 50076Q106 2,344 37,415 SH   SOLE   0 37,415 0
LINEAR TECHNOLOGY CORP COM 535678106 3,738 81,975 SH   SOLE   0 81,975 0
LOCKHEED MARTIN CORP COM 539830109 8,811 45,754 SH   SOLE   0 45,754 0
M & T BK CORP COM 55261F104 4,980 39,642 SH   SOLE   0 39,642 0
MASTERCARD INC CL A 57636Q104 6,141 71,271 SH   SOLE   0 71,271 0
MCDONALDS CORP COM 580135101 523 5,581 SH   SOLE   0 5,581 0
MERCK & CO INC NEW COM 58933Y105 511 9,005 SH   SOLE   0 9,005 0
MICROSOFT CORP COM 594918104 4,610 99,240 SH   SOLE   0 99,240 0
MONDELEZ INTL INC CL A 609207105 3,546 97,632 SH   SOLE   0 97,632 0
MONSANTO CO NEW COM 61166W101 364 3,043 SH   SOLE   0 3,043 0
NATIONAL OILWELL VARCO INC COM 637071101 5,896 89,969 SH   SOLE   0 89,969 0
NAVIENT CORP COM 63938C108 7,670 354,940 SH   SOLE   0 354,940 0
NEXTERA ENERGY INC COM 65339F101 344 3,240 SH   SOLE   0 3,240 0
NORTHEAST UTILS COM 664397106 4,817 90,004 SH   SOLE   0 90,004 0
NOVO-NORDISK A S ADR 670100205 3,451 81,555 SH   SOLE   0 81,555 0
OCEANEERING INTL INC COM 675232102 1,325 22,535 SH   SOLE   0 22,535 0
OPKO HEALTH INC COM 68375N103 146 14,565 SH   SOLE   0 14,565 0
ORACLE CORP COM 68389X105 451 10,020 SH   SOLE   0 10,020 0
ORGANOVO HLDGS INC COM 68620A104 136 18,750 SH   SOLE   0 18,750 0
PEPSICO INC COM 713448108 6,798 71,889 SH   SOLE   0 71,889 0
PFIZER INC COM 717081103 452 14,508 SH   SOLE   0 14,508 0
PHILIP MORRIS INTL INC COM 718172109 503 6,180 SH   SOLE   0 6,180 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,296 12,826 SH   SOLE   0 12,826 0
PRAXAIR INC COM 74005P104 685 5,288 SH   SOLE   0 5,288 0
PROCTER & GAMBLE CO COM 742718109 9,799 107,578 SH   SOLE   0 107,578 0
REPUBLIC SVCS INC COM 760759100 4,491 111,575 SH   SOLE   0 111,575 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 616 9,199 SH   SOLE   0 9,199 0
SCHLUMBERGER LTD COM 806857108 370 4,329 SH   SOLE   0 4,329 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 1,621 20,480 SH   SOLE   0 20,480 0
SMUCKER J M CO COM NEW 832696405 5,369 53,173 SH   SOLE   0 53,173 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 8,722 209,818 SH   SOLE   0 209,818 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,274 6,196 SH   SOLE   0 6,196 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 722 2,737 SH   SOLE   0 2,737 0
SPDR SER TR SHT TRM HGH YLD 78468R408 2,539 87,815 SH   SOLE   0 87,815 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 4,271 110,608 SH   SOLE   0 110,608 0
SPDR SERIES TRUST BARC SHT TR CP 78464A474 4,596 150,304 SH   SOLE   0 150,304 0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 483 11,175 SH   SOLE   0 11,175 0
SUN LIFE FINL INC COM 866796105 3,356 93,060 SH   SOLE   0 93,060 0
TARGET CORP COM 87612E106 6,978 91,928 SH   SOLE   0 91,928 0
TEMPLETON GLOBAL INCOME FD COM 880198106 1,954 271,719 SH   SOLE   0 271,719 0
TIFFANY & CO NEW COM 886547108 1,434 13,421 SH   SOLE   0 13,421 0
UNION PAC CORP COM 907818108 1,131 9,490 SH   SOLE   0 9,490 0
UNITED TECHNOLOGIES CORP COM 913017109 8,604 74,817 SH   SOLE   0 74,817 0
UNITEDHEALTH GROUP INC COM 91324P102 12,399 122,650 SH   SOLE   0 122,650 0
V F CORP COM 918204108 5,124 68,416 SH   SOLE   0 68,416 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,751 46,913 SH   SOLE   0 46,913 0
VANGUARD INDEX FDS REIT ETF 922908553 16,944 209,185 SH   SOLE   0 209,185 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 236 2,500 SH   SOLE   0 2,500 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 276 2,370 SH   SOLE   0 2,370 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 22,898 572,172 SH   SOLE   0 572,172 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,031 38,060 SH   SOLE   0 38,060 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,380 103,254 SH   SOLE   0 103,254 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 422 11,142 SH   SOLE   0 11,142 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,600 55,581 SH   SOLE   0 55,581 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR 92857W308 200 5,864 SH   SOLE   0 5,864 0
WASTE MGMT INC DEL COM 94106L109 2,182 42,515 SH   SOLE   0 42,515 0
WELLS FARGO & CO NEW COM 949746101 449 8,185 SH   SOLE   0 8,185 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 19,513 396,371 SH   SOLE   0 396,371 0