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 545 3,306 SH   SOLE   0 3,306 0
ABB LTD SPONSORED ADR 000375204 2,355 111,225 SH   SOLE   0 111,225 0
ABBOTT LABS COM 002824100 8,236 177,759 SH   SOLE   0 177,759 0
ABBVIE INC COM 00287Y109 398 6,793 SH   SOLE   0 6,793 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 2,388 443,884 SH   SOLE   0 443,884 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 343 3,660 SH   SOLE   0 3,660 0
AIR PRODS & CHEMS INC COM 009158106 627 4,146 SH   SOLE   0 4,146 0
ALTRIA GROUP INC COM 02209S103 342 6,829 SH   SOLE   0 6,829 0
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 679 33,210 SH   SOLE   0 33,210 0
AMERICAN EXPRESS CO COM 025816109 443 5,672 SH   SOLE   0 5,672 0
AMGEN INC COM 031162100 423 2,645 SH   SOLE   0 2,645 0
APPLE INC COM 037833100 11,252 90,431 SH   SOLE   0 90,431 0
ARES CAP CORP COM 04010L103 536 31,216 SH   SOLE   0 31,216 0
ASHLAND INC NEW COM 044209104 4,751 37,320 SH   SOLE   0 37,320 0
ASTRAZENECA PLC SPONSORED ADR 046353108 3,296 48,160 SH   SOLE   0 48,160 0
AT&T INC COM 00206R102 4,052 124,110 SH   SOLE   0 124,110 0
AUTOMATIC DATA PROCESSING IN COM 053015103 587 6,857 SH   SOLE   0 6,857 0
AVAGO TECHNOLOGIES LTD SHS Y0486S104 4,345 34,218 SH   SOLE   0 34,218 0
BANK NEW YORK MELLON CORP COM 064058100 821 20,408 SH   SOLE   0 20,408 0
BAXTER INTL INC COM 071813109 233 3,400 SH   SOLE   0 3,400 0
BECTON DICKINSON & CO COM 075887109 6,602 45,979 SH   SOLE   0 45,979 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 218 1 SH   SOLE   0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,433 9,927 SH   SOLE   0 9,927 0
BLACKROCK INC COM 09247X101 8,983 24,555 SH   SOLE   0 24,555 0
BOEING CO COM 097023105 633 4,221 SH   SOLE   0 4,221 0
BRINKER INTL INC COM 109641100 8,863 143,975 SH   SOLE   0 143,975 0
BRISTOL MYERS SQUIBB CO COM 110122108 9,930 153,945 SH   SOLE   0 153,945 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 8,727 158,646 SH   SOLE   0 158,646 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 489 10,728 SH   SOLE   0 10,728 0
CA INC COM 12673P105 3,866 118,545 SH   SOLE   0 118,545 0
CATERPILLAR INC DEL COM 149123101 234 2,923 SH   SOLE   0 2,923 0
CHEVRON CORP NEW COM 166764100 7,176 68,354 SH   SOLE   0 68,354 0
CHUBB CORP COM 171232101 729 7,209 SH   SOLE   0 7,209 0
CIGNA CORPORATION COM 125509109 360 2,782 SH   SOLE   0 2,782 0
CME GROUP INC COM 12572Q105 4,037 42,631 SH   SOLE   0 42,631 0
COCA COLA CO COM 191216100 545 13,431 SH   SOLE   0 13,431 0
COLGATE PALMOLIVE CO COM 194162103 234 3,380 SH   SOLE   0 3,380 0
CONOCOPHILLIPS COM 20825C104 5,359 86,081 SH   SOLE   0 86,081 0
CVS HEALTH CORP COM 126650100 888 8,608 SH   SOLE   0 8,608 0
CYTRX CORP COM PAR $.001 232828509 130 38,500 SH   SOLE   0 38,500 0
DEERE & CO COM 244199105 278 3,165 SH   SOLE   0 3,165 0
DIAGEO P L C SPON ADR NEW 25243Q205 1,804 16,312 SH   SOLE   0 16,312 0
DISNEY WALT CO COM DISNEY 254687106 560 5,337 SH   SOLE   0 5,337 0
DOMINION RES INC VA NEW COM 25746U109 325 4,587 SH   SOLE   0 4,587 0
DU PONT E I DE NEMOURS & CO COM 263534109 283 3,959 SH   SOLE   0 3,959 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,954 25,454 SH   SOLE   0 25,454 0
E M C CORP MASS COM 268648102 363 14,206 SH   SOLE   0 14,206 0
EMERSON ELEC CO COM 291011104 661 11,678 SH   SOLE   0 11,678 0
EVERSOURCE ENERGY COM 30040W108 5,116 101,273 SH   SOLE   0 101,273 0
EXPEDITORS INTL WASH INC COM 302130109 3,381 70,176 SH   SOLE   0 70,176 0
EXXON MOBIL CORP COM 30231G102 5,852 68,851 SH   SOLE   0 68,851 0
FACEBOOK INC CL A 30303M102 205 2,500 SH   SOLE   0 2,500 0
GENERAL DYNAMICS CORP COM 369550108 4,967 36,597 SH   SOLE   0 36,597 0
GENERAL ELECTRIC CO COM 369604103 4,453 179,477 SH   SOLE   0 179,477 0
GENERAL MLS INC COM 370334104 2,932 51,794 SH   SOLE   0 51,794 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 533 11,555 SH   SOLE   0 11,555 0
GOOGLE INC CL A 38259P508 2,748 4,954 SH   SOLE   0 4,954 0
GOOGLE INC CL C 38259P706 3,112 5,679 SH   SOLE   0 5,679 0
GRAINGER W W INC COM 384802104 2,309 9,790 SH   SOLE   0 9,790 0
HANOVER INS GROUP INC COM 410867105 212 2,917 SH   SOLE   0 2,917 0
HCP INC COM 40414L109 253 5,850 SH   SOLE   0 5,850 0
HOLLYFRONTIER CORP COM 436106108 4,211 104,567 SH   SOLE   0 104,567 0
HOME DEPOT INC COM 437076102 7,729 68,029 SH   SOLE   0 68,029 0
ILLINOIS TOOL WKS INC COM 452308109 205 2,113 SH   SOLE   0 2,113 0
INTEL CORP COM 458140100 594 18,990 SH   SOLE   0 18,990 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,966 12,251 SH   SOLE   0 12,251 0
INTUIT COM 461202103 4,014 41,396 SH   SOLE   0 41,396 0
ISHARES MSCI CDA ETF 464286509 9,315 342,700 SH   SOLE   0 342,700 0
ISHARES 1-3 YR CR BD ETF 464288646 1,350 12,795 SH   SOLE   0 12,795 0
ISHARES GOLD TRUST ISHARES 464285105 9,920 866,295 SH   SOLE   0 866,295 0
ISHARES TR SELECT DIVID ETF 464287168 310 3,975 SH   SOLE   0 3,975 0
ISHARES TR CORE US AGGBD ET 464287226 3,079 27,624 SH   SOLE   0 27,624 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,131 53,102 SH   SOLE   0 53,102 0
ISHARES TR IBOXX INV CP ETF 464287242 8,523 70,029 SH   SOLE   0 70,029 0
ISHARES TR 7-10 Y TR BD ETF 464287440 8,063 74,389 SH   SOLE   0 74,389 0
ISHARES TR MSCI EAFE ETF 464287465 15,430 240,448 SH   SOLE   0 240,448 0
ISHARES TR RUS 1000 GRW ETF 464287614 8,921 90,180 SH   SOLE   0 90,180 0
ISHARES TR RUS 1000 ETF 464287622 354 3,053 SH   SOLE   0 3,053 0
ISHARES TR RUSSELL 2000 ETF 464287655 13,099 105,319 SH   SOLE   0 105,319 0
ISHARES TR CORE S&P SCP ETF 464287804 732 6,205 SH   SOLE   0 6,205 0
ISHARES TR FLTG RATE BD ETF 46429B655 271 5,352 SH   SOLE   0 5,352 0
ISHARES TR MSCI UTD KNGDM 46434V548 7,826 434,521 SH   SOLE   0 434,521 0
JOHNSON & JOHNSON COM 478160104 2,712 26,961 SH   SOLE   0 26,961 0
JPMORGAN CHASE & CO COM 46625H100 5,583 92,157 SH   SOLE   0 92,157 0
KIMBERLY CLARK CORP COM 494368103 374 3,493 SH   SOLE   0 3,493 0
KINDER MORGAN INC DEL COM 49456B101 1,653 39,300 SH   SOLE   0 39,300 0
KOHLS CORP COM 500255104 1,312 16,765 SH   SOLE   0 16,765 0
KRAFT FOODS GROUP INC COM 50076Q106 10,345 118,756 SH   SOLE   0 118,756 0
LILLY ELI & CO COM 532457108 217 2,984 SH   SOLE   0 2,984 0
LINEAR TECHNOLOGY CORP COM 535678106 3,092 66,050 SH   SOLE   0 66,050 0
LOCKHEED MARTIN CORP COM 539830109 8,872 43,714 SH   SOLE   0 43,714 0
M & T BK CORP COM 55261F104 4,841 38,117 SH   SOLE   0 38,117 0
MASTERCARD INC CL A 57636Q104 5,840 67,598 SH   SOLE   0 67,598 0
MCDONALDS CORP COM 580135101 529 5,425 SH   SOLE   0 5,425 0
MERCK & CO INC NEW COM 58933Y105 520 9,043 SH   SOLE   0 9,043 0
MICROSOFT CORP COM 594918104 3,996 98,290 SH   SOLE   0 98,290 0
MONDELEZ INTL INC CL A 609207105 3,201 88,697 SH   SOLE   0 88,697 0
MONSANTO CO NEW COM 61166W101 382 3,393 SH   SOLE   0 3,393 0
NATIONAL OILWELL VARCO INC COM 637071101 4,569 91,399 SH   SOLE   0 91,399 0
NAVIENT CORP COM 63938C108 7,326 360,370 SH   SOLE   0 360,370 0
NEXTERA ENERGY INC COM 65339F101 358 3,440 SH   SOLE   0 3,440 0
NOVO-NORDISK A S ADR 670100205 4,466 83,640 SH   SOLE   0 83,640 0
OCEANEERING INTL INC COM 675232102 1,522 28,230 SH   SOLE   0 28,230 0
OPKO HEALTH INC COM 68375N103 191 13,511 SH   SOLE   0 13,511 0
ORACLE CORP COM 68389X105 422 9,786 SH   SOLE   0 9,786 0
ORGANOVO HLDGS INC COM 68620A104 75 21,250 SH   SOLE   0 21,250 0
PEPSICO INC COM 713448108 7,062 73,854 SH   SOLE   0 73,854 0
PFIZER INC COM 717081103 554 15,923 SH   SOLE   0 15,923 0
PHILIP MORRIS INTL INC COM 718172109 466 6,180 SH   SOLE   0 6,180 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,298 12,826 SH   SOLE   0 12,826 0
PRAXAIR INC COM 74005P104 638 5,288 SH   SOLE   0 5,288 0
PROCTER & GAMBLE CO COM 742718109 7,955 97,087 SH   SOLE   0 97,087 0
REPUBLIC SVCS INC COM 760759100 7,679 189,320 SH   SOLE   0 189,320 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 549 9,200 SH   SOLE   0 9,200 0
SCHLUMBERGER LTD COM 806857108 395 4,729 SH   SOLE   0 4,729 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 787 10,146 SH   SOLE   0 10,146 0
SMUCKER J M CO COM NEW 832696405 6,044 52,223 SH   SOLE   0 52,223 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 8,238 191,900 SH   SOLE   0 191,900 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 9,382 216,578 SH   SOLE   0 216,578 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,301 6,301 SH   SOLE   0 6,301 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 759 2,737 SH   SOLE   0 2,737 0
SPDR SER TR SHT TRM HGH YLD 78468R408 2,654 90,920 SH   SOLE   0 90,920 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 4,400 112,193 SH   SOLE   0 112,193 0
SPDR SERIES TRUST BARC SHT TR CP 78464A474 4,634 150,704 SH   SOLE   0 150,704 0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 480 11,175 SH   SOLE   0 11,175 0
SUN LIFE FINL INC COM 866796105 2,575 83,535 SH   SOLE   0 83,535 0
TARGET CORP COM 87612E106 6,942 84,583 SH   SOLE   0 84,583 0
TEMPLETON GLOBAL INCOME FD COM 880198106 2,003 278,619 SH   SOLE   0 278,619 0
UNION PAC CORP COM 907818108 1,028 9,490 SH   SOLE   0 9,490 0
UNITED TECHNOLOGIES CORP COM 913017109 8,654 73,841 SH   SOLE   0 73,841 0
UNITEDHEALTH GROUP INC COM 91324P102 14,142 119,555 SH   SOLE   0 119,555 0
V F CORP COM 918204108 5,373 71,348 SH   SOLE   0 71,348 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,941 48,948 SH   SOLE   0 48,948 0
VANGUARD INDEX FDS REIT ETF 922908553 10,938 129,738 SH   SOLE   0 129,738 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 238 2,500 SH   SOLE   0 2,500 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 290 2,370 SH   SOLE   0 2,370 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,031 563,505 SH   SOLE   0 563,505 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,175 76,980 SH   SOLE   0 76,980 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 612 6,980 SH   SOLE   0 6,980 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 7,914 98,346 SH   SOLE   0 98,346 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 205 5,142 SH   SOLE   0 5,142 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,847 79,105 SH   SOLE   0 79,105 0
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR 92857W308 217 6,650 SH   SOLE   0 6,650 0
WASTE MGMT INC DEL COM 94106L109 2,631 48,507 SH   SOLE   0 48,507 0
WELLS FARGO & CO NEW COM 949746101 516 9,480 SH   SOLE   0 9,480 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 22,694 411,716 SH   SOLE   0 411,716 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 20,698 312,933 SH   SOLE   0 312,933 0