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
ALCATEL-LUCENT SPONSORED ADR 013904305 0 6 SH   DFND 1 0 0 6
ALTRIA GROUP INC COM 02209S103 2 40 SH   DFND 1 0 0 40
AMERCO COM 023586100 5 16 SH   DFND 1 0 0 16
AMERICAN EXPRESS CO COM 025816109 6 63 SH   DFND 1 0 0 63
AMERICAN FINL GROUP INC OHIO COM 025932104 5 79 SH   DFND 1 0 0 79
AMERICAN INTL GROUP INC COM NEW 026874784 5 84 SH   DFND 1 0 0 84
AMKOR TECHNOLOGY INC COM 031652100 4 500 SH   DFND 1 0 0 500
ARCBEST CORP COM 03937C105 6 125 SH   DFND 1 0 0 125
ATLANTIC TELE NETWORK INC COM NEW 049079205 4 58 SH   DFND 1 0 0 58
BAKER HUGHES INC COM 057224107 4 69 SH   DFND 1 0 0 69
BANK NEW YORK MELLON CORP COM 064058100 4 96 SH   DFND 1 0 0 96
BLOUNT INTL INC NEW COM 095180105 4 250 SH   DFND 1 0 0 250
CALAMOS ASSET MGMT INC CL A 12811R104 4 315 SH   DFND 1 0 0 315
CENTURYLINK INC COM 156700106 4 96 SH   DFND 1 0 0 96
CHEVRON CORP NEW COM 166764100 15 130 SH   DFND 1 0 0 130
CITIGROUP INC COM NEW 172967424 37 690 SH   DFND 1 0 0 690
COMTECH TELECOMMUNICATIONS C COM NEW 205826209 4 128 SH   DFND 1 0 0 128
DU PONT E I DE NEMOURS & CO COM 263534109 7 100 SH   DFND 1 0 0 100
DUCOMMUN INC DEL COM 264147109 4 156 SH   DFND 1 0 0 156
EARTHLINK HLDGS CORP COM 27033X101 0 20 SH   DFND 1 0 0 20
ERIE INDTY CO CL A 29530P102 6 67 SH   DFND 1 0 0 67
ETFS PALLADIUM TR SH BEN INT 26923A106 1 18 SH   DFND 1 0 0 18
EXLSERVICE HOLDINGS INC COM 302081104 4 138 SH   DFND 1 0 0 138
EXXON MOBIL CORP COM 30231G102 4 40 SH   DFND 1 0 0 40
FACEBOOK INC CL A 30303M102 23 300 SH   DFND 1 0 0 300
FARMERS CAP BK CORP COM 309562106 5 209 SH   DFND 1 0 0 209
FARMERS NATL BANC CORP COM 309627107 5 595 SH   DFND 1 0 0 595
FIRST TR FTSE EPRA/NAREIT DE COM 33736N101 2 35 SH   DFND 1 0 0 35
FORMFACTOR INC COM 346375108 5 622 SH   DFND 1 0 0 622
FORUM ENERGY TECHNOLOGIES IN COM 34984V100 3 141 SH   DFND 1 0 0 141
FRONTIER COMMUNICATIONS CORP COM 35906A108 0 13 SH   DFND 1 0 0 13
GENERAL ELECTRIC CO COM 369604103 3 100 SH   DFND 1 0 0 100
GLOBAL X FDS CHINA FINL ETF 37950E606 3 188 SH   DFND 1 0 0 188
GLOBAL X FDS GLBX SUPRINC ETF 37950E333 1 40 SH   DFND 1 0 0 40
GRAHAM HLDGS CO COM 384637104 4 5 SH   DFND 1 0 0 5
HANOVER INS GROUP INC COM 410867105 5 76 SH   DFND 1 0 0 76
HOME DEPOT INC COM 437076102 10 100 SH   DFND 1 0 0 100
HURCO COMPANIES INC COM 447324104 4 107 SH   DFND 1 0 0 107
ILLINOIS TOOL WKS INC COM 452308109 4 41 SH   DFND 1 0 0 41
INTEL CORP COM 458140100 5 150 SH   DFND 1 0 0 150
ISHARES 1-3 YR CR BD ETF 464288646 2 17 SH   DFND 1 0 0 17
ISHARES CORE US CR BD 464288620 33 297 SH   DFND 1 0 0 297
ISHARES MSCI EURO FL ETF 464289180 2 111 SH   DFND 1 0 0 111
ISHARES MSCI MEX CAP ETF 464286822 1 20 SH   DFND 1 0 0 20
ISHARES NAT AMT FREE BD 464288414 8,822 79,950 SH   DFND 1 0 0 79,950
ISHARES U.S. BR-DEAL ETF 464288794 21 489 SH   DFND 1 0 0 489
ISHARES U.S. MED DVC ETF 464288810 2 19 SH   DFND 1 0 0 19
ISHARES US HOME CONS ETF 464288752 1 57 SH   DFND 1 0 0 57
ISHARES US OIL EQ&SV ETF 464288844 2 31 SH   DFND 1 0 0 31
ISHARES TR 20+ YR TR BD ETF 464287432 0 3 SH   DFND 1 0 0 3
ISHARES TR CORE HIGH DV ETF 46429B663 7 85 SH   DFND 1 0 0 85
ISHARES TR CORE S&P MCP ETF 464287507 25,065 173,099 SH   DFND 1 0 0 173,099
ISHARES TR CORE S&P SCP ETF 464287804 11,575 101,483 SH   DFND 1 0 0 101,483
ISHARES TR CORE US AGGBD ET 464287226 4 37 SH   DFND 1 0 0 37
ISHARES TR IBOXX INV CP ETF 464287242 10,204 85,450 SH   DFND 1 0 0 85,450
ISHARES TR INTL INFL-LKD BD 46429B770 2 35 SH   DFND 1 0 0 35
ISHARES TR LATN AMER 40 ETF 464287390 0 12 SH   DFND 1 0 0 12
ISHARES TR MSCI EMG MKT ETF 464287234 1 19 SH   DFND 1 0 0 19
ISHARES TR NA TEC-SFTWR ETF 464287515 3 34 SH   DFND 1 0 0 34
ISHARES TR PHLX SEMICND ETF 464287523 3 36 SH   DFND 1 0 0 36
ISHARES TR RUSSELL 2000 ETF 464287655 3 29 SH   DFND 1 0 0 29
ISHARES TR SP SMCP600GR ETF 464287887 0 3 SH   DFND 1 0 0 3
ISHARES TR SP SMCP600VL ETF 464287879 1 6 SH   DFND 1 0 0 6
ISHARES TR TIPS BD ETF 464287176 27 239 SH   DFND 1 0 0 239
ISHARES TR U.S. INDS ETF 464287754 3 31 SH   DFND 1 0 0 31
JOHNSON & JOHNSON COM 478160104 6 60 SH   DFND 1 0 0 60
KEMET CORP COM NEW 488360207 3 718 SH   DFND 1 0 0 718
KOHLS CORP COM 500255104 2 35 SH   DFND 1 0 0 35
KRAFT FOODS GROUP INC COM 50076Q106 3 51 SH   DFND 1 0 0 51
LIFEPOINT HOSPITALS INC COM 53219L109 5 67 SH   DFND 1 0 0 67
MARKET VECTORS ETF TR EM LC CURR DBT 57060U522 0 21 SH   DFND 1 0 0 21
MARKET VECTORS ETF TR HG YLD MUN ETF 57060U878 2,411 78,164 SH   DFND 1 0 0 78,164
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 1 40 SH   DFND 1 0 0 40
MARKET VECTORS ETF TR RETAIL ETF 57060U225 2 32 SH   DFND 1 0 0 32
MARKET VECTORS ETF TR VIETNAM ETF 57060U761 2 93 SH   DFND 1 0 0 93
MCCLATCHY CO CL A 579489105 4 1,303 SH   DFND 1 0 0 1,303
MERCK & CO INC NEW COM 58933Y105 2 27 SH   DFND 1 0 0 27
MONDELEZ INTL INC CL A 609207105 6 155 SH   DFND 1 0 0 155
MOOG INC CL A 615394202 5 67 SH   DFND 1 0 0 67
NATIONAL WESTN LIFE INS CO CL A 638522102 6 21 SH   DFND 1 0 0 21
NETGEAR INC COM 64111Q104 5 134 SH   DFND 1 0 0 134
NOKIA CORP SPONSORED ADR 654902204 0 52 SH   DFND 1 0 0 52
OMNIVISION TECHNOLOGIES INC COM 682128103 5 189 SH   DFND 1 0 0 189
PARTNERRE LTD COM G6852T105 5 46 SH   DFND 1 0 0 46
PENNEY J C INC COM 708160106 0 12 SH   DFND 1 0 0 12
PFIZER INC COM 717081103 4 140 SH   DFND 1 0 0 140
PHILIP MORRIS INTL INC COM 718172109 3 40 SH   DFND 1 0 0 40
PIMCO ETF TR TTL RTN ACTV ETF 72201R775 4 33 SH   DFND 1 0 0 33
PIONEER ENERGY SVCS CORP COM 723664108 2 324 SH   DFND 1 0 0 324
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 2 71 SH   DFND 1 0 0 71
POWERSHARES GLOBAL ETF TRUST AGG PFD PORT 73936T565 0 18 SH   DFND 1 0 0 18
REINSURANCE GROUP AMER INC COM NEW 759351604 5 53 SH   DFND 1 0 0 53
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 5 70 SH   DFND 1 0 0 70
SANMINA CORPORATION COM 801056102 4 164 SH   DFND 1 0 0 164
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2 48 SH   DFND 1 0 0 48
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1 9 SH   DFND 1 0 0 9
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 2 26 SH   DFND 1 0 0 26
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 4 174 SH   DFND 1 0 0 174
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2 43 SH   DFND 1 0 0 43
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4 92 SH   DFND 1 0 0 92
SOUTHWEST AIRLS CO COM 844741108 5 118 SH   DFND 1 0 0 118
SPDR S&P 500 ETF TR TR UNIT 78462F103 98,375 478,615 SH   DFND 1 0 0 478,615
SPDR SER TR SHT TRM HGH YLD 78468R408 1 39 SH   DFND 1 0 0 39
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 13,874 359,339 SH   DFND 1 0 0 359,339
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 54 967 SH   DFND 1 0 0 967
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 3,924 161,561 SH   DFND 1 0 0 161,561
SPDR SERIES TRUST NUVN BRCLY MUNI 78464A458 6,092 252,158 SH   DFND 1 0 0 252,158
STRAYER ED INC COM 863236105 5 64 SH   DFND 1 0 0 64
SYMETRA FINL CORP COM 87151Q106 5 232 SH   DFND 1 0 0 232
TEXAS INSTRS INC COM 882508104 3 52 SH   DFND 1 0 0 52
TWITTER INC COM 90184L102 11 300 SH   DFND 1 0 0 300
UNIT CORP COM 909218109 2 72 SH   DFND 1 0 0 72
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 24,992 312,595 SH   DFND 1 0 0 312,595
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 38,930 472,627 SH   DFND 1 0 0 472,627
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 5,974 112,475 SH   DFND 1 0 0 112,475
VANGUARD INDEX FDS REIT ETF 922908553 17,351 214,204 SH   DFND 1 0 0 214,204
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,825 520,365 SH   DFND 1 0 0 520,365
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,336 48,417 SH   DFND 1 0 0 48,417
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 53,496 1,412,246 SH   DFND 1 0 0 1,412,246
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 4 35 SH   DFND 1 0 0 35
VCA INC COM 918194101 6 119 SH   DFND 1 0 0 119
VERIZON COMMUNICATIONS INC COM 92343V104 3 74 SH   DFND 1 0 0 74
WALGREENS BOOTS ALLIANCE INC COM 931427108 3 35 SH   DFND 1 0 0 35
WASTE MGMT INC DEL COM 94106L109 10 200 SH   DFND 1 0 0 200
WILEY JOHN & SONS INC CL A 968223206 5 81 SH   DFND 1 0 0 81
WISDOMTREE TR COMM COUNTRY EQ 97717W752 2 80 SH   DFND 1 0 0 80
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 7 121 SH   DFND 1 0 0 121
WISDOMTREE TR JAPN HEDGE EQT 97717W851 4 76 SH   DFND 1 0 0 76
WYNDHAM WORLDWIDE CORP COM 98310W108 9 100 SH   DFND 1 0 0 100
XEROX CORP COM 984121103 4 259 SH   DFND 1 0 0 259