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
Expires: July 31, 2015
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
AMAZON COM INC COM 023135106 430,480 1,865 SH SOLE 0 0 1,865
AMERICAN ELEC PWR CO INC COM 025537101 810,284 7,027 SH SOLE 0 0 7,027
APPLE INC COM 037833100 348,775 1,283 SH SOLE 0 0 1,283
ARCH CAP GROUP LTD ORD G0450A105 206,670 2,155 SH SOLE 0 0 2,155
BLACKROCK FLOATING RATE INCO COM 09255X100 4,349,680 369,243 SH SOLE 0 0 369,243
BRUNSWICK CORP COM 117043109 408,320 5,500 SH SOLE 0 0 5,500
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 2,902,181 276,926 SH SOLE 0 0 276,926
CONOCOPHILLIPS COM 20825C104 963,715 10,295 SH SOLE 0 0 10,295
CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES G25457105 1,504,802 10,458 SH SOLE 0 0 10,458
DUKE ENERGY CORP NEW COM NEW 26441C204 546,926 4,666 SH SOLE 0 0 4,666
EXXON MOBIL CORP COM 30231G102 1,650,223 13,713 SH SOLE 0 0 13,713
INTEL CORP COM 458140100 4,056,639 109,936 SH SOLE 0 0 109,936
INTERNATIONAL BUSINESS MACHS COM 459200101 305,985 1,033 SH SOLE 0 0 1,033
ISHARES INC MSCI EMRG CHN 46434G764 569,884 7,841 SH SOLE 0 0 7,841
ISHARES TR CORE S&P500 ETF 464287200 10,283,493 15,014 SH SOLE 0 0 15,014
ISHARES TR MSCI EMG MKT ETF 464287234 210,809 3,853 SH SOLE 0 0 3,853
ISHARES TR MSCI EAFE ETF 464287465 217,334 2,263 SH SOLE 0 0 2,263
ISHARES TR CORE S&P MCP ETF 464287507 700,986 10,621 SH SOLE 0 0 10,621
ISHARES TR RUSSELL 2000 ETF 464287655 236,337 960 SH SOLE 0 0 960
ISHARES TR ISHS 1-5YR INVS 464288646 457,712 8,656 SH SOLE 0 0 8,656
LINDE PLC SHS G54950103 986,241 2,313 SH SOLE 0 0 2,313
MCKESSON CORP COM 58155Q103 460,183 561 SH SOLE 0 0 561
MICROSOFT CORP COM 594918104 1,189,073 2,459 SH SOLE 0 0 2,459
PEPSICO INC COM 713448108 342,296 2,385 SH SOLE 0 0 2,385
PHILLIPS 66 COM 718546104 523,774 4,059 SH SOLE 0 0 4,059
PIMCO ETF TR 1-5 US TIP IDX 72201R205 267,979 4,994 SH SOLE 0 0 4,994
PPL CORP COM 69351T106 322,325 9,204 SH SOLE 0 0 9,204
ROCKWELL AUTOMATION INC COM 773903109 476,611 1,225 SH SOLE 0 0 1,225
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 266,965 11,105 SH SOLE 0 0 11,105
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 11,271,715 240,797 SH SOLE 0 0 240,797
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 10,631,710 239,399 SH SOLE 0 0 239,399
SPDR SERIES TRUST STATE STREET SPD 78464A847 17,444,362 301,232 SH SOLE 0 0 301,232
SPDR SERIES TRUST STATE STREET SPD 78464A854 12,006,688 149,672 SH SOLE 0 0 149,672
SPDR SERIES TRUST STATE STREET SPD 78468R853 2,554,546 54,514 SH SOLE 0 0 54,514
STRYKER CORPORATION COM 863667101 438,284 1,247 SH SOLE 0 0 1,247
TRANE TECHNOLOGIES PLC SHS G8994E103 256,094 658 SH SOLE 0 0 658
UNITED BANKSHARES INC WEST V COM 909907107 213,696 5,565 SH SOLE 0 0 5,565
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791 1,460,442 12,836 SH SOLE 0 0 12,836
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,755,424 76,341 SH SOLE 0 0 76,341
VANGUARD INDEX FDS MID CAP ETF 922908629 4,965,084 17,108 SH SOLE 0 0 17,108
VANGUARD INDEX FDS SMALL CP ETF 922908751 782,879 3,035 SH SOLE 0 0 3,035
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,109,409 3,309 SH SOLE 0 0 3,309
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,713,498 124,640 SH SOLE 0 0 124,640
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,878,925 90,754 SH SOLE 0 0 90,754
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,306,771 26,421 SH SOLE 0 0 26,421
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 6,229,926 99,727 SH SOLE 0 0 99,727
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,911,758 33,399 SH SOLE 0 0 33,399
WISDOMTREE TR US MIDCAP DIVID 97717W505 804,444 15,590 SH SOLE 0 0 15,590
WISDOMTREE TR US SMALLCAP DIVD 97717W604 2,227,721 66,599 SH SOLE 0 0 66,599
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,995,060 24,627 SH SOLE 0 0 24,627