Stearns Financial Services 13F-HR Quarterly holdings report by institutional manager

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

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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
VANGUARD FTSE ALL-WORLD EX US INDEX FUND	Equities	922042775	42,523	997,499	SH		SOLE		0	0	997,499
VANGUARD BD INDEX FD INC TOTAL BND MRKT	Equities	921937835	35,202	429,665	SH		SOLE		0	0	429,665
VANGUARD DIVIDEND APPRECIATION INDEX FUND	Equities	921908844	28,452	385,838	SH		SOLE		0	0	385,838
VANGUARD GROWTH INDEX FUND	Equities	922908736	26,688	266,106	SH		SOLE		0	0	266,106
VANGUARD INFORMATION TECHNOLOGY INDEX FUND	Equities	92204A702	16,243	162,430	SH		SOLE		0	0	162,430
SCHWAB U.S. BROAD MARKET ETF	Equities	808524102	15,997	344,916	SH		SOLE		0	0	344,916
ISHARES RUSSELL 2000 ETF	Equities	464287655	9,976	91,356	SH		SOLE		0	0	91,356
ISHARES RUSSELL MID-CAP GROWTH ETF	Equities	464287481	8,320	93,890	SH		SOLE		0	0	93,890
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Equities	921946406	7,565	120,751	SH		SOLE		0	0	120,751
HEALTH CARE SELECT SECTOR SPDR FUND	Equities	81369Y209	7,024	106,051	SH		SOLE		0	0	106,051
JOHNSON & JOHNSON COM	Equities	478160104	5,135	55,003	SH		SOLE		0	0	55,003
BERKSHIRE HATHAWAY INC DEL CL B	Equities	084670702	4,322	33,142	SH		SOLE		0	0	33,142
GENERAL ELECTRIC CO COM	Equities	369604103	4,303	170,629	SH		SOLE		0	0	170,629
MICROSOFT	Equities	594918104	4,004	90,474	SH		SOLE		0	0	90,474
FINANCIAL SELECT SECTOR SPDR FUND	Equities	81369Y605	3,841	169,493	SH		SOLE		0	0	169,493
SCHWAB INTERNATIONAL EQUITY ETF	Equities	808524805	3,732	136,352	SH		SOLE		0	0	136,352
PEPSICO INC	Equities	713448108	3,151	33,415	SH		SOLE		0	0	33,415
ISHARES MSCI EAFE ETF	Equities	464287465	3,007	52,463	SH		SOLE		0	0	52,463
EXXON MOBIL CORP COM	Equities	30231G102	2,929	39,398	SH		SOLE		0	0	39,398
INTEL CORP COM	Equities	458140100	2,831	93,931	SH		SOLE		0	0	93,931
APPLE INC	Equities	037833100	2,516	22,807	SH		SOLE		0	0	22,807
SYSCO CORP COM	Equities	871829107	2,491	63,928	SH		SOLE		0	0	63,928
LOWES COS INC COM	Equities	548661107	2,422	35,135	SH		SOLE		0	0	35,135
UNITED TECHNOLOGIES CORP COM	Equities	913017109	2,255	25,340	SH		SOLE		0	0	25,340
3M CO COM	Equities	88579Y101	2,255	15,906	SH		SOLE		0	0	15,906
CHEVRON CORP NEW COM	Equities	166764100	1,964	24,893	SH		SOLE		0	0	24,893
PROCTER & GAMBLE CO COM	Equities	742718109	1,956	27,183	SH		SOLE		0	0	27,183
PFIZER INC COM	Equities	717081103	1,854	59,039	SH		SOLE		0	0	59,039
CISCO SYSTEMS INC	Equities	17275R102	1,766	67,271	SH		SOLE		0	0	67,271
STRYKER CORP COM	Equities	863667101	1,653	17,561	SH		SOLE		0	0	17,561
INTL BUSINESS MACHINES	Equities	459200101	1,617	11,151	SH		SOLE		0	0	11,151
BB&T CORP COM	Equities	054937107	1,611	45,255	SH		SOLE		0	0	45,255
VERIZON COMMUNICATIONS INC COM	Equities	92343V104	1,516	34,836	SH		SOLE		0	0	34,836
CONOCOPHILLIPS COM	Equities	20825C104	1,474	30,737	SH		SOLE		0	0	30,737
ABBOTT LABS COM	Equities	002824100	1,452	36,108	SH		SOLE		0	0	36,108
SCHWAB U.S. LARGE-CAP VALUE ETF	Equities	808524409	1,342	33,695	SH		SOLE		0	0	33,695
WELLS FARGO & CO NEW COM	Equities	949746101	1,315	25,610	SH		SOLE		0	0	25,610
SCHWAB U.S. LARGE-CAP GROWTH ETF	Equities	808524300	1,298	25,974	SH		SOLE		0	0	25,974
UNITED PARCEL SERVICE INC CL B	Equities	911312106	1,294	13,111	SH		SOLE		0	0	13,111
ISHARES GLOBAL HEALTHCARE ETF	Equities	464287325	1,214	12,325	SH		SOLE		0	0	12,325
ENERGY SELECT SECTOR SPDR FUND	Equities	81369Y506	1,184	19,340	SH		SOLE		0	0	19,340
AT&T INC COM	Equities	00206R102	1,125	34,542	SH		SOLE		0	0	34,542
COCA COLA CO COM	Equities	191216100	1,105	27,537	SH		SOLE		0	0	27,537
MCDONALDS CORP COM	Equities	580135101	1,093	11,095	SH		SOLE		0	0	11,095
CVS HEALTH CORP COM	Equities	126650100	1,069	11,085	SH		SOLE		0	0	11,085
ABBVIE INC COM	Equities	00287Y109	1,067	19,612	SH		SOLE		0	0	19,612
TEXAS INSTRS INC COM	Equities	882508104	1,058	21,366	SH		SOLE		0	0	21,366
AUTOMATIC DATA PROCESSING INC COM	Equities	053015103	1,020	12,698	SH		SOLE		0	0	12,698
HOME DEPOT	Equities	437076102	1,016	8,796	SH		SOLE		0	0	8,796
TARGET CORP COM	Equities	87612E106	938	11,921	SH		SOLE		0	0	11,921
GOOGLE INC	Equities	38259P508	910	1,426	SH		SOLE		0	0	1,426
VANGUARD TOTAL STOCK MARKET INDEX FUND	Equities	922908769	897	9,090	SH		SOLE		0	0	9,090
ISHARES CORE U.S. AGGREGATE BOND ETF	Equities	464287226	884	8,063	SH		SOLE		0	0	8,063
JPMORGAN CHASE & CO COM	Equities	46625H100	883	14,489	SH		SOLE		0	0	14,489
NOVARTIS A G SPONSORED ADR	Equities	66987V109	881	9,588	SH		SOLE		0	0	9,588
PHILIP MORRIS INTL INC COM	Equities	718172109	875	11,029	SH		SOLE		0	0	11,029
PAYCHEX INC COM	Equities	704326107	865	18,156	SH		SOLE		0	0	18,156
WALGREENS BOOTS ALLIANCE INC COM	Equities	931427108	846	10,177	SH		SOLE		0	0	10,177
ISHARES GLOBAL 100 ETF	Equities	464287572	832	12,024	SH		SOLE		0	0	12,024
POWERSHARES QQQ TRUST, SERIES 1	Equities	73935A104	811	7,968	SH		SOLE		0	0	7,968
BANK AMER CORP COM	Equities	060505104	776	49,810	SH		SOLE		0	0	49,810
SCHLUMBERGER LTD COM	Equities	806857108	767	11,114	SH		SOLE		0	0	11,114
SCHWAB U.S. SMALL-CAP ETF	Equities	808524607	731	14,383	SH		SOLE		0	0	14,383
ALTRIA GROUP INC COM	Equities	02209S103	668	12,271	SH		SOLE		0	0	12,271
ISHARES CORE S&P 500 ETF	Equities	464287200	661	3,431	SH		SOLE		0	0	3,431
ORACLE CORP COM	Equities	68389X105	631	17,457	SH		SOLE		0	0	17,457
VANGUARD SMALL-CAP INDEX FUND	Equities	922908751	626	5,798	SH		SOLE		0	0	5,798
AMGEN INC	Equities	031162100	620	4,481	SH		SOLE		0	0	4,481
MERCK & CO INC NEW COM	Equities	58933Y105	582	11,784	SH		SOLE		0	0	11,784
DUKE ENERGY CORP NEW COM NEW	Equities	26441C204	580	8,057	SH		SOLE		0	0	8,057
SCHWAB US DIVIDEND EQUITY ETF	Equities	808524797	576	16,014	SH		SOLE		0	0	16,014
BOEING CO COM	Equities	097023105	569	4,344	SH		SOLE		0	0	4,344
KIMBERLY CLARK CORP COM	Equities	494368103	546	5,003	SH		SOLE		0	0	5,003
ILLINOIS TOOL WKS INC COM	Equities	452308109	531	6,447	SH		SOLE		0	0	6,447
GOOGLE INC CL C	Equities	38259P706	528	867	SH		SOLE		0	0	867
WAL-MART STORES INC COM	Equities	931142103	491	7,572	SH		SOLE		0	0	7,572
CHUBB CORP COM	Equities	171232101	485	3,958	SH		SOLE		0	0	3,958
UNITEDHEALTH GROUP INC COM	Equities	91324P102	481	4,144	SH		SOLE		0	0	4,144
BRISTOL MYERS SQUIBB CO COM	Equities	110122108	476	8,044	SH		SOLE		0	0	8,044
SPDR S&P 500 TRUST	Equities	78462F103	463	2,414	SH		SOLE		0	0	2,414
SPDR GOLD SHARES	Equities	78463V107	441	4,124	SH		SOLE		0	0	4,124
SUNTRUST BKS INC COM	Equities	867914103	430	11,248	SH		SOLE		0	0	11,248
BERKSHIRE HATHAWAY INC DEL CL A	Equities	084670108	390	2	SH		SOLE		0	0	2
NIKE INC CLASS B	Equities	654106103	385	3,134	SH		SOLE		0	0	3,134
VANGUARD S&P 500 ETF	Equities	922908363	359	2,043	SH		SOLE		0	0	2,043
KRAFT HEINZ CO	Equities	500754106	347	4,914	SH		SOLE		0	0	4,914
COLGATE PALMOLIVE CO COM	Equities	194162103	337	5,318	SH		SOLE		0	0	5,318
VISA INC	Equities	92826C839	326	4,677	SH		SOLE		0	0	4,677
QUALCOMM INC COM	Equities	747525103	320	5,965	SH		SOLE		0	0	5,965
BEMIS INC COM	Equities	081437105	297	7,500	SH		SOLE		0	0	7,500
LILLY ELI & CO COM	Equities	532457108	292	3,485	SH		SOLE		0	0	3,485
BROWN FORMAN CORP CL B	Equities	115637209	291	3,000	SH		SOLE		0	0	3,000
ISHARES SELECT DIVIDEND ETF	Equities	464287168	287	3,940	SH		SOLE		0	0	3,940
MEDTRONIC PLC SHS	Equities	G5960L103	280	4,183	SH		SOLE		0	0	4,183
DOMINION RES INC VA NEW COM	Equities	25746U109	268	3,815	SH		SOLE		0	0	3,815
NORTHERN TR CORP COM	Equities	665859104	268	3,926	SH		SOLE		0	0	3,926
FASTENAL CO COM	Equities	311900104	267	7,292	SH		SOLE		0	0	7,292
ISHARES RUSSELL 1000 GROWTH ETF	Equities	464287614	261	2,804	SH		SOLE		0	0	2,804
MONDELEZ INTL INC CL A	Equities	609207105	256	6,126	SH		SOLE		0	0	6,126
DISNEY WALT CO COM DISNEY	Equities	254687106	237	2,319	SH		SOLE		0	0	2,319
CLOROX CO DEL COM	Equities	189054109	229	1,978	SH		SOLE		0	0	1,978
PRICELINE GRP INC COM NEW	Equities	741503403	209	169	SH		SOLE		0	0	169
GENERAL MLS INC COM	Equities	370334104	205	3,648	SH		SOLE		0	0	3,648
KINDER MORGAN INC	Equities	49456B101	201	7,251	SH		SOLE		0	0	7,251
COGNIZANT TECHNOLOGY SOLUTIONS CL A	Equities	192446102	200	3,195	SH		SOLE		0	0	3,195