UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2013
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: STEARNS FINANCIAL GROUP
Address: 324 W. Wendover Avenue
Suite 204
Greensboro, NC 27408
Form 13F File Number: 028-15345
The institutional investment manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Glenn Joyce
Title: Vice President
Phone: 336-230-1811
Signature, Place, and Date of Signing:
/s/ Glenn Joyce Greensboro, NC May 15, 2013
---------------- -------------- ------------
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager
are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report, and
all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported
by other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
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Form 13F Information Table Entry Total: 97
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Form 13F Information Table Value Total: $ 214,005
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(thousands)
List of Other Included Managers:
Provide a numbered list of the names(s) and Form 13F file numbers(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]
NONE
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
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VOTING AUTHORITY
TITLE OF VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER -------------------
NAME OF ISSUER CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
---------------------------------------- -------- --------- ----------- ----------- --- ---- ---------- -------- ---- ------ -------
Vanguard Dividend Appreciation Equities 921908844 28,691 436,696 SH Yes No 436,696
Vanguard FTSE All-World Equities 922042775 19,306 416,434 SH Yes No 416,434
Vanguard Growth Equities 922908736 15,987 206,261 SH Yes No 206,261
Vanguard Total Bond Index Equities 921937835 15,195 181,675 SH Yes No 181,675
Vanguard Info Technology Equities 92204A702 9,621 131,973 SH Yes No 131,973
iShares Russell 2000 Index Equities 464287655 6,214 65,810 SH Yes No 65,810
S&P 500 Dep Rcpt Equities 78462F103 5,492 35,057 SH Yes No 35,057
iShares Russell MidCap Growth Equities 464287481 5,445 77,924 SH Yes No 77,924
Schwab US Brd Mkt ETF Equities 808524102 5,302 139,674 SH Yes No 139,674
Vanguard High Dividend Yield Equities 921946406 4,721 86,128 SH Yes No 86,128
Johnson and Johnson Equities 478160104 4,457 54,672 SH Yes No 54,672
SPDR Gold Trust Equities 78463V107 3,503 22,679 SH Yes No 22,679
General Electric Co Equities 369604103 3,271 141,491 SH Yes No 141,491
Sector Spdr Health Fund Equities 81369Y209 3,271 71,085 SH Yes No 71,085
Vanguard Emerging Market Equities 922042858 3,119 72,719 SH Yes No 72,719
Berkshire Hathaway Cl B Equities 084670702 3,073 29,494 SH Yes No 29,494
Ishares Gold Trust Equities 464285105 3,038 195,737 SH Yes No 195,737
Chevron Corp Equities 166764100 2,914 24,525 SH Yes No 24,525
Exxon Mobil Corporation Equities 30231G102 2,864 31,779 SH Yes No 31,779
International Business Ma Equities 459200101 2,539 11,904 SH Yes No 11,904
Sector Spdr Engy Select Equities 81369Y506 2,505 31,588 SH Yes No 31,588
Pepsico Incorporated Equities 713448108 2,286 28,891 SH Yes No 28,891
Microsoft Corp Equities 594918104 2,278 79,619 SH Yes No 79,619
Procter & Gamble Co. Equities 742718109 2,235 29,001 SH Yes No 29,001
3M Equities 88579Y101 2,219 20,871 SH Yes No 20,871
Sysco Corporation Equities 871829107 2,151 61,148 SH Yes No 61,148
United Technologies Corp Equities 913017109 2,055 21,993 SH Yes No 21,993
Pfizer Inc Equities 717081103 2,018 69,937 SH Yes No 69,937
Sector Spdr Fincl Select Equities 81369Y605 1,866 102,475 SH Yes No 102,475
Lowes Companies Inc Equities 548661107 1,795 47,348 SH Yes No 47,348
Conocophillips Equities 20825C104 1,784 29,678 SH Yes No 29,678
BB&T Corporation Equities 054937107 1,709 54,429 SH Yes No 54,429
Intel Corporation Equities 458140100 1,553 71,143 SH Yes No 71,143
iShares Barclays 1-3 Yr Credit Equities 464288646 1,510 14,306 SH Yes No 14,306
United Parcel Service Cl B Equities 911312106 1,505 17,521 SH Yes No 17,521
Barclays Aggregate Bond Index Equities 464287226 1,499 13,538 SH Yes No 13,538
Stryker Corp Equities 863667101 1,386 21,241 SH Yes No 21,241
Target Equities 87612E106 1,265 18,487 SH Yes No 18,487
Materials Select Spdr Fund Equities 81369Y100 1,242 31,690 SH Yes No 31,690
AbbVie Inc Equities 00287Y109 1,212 29,718 SH Yes No 29,718
Cisco Systems Equities 17275R102 1,180 56,457 SH Yes No 56,457
Abbott Laboratories Equities 002824100 1,102 31,209 SH Yes No 31,209
iShares S&P Global Healthcare Equities 464287325 1,095 14,853 SH Yes No 14,853
Apple Computer Inc Equities 037833100 1,091 2,465 SH Yes No 2,465
Verizon Communications Equities 92343V104 1,081 21,986 SH Yes No 21,986
Schwab Intl Eq ETF Equities 808524805 1,045 37,525 SH Yes No 37,525
Philip Morris Intl Inc Equities 718172109 1,020 10,997 SH Yes No 10,997
iShares S&P Global 100 Index Equities 464287572 1,017 14,998 SH Yes No 14,998
iShares MSCI Emerging Mkts Ind Equities 464287234 962 22,488 SH Yes No 22,488
A T & T Inc. Equities 00206R102 898 24,484 SH Yes No 24,484
Texas Instrs Inc Equities 882508104 798 22,505 SH Yes No 22,505
Market Vectors Gold Miners ETF Equities 57060U100 786 20,767 SH Yes No 20,767
Paychex Inc Equities 704326107 759 21,655 SH Yes No 21,655
Google Inc Class A Equities 38259P508 753 948 SH Yes No 948
Novartis A G Spon Adr Equities 66987V109 743 10,427 SH Yes No 10,427
Medtronic Inc Equities 585055106 703 14,979 SH Yes No 14,979
CVS Corp Equities 126650100 688 12,503 SH Yes No 12,503
iShares MSCI EAFE Index Equities 464287465 681 11,541 SH Yes No 11,541
Coca Cola Co Equities 191216100 670 16,559 SH Yes No 16,559
Wells Fargo & Co New Equities 949746101 590 15,960 SH Yes No 15,960
Walgreen Company Equities 931422109 546 11,461 SH Yes No 11,461
PowerShares QQQ Trust Ser 1 Equities 73935A104 543 7,873 SH Yes No 7,873
Vanguard Small Cap Equities 922908751 520 5,705 SH Yes No 5,705
Oracle Corporation Equities 68389X105 518 16,017 SH Yes No 16,017
J.P. Morgan Chase & Co., Inc. Equities 46625H100 509 10,723 SH Yes No 10,723
Auto Data Processing Equities 053015103 504 7,751 SH Yes No 7,751
McDonalds Corp Equities 580135101 503 5,043 SH Yes No 5,043
BankAmerica Corp New Equities 060505104 496 40,737 SH Yes No 40,737
Home Depot Inc Equities 437076102 446 6,385 SH Yes No 6,385
Duke Energy Corp New Equities 26441C204 440 6,062 SH Yes No 6,062
Schwab US LC Gro Equities 808524300 400 10,733 SH Yes No 10,733
Nuveen N C Prem Income Mun F Equities 67060P100 367 25,425 SH Yes No 25,425
iShares S&P 500 Index Equities 464287200 367 2,332 SH Yes No 2,332
Illinois Tool Works Inc Equities 452308109 365 5,993 SH Yes No 5,993
Altria Equities 02209S103 333 9,673 SH Yes No 9,673
Schwab US LC Value Equities 808524409 333 9,375 SH Yes No 9,375
Amgen Equities 031162100 331 3,229 SH Yes No 3,229
iShares DJ Select Dividend Equities 464287168 325 5,124 SH Yes No 5,124
Berkshire Hathaway Inc Del Equities 084670108 313 200 SH Yes No 200
Emerson Electric Co Equities 291011104 308 5,516 SH Yes No 5,516
Colgate Palmolive Co Equities 194162103 298 2,529 SH Yes No 2,529
United Healthcare Corp Equities 91324P102 296 5,176 SH Yes No 5,176
Merck & Co Inc New Equities 58933Y105 282 6,371 SH Yes No 6,371
Fastenal Co Equities 311900104 263 5,115 SH Yes No 5,115
iShares DJ US Home Constructio Equities 464288752 262 10,950 SH Yes No 10,950
Schwab US Dividend Equities 808524797 243 7,650 SH Yes No 7,650
Vanguard Total Stock Mkt Equities 922908769 240 2,963 SH Yes No 2,963
Clorox Co Del Equities 189054109 232 2,622 SH Yes No 2,622
BP PLC Adr Equities 055622104 231 5,451 SH Yes No 5,451
Suntrust Banks Inc Equities 867914103 226 7,832 SH Yes No 7,832
Bristol Myers Squibb Co Equities 110122108 221 5,368 SH Yes No 5,368
Nike Inc Equities 654106103 220 3,736 SH Yes No 3,736
Kraft Foods Group Inc Equities 50076Q106 211 4,092 SH Yes No 4,092
Vanguard European Equities 922042874 209 4,254 SH Yes No 4,254
Mondelez Intl Inc Cl A Equities 609207105 205 6,709 SH Yes No 6,709
Cushing MLP Total Return FD Equities 231631102 142 17,500 SH Yes No 17,500
Quaterra Res Inc Equities 747952109 3 15,365 SH Yes No 15,365