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
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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
ISHARES TR IBOXX INV CP ETF 464287242 15,243 123,748 SH   SOLE   0 0 123,748
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 4,446 121,089 SH   SOLE   0 0 121,089
SPDR SER TR SHT TRM HGH YLD 78468R408 4,474 161,573 SH   SOLE   0 0 161,573
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,444 80,003 SH   SOLE   0 0 80,003
ISHARES TR U.S. PFD STK ETF 464288687 25,137 636,389 SH   SOLE   0 0 636,389
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 10,483 145,377 SH   SOLE   0 0 145,377
COCA COLA CO COM 191216100 238 5,619 SH   SOLE   0 0 5,619
ISHARES TR S&P 100 ETF 464287101 16,357 170,510 SH   SOLE   0 0 170,510
ISHARES TR CORE S&P500 ETF 464287200 783 3,600 SH   SOLE   0 0 3,600
ISHARES TR RUS 1000 GRW ETF 464287614 23,355 224,202 SH   SOLE   0 0 224,202
ISHARES TR RUSSELL 2000 ETF 464287655 7,706 62,038 SH   SOLE   0 0 62,038
ISHARES TR U.S. REAL ES ETF 464287739 15,612 193,603 SH   SOLE   0 0 193,603
ISHARES TR U.S. REAL ES ETF 464287739 537 1,942 SH   SOLE   0 0 1,942
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 945 11,259 SH   SOLE   0 0 11,259
VANGUARD INDEX FDS GROWTH ETF 922908736 14,354 127,834 SH   SOLE   0 0 127,834
AT&T INC COM 00206R102 401 9,871 SH   SOLE   0 0 9,871
CLIFFS NAT RES INC COM 18683K101 72 12,240 SH   SOLE   0 0 12,240
EATON VANCE TX MGD DIV EQ IN COM 27828N102 211 19,671 SH   SOLE   0 0 19,671
EXXON MOBIL CORP COM 30231G102 792 9,074 SH   SOLE   0 0 9,074
ISHARES TR MIN VOL USA ETF 46429B697 6,584 144,936 SH   SOLE   0 0 144,936
PIMCO CORPORATE & INCOME OPP COM 72201B101 212 14,502 SH   SOLE   0 0 14,502
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 3,826 92,207 SH   SOLE   0 0 92,207
SPDR S&P 500 ETF TR TR UNIT 78462F103 94,302 435,980 SH   SOLE   0 0 435,980
SPDR SERIES TRUST S&P DIVID ETF 78464A763 28,538 338,289 SH   SOLE   0 0 338,289
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 44,738 158,492 SH   SOLE   0 0 158,492