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
AT&T INC COM 00206r102 882 25,632 SH   DFND 1 0 0 25,632
ABBVIE INC COM 00287y109 531 8,955 SH   DFND 1 0 0 8,955
AIR PRODUCTS & CHEMS INC COM 009158106 224 1,720 SH   DFND 1 0 0 1,720
AUTOMATIC DATA PROCESSING INC COM 053015103 324 3,828 SH   DFND 1 0 0 3,828
BANCO SANTANDER SA ADR 05964h105 632 129,827 SH   DFND 1 0 0 129,827
BAXTER INTL INC COM 071813109 832 21,804 SH   DFND 1 0 0 21,804
BLACKSTONE GROUP LP COM UNIT LTD 09253u108 745 25,473 SH   DFND 1 0 0 25,473
BLACKROCK ENH CAP & INC FD COM 09256a109 1,645 116,337 SH   DFND 1 0 0 116,337
CVS HEALTH CORPORATION COM 126650100 365 3,735 SH   DFND 1 0 0 3,735
CHUBB CORP COM 171232101 275 2,070 SH   DFND 1 0 0 2,070
CISCO SYSTEMS COM 17275r102 696 25,653 SH   DFND 1 0 0 25,653
CLOROX CO COM 189054109 636 5,015 SH   DFND 1 0 0 5,015
COCA-COLA CO COM 191216100 875 20,376 SH   DFND 1 0 0 20,376
CONOCOPHILIPS COM 20825c104 869 18,628 SH   DFND 1 0 0 18,628
CONSOLIDATED EDISON INC COM 209115104 525 8,161 SH   DFND 1 0 0 8,161
DUPONT E I DE NEMOURS & CO COM 263534109 913 13,711 SH   DFND 1 0 0 13,711
DUKE ENERGY CORP COM 26441c204 623 8,734 SH   DFND 1 0 0 8,734
EMERSON ELECTRIC CO COM 291011104 601 12,567 SH   DFND 1 0 0 12,567
ENTERGY CORP COM 29364g103 623 9,121 SH   DFND 1 0 0 9,121
EXELON CORP COM 30161n101 725 26,115 SH   DFND 1 0 0 26,115
GENERAL ELECTRIC CO COM 369604103 1,221 39,218 SH   DFND 1 0 0 39,218
GRAMERCY PROPERTY TRUST COM 385002100 77 10,000 SH   DFND 1 0 0 10,000
HCP INC COM 40414l109 867 22,688 SH   DFND 1 0 0 22,688
HONEYWELL INTL CO COM 438516106 273 2,634 SH   DFND 1 0 0 2,634
ISHARES CONTRY MIN VL ETF 464286525 4,315 62,282 SH   DFND 1 0 0 62,282
ISHARES TR CORE US AGGBD ETF 464287226 45,142 417,945 SH   DFND 1 0 0 417,945
ISHARES TR CORE S&P MCP ETF 464287507 31,714 227,638 SH   DFND 1 0 0 227,638
ISHARES TR COHEN & STEERS REIT 464287564 10,568 106,489 SH   DFND 1 0 0 106,489
ISHARES TR RUSSELL 1000 ETF 464287622 10,208 90,092 SH   DFND 1 0 0 90,092
ISHARES TR CORE S&P SCP ETF 464287804 14,438 131,130 SH   DFND 1 0 0 131,130
ISHARES TR EUROPE ETF 464287861 11,251 280,504 SH   DFND 1 0 0 280,504
ISHARES TR MBS ETF 464288588 14,716 136,635 SH   DFND 1 0 0 136,635
ISHARES TR INTERM BD ETF 464288638 9,644 89,896 SH   DFND 1 0 0 89,896
ISHARES TR 1-3 YR CR BD ETF 464288646 5,260 50,284 SH   DFND 1 0 0 50,284
ISHARES TR US PFD STK ETF 464288687 9,922 255,371 SH   DFND 1 0 0 255,371
ISHARES TR USA MIN VOL ETF 46429b697 3,449 82,464 SH   DFND 1 0 0 82,464
KKR & CO LP DEL COM UNITS 48248m102 676 43,345 SH   DFND 1 0 0 43,345
KIMBERLY CLARK CORP COM 494368103 1,298 10,193 SH   DFND 1 0 0 10,193
LEGGETT & PLATT INC COM 524660107 499 11,881 SH   DFND 1 0 0 11,881
ELI LILLY & CO COM 532457108 917 10,882 SH   DFND 1 0 0 10,882
MATTEL INC COM 577081102 655 24,109 SH   DFND 1 0 0 24,109
MCDONALDS CORP COM 580135101 776 6,564 SH   DFND 1 0 0 6,564
MICROSOFT CORP COM 594918104 970 17,476 SH   DFND 1 0 0 17,476
NUCOR CORP COM 670346105 730 18,117 SH   DFND 1 0 0 18,117
PFIZER INC COM 717081103 816 25,285 SH   DFND 1 0 0 25,285
PIMCO ETF TR 0-5 HIGH YIELD 72201r783 562 6,130 SH   DFND 1 0 0 6,130
POTASH CORP SASKATCHEWAN INC COM 73755l107 535 31,254 SH   DFND 1 0 0 31,254
POWERSHARES QQQ TRUST UNIT SER 1 73935a104 351 3,141 SH   DFND 1 0 0 3,141
POWERSHARES ETF TRUST FIN PFD FTPL 73935x229 1,051 55,824 SH   DFND 1 0 0 55,824
POWERSHARES GLOBAL ETF TRUST SOVEREIGN DEBT 73936t573 376 13,760 SH   DFND 1 0 0 13,760
PROCTOR & GAMBLE CO COM 742718109 604 7,604 SH   DFND 1 0 0 7,604
SPDR S&P 500 ETF TR TR UNIT 78462f103 64,247 315,137 SH   DFND 1 0 0 315,137
SPDR SERIES TRUST BRC HIGH YIELD BD 78464a417 29,637 873,990 SH   DFND 1 0 0 873,990
SPDR SERIES TRUST DJ REIT ETF 78464a607 210 2,287 SH   DFND 1 0 0 2,287
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467v848 226 4,639 SH   DFND 1 0 0 4,639
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209 6,443 89,444 SH   DFND 1 0 0 89,444
SELECT SECTOR SPDR TR SBI CONS STPLS 81369y308 5,414 107,725 SH   DFND 1 0 0 107,725
SPECTRA ENERGY CORP COM 847560109 703 29,382 SH   DFND 1 0 0 29,382
SYSCO CORP COM 871829107 1,240 30,255 SH   DFND 1 0 0 30,255
VANGUARD TX MGD INTL FD FTSE DEV MKT ETF 921943858 28,595 778,736 SH   DFND 1 0 0 778,736
VENTAS INC COM 92276f100 597 10,573 SH   DFND 1 0 0 10,573
VANGUARD INDEX FUNDS LARGE CAP ETF 922908637 208 2,228 SH   DFND 1 0 0 2,228
VERIZON COMMUNICATIONS INC COM 92343v104 1,061 22,954 SH   DFND 1 0 0 22,954