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
ALPS ETF TR ALERIAN MLP 00162Q866 28 1,459 SH   DFND 1 1,459 0 0
ISHARES EM MKTS DIV ETF 464286319 10 212 SH   DFND 1 212 0 0
ISHARES EM MKTS CURR ETF 464286517 21 413 SH   DFND 1 413 0 0
ISHARES MSCI JAPAN ETF 464286848 54 4,603 SH   DFND 1 4,603 0 0
ISHARES TR SELECT DIVID ETF 464287168 27 357 SH   DFND 1 357 0 0
ISHARES TR CORE S&P500 ETF 464287200 326,809 1,648,382 SH   DFND 1 1,648,382 0 0
ISHARES TR CORE US AGGBD ET 464287226 68,409 626,970 SH   DFND 1 626,970 0 0
ISHARES TR IBOXX INV CP ETF 464287242 79 660 SH   DFND 1 660 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 26 445 SH   DFND 1 445 0 0
ISHARES TR 20+ YR TR BD ETF 464287432 79,015 679,577 SH   DFND 1 679,577 0 0
ISHARES TR MSCI EAFE ETF 464287465 68,832 1,073,485 SH   DFND 1 1,073,485 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 54 427 SH   DFND 1 427 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 22,060 220,401 SH   DFND 1 220,401 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 18,024 196,701 SH   DFND 1 196,701 0 0
ISHARES TR RUS 1000 ETF 464287622 16,199 147,432 SH   DFND 1 147,432 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 24 255 SH   DFND 1 255 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 14,100 128,935 SH   DFND 1 128,935 0 0
ISHARES TR U.S. BAS MTL ETF 464287838 26 300 SH   DFND 1 300 0 0
ISHARES INTL TREA BD ETF 464288117 14,163 142,685 SH   DFND 1 142,685 0 0
ISHARES JP MOR EM MK ETF 464288281 78 684 SH   DFND 1 684 0 0
ISHARES INTL SEL DIV ETF 464288448 20 534 SH   DFND 1 534 0 0
ISHARES INTERM CR BD ETF 464288638 14,670 134,204 SH   DFND 1 134,204 0 0
ISHARES 1-3 YR CR BD ETF 464288646 25 236 SH   DFND 1 236 0 0
ISHARES U.S. PFD STK ETF 464288687 11 266 SH   DFND 1 266 0 0
ISHARES GLOBAL MATER ETF 464288695 24 395 SH   DFND 1 395 0 0
ISHARES TR INTL PFD STK ETF 46429B135 11 433 SH   DFND 1 433 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 81,392 413,112 SH   DFND 1 413,112 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 76 1,868 SH   DFND 1 1,868 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 263,012 3,210,192 SH   DFND 1 3,210,192 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 52 984 SH   DFND 1 984 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 154 2,541 SH   DFND 1 2,541 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 681 16,307 SH   DFND 1 16,307 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,362 32,867 SH   DFND 1 32,867 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 51,066 461,584 SH   DFND 1 461,584 0 0