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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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
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 48 1,202 SH   SOLE   0 0 1,202
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 341,541 4,354,168 SH   SOLE   0 0 4,354,168
DISNEY WALT CO COM DISNEY 254687106 15 154 SH   SOLE   0 0 154
SNAP INC CL A 83304A106 1 33 SH   SOLE   0 0 33
SPDR S&P 500 ETF TR TR UNIT 78462F103 46 176 SH   SOLE   0 0 176
SPDR SERIES TRUST DJ REIT ETF 78464A607 58 674 SH   SOLE   0 0 674
GENERAL ELECTRIC CO COM 369604103 4 286 SH   SOLE   0 0 286
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 198 6,717 SH   SOLE   0 0 6,717
POWERSHARES ETF TRUST GBL LSTD PVT EQT 73935X195 9,032 750,168 SH   SOLE   0 0 750,168
APPLE INC COM 037833100 153 914 SH   SOLE   0 0 914
VANGUARD WORLD FDS UTILITIES ETF 92204A876 130,641 1,168,418 SH   SOLE   0 0 1,168,418
AT&T INC COM 00206R102 3 94 SH   SOLE   0 0 94
PROCTER AND GAMBLE CO COM 742718109 875 11,040 SH   SOLE   0 0 11,040
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 192,240 1,381,931 SH   SOLE   0 0 1,381,931
POWERSHARES ETF TRUST DYNM LRG CP GR 73935X609 55 1,276 SH   SOLE   0 0 1,276
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1 10 SH   SOLE   0 0 10
DUKE ENERGY CORP NEW COM NEW 26441C204 4 47 SH   SOLE   0 0 47
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 127,565 937,151 SH   SOLE   0 0 937,151
POWERSHARES DB G10 CURCY HAR COM UT BEN INT 73935Y102 95 4,046 SH   SOLE   0 0 4,046
VANGUARD WORLD FDS ENERGY ETF 92204A306 160,356 1,736,021 SH   SOLE   0 0 1,736,021
POWERSHARES ETF TRUST RUSSELL 2000 GRW 73935X872 53 1,603 SH   SOLE   0 0 1,603
EXXON MOBIL CORP COM 30231G102 15 199 SH   SOLE   0 0 199
JPMORGAN CHASE & CO COM 46625H100 5 50 SH   SOLE   0 0 50
O REILLY AUTOMOTIVE INC NEW COM 67103H107 25 100 SH   SOLE   0 0 100
ADVANSIX INC COM 00773T101 0 9 SH   SOLE   0 0 9
ISHARES TR GLB CNSM STP ETF 464288737 0 2 SH   SOLE   0 0 2
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 200,952 2,892,638 SH   SOLE   0 0 2,892,638
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 66,981 736,778 SH   SOLE   0 0 736,778
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 181 5,036 SH   SOLE   0 0 5,036
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 191,641 1,208,180 SH   SOLE   0 0 1,208,180
SYSCO CORP COM 871829107 0 0 SH   SOLE   0 0 0
DTE ENERGY CO COM 233331107 27 260 SH   SOLE   0 0 260
MONDELEZ INTL INC CL A 609207105 3 82 SH   SOLE   0 0 82
POWERSHARES ETF TRUST RUSSELL MID GRW 73935X807 85 1,864 SH   SOLE   0 0 1,864
KIMBERLY CLARK CORP COM 494368103 3 28 SH   SOLE   0 0 28
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 116,396 1,542,280 SH   SOLE   0 0 1,542,280
PUBLIC SVC ENTERPRISE GROUP COM 744573106 30 607 SH   SOLE   0 0 607
TIER REIT INC COM NEW 88650V208 4 202 SH   SOLE   0 0 202
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2 23 SH   SOLE   0 0 23
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 19 SH   SOLE   0 0 19
DR PEPPER SNAPPLE GROUP INC COM 26138E109 5 39 SH   SOLE   0 0 39
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 67,258 822,531 SH   SOLE   0 0 822,531
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 184,837 1,203,912 SH   SOLE   0 0 1,203,912
LILLY ELI & CO COM 532457108 3 42 SH   SOLE   0 0 42
HOME DEPOT INC COM 437076102 91 510 SH   SOLE   0 0 510
VANGUARD WORLD FDS MATERIALS ETF 92204A801 185,323 1,437,730 SH   SOLE   0 0 1,437,730
POWERSHARES ETF TRUST RUSSELL 2000 VAL 73935X864 96 3,285 SH   SOLE   0 0 3,285
CITIGROUP INC COM NEW 172967424 9 130 SH   SOLE   0 0 130
NORFOLK SOUTHERN CORP COM 655844108 42 307 SH   SOLE   0 0 307
VANGUARD INDEX FDS TOTAL STK MKT 922908769 47 345 SH   SOLE   0 0 345
WASTE MGMT INC DEL COM 94106L109 4 44 SH   SOLE   0 0 44
CAMPBELL SOUP CO COM 134429109 2 57 SH   SOLE   0 0 57
SOUTHERN CO COM 842587107 3 75 SH   SOLE   0 0 75
COCA COLA CO COM 191216100 4 85 SH   SOLE   0 0 85
VANGUARD WORLD FDS TELCOMM ETF 92204A884 115,315 1,378,217 SH   SOLE   0 0 1,378,217
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 171 3,058 SH   SOLE   0 0 3,058
3M CO COM 88579Y101 3 15 SH   SOLE   0 0 15
CORPORATE CAP TR INC COM 219880101 22 1,302 SH   SOLE   0 0 1,302
INTERNATIONAL BUSINESS MACHS COM 459200101 111 726 SH   SOLE   0 0 726
REPUBLIC SVCS INC COM 760759100 4 64 SH   SOLE   0 0 64
TESLA INC COM 88160R101 1 2 SH   SOLE   0 0 2
MCCORMICK & CO INC COM VTG 579780107 17 159 SH   SOLE   0 0 159
MERCK & CO INC COM 58933Y105 4 65 SH   SOLE   0 0 65
GENERAL MLS INC COM 370334104 2 55 SH   SOLE   0 0 55
VANGUARD WORLD FDS INF TECH ETF 92204A702 209,871 1,227,316 SH   SOLE   0 0 1,227,316
ISHARES TR S&P US PFD STK 464288687 0 5 SH   SOLE   0 0 5
BRISTOL MYERS SQUIBB CO COM 110122108 3 51 SH   SOLE   0 0 51
MCDONALDS CORP COM 580135101 3 21 SH   SOLE   0 0 21
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 9,915 583,950 SH   SOLE   0 0 583,950
POWERSHARES ETF TRUST DYNM LRG CP VL 73935X708 94 2,570 SH   SOLE   0 0 2,570
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 363 12,901 SH   SOLE   0 0 12,901
ALLIANT ENERGY CORP COM 018802108 4 98 SH   SOLE   0 0 98
MCCORMICK & CO INC COM NON VTG 579780206 0 0 SH   SOLE   0 0 0
SANGAMO THERAPEUTICS INC COM 800677106 94 4,950 SH   SOLE   0 0 4,950
PRUDENTIAL BANCORP INC NEW COM 74431A101 94 5,189 SH   SOLE   0 0 5,189
WISDOMTREE TR BLMBG US BULL 97717W471 1 36 SH   SOLE   0 0 36
HONEYWELL INTL INC COM 438516106 35 240 SH   SOLE   0 0 240
POWERSHARES ETF TRUST RUSSELL MID VAL 73935X880 62 2,034 SH   SOLE   0 0 2,034
AFLAC INC COM 001055102 7 150 SH   SOLE   0 0 150
KELLOGG CO COM 487836108 0 0 SH   SOLE   0 0 0
JOHNSON & JOHNSON COM 478160104 4 28 SH   SOLE   0 0 28