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
SPDR KBW REGIONAL BANKING ETF ETF 78464A698 499 8,183 SH   SOLE   0 0 8,183
VANGUARD VALUE ETF ETF 922908744 18,366 176,886 SH   SOLE   0 0 176,886
JPM ALERIAN MLP ETN ETN 46625H365 3 100 SH   SOLE   0 0 100
ISHARES EMU ETF ETF 464286608 38 927 SH   SOLE   0 0 927
ISHARES MSCI EMG MKT ETF ETF 464287234 262 6,058 SH   SOLE   0 0 6,058
ISHARES EAFE SML CP ETF ETF 464288273 2,882 45,940 SH   SOLE   0 0 45,940
VANGUARD DIV APP ETF ETF 921908844 7,564 74,432 SH   SOLE   0 0 74,432
WISDOMTREE TR MDCP EARN FUND ETF ETF 97717W570 8,451 210,384 SH   SOLE   0 0 210,384
POWERSHARES FTSE US1500 SM ETF ETF 73935X567 82,577 593,398 SH   SOLE   0 0 593,398
ISHARES CORE SP500 ETF ETF 464287200 7,903 28,945 SH   SOLE   0 0 28,945
XTRAK MSCI EAFE ETF ETF 233051200 64 2,033 SH   SOLE   0 0 2,033
ISHARES INTL SEL DIV ETF ETF 464288448 6 182 SH   SOLE   0 0 182
ISHARES CORE MSCI EMKT ETF ETF 46434G103 9,326 177,608 SH   SOLE   0 0 177,608
VANGUARD INTL EQUITY INDEX FD ETF ETF 922042676 76,043 1,309,282 SH   SOLE   0 0 1,309,282
SPDR SERIES TR SP OILGAS EXP ETF ETF 78464A730 12 278 SH   SOLE   0 0 278
ISHARES MSCI EAFE ETF ETF 464287465 2,134 31,867 SH   SOLE   0 0 31,867
SPDR SP INTL SMLCP ETF ETF 78463X871 557 16,245 SH   SOLE   0 0 16,245
ISHARES US REGNL BKS ETF ETF 464288778 65 1,320 SH   SOLE   0 0 1,320
ISHARES CORE SP MCP ETF ETF 464287507 2,386 12,248 SH   SOLE   0 0 12,248
ISHARES SP500 VAL ETF ETF 464287408 1,331 12,085 SH   SOLE   0 0 12,085
VANGUARD FTSE EMR MKT ETF ETF 922042858 60 1,431 SH   SOLE   0 0 1,431
VANGUARD EXTEND MKT ETF ETF 922908652 12 100 SH   SOLE   0 0 100
SPDR SP 500 ETF TR ETF 78462F103 2,152 7,932 SH   SOLE   0 0 7,932