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

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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
APPLE INC COM 037833100 278 2,557 SH   SOLE   0 0 2,557
AT&T INC COM 00206R102 263 6,699 SH   SOLE   0 0 6,699
COLGATE PALMOLIVE CO COM 194162103 526 7,481 SH   SOLE   0 0 7,481
EXXON MOBIL CORP COM 30231G102 283 3,384 SH   SOLE   0 0 3,384
GENERAL ELECTRIC CO COM 369604103 288 9,066 SH   SOLE   0 0 9,066
HOME DEPOT INC COM 437076102 222 1,665 SH   SOLE   0 0 1,665
INTERNATIONAL BUSINESS MACHS COM 459200101 320 2,108 SH   SOLE   0 0 2,108
ISHARES TR 20 YR TR BD ETF 464287432 18,455 141,329 SH   SOLE   0 0 141,329
ISHARES TR 7-10 Y TR BD ETF 464287440 41,899 379,708 SH   SOLE   0 0 379,708
ISHARES TR RUS 1000 VAL ETF 464287598 7,129 72,170 SH   SOLE   0 0 72,170
ISHARES TR RUS 1000 GRW ETF 464287614 14,157 141,967 SH   SOLE   0 0 141,967
ISHARES TR HDG MSCI EAFE 46434V803 13,786 578,079 SH   SOLE   0 0 578,079
JOHNSON & JOHNSON COM 478160104 690 6,376 SH   SOLE   0 0 6,376
JPMORGAN CHASE & CO COM 46625H100 1,817 30,677 SH   SOLE   0 0 30,677
MERCK & CO INC NEW COM 58933Y105 653 12,350 SH   SOLE   0 0 12,350
PUBLIC SVC ENTERPRISE GROUP COM 744573106 605 12,837 SH   SOLE   0 0 12,837
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 234 4,752 SH   SOLE   0 0 4,752
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,232 23,530 SH   SOLE   0 0 23,530
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 638 14,901 SH   SOLE   0 0 14,901
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 609 11,084 SH   SOLE   0 0 11,084
SPDR GOLD TRUST GOLD SHS 78463V107 8,458 71,886 SH   SOLE   0 0 71,886
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 5,313 109,549 SH   SOLE   0 0 109,549