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
ALTRIA GROUP INC COM 02209S103 207 3,000 SH   SOLE   0 0 3,000
APPLE INC COM 037833100 285 2,983 SH   SOLE   0 0 2,983
AT&T INC COM 00206R102 289 6,699 SH   SOLE   0 0 6,699
CHEVRON CORP NEW COM 166764100 276 2,640 SH   SOLE   0 0 2,640
COLGATE PALMOLIVE CO COM 194162103 548 7,481 SH   SOLE   0 0 7,481
DISNEY WALT CO COM DISNEY 254687106 209 2,126 SH   SOLE   0 0 2,126
EXXON MOBIL CORP COM 30231G102 375 4,003 SH   SOLE   0 0 4,003
GENERAL ELECTRIC CO COM 369604103 481 15,283 SH   SOLE   0 0 15,283
HOME DEPOT INC COM 437076102 212 1,665 SH   SOLE   0 0 1,665
INTERNATIONAL BUSINESS MACHS COM 459200101 289 1,896 SH   SOLE   0 0 1,896
ISHARES TR 20 YR TR BD ETF 464287432 19,888 143,182 SH   SOLE   0 0 143,182
ISHARES TR 7-10 Y TR BD ETF 464287440 41,354 366,082 SH   SOLE   0 0 366,082
ISHARES TR HDG MSCI EAFE 46434V803 13,505 563,464 SH   SOLE   0 0 563,464
ISHARES TR RUS 1000 GRW ETF 464287614 13,664 136,106 SH   SOLE   0 0 136,106
ISHARES TR RUS 1000 VAL ETF 464287598 7,239 70,195 SH   SOLE   0 0 70,195
JOHNSON & JOHNSON COM 478160104 774 6,376 SH   SOLE   0 0 6,376
JPMORGAN CHASE & CO COM 46625H100 1,807 29,057 SH   SOLE   0 0 29,057
MERCK & CO INC COM 58933Y105 712 12,350 SH   SOLE   0 0 12,350
PUBLIC SVC ENTERPRISE GROUP COM 744573106 590 12,637 SH   SOLE   0 0 12,637
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 589 10,622 SH   SOLE   0 0 10,622
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 234 4,656 SH   SOLE   0 0 4,656
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,161 22,113 SH   SOLE   0 0 22,113
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 639 14,333 SH   SOLE   0 0 14,333
SPDR GOLD TRUST GOLD SHS 78463V107 8,859 70,119 SH   SOLE   0 0 70,119
SPDR SERIES TRUST BRCLYS LG TRS ET 78464A664 234 2,953 SH   SOLE   0 0 2,953
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 22,671 454,080 SH   SOLE   0 0 454,080
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 5,083 109,052 SH   SOLE   0 0 109,052