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
Vanguard FTSE DEV MKT ETF 921943858 22,064 561,445 SH   SOLE NONE 0 0 561,445
iShares CORE S&P500 ETF 464287200 21,222 89,446 SH   SOLE NONE 0 0 89,446
Vanguard SHORT TRM BOND 921937827 20,436 256,349 SH   SOLE NONE 0 0 256,349
iShares CORE S&P MCP ETF 464287507 16,100 94,032 SH   SOLE NONE 0 0 94,032
Schwab US DIVIDEND EQ 808524797 9,719 218,028 SH   SOLE NONE 0 0 218,028
iShares CORE US AGGBD ET 464287226 9,374 86,412 SH   SOLE NONE 0 0 86,412
SPDR BLOMBERG BRC SRT 78464A474 9,163 299,366 SH   SOLE NONE 0 0 299,366
iShares 7-10YR TR BD ETF 464287440 8,911 84,393 SH   SOLE NONE 0 0 84,393
Vanguard FTSE EMR MKT ETF 922042858 6,217 156,544 SH   SOLE NONE 0 0 156,544
Powershares UNIT SER 1 73935A104 5,535 41,819 SH   SOLE NONE 0 0 41,819
SPDR BLOMBRG BRC INTR 78464A375 5,471 160,302 SH   SOLE NONE 0 0 160,302
Vanguard TOTAL STK MKT 922908769 5,273 43,465 SH   SOLE NONE 0 0 43,465
iShares ISHARES 464285105 5,074 422,553 SH   SOLE NONE 0 0 422,553
Vanguard TOTAL BND MRKT 921937835 4,560 56,246 SH   SOLE NONE 0 0 56,246
iShares TIPS BD ETF 464287176 4,376 38,173 SH   SOLE NONE 0 0 38,173
SPDR TR UNIT 78462F103 3,906 16,571 SH   SOLE NONE 0 0 16,571
iShares SHRT TRS BD ETF 464288679 3,819 34,614 SH   SOLE NONE 0 0 34,614
Vanguard DIV APP ETF 921908844 3,640 40,477 SH   SOLE NONE 0 0 40,477
N/A COM 46625H100 1,549 17,638 SH   SOLE NONE 0 0 17,638
N/A COM 037833100 1,539 10,714 SH   SOLE NONE 0 0 10,714
N/A COM 30231G102 1,318 16,075 SH   SOLE NONE 0 0 16,075
Powershares S&P500 LOW VOL 73937B779 1,301 29,948 SH   SOLE NONE 0 0 29,948
N/A COM 594918104 1,286 19,538 SH   SOLE NONE 0 0 19,538
N/A COM DISNEY 254687106 1,198 10,573 SH   SOLE NONE 0 0 10,573
N/A COM 92343V104 1,170 24,006 SH   SOLE NONE 0 0 24,006
N/A COM 907818108 1,147 10,835 SH   SOLE NONE 0 0 10,835
N/A COM H1467J104 1,120 8,226 SH   SOLE NONE 0 0 8,226
N/A COM 88579Y101 1,090 5,701 SH   SOLE NONE 0 0 5,701
N/A REG SHS H84989104 1,090 14,625 SH   SOLE NONE 0 0 14,625
N/A COM 097023105 1,065 6,025 SH   SOLE NONE 0 0 6,025
N/A SHS CLASS A G1151C101 1,043 8,705 SH   SOLE NONE 0 0 8,705
N/A COM 595017104 1,031 13,985 SH   SOLE NONE 0 0 13,985
N/A COM 742718109 1,028 11,443 SH   SOLE NONE 0 0 11,443
N/A COM 14149Y108 1,023 12,547 SH   SOLE NONE 0 0 12,547
N/A COM 437076102 1,008 6,870 SH   SOLE NONE 0 0 6,870
N/A COM 25746U109 989 12,757 SH   SOLE NONE 0 0 12,757
N/A COM 713448108 986 8,816 SH   SOLE NONE 0 0 8,816
N/A CL A 57636Q104 984 8,757 SH   SOLE NONE 0 0 8,757
N/A COM 438516106 981 7,856 SH   SOLE NONE 0 0 7,856
N/A COM 717081103 979 28,634 SH   SOLE NONE 0 0 28,634
N/A COM 174610105 961 27,824 SH   SOLE NONE 0 0 27,824
N/A COM 918204108 961 17,484 SH   SOLE NONE 0 0 17,484
N/A COM 008916108 925 9,688 SH   SOLE NONE 0 0 9,688
N/A COM 693475105 924 7,691 SH   SOLE NONE 0 0 7,691
N/A COM 17275R102 904 26,767 SH   SOLE NONE 0 0 26,767
N/A COM 747525103 871 15,205 SH   SOLE NONE 0 0 15,205
N/A COM 580135101 871 6,723 SH   SOLE NONE 0 0 6,723
N/A SHS G29183103 861 11,612 SH   SOLE NONE 0 0 11,612
N/A COM 369604103 860 28,889 SH   SOLE NONE 0 0 28,889
N/A SHS - A - N53745100 853 9,358 SH   SOLE NONE 0 0 9,358
N/A COM 718546104 850 10,739 SH   SOLE NONE 0 0 10,739
N/A COM 189754104 830 20,087 SH   SOLE NONE 0 0 20,087
N/A COM 11133T103 827 12,176 SH   SOLE NONE 0 0 12,176
N/A COM 031162100 784 4,783 SH   SOLE NONE 0 0 4,783
N/A COM 478160104 780 6,267 SH   SOLE NONE 0 0 6,267
N/A COM 375558103 769 11,334 SH   SOLE NONE 0 0 11,334
N/A COM 126650100 755 9,628 SH   SOLE NONE 0 0 9,628
N/A SHS G491BT108 750 24,492 SH   SOLE NONE 0 0 24,492
N/A SHS G51502105 740 17,574 SH   SOLE NONE 0 0 17,574
N/A COM 98310W108 723 8,585 SH   SOLE NONE 0 0 8,585
N/A COM 37045V100 708 20,032 SH   SOLE NONE 0 0 20,032
N/A SPONSORED ADR 03524A108 703 6,413 SH   SOLE NONE 0 0 6,413
Vanguard MIDCP 400 IDX 921932885 703 6,084 SH   SOLE NONE 0 0 6,084
N/A COM 38141G104 691 3,010 SH   SOLE NONE 0 0 3,010
N/A CL A COM 55303A105 690 25,530 SH   SOLE NONE 0 0 25,530
N/A SHS EUR G6518L108 652 15,794 SH   SOLE NONE 0 0 15,794
N/A COM NEW 26441C204 630 7,691 SH   SOLE NONE 0 0 7,691
N/A COM 053015103 617 6,028 SH   SOLE NONE 0 0 6,028
N/A COM 681919106 593 6,888 SH   SOLE NONE 0 0 6,888
N/A COM NEW 755111507 592 3,883 SH   SOLE NONE 0 0 3,883
N/A COM 913017109 560 4,999 SH   SOLE NONE 0 0 4,999
N/A SPONSORED ADR 37733W105 545 12,941 SH   SOLE NONE 0 0 12,941
N/A COM 863667101 517 3,930 SH   SOLE NONE 0 0 3,930
N/A COM 87971M103 497 15,310 SH   SOLE NONE 0 0 15,310
Powershares DYNM LRG CP VL 73935X708 492 13,934 SH   SOLE NONE 0 0 13,934
N/A COM 500754106 484 5,330 SH   SOLE NONE 0 0 5,330
N/A COM 423452101 447 6,716 SH   SOLE NONE 0 0 6,716
N/A CL B NEW 084670702 427 2,566 SH   SOLE NONE 0 0 2,566
N/A CL B 654106103 404 7,255 SH   SOLE NONE 0 0 7,255
N/A COM 949746101 384 6,913 SH   SOLE NONE 0 0 6,913
N/A COM 58933Y105 379 5,979 SH   SOLE NONE 0 0 5,979
N/A SHS G5960L103 367 4,568 SH   SOLE NONE 0 0 4,568
N/A COM 855244109 351 6,022 SH   SOLE NONE 0 0 6,022
N/A COM 110122108 351 6,461 SH   SOLE NONE 0 0 6,461
N/A COM 458140100 340 9,453 SH   SOLE NONE 0 0 9,453
N/A COM 166764100 337 3,145 SH   SOLE NONE 0 0 3,145
Vanguard ALLWRLD EX US 922042775 295 6,183 SH   SOLE NONE 0 0 6,183
N/A COM 00206R102 292 7,051 SH   SOLE NONE 0 0 7,051
N/A COM 194162103 291 3,980 SH   SOLE NONE 0 0 3,980
N/A COM 235851102 290 3,396 SH   SOLE NONE 0 0 3,396
iShares A RATE CP BD ETF 46429B291 287 5,571 SH   SOLE NONE 0 0 5,571
N/A COM 91913Y100 286 4,325 SH   SOLE NONE 0 0 4,325
N/A COM 674599105 286 4,515 SH   SOLE NONE 0 0 4,515
N/A COM 806857108 275 3,524 SH   SOLE NONE 0 0 3,524
N/A COM 009158106 268 1,983 SH   SOLE NONE 0 0 1,983
N/A COM 44267D107 251 2,147 SH   SOLE NONE 0 0 2,147
N/A COM 882508104 240 2,981 SH   SOLE NONE 0 0 2,981
N/A COM 370334104 239 4,059 SH   SOLE NONE 0 0 4,059
N/A COM 002824100 233 5,267 SH   SOLE NONE 0 0 5,267
N/A COM 452308109 232 1,758 SH   SOLE NONE 0 0 1,758
N/A COM 36174X101 231 10,000 SH   SOLE NONE 0 0 10,000
N/A COM 872540109 228 2,893 SH   SOLE NONE 0 0 2,893
N/A COM 291011104 226 3,785 SH   SOLE NONE 0 0 3,785
N/A COM 571748102 220 2,980 SH   SOLE NONE 0 0 2,980
N/A COM NEW 832696405 219 1,675 SH   SOLE NONE 0 0 1,675
Vanguard SMALL CP ETF 922908751 219 1,645 SH   SOLE NONE 0 0 1,645
N/A CL A 20030N101 213 5,672 SH   SOLE NONE 0 0 5,672
N/A COM 65339F101 212 1,658 SH   SOLE NONE 0 0 1,658
N/A COM 00287Y109 209 3,220 SH   SOLE NONE 0 0 3,220
N/A COM 816851109 208 1,891 SH   SOLE NONE 0 0 1,891
N/A CAP STK CL A 02079K305 206 244 SH   SOLE NONE 0 0 244
N/A COM 539830109 203 760 SH   SOLE NONE 0 0 760