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
N/A SPONS ADR 2 ORD 780097689 68 10,440 SH   DFND 1,2 0 0 10,440
N/A COM 68389X105 202 3,919 SH   DFND 1,2 0 0 3,919
N/A COM 94106L109 206 2,282 SH   DFND 1,2 0 0 2,282
N/A SPON ADR NEW 904767704 206 3,757 SH   DFND 1,2 0 0 3,757
SPDR GOLD SHS 78463V107 210 1,865 SH   DFND 1,2 0 0 1,865
N/A COM 56585A102 212 2,656 SH   DFND 1,2 0 0 2,656
Vanguard SMALL CP ETF 922908751 236 1,455 SH   DFND 1,2 0 0 1,455
N/A COM NEW 902973304 251 4,754 SH   DFND 1,2 0 0 4,754
ishares TIPS BD ETF 464287176 252 2,280 SH   DFND 1,2 0 0 2,280
N/A COM 291011104 255 3,335 SH   DFND 1,2 0 0 3,335
N/A COM 191216100 255 5,538 SH   DFND 1,2 0 0 5,538
N/A SHS G5960L103 259 2,636 SH   DFND 1,2 0 0 2,636
N/A COM 571748102 264 3,198 SH   DFND 1,2 0 0 3,198
N/A COM 126408103 268 3,630 SH   DFND 1,2 0 0 3,630
N/A COM 00206R102 270 8,069 SH   DFND 1,2 0 0 8,069
ishares RUSSELL 2000 ETF 464287655 273 1,622 SH   DFND 1,2 0 0 1,622
N/A COM 91324P102 275 1,036 SH   DFND 1,2 0 0 1,036
N/A COM 00287Y109 286 3,032 SH   DFND 1,2 0 0 3,032
N/A COM 674599105 291 3,542 SH   DFND 1,2 0 0 3,542
N/A COM 461202103 291 1,281 SH   DFND 1,2 0 0 1,281
N/A COM 74005P104 292 1,821 SH   DFND 1,2 0 0 1,821
N/A COM 03027X100 293 2,020 SH   DFND 1,2 0 0 2,020
N/A COM 500754106 295 5,365 SH   DFND 1,2 0 0 5,365
N/A SHS G29183103 301 3,473 SH   DFND 1,2 0 0 3,473
N/A COM 194162103 301 4,502 SH   DFND 1,2 0 0 4,502
N/A COM 65339F101 306 1,829 SH   DFND 1,2 0 0 1,829
N/A CL A 20030N101 310 8,781 SH   DFND 1,2 0 0 8,781
N/A COM 023135106 316 158 SH   DFND 1,2 0 0 158
N/A COM 539830109 322 932 SH   DFND 1,2 0 0 932
PowerShares FTSE RAFI 1000 46137V613 323 2,725 SH   DFND 1,2 0 0 2,725
SPDR PORTFOLIO INTRMD 78464A375 324 9,752 SH   DFND 1,2 0 0 9,752
N/A COM 060505104 329 11,178 SH   DFND 1,2 0 0 11,178
N/A COM 009158106 342 2,050 SH   DFND 1,2 0 0 2,050
Goldman Sachs EQUITY ETF 381430503 343 5,850 SH   DFND 1,2 0 0 5,850
N/A COM 872540109 345 3,082 SH   DFND 1,2 0 0 3,082
ishares ETF MSCI USA 46435G425 346 5,420 SH   DFND 1,2 0 0 5,420
N/A CAP STK CL A 02079K305 352 292 SH   DFND 1,2 0 0 292
N/A COM 002824100 354 4,838 SH   DFND 1,2 0 0 4,838
N/A COM CL A 92826C839 362 2,413 SH   DFND 1,2 0 0 2,413
N/A COM 855244109 365 6,436 SH   DFND 1,2 0 0 6,436
N/A COM 949746101 382 7,273 SH   DFND 1,2 0 0 7,273
PowerShares DYNMC LRG VALU 46137V738 391 10,482 SH   DFND 1,2 0 0 10,482
N/A COM 235851102 395 3,642 SH   DFND 1,2 0 0 3,642
N/A COM 452308109 410 2,911 SH   DFND 1,2 0 0 2,911
N/A SPON ADR NEW 25243Q205 414 2,923 SH   DFND 1,2 0 0 2,923
N/A CAP STK CL C 02079K107 426 357 SH   DFND 1,2 0 0 357
N/A COM 58933Y105 430 6,069 SH   DFND 1,2 0 0 6,069
N/A COM 882508104 447 4,173 SH   DFND 1,2 0 0 4,173
N/A COM 91913Y100 453 3,985 SH   DFND 1,2 0 0 3,985
N/A COM 166764100 467 3,821 SH   DFND 1,2 0 0 3,821
N/A COM 110122108 486 7,836 SH   DFND 1,2 0 0 7,836
N/A COM 88579Y101 520 2,471 SH   DFND 1,2 0 0 2,471
N/A COM 458140100 523 11,079 SH   DFND 1,2 0 0 11,079
N/A CL B NEW 084670702 622 2,906 SH   DFND 1,2 0 0 2,906
Vanguard MIDCP 400 IDX 921932885 639 4,705 SH   DFND 1,2 0 0 4,705
N/A COM 681919106 707 10,394 SH   DFND 1,2 0 0 10,394
N/A COM 863667101 728 4,101 SH   DFND 1,2 0 0 4,101
N/A CL B 654106103 737 8,708 SH   DFND 1,2 0 0 8,708
N/A SPONSORED ADR 37733W105 752 18,744 SH   DFND 1,2 0 0 18,744
N/A COM 15189T107 811 29,359 SH   DFND 1,2 0 0 29,359
N/A CL A 609207105 820 19,096 SH   DFND 1,2 0 0 19,096
Vanguard ALLWRLD EX US 922042775 821 15,788 SH   DFND 1,2 0 0 15,788
N/A COM 29250N105 837 25,934 SH   DFND 1,2 0 0 25,934
N/A COM NEW 755111507 859 4,159 SH   DFND 1,2 0 0 4,159
N/A SPON ADR B 780259107 864 12,187 SH   DFND 1,2 0 0 12,187
N/A COM 30161N101 865 19,819 SH   DFND 1,2 0 0 19,819
N/A COM 053015103 888 5,900 SH   DFND 1,2 0 0 5,900
N/A COM 11135F101 893 3,623 SH   DFND 1,2 0 0 3,623
N/A COM 30231G102 921 10,836 SH   DFND 1,2 0 0 10,836
N/A CL A COM 55303A105 946 32,091 SH   DFND 1,2 0 0 32,091
N/A COM 478160104 963 6,972 SH   DFND 1,2 0 0 6,972
N/A COM 38141G104 971 4,331 SH   DFND 1,2 0 0 4,331
N/A COM 03076C106 987 6,688 SH   DFND 1,2 0 0 6,688
N/A COM 37045V100 987 29,336 SH   DFND 1,2 0 0 29,336
N/A COM 862121100 1,008 36,301 SH   DFND 1,2 0 0 36,301
N/A COM 693475105 1,036 7,609 SH   DFND 1,2 0 0 7,609
N/A COM 595017104 1,055 13,374 SH   DFND 1,2 0 0 13,374
N/A COM 876030107 1,076 21,413 SH   DFND 1,2 0 0 21,413
N/A COM 713448108 1,088 9,732 SH   DFND 1,2 0 0 9,732
N/A COM 580135101 1,130 6,759 SH   DFND 1,2 0 0 6,759
N/A COM 78377T107 1,138 13,214 SH   DFND 1,2 0 0 13,214
N/A COM NEW 247361702 1,154 19,955 SH   DFND 1,2 0 0 19,955
N/A SHS - A - N53745100 1,157 11,295 SH   DFND 1,2 0 0 11,295
N/A COM 174610105 1,170 30,344 SH   DFND 1,2 0 0 30,344
N/A COM V7780T103 1,170 9,009 SH   DFND 1,2 0 0 9,009
N/A COM 375558103 1,178 15,261 SH   DFND 1,2 0 0 15,261
N/A COM H1467J104 1,193 8,933 SH   DFND 1,2 0 0 8,933
N/A COM 718546104 1,266 11,233 SH   DFND 1,2 0 0 11,233
N/A COM 031162100 1,276 6,159 SH   DFND 1,2 0 0 6,159
N/A COM 742718109 1,315 15,803 SH   DFND 1,2 0 0 15,803
N/A REG SHS H84989104 1,342 15,266 SH   DFND 1,2 0 0 15,266
N/A COM 438516106 1,419 8,529 SH   DFND 1,2 0 0 8,529
N/A COM 918204108 1,436 15,369 SH   DFND 1,2 0 0 15,369
N/A COM 11133T103 1,446 10,964 SH   DFND 1,2 0 0 10,964
N/A COM 17275R102 1,469 30,201 SH   DFND 1,2 0 0 30,201
N/A COM 913017109 1,477 10,564 SH   DFND 1,2 0 0 10,564
N/A COM 26078J100 1,506 23,422 SH   DFND 1,2 0 0 23,422
N/A COM DISNEY 254687106 1,535 13,128 SH   DFND 1,2 0 0 13,128
N/A COM 437076102 1,540 7,438 SH   DFND 1,2 0 0 7,438
N/A COM 747525103 1,544 21,439 SH   DFND 1,2 0 0 21,439
N/A COM 717081103 1,565 35,530 SH   DFND 1,2 0 0 35,530
N/A COM 126650100 1,617 20,541 SH   DFND 1,2 0 0 20,541
N/A SHS CLASS A G1151C101 1,638 9,629 SH   DFND 1,2 0 0 9,629
N/A COM 92343V104 1,640 30,730 SH   DFND 1,2 0 0 30,730
N/A CL A 57636Q104 1,803 8,099 SH   DFND 1,2 0 0 8,099
N/A COM 907818108 1,830 11,244 SH   DFND 1,2 0 0 11,244
N/A COM 097023105 1,870 5,030 SH   DFND 1,2 0 0 5,030
PowerShares S&P500 LOW VOL 46138E354 2,103 42,475 SH   DFND 1,2 0 0 42,475
N/A COM 46625H100 2,290 20,301 SH   DFND 1,2 0 0 20,301
N/A COM 594918104 2,476 21,649 SH   DFND 1,2 0 0 21,649
N/A COM 037833100 2,740 12,140 SH   DFND 1,2 0 0 12,140
Vanguard TOTAL BND MRKT 921937835 3,915 49,755 SH   DFND 1,2 0 0 49,755
SPDR TR UNIT 78462F103 3,963 13,634 SH   DFND 1,2 0 0 13,634
Vanguard DIV APP ETF 921908844 4,492 40,582 SH   DFND 1,2 0 0 40,582
ishares ISHARES 464285105 6,193 541,821 SH   DFND 1,2 0 0 541,821
Vanguard TOTAL STK MKT 922908769 7,254 48,476 SH   DFND 1,2 0 0 48,476
PowerShares UNIT SER 1 46090E103 7,642 41,133 SH   DFND 1,2 0 0 41,133
ishares SHORT TREAS BD 464288679 9,322 84,414 SH   DFND 1,2 0 0 84,414
Vanguard FTSE EMR MKT ETF 922042858 10,521 256,625 SH   DFND 1,2 0 0 256,625
Schwab US DIVIDEND EQ 808524797 12,752 240,620 SH   DFND 1,2 0 0 240,620
ishares CORE US AGGBD ET 464287226 14,035 133,015 SH   DFND 1,2 0 0 133,015
SPDR PORTFOLIO SHORT 78464A474 15,017 497,597 SH   DFND 1,2 0 0 497,597
ishares BARCLAYS 7 10 YR 464287440 15,557 153,780 SH   DFND 1,2 0 0 153,780
ishares CORE S&P MCP ETF 464287507 22,656 112,557 SH   DFND 1,2 0 0 112,557
Vanguard SHORT TRM BOND 921937827 27,371 350,785 SH   DFND 1,2 0 0 350,785
ishares CORE S&P500 ETF 464287200 28,322 96,754 SH   DFND 1,2 0 0 96,754
Vanguard FTSE DEV MKT ETF 921943858 28,489 658,422 SH   DFND 1,2 0 0 658,422