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
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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
ISHARES TR CORE S&P500 ETF 464287200 1,718 7,057 SH   SOLE   0 0 7,057
ISHARES TR RUSSELL 2000 ETF 464287655 520 3,689 SH   SOLE   0 0 3,689
ISHARES TR CORE S&P VLU ETF 464287663 1,070 21,000 SH   SOLE   0 0 21,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 306 1,267 SH   SOLE   0 0 1,267
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 748 5,433 SH   SOLE   0 0 5,433
INTEL CORP COM 458140100 279 8,265 SH   SOLE   0 0 8,265
ORACLE CORP COM 68389X105 233 4,650 SH   SOLE   0 0 4,650
QUALCOMM INC COM 747525103 241 4,365 SH   SOLE   0 0 4,365
ISHARES TR MSCI EAFE ETF 464287465 269 4,125 SH   SOLE   0 0 4,125
INTERNATIONAL BUSINESS MACHS COM 459200101 541 3,520 SH   SOLE   0 0 3,520
ISHARES TR GLOBAL TECH ETF 464287291 1,316 10,050 SH   SOLE   0 0 10,050
ISHARES TR U.S. INDS ETF 464287754 316 2,402 SH   SOLE   0 0 2,402
SELECT SECTOR SPDR TR ENERGY 81369Y506 682 10,509 SH   SOLE   0 0 10,509
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 307 12,427 SH   SOLE   0 0 12,427
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,298 23,720 SH   SOLE   0 0 23,720
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 326 4,117 SH   SOLE   0 0 4,117
TIME WARNER INC COM NEW 887317303 442 4,400 SH   SOLE   0 0 4,400
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 254 2,743 SH   SOLE   0 0 2,743
SCHWAB CHARLES CORP NEW COM 808513105 215 5,000 SH   SOLE   0 0 5,000
WAL-MART STORES INC COM 931142103 64,702 854,942 SH   SOLE   0 0 854,942
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 349 9,994 SH   SOLE   0 0 9,994
TARGET CORP COM 87612E106 507 9,687 SH   SOLE   0 0 9,687
FIFTH THIRD BANCORP COM 316773100 255 9,825 SH   SOLE   0 0 9,825
JPMORGAN CHASE & CO COM 46625H100 544 5,951 SH   SOLE   0 0 5,951
TJX COS INC NEW COM 872540109 248 3,435 SH   SOLE   0 0 3,435
ISHARES TR 7-10YR TR BD ETF 464287440 1,002 9,395 SH   SOLE   0 0 9,395
ISHARES TR 20 YR TR BD ETF 464287432 967 7,727 SH   SOLE   0 0 7,727
FORD MTR CO DEL COM PAR $0.01 345370860 135 12,055 SH   SOLE   0 0 12,055
MARSH & MCLENNAN COS INC COM 571748102 417 5,350 SH   SOLE   0 0 5,350
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,143 17,224 SH   SOLE   0 0 17,224
APPLE INC COM 037833100 1,142 7,930 SH   SOLE   0 0 7,930
SELECTIVE INS GROUP INC COM 816300107 282 5,627 SH   SOLE   0 0 5,627
GENERAL DYNAMICS CORP COM 369550108 306 1,545 SH   SOLE   0 0 1,545
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 595 14,580 SH   SOLE   0 0 14,580
NORTHROP GRUMMAN CORP COM 666807102 372 1,449 SH   SOLE   0 0 1,449
BERKSHIRE HATHAWAY INC DEL CL A 084670108 255 1 SH   SOLE   0 0 1
VALERO ENERGY CORP NEW COM 91913Y100 451 6,682 SH   SOLE   0 0 6,682
ISHARES TR CORE US AGGBD ET 464287226 1,228 11,213 SH   SOLE   0 0 11,213
BIOGEN INC COM 09062X103 317 1,170 SH   SOLE   0 0 1,170
NVIDIA CORP COM 67066G104 249 1,725 SH   SOLE   0 0 1,725
TRAVELERS COMPANIES INC COM 89417E109 356 2,812 SH   SOLE   0 0 2,812
OWENS & MINOR INC NEW COM 690732102 204 6,322 SH   SOLE   0 0 6,322
AETNA INC NEW COM 00817Y108 229 1,510 SH   SOLE   0 0 1,510
TYSON FOODS INC CL A 902494103 273 4,354 SH   SOLE   0 0 4,354
WELLCARE HEALTH PLANS INC COM 94946T106 307 1,709 SH   SOLE   0 0 1,709
SPDR GOLD TRUST GOLD SHS 78463V107 1,092 9,252 SH   SOLE   0 0 9,252
VANGUARD INDEX FDS MID CAP ETF 922908629 759 5,325 SH   SOLE   0 0 5,325
VANGUARD INDEX FDS SM CP VAL ETF 922908611 257 2,088 SH   SOLE   0 0 2,088
VANGUARD INDEX FDS REIT ETF 922908553 499 5,990 SH   SOLE   0 0 5,990
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 325 6,106 SH   SOLE   0 0 6,106
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,104 8,145 SH   SOLE   0 0 8,145
ISHARES GOLD TRUST ISHARES 464285105 153 12,840 SH   SOLE   0 0 12,840
SILICONWARE PRECISION INDS L SPONSD ADR SPL 827084864 82 10,306 SH   SOLE   0 0 10,306
VANGUARD WORLD FDS TELCOMM ETF 92204A884 863 9,396 SH   SOLE   0 0 9,396
ORIX CORP SPONSORED ADR 686330101 265 3,400 SH   SOLE   0 0 3,400
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 636 20,569 SH   SOLE   0 0 20,569
SPDR SERIES TRUST S&P INS ETF 78464A789 249 2,829 SH   SOLE   0 0 2,829
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 244 2,374 SH   SOLE   0 0 2,374
ISHARES TR IBOXX HI YD ETF 464288513 309 3,500 SH   SOLE   0 0 3,500
ISHARES TR 1-3 YR CR BD ETF 464288646 838 7,956 SH   SOLE   0 0 7,956
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 440 5,375 SH   SOLE   0 0 5,375
ISHARES TR U.S. PFD STK ETF 464288687 387 9,886 SH   SOLE   0 0 9,886
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,189 28,765 SH   SOLE   0 0 28,765
ISHARES TR NATIONAL MUN ETF 464288414 1,989 18,063 SH   SOLE   0 0 18,063
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 345 11,794 SH   SOLE   0 0 11,794
MASIMO CORP COM 574795100 495 5,424 SH   SOLE   0 0 5,424
ISHARES TR EAFE SML CP ETF 464288273 884 15,291 SH   SOLE   0 0 15,291
ISHARES TR SHRT NAT MUN ETF 464288158 693 6,556 SH   SOLE   0 0 6,556
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 858 9,799 SH   SOLE   0 0 9,799
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 635 7,933 SH   SOLE   0 0 7,933
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 380 5,882 SH   SOLE   0 0 5,882
POWERSHARES ETF TR II S&P SMCP IT PO 73937B860 468 6,328 SH   SOLE   0 0 6,328
ISHARES TR FLTG RATE BD ETF 46429B655 1,573 30,893 SH   SOLE   0 0 30,893
PHILLIPS 66 COM 718546104 338 4,089 SH   SOLE   0 0 4,089
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 309 5,677 SH   SOLE   0 0 5,677
HEALTHEQUITY INC COM 42226A107 222 4,452 SH   SOLE   0 0 4,452