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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,389 3,935 SH   SOLE   0 0 3,935
ISHARES TR 0-5YR HI YL CP 46434V407 1,291 29,374 SH   SOLE   0 0 29,374
ISHARES TR CORE INTL AGGR 46435G672 2,476 47,498 SH   SOLE   0 0 47,498
ISHARES TR CORE S&P500 ETF 464287200 1,255 2,767 SH   SOLE   0 0 2,767
ISHARES TR CRE U S REIT ETF 464288521 2,729 42,217 SH   SOLE   0 0 42,217
ISHARES TR RUS 1000 ETF 464287622 18,516 74,043 SH   SOLE   0 0 74,043
ISHARES TR RUS 1000 GRW ETF 464287614 1,227 4,421 SH   SOLE   0 0 4,421
ISHARES TR RUS 1000 VAL ETF 464287598 1,088 6,553 SH   SOLE   0 0 6,553
ISHARES TR RUSSELL 2000 ETF 464287655 898 4,375 SH   SOLE   0 0 4,375
ISHARES TR SHRT NAT MUN ETF 464288158 1,056 10,097 SH   SOLE   0 0 10,097
LOEWS CORP COM 540424108 219 3,377 SH   SOLE   0 0 3,377
MCCORMICK & CO INC COM NON VTG 579780206 337 3,380 SH   SOLE   0 0 3,380
OVERSTOCK COM INC DEL COM 690370101 201 4,573 SH   SOLE   0 0 4,573
SOUTHERN CO COM 842587107 335 4,614 SH   SOLE   0 0 4,614
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,053 322,431 SH   SOLE   0 0 322,431
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 9,892 256,006 SH   SOLE   0 0 256,006
SPDR S&P 500 ETF TR TR UNIT 78462F103 260 576 SH   SOLE   0 0 576
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,350 264,492 SH   SOLE   0 0 264,492
SPDR SER TR PORTFOLIO S&P500 78464A854 33,597 632,351 SH   SOLE   0 0 632,351
SPDR SER TR PORTFOLIO S&P600 78468R853 1,563 37,145 SH   SOLE   0 0 37,145
V F CORP COM 918204108 211 3,702 SH   SOLE   0 0 3,702
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,859 35,444 SH   SOLE   0 0 35,444
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,306 57,907 SH   SOLE   0 0 57,907
VANGUARD INDEX FDS TOTAL STK MKT 922908769 451 1,979 SH   SOLE   0 0 1,979
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 320 6,937 SH   SOLE   0 0 6,937
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 9,068 175,912 SH   SOLE   0 0 175,912
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,067 5,152 SH   SOLE   0 0 5,152
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 658 7,937 SH   SOLE   0 0 7,937
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 333 6,937 SH   SOLE   0 0 6,937