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
ALTRIA GROUP INC COM 02209S103 343 8,171 SH   DFND 0 0 8,171
AMERICAN CAPITAL AGENCY CORP COM 02503X105 307 13,098 SH   DFND 0 0 13,098
ANNALY CAP MGMT INC COM 035710409 493 43,132 SH   DFND 0 0 43,132
APPLE INC COM 037833100 1,299 13,973 SH   DFND 0 0 13,973
AT&T INC COM 00206R102 1,185 33,525 SH   DFND 0 0 33,525
AUTOMATIC DATA PROCESSING IN COM 053015103 842 10,616 SH   DFND 0 0 10,616
BANK MONTREAL QUE COM 063671101 820 11,144 SH   DFND 0 0 11,144
BERKSHIRE HATHAWAY INC DEL CL A 084670108 380 2 SH   DFND 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 278 2,199 SH   DFND 0 0 2,199
BOEING CO COM 097023105 717 5,634 SH   DFND 0 0 5,634
CELGENE CORP COM 151020104 2,234 26,011 SH   DFND 0 0 26,011
CHESAPEAKE ENERGY CORP NOTE 2.250%12/1 165167CB1 29 30,000 PRN   DFND 0 0 30,000
CHEVRON CORP NEW COM 166764100 2,192 16,794 SH   DFND 0 0 16,794
CISCO SYS INC COM 17275R102 1,062 42,731 SH   DFND 0 0 42,731
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 598 21,794 SH   DFND 0 0 21,794
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY 18383M399 598 21,652 SH   DFND 0 0 21,652
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 468 21,985 SH   DFND 0 0 21,985
CLAYMORE EXCHANGE TRD FD TR GUGG BULL 2015 18383M423 598 22,223 SH   DFND 0 0 22,223
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 737 34,876 SH   DFND 0 0 34,876
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 673 30,721 SH   DFND 0 0 30,721
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 673 30,053 SH   DFND 0 0 30,053
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 608 26,542 SH   DFND 0 0 26,542
CLOROX CO DEL COM 189054109 1,247 13,639 SH   DFND 0 0 13,639
COCA COLA CO COM 191216100 327 7,716 SH   DFND 0 0 7,716
CONNECTICUT WTR SVC INC COM 207797101 230 6,795 SH   DFND 0 0 6,795
CONOCOPHILLIPS COM 20825C104 256 2,990 SH   DFND 0 0 2,990
CREDIT SUISSE NASSAU BRH EQL WGT MLP LKD 22542D852 897 25,110 SH   DFND 0 0 25,110
CUMMINS INC COM 231021106 388 2,518 SH   DFND 0 0 2,518
CVS CAREMARK CORPORATION COM 126650100 212 2,817 SH   DFND 0 0 2,817
DISNEY WALT CO COM DISNEY 254687106 286 3,336 SH   DFND 0 0 3,336
DIXIE GROUP INC CL A 255519100 212 20,000 SH   DFND 0 0 20,000
DOMINION RES INC VA NEW COM 25746U109 839 11,733 SH   DFND 0 0 11,733
DUKE ENERGY CORP NEW COM NEW 26441C204 401 5,407 SH   DFND 0 0 5,407
EMERSON ELEC CO COM 291011104 981 14,788 SH   DFND 0 0 14,788
EOG RES INC COM 26875P101 610 5,221 SH   DFND 0 0 5,221
EXXON MOBIL CORP COM 30231G102 2,705 26,863 SH   DFND 0 0 26,863
FORD MTR CO DEL COM PAR $0.01 345370860 181 10,534 SH   DFND 0 0 10,534
FS INVT CORP COM 302635107 466 43,743 SH   DFND 0 0 43,743
GENERAL ELECTRIC CO COM 369604103 2,019 76,821 SH   DFND 0 0 76,821
GENUINE PARTS CO COM 372460105 671 7,646 SH   DFND 0 0 7,646
GILEAD SCIENCES INC COM 375558103 394 4,750 SH   DFND 0 0 4,750
HEALTH CARE REIT INC COM 42217K106 952 15,191 SH   DFND 0 0 15,191
INTEL CORP COM 458140100 1,658 53,667 SH   DFND 0 0 53,667
INTERNATIONAL BUSINESS MACHS COM 459200101 468 2,584 SH   DFND 0 0 2,584
ISHARES 15 AMT-FREE ETF 464289339 610 11,499 SH   DFND 0 0 11,499
ISHARES 16 AMT-FREE ETF 464289313 610 11,390 SH   DFND 0 0 11,390
ISHARES 17 AMT-FREE ETF 464289271 608 10,989 SH   DFND 0 0 10,989
ISHARES COHEN&STEER REIT 464287564 718 8,225 SH   DFND 0 0 8,225
ISHARES CORE S&P MCP ETF 464287507 2,497 17,456 SH   DFND 1 17,456 0 0
ISHARES CORE S&P MCP ETF 464287507 147 1,028 SH   DFND 0 0 1,028
ISHARES CORE S&P500 ETF 464287200 2,410 12,235 SH   DFND 0 0 12,235
ISHARES CORE TOTUSBD ETF 464287226 1,815 16,592 SH   DFND 0 0 16,592
ISHARES IBOXX HI YD ETF 464288513 343 3,607 SH   DFND 0 0 3,607
ISHARES INTL DEV RE ETF 464288489 2,016 62,746 SH   DFND 1 62,746 0 0
ISHARES MSCI EAFE ETF 464287465 1,400 20,483 SH   DFND 0 0 20,483
ISHARES MSCI EMG MKT ETF 464287234 128 2,962 SH   DFND 0 0 2,962
ISHARES MSCI EMG MKT ETF 464287234 152,468 3,526,893 SH   DFND 1 3,526,893 0 0
ISHARES RUS 1000 GRW ETF 464287614 6,037 66,395 SH   DFND 0 0 66,395
ISHARES RUS 1000 VAL ETF 464287598 5,615 55,447 SH   DFND 0 0 55,447
ISHARES RUS 2000 GRW ETF 464287648 663 4,790 SH   DFND 0 0 4,790
ISHARES RUSSELL 2000 ETF 464287655 127 1,068 SH   DFND 0 0 1,068
ISHARES RUSSELL 2000 ETF 464287655 2,005 16,871 SH   DFND 1 16,871 0 0
ISHARES TIPS BD ETF 464287176 2,610 22,629 SH   DFND 1 22,629 0 0
ISHARES TIPS BD ETF 464287176 1,101 9,544 SH   DFND 0 0 9,544
ISHARES GOLD TRUST ISHARES 464285105 300 23,259 SH   DFND 0 0 23,259
ISHARES INC CORE MSCI EMKT 46434G103 39,361 761,352 SH   DFND 1 761,352 0 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 286 8,447 SH   DFND 1 8,447 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,510 14,732 SH   DFND 1 14,732 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 527 8,068 SH   DFND 0 0 8,068
ISHARES TR FLTG RATE BD ETF 46429B655 105 2,058 SH   DFND 0 0 2,058
ISHARES TR FLTG RATE BD ETF 46429B655 1,756 34,540 SH   DFND 1 34,540 0 0
ISHARES TR HIGH DIVIDND ETF 46429B663 203 2,688 SH   DFND 0 0 2,688
JOHNSON & JOHNSON COM 478160104 2,477 23,680 SH   DFND 0 0 23,680
JPMORGAN CHASE & CO COM 46625H100 1,053 18,261 SH   DFND 0 0 18,261
KAYNE ANDERSON MLP INVT CO COM 486606106 401 10,167 SH   DFND 0 0 10,167
KIMBERLY CLARK CORP COM 494368103 1,321 11,877 SH   DFND 0 0 11,877
LOCKHEED MARTIN CORP COM 539830109 1,119 6,963 SH   DFND 0 0 6,963
MARRIOTT INTL INC NEW CL A 571903202 1,452 22,649 SH   DFND 0 0 22,649
MCDONALDS CORP COM 580135101 373 3,706 SH   DFND 0 0 3,706
MERCK & CO INC NEW COM 58933Y105 257 4,449 SH   DFND 0 0 4,449
MICROSOFT CORP COM 594918104 1,545 37,060 SH   DFND 0 0 37,060
NATIONAL GRID PLC SPON ADR NEW 636274300 1,424 19,140 SH   DFND 0 0 19,140
NORFOLK SOUTHERN CORP COM 655844108 286 2,772 SH   DFND 0 0 2,772
NOVARTIS A G SPONSORED ADR 66987V109 1,612 17,810 SH   DFND 0 0 17,810
ORACLE CORP COM 68389X105 313 7,708 SH   DFND 0 0 7,708
PAYCHEX INC COM 704326107 1,469 35,336 SH   DFND 0 0 35,336
PEPSICO INC COM 713448108 1,284 14,369 SH   DFND 0 0 14,369
PFIZER INC COM 717081103 330 11,120 SH   DFND 0 0 11,120
PHILIP MORRIS INTL INC COM 718172109 919 10,897 SH   DFND 0 0 10,897
PIMCO ETF TR ENHAN SHRT MAT 72201R833 1,427 14,069 SH   DFND 0 0 14,069
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 592 16,633 SH   DFND 0 0 16,633
PROCTER & GAMBLE CO COM 742718109 11,633 148,020 SH   DFND 0 0 148,020
QUALCOMM INC COM 747525103 303 3,822 SH   DFND 0 0 3,822
REALTY INCOME CORP COM 756109104 993 22,352 SH   DFND 0 0 22,352
REYNOLDS AMERICAN INC COM 761713106 989 16,388 SH   DFND 0 0 16,388
ROSS STORES INC COM 778296103 314 4,751 SH   DFND 0 0 4,751
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 658 7,558 SH   DFND 0 0 7,558
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 371 4,498 SH   DFND 0 0 4,498
SANDY SPRING BANCORP INC COM 800363103 814 32,692 SH   DFND 0 0 32,692
SPDR GOLD TRUST GOLD SHS 78463V107 263 2,061 SH   DFND 0 0 2,061
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,880 9,604 SH   DFND 0 0 9,604
SPDR S&P 500 ETF TR TR UNIT 78462F103 21,111 107,865 SH   DFND 1 107,865 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 182,246 3,178,324 SH   DFND 1 3,178,324 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 835 20,014 SH   DFND 1 20,014 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 8 200 SH   DFND 0 0 200
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 3,199 52,623 SH   DFND 1 52,623 0 0
SPDR SERIES TRUST S&P 500 VALUE 78464A508 205 2,100 SH   DFND 0 0 2,100
SPECTRA ENERGY CORP COM 847560109 915 21,551 SH   DFND 0 0 21,551
STARBUCKS CORP COM 855244109 238 3,076 SH   DFND 0 0 3,076
SYSCO CORP COM 871829107 796 21,261 SH   DFND 0 0 21,261
TARGET CORP COM 87612E106 1,092 18,846 SH   DFND 0 0 18,846
UNITED PARCEL SERVICE INC CL B 911312106 1,190 11,594 SH   DFND 0 0 11,594
US BANCORP DEL COM NEW 902973304 344 7,943 SH   DFND 0 0 7,943
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 12,922 143,757 SH   DFND 1 143,757 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 799 9,948 SH   DFND 0 0 9,948
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 108,318 1,317,405 SH   DFND 1 1,317,405 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 530 6,043 SH   DFND 0 0 6,043
VANGUARD INDEX FDS GROWTH ETF 922908736 322 3,258 SH   DFND 0 0 3,258
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,989 72,540 SH   DFND 1 72,540 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,464 120,361 SH   DFND 1 120,361 0 0
VANGUARD INDEX FDS REIT ETF 922908553 222 2,975 SH   DFND 0 0 2,975
VANGUARD INDEX FDS REIT ETF 922908553 6,918 92,436 SH   DFND 1 92,436 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 303 2,874 SH   DFND 0 0 2,874
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,732 82,769 SH   DFND 1 82,769 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,315 41,721 SH   DFND 1 41,721 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,349 13,253 SH   DFND 0 0 13,253
VANGUARD INDEX FDS TOTAL STK MKT 922908769 46,750 459,371 SH   DFND 1 459,371 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 581 7,179 SH   DFND 0 0 7,179
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 119 2,274 SH   DFND 0 0 2,274
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,009 306,152 SH   DFND 1 306,152 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 39 900 SH   DFND 0 0 900
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,606 245,903 SH   DFND 1 245,903 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 9,447 157,583 SH   DFND 1 157,583 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 18,522 297,585 SH   DFND 1 297,585 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 16,162 145,396 SH   DFND 1 145,396 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,312 74,287 SH   DFND 1 74,287 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 788 12,659 SH   DFND 1 12,659 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 141 2,260 SH   DFND 0 0 2,260
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 40,306 765,856 SH   DFND 1 765,856 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 121 1,510 SH   DFND 0 0 1,510
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,551 118,832 SH   DFND 1 118,832 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 936 12,010 SH   DFND 0 0 12,010
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 17,176 220,342 SH   DFND 1 220,342 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 33,261 780,951 SH   DFND 1 780,951 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 773 11,654 SH   DFND 0 0 11,654
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 24 405 SH   DFND 0 0 405
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 34,410 590,421 SH   DFND 1 590,421 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 27,700 360,767 SH   DFND 1 360,767 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 702 14,351 SH   DFND 0 0 14,351
WAL-MART STORES INC COM 931142103 314 4,181 SH   DFND 0 0 4,181
WASTE MGMT INC DEL COM 94106L109 742 16,586 SH   DFND 0 0 16,586
WELLS FARGO & CO NEW COM 949746101 1,450 27,584 SH   DFND 0 0 27,584
WESTPAC BKG CORP SPONSORED ADR 961214301 1,321 41,129 SH   DFND 0 0 41,129