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
ACUITY BRANDS INC COM 00508Y102 442 3,757 SH   SOLE   0 0 3,757
ALTRIA GROUP INC COM 02209S103 414 9,008 SH   SOLE   0 0 9,008
AT&T INC COM 00206R102 343 9,720 SH   SOLE   0 0 9,720
AUTOZONE INC COM 053332102 334 655 SH   SOLE   0 0 655
CALAMOS CONV OPP AND INC FD SH BEN INT 128117108 147 10,855 SH   SOLE   0 0 10,855
CHEVRON CORP NEW COM 166764100 331 2,776 SH   SOLE   0 0 2,776
COCA COLA CO COM 191216100 371 8,691 SH   SOLE   0 0 8,691
DOVER CORP COM 260003108 276 3,441 SH   SOLE   0 0 3,441
DR PEPPER SNAPPLE GROUP INC COM 26138E109 345 5,370 SH   SOLE   0 0 5,370
EXXON MOBIL CORP COM 30231G102 347 3,687 SH   SOLE   0 0 3,687
GENERAL ELECTRIC CO COM 369604103 788 30,761 SH   SOLE   0 0 30,761
HOME DEPOT INC COM 437076102 237 2,584 SH   SOLE   0 0 2,584
INTERNATIONAL BUSINESS MACHS COM 459200101 844 4,445 SH   SOLE   0 0 4,445
ISHARES MRGSTR MD CP GRW 464288307 14,115 95,575 SH   SOLE   0 0 95,575
ISHARES NAT AMT FREE BD 464288414 3,324 30,313 SH   SOLE   0 0 30,313
ISHARES IBOXX HI YD ETF 464288513 285 3,102 SH   SOLE   0 0 3,102
ISHARES TR S&P MC 400VL ETF 464287705 6,138 51,021 SH   SOLE   0 0 51,021
MCKESSON CORP COM 58155Q103 360 1,849 SH   SOLE   0 0 1,849
PETSMART INC COM 716768106 366 5,227 SH   SOLE   0 0 5,227
PIMCO ETF TR TOTL RETN ETF 72201R775 23,499 216,421 SH   SOLE   0 0 216,421
QUEST DIAGNOSTICS INC COM 74834L100 327 5,392 SH   SOLE   0 0 5,392
RAYTHEON CO COM NEW 755111507 370 3,642 SH   SOLE   0 0 3,642
ROSS STORES INC COM 778296103 207 2,739 SH   SOLE   0 0 2,739
ROYAL BK CDA MONTREAL QUE COM 780087102 456 6,380 SH   SOLE   0 0 6,380
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,052 274,497 SH   SOLE   0 0 274,497
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,144 359,991 SH   SOLE   0 0 359,991
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 754 11,313 SH   SOLE   0 0 11,313
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 2,536 47,711 SH   SOLE   0 0 47,711
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 1,176 25,405 SH   SOLE   0 0 25,405
SPDR S&P 500 ETF TR TR UNIT 78462F103 13,441 68,219 SH   SOLE   0 0 68,219
SPDR SERIES TRUST S&P DIVID ETF 78464A763 363 4,845 SH   SOLE   0 0 4,845
TRAVELERS COMPANIES INC COM 89417E109 324 3,448 SH   SOLE   0 0 3,448
UNION PAC CORP COM 907818108 364 3,358 SH   SOLE   0 0 3,358
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 889 10,468 SH   SOLE   0 0 10,468
VANGUARD INDEX FDS GROWTH ETF 922908736 1,113 11,169 SH   SOLE   0 0 11,169
VANGUARD INDEX FDS VALUE ETF 922908744 1,186 14,612 SH   SOLE   0 0 14,612
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 282 6,750 SH   SOLE   0 0 6,750
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 15,613 195,480 SH   SOLE   0 0 195,480
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,303 43,802 SH   SOLE   0 0 43,802
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19,545 227,875 SH   SOLE   0 0 227,875
WAL-MART STORES INC COM 931142103 393 5,146 SH   SOLE   0 0 5,146