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
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 855 40,619 SH   SOLE 0 0 40,619
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 861 37,750 SH   SOLE 0 0 37,750
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 860 38,437 SH   SOLE 0 0 38,437
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 858 39,187 SH   SOLE 0 0 39,187
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 753 35,553 SH   SOLE 0 0 35,553
EXXON MOBIL CORP COM 30231G102 1,270 13,000 SH   SOLE 0 0 13,000
ISHARES MSCI EAFE ETF 464287465 16,859 250,879 SH   SOLE 0 0 250,879
ISHARES RUS 3000 GRW ETF 464287671 291 4,090 SH   SOLE 0 0 4,090
ISHARES EAFE SML CP ETF 464288273 2,814 53,907 SH   SOLE 0 0 53,907
ISHARES GOV/CRED BD ETF 464288596 205 1,843 SH   SOLE 0 0 1,843
ISHARES TR HIGH DIVIDND ETF 46429B663 798 11,169 SH   SOLE 0 0 11,169
ISHARES TR USA MIN VOL ETF 46429B697 436 12,089 SH   SOLE 0 0 12,089
JOHNSON & JOHNSON COM 478160104 1,872 19,060 SH   SOLE 0 0 19,060
MERCK & CO INC NEW COM 58933Y105 473 8,326 SH   SOLE 0 0 8,326
PROCTER & GAMBLE CO COM 742718109 743 9,217 SH   SOLE 0 0 9,217
PUBLIC SVC ENTERPRISE GROUP COM 744573106 328 8,597 SH   SOLE 0 0 8,597
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 54,880 675,942 SH   SOLE 0 0 675,942
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 25,953 512,807 SH   SOLE 0 0 512,807
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 976 11,484 SH   SOLE 0 0 11,484
VANGUARD INDEX FDS TOTAL STK MKT 922908769 111,061 1,139,437 SH   SOLE 0 0 1,139,437
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,457 134,473 SH   SOLE 0 0 134,473
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 876 10,957 SH   SOLE 0 0 10,957
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,114 24,871 SH   SOLE 0 0 24,871
VANGUARD STAR FD VG TL INTL STK F 921909768 24,122 462,112 SH   SOLE 0 0 462,112