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
ADVISORSHARES TR PERITUS HG YLD 00768Y503 328 6,250 SH   SOLE 6,250 0 0
APPLE INC COM 037833100 626 6,209 SH   SOLE 6,209 0 0
AT&T INC COM 00206R102 267 7,564 SH   SOLE 7,564 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 245 1,774 SH   SOLE 1,774 0 0
CHUBB CORP COM 171232101 226 2,485 SH   SOLE 2,485 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,105 52,288 SH   SOLE 52,288 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 1,100 48,314 SH   SOLE 48,314 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 1,103 49,432 SH   SOLE 49,432 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 1,097 50,474 SH   SOLE 50,474 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 939 44,521 SH   SOLE 44,521 0 0
EXXON MOBIL CORP COM 30231G102 1,813 19,277 SH   SOLE 19,277 0 0
GENERAL ELECTRIC CO COM 369604103 253 9,877 SH   SOLE 9,877 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 428 2,257 SH   SOLE 2,257 0 0
ISHARES EAFE SML CP ETF 464288273 2,757 56,842 SH   SOLE 56,842 0 0
ISHARES TR MSCI EAFE ETF 464287465 17,323 270,167 SH   SOLE 270,167 0 0
ISHARES TR CORE US GRW ETF 464287671 498 6,669 SH   SOLE 6,669 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,731 23,004 SH   SOLE 23,004 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 331 5,290 SH   SOLE 5,290 0 0
ISHARES TR USA MIN VOL ETF 46429B697 452 11,986 SH   SOLE 11,986 0 0
JOHNSON & JOHNSON COM 478160104 2,433 22,827 SH   SOLE 22,827 0 0
JPMORGAN CHASE & CO COM 46625H100 855 14,191 SH   SOLE 14,191 0 0
LILLY ELI & CO COM 532457108 268 4,134 SH   SOLE 4,134 0 0
MERCK & CO INC NEW COM 58933Y105 538 9,072 SH   SOLE 9,072 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 500 14,285 SH   SOLE 14,285 0 0
PROCTER & GAMBLE CO COM 742718109 776 9,268 SH   SOLE 9,268 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 278 7,463 SH   SOLE 7,463 0 0
TRAVELERS COMPANIES INC COM 89417E109 211 2,248 SH   SOLE 2,248 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 44,656 545,049 SH   SOLE 545,049 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 27,673 531,051 SH   SOLE 531,051 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,194 14,292 SH   SOLE 14,292 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 112,856 1,114,733 SH   SOLE 1,114,733 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,488 131,571 SH   SOLE 131,571 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,036 12,078 SH   SOLE 12,078 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 23,794 466,544 SH   SOLE 466,544 0 0