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 282 6,250 SH   SOLE 6,250 0 0
APPLE INC COM 037833100 683 6,187 SH   SOLE 6,187 0 0
AT&T INC COM 00206R102 259 7,708 SH   SOLE 7,708 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 266 1,774 SH   SOLE 1,774 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 209 3,537 SH   SOLE 3,537 0 0
CHUBB CORP COM 171232101 242 2,338 SH   SOLE 2,338 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,099 52,039 SH   SOLE 52,039 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 895 42,814 SH   SOLE 42,814 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 1,096 50,583 SH   SOLE 50,583 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 1,093 49,456 SH   SOLE 49,456 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 1,097 48,320 SH   SOLE 48,320 0 0
EXXON MOBIL CORP COM 30231G102 1,789 19,350 SH   SOLE 19,350 0 0
GENERAL ELECTRIC CO COM 369604103 253 10,010 SH   SOLE 10,010 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 363 2,261 SH   SOLE 2,261 0 0
ISHARES EAFE SML CP ETF 464288273 2,759 59,059 SH   SOLE 59,059 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,756 22,941 SH   SOLE 22,941 0 0
ISHARES TR CORE MSCI EAFE 46432F842 254 4,591 SH   SOLE 4,591 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,327 14,130 SH   SOLE 14,130 0 0
ISHARES TR CORE S&P500 ETF 464287200 346 1,674 SH   SOLE 1,674 0 0
ISHARES TR CORE US AGGBD ET 464287226 309 2,805 SH   SOLE 2,805 0 0
ISHARES TR CORE US GRW ETF 464287671 506 6,455 SH   SOLE 6,455 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 342 5,549 SH   SOLE 5,549 0 0
ISHARES TR MSCI EAFE ETF 464287465 17,007 279,539 SH   SOLE 279,539 0 0
ISHARES TR USA MIN VOL ETF 46429B697 561 13,854 SH   SOLE 13,854 0 0
JOHNSON & JOHNSON COM 478160104 2,388 22,832 SH   SOLE 22,832 0 0
JPMORGAN CHASE & CO COM 46625H100 889 14,203 SH   SOLE 14,203 0 0
LILLY ELI & CO COM 532457108 285 4,137 SH   SOLE 4,137 0 0
MERCK & CO INC NEW COM 58933Y105 515 9,077 SH   SOLE 9,077 0 0
PFIZER INC COM 717081103 204 6,562 SH   SOLE 6,562 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 542 14,285 SH   SOLE 14,285 0 0
PROCTER & GAMBLE CO COM 742718109 850 9,335 SH   SOLE 9,335 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 312 7,536 SH   SOLE 7,536 0 0
SPDR SERIES TRUST S&P 500 GROWTH 78464A409 218 2,249 SH   SOLE 2,249 0 0
TRAVELERS COMPANIES INC COM 89417E109 238 2,249 SH   SOLE 2,249 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 44,002 534,204 SH   SOLE 534,204 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 27,873 524,809 SH   SOLE 524,809 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,226 13,966 SH   SOLE 13,966 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 115,762 1,092,094 SH   SOLE 1,092,094 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,412 135,243 SH   SOLE 135,243 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,012 11,750 SH   SOLE 11,750 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 23,138 478,643 SH   SOLE 478,643 0 0