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
iShares EMU Hedged ETF ETF 46434V639 5,624 191,563 SH   SOLE   0 0 191,563
Vanguard FTSE Developed Market ETF 921943858 7,539 184,453 SH   SOLE   0 0 184,453
Vanguard Total International S ETF 921909768 9,106 175,462 SH   SOLE   0 0 175,462
iShares Core MSCI EAFE ETF 46432F842 9,944 163,630 SH   SOLE   0 0 163,630
SPDR Doubleline Ttl Rtrn ETF 78467V848 7,740 160,268 SH   SOLE   0 0 160,268
Vanguard Interm. Treasuries ETF 92206C706 9,419 146,070 SH   SOLE   0 0 146,070
Vanguard Glb. Ex-US Real Estat ETF 922042676 6,017 101,010 SH   SOLE   0 0 101,010
Vanguard Short-Term Treasuries ETF 92206C102 4,429 73,304 SH   SOLE   0 0 73,304
iShares MSCI Emerging Markets ETF 464287234 3,044 71,244 SH   SOLE   0 0 71,244
Vanguard Total Stock Market ETF 922908769 9,590 66,268 SH   SOLE   0 0 66,268
iShares Core S&P Small-Cap ETF 464287804 4,642 60,171 SH   SOLE   0 0 60,171
Vanguard Total Bond Market ETF 921937835 4,358 53,679 SH   SOLE   0 0 53,679
Vanguard FTSE Emerging Markets ETF 922042858 2,016 47,427 SH   SOLE   0 0 47,427
iShares MSCI EAFE ETF 464287465 2,733 42,131 SH   SOLE   0 0 42,131
Vanguard Real Estate ETF 922908553 3,174 36,515 SH   SOLE   0 0 36,515
SPDR S&P Dividend ETF 78464A763 3,100 31,179 SH   SOLE   0 0 31,179
iShares Russell 2000 ETF 464287655 4,441 29,435 SH   SOLE   0 0 29,435
Vanguard Interm. Corp. Bond ETF 92206C870 2,444 28,136 SH   SOLE   0 0 28,136
Vanguard Short-Term Corp. Bond ETF 92206C409 1,982 24,855 SH   SOLE   0 0 24,855
iShares MSCI EAFE Small-Cap ETF 464288273 1,353 23,891 SH   SOLE   0 0 23,891
SPDR S&P 500 ETF 78462F103 6,732 23,830 SH   SOLE   0 0 23,830
iShares Core US Aggregate Bond ETF 464287226 2,305 21,136 SH   SOLE   0 0 21,136
iShares Core MSCI Emerging Mkt ETF 46434G103 1,003 19,400 SH   SOLE   0 0 19,400
iShares Core S&P Mid-Cap ETF 464287507 3,501 18,487 SH   SOLE   0 0 18,487
Peoples United EQUITY 712704105 282 17,139 SH   SOLE   0 0 17,139
iShares Russell Mid-Cap ETF 464287499 833 15,432 SH   SOLE   0 0 15,432
Vanguard Dividend Appreciation ETF 921908844 1,576 14,375 SH   SOLE   0 0 14,375
Schwab Fundamental US Large Co ETF 808524771 411 10,821 SH   SOLE   0 0 10,821
Boulder Growth & Income EQUITY 101507101 114 10,581 SH   SOLE   0 0 10,581
PowerShares FTSE RAFI US 1000 ETF 46137V613 1,162 10,250 SH   SOLE   0 0 10,250
iShares Core S&P 500 ETF 464287200 1,959 6,884 SH   SOLE   0 0 6,884
Berkshire Hathaway Cl B EQUITY 084670702 1,431 7,123 SH   SOLE   0 0 7,123
Apple Computer EQUITY 037833100 1,297 6,826 SH   SOLE   0 0 6,826
Vanguard High Dividend Yield ETF 921946406 697 8,138 SH   SOLE   0 0 8,138
Schwab US Small-Cap ETF 808524607 673 9,628 SH   SOLE   0 0 9,628
Vanguard Small-Cap ETF 922908751 580 3,798 SH   SOLE   0 0 3,798
Schwab US Dividend Equity ETF 808524797 491 9,384 SH   SOLE   0 0 9,384
Vanguard FTSE All-World ex-US ETF 922042775 458 9,132 SH   SOLE   0 0 9,132
iShares Russell 3000 ETF 464287689 376 2,253 SH   SOLE   0 0 2,253
Becton Dickinson & Co EQUITY 075887109 375 1,500 SH   SOLE   0 0 1,500
iShares Cohen & Steers REIT ETF 464287564 363 3,262 SH   SOLE   0 0 3,262
Home Depot Inc EQUITY 437076102 355 1,848 SH   SOLE   0 0 1,848
iShares Core MSCI Totl ETF 46432F834 348 8,091 SH   SOLE   0 0 8,091
Schwab US Broad Market ETF 808524102 341 5,005 SH   SOLE   0 0 5,005
iShares National Muni Bond ETF 464288414 341 3,067 SH   SOLE   0 0 3,067
iShares Residential Real Estat ETF 464288562 332 4,700 SH   SOLE   0 0 4,700
American Express Company EQUITY 025816109 268 2,449 SH   SOLE   0 0 2,449
iShares Core High Dividend ETF 46429B663 254 2,727 SH   SOLE   0 0 2,727
PowerShares Dividend Achievers ETF 46137V506 222 8,025 SH   SOLE   0 0 8,025
A T & T EQUITY 00206R102 220 7,145 SH   SOLE   0 0 7,145
Valero Energy Corp New EQUITY 91913Y100 205 2,420 SH   SOLE   0 0 2,420