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 5,741 186,775 SH   SOLE   0 0 186,775
Vanguard FTSE Developed Market ETF 921943858 7,616 182,585 SH   SOLE   0 0 182,585
Vanguard Total International S ETF 921909768 8,826 167,314 SH   SOLE   0 0 167,314
SPDR Doubleline Ttl Rtrn ETF 78467V848 7,955 162,115 SH   SOLE   0 0 162,115
iShares Core MSCI EAFE ETF 46432F842 9,922 161,596 SH   SOLE   0 0 161,596
Vanguard Interm. Treasuries ETF 92206C706 10,109 153,237 SH   SOLE   0 0 153,237
Vanguard Glb. Ex-US Real Estat ETF 922042676 5,193 88,020 SH   SOLE   0 0 88,020
iShares MSCI Emerging Markets ETF 464287234 3,156 73,551 SH   SOLE   0 0 73,551
Vanguard Short-Term Treasuries ETF 92206C102 4,200 68,931 SH   SOLE   0 0 68,931
Vanguard Total Stock Market ETF 922908769 9,516 63,400 SH   SOLE   0 0 63,400
iShares Core S&P Small-Cap ETF 464287804 4,704 60,098 SH   SOLE   0 0 60,098
Vanguard Total Bond Market ETF 921937835 4,367 52,567 SH   SOLE   0 0 52,567
Vanguard FTSE Emerging Markets ETF 922042858 1,955 45,962 SH   SOLE   0 0 45,962
iShares MSCI EAFE ETF 464287465 2,750 41,836 SH   SOLE   0 0 41,836
Vanguard Real Estate ETF 922908553 3,197 36,581 SH   SOLE   0 0 36,581
SPDR S&P Dividend ETF 78464A763 3,394 33,648 SH   SOLE   0 0 33,648
iShares Russell 2000 ETF 464287655 4,645 29,871 SH   SOLE   0 0 29,871
Vanguard Interm. Corp. Bond ETF 92206C870 2,548 28,363 SH   SOLE   0 0 28,363
SPDR S&P 500 ETF 78462F103 7,127 24,323 SH   SOLE   0 0 24,323
iShares Core US Aggregate Bond ETF 464287226 2,687 24,130 SH   SOLE   0 0 24,130
Vanguard Short-Term Corp. Bond ETF 92206C409 1,914 23,725 SH   SOLE   0 0 23,725
iShares MSCI EAFE Small-Cap ETF 464288273 1,356 23,626 SH   SOLE   0 0 23,626
iShares Core MSCI Emerging Mkt ETF 46434G103 998 19,400 SH   SOLE   0 0 19,400
iShares Core S&P Mid-Cap ETF 464287507 3,340 17,195 SH   SOLE   0 0 17,195
Peoples United EQUITY 712704105 288 17,139 SH   SOLE   0 0 17,139
iShares Russell Mid-Cap ETF 464287499 862 15,432 SH   SOLE   0 0 15,432
Vanguard Dividend Appreciation ETF 921908844 1,654 14,362 SH   SOLE   0 0 14,362
Schwab Fundamental US Large Co ETF 808524771 423 10,821 SH   SOLE   0 0 10,821
General Electric EQUITY 369604103 108 10,278 SH   SOLE   0 0 10,278
iShares Core MSCI Totl ETF 46432F834 595 10,152 SH   SOLE   0 0 10,152
iShares Core S&P 500 ETF 464287200 2,325 7,888 SH   SOLE   0 0 7,888
Apple Computer EQUITY 037833100 1,395 7,049 SH   SOLE   0 0 7,049
PowerShares FTSE RAFI US 1000 ETF 46137V613 1,159 9,938 SH   SOLE   0 0 9,938
Berkshire Hathaway Cl B EQUITY 084670702 1,111 5,211 SH   SOLE   0 0 5,211
Vanguard High Dividend Yield ETF 921946406 711 8,138 SH   SOLE   0 0 8,138
Schwab US Small-Cap ETF 808524607 698 9,761 SH   SOLE   0 0 9,761
Vanguard Small-Cap ETF 922908751 592 3,779 SH   SOLE   0 0 3,779
Schwab US Dividend Equity ETF 808524797 498 9,384 SH   SOLE   0 0 9,384
Vanguard FTSE All-World ex-US ETF 922042775 466 9,132 SH   SOLE   0 0 9,132
Schwab US Broad Market ETF 808524102 386 5,474 SH   SOLE   0 0 5,474
Home Depot Inc EQUITY 437076102 384 1,848 SH   SOLE   0 0 1,848
iShares Residential Real Estat ETF 464288562 378 5,183 SH   SOLE   0 0 5,183
Becton Dickinson & Co EQUITY 075887109 378 1,500 SH   SOLE   0 0 1,500
iShares Cohen & Steers REIT ETF 464287564 368 3,263 SH   SOLE   0 0 3,263
iShares National Muni Bond ETF 464288414 362 3,204 SH   SOLE   0 0 3,204
Invesco S&P 500 Low ETF 46138E354 336 6,111 SH   SOLE   0 0 6,111
iShares Russell 3000 ETF 464287689 336 1,947 SH   SOLE   0 0 1,947
American Express Company EQUITY 025816109 302 2,449 SH   SOLE   0 0 2,449
iShares Core High Dividend ETF 46429B663 258 2,727 SH   SOLE   0 0 2,727
A T & T EQUITY 00206R102 235 7,010 SH   SOLE   0 0 7,010
PowerShares Dividend Achievers ETF 46137V506 230 8,025 SH   SOLE   0 0 8,025
Vanguard Mid-Cap ETF 922908629 208 1,244 SH   SOLE   0 0 1,244
Valero Energy Corp New EQUITY 91913Y100 207 2,420 SH   SOLE   0 0 2,420
Willis Towers Watson EQUITY G96629103 202 1,055 SH   SOLE   0 0 1,055