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
Vanguard Total International S ETF 921909768 24,375 495,721 SH   SOLE   0 0 495,721
Vanguard Interm. Treasuries ETF 92206C706 12,419 175,981 SH   SOLE   0 0 175,981
SPDR Doubleline Ttl Rtrn ETF 78467V848 6,760 136,429 SH   SOLE   0 0 136,429
iShares EMU Hedged ETF ETF 46434V639 3,098 110,078 SH   SOLE   0 0 110,078
Vanguard FTSE Developed Market ETF 921943858 3,093 79,746 SH   SOLE   0 0 79,746
iShares Core MSCI EAFE ETF 46432F842 3,871 67,721 SH   SOLE   0 0 67,721
Vanguard FTSE Emerging Markets ETF 922042858 2,520 63,622 SH   SOLE   0 0 63,622
iShares MSCI Emerging Markets ETF 464287234 2,512 62,815 SH   SOLE   0 0 62,815
Vanguard Total Bond Market ETF 921937835 4,908 55,564 SH   SOLE   0 0 55,564
Vanguard Short-Term Treasuries ETF 92206C102 3,378 54,302 SH   SOLE   0 0 54,302
Vanguard Total Stock Market ETF 922908769 7,994 51,072 SH   SOLE   0 0 51,072
Proshares S&P Midcap 400 Dvd ETF 74347B680 2,480 47,134 SH   SOLE   0 0 47,134
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,903 40,777 SH   SOLE   0 0 40,777
ProShares Dividend Aristocrats ETF 74348A467 2,535 37,643 SH   SOLE   0 0 37,643
iShares Core US Aggregate Bond ETF 464287226 4,425 37,436 SH   SOLE   0 0 37,436
iShares Core MSCI Totl ETF 46432F834 2,033 37,294 SH   SOLE   0 0 37,294
iShares MSCI EAFE ETF 464287465 1,822 29,936 SH   SOLE   0 0 29,936
SPDR S&P 500 ETF 78462F103 9,153 29,682 SH   SOLE   0 0 29,682
iShares Core S&P Small-Cap ETF 464287804 1,904 27,877 SH   SOLE   0 0 27,877
SPDR S&P Dividend ETF 78464A763 2,473 27,120 SH   SOLE   0 0 27,120
Vanguard Mid-Cap ETF 922908629 4,022 24,535 SH   SOLE   0 0 24,535
iShares Russell 2000 ETF 464287655 3,111 21,726 SH   SOLE   0 0 21,726
Vanguard Interm. Corp. Bond ETF 92206C870 2,065 21,706 SH   SOLE   0 0 21,706
Vanguard Short-Term Corp. Bond ETF 92206C409 1,680 20,329 SH   SOLE   0 0 20,329
iShares Core MSCI Emerging Mkt ETF 46434G103 923 19,400 SH   SOLE   0 0 19,400
Vanguard FTSE All-World ex-US ETF 922042775 909 19,089 SH   SOLE   0 0 19,089
Vanguard Dividend Appreciation ETF 921908844 2,091 17,842 SH   SOLE   0 0 17,842
Peoples United EQUITY 712704105 198 17,139 SH   SOLE   0 0 17,139
iShares Russell Mid-Cap ETF 464287499 827 15,432 SH   SOLE   0 0 15,432
iShares Core S&P 500 ETF 464287200 3,798 12,263 SH   SOLE   0 0 12,263
Vanguard Real Estate ETF 922908553 858 10,929 SH   SOLE   0 0 10,929
General Electric EQUITY 369604103 71 10,464 SH   SOLE   0 0 10,464
iShares US Technology ETF 464287721 2,432 9,013 SH   SOLE   0 0 9,013
Apple Computer EQUITY 037833100 1,475 4,044 SH   SOLE   0 0 4,044
iShares Core S&P Mid-Cap ETF 464287507 1,208 6,796 SH   SOLE   0 0 6,796
Vanguard High Dividend Yield ETF 921946406 641 8,138 SH   SOLE   0 0 8,138
Invesco S&P 500 Equal Weight ETF 46137V357 640 6,288 SH   SOLE   0 0 6,288
Vanguard Small-Cap ETF 922908751 495 3,398 SH   SOLE   0 0 3,398
Schwab US Dividend Equity ETF 808524797 486 9,384 SH   SOLE   0 0 9,384
Home Depot Inc EQUITY 437076102 463 1,848 SH   SOLE   0 0 1,848
iShares National Muni Bond ETF 464288414 378 3,277 SH   SOLE   0 0 3,277
PowerShares FTSE RAFI US 1000 ETF 46137V613 316 2,919 SH   SOLE   0 0 2,919
Invesco S&P 500 Low ETF 46138E354 304 6,111 SH   SOLE   0 0 6,111
Amazon Com Inc EQUITY 023135106 298 108 SH   SOLE   0 0 108
Schwab US Broad Market ETF 808524102 296 4,034 SH   SOLE   0 0 4,034
American Express Company EQUITY 025816109 276 2,899 SH   SOLE   0 0 2,899
Vanguard S&P 500 ETF ETF 922908363 262 925 SH   SOLE   0 0 925
Ishares Core S&P Total ETF 464287150 249 3,590 SH   SOLE   0 0 3,590
PowerShares Dividend Achievers ETF 46137V506 226 8,025 SH   SOLE   0 0 8,025
Berkshire Hathaway Cl B EQUITY 084670702 221 1,236 SH   SOLE   0 0 1,236
iShares Russell 3000 ETF 464287689 218 1,208 SH   SOLE   0 0 1,208
iShares S&P NA Tec. Semi. Idx ETF 464287523 217 800 SH   SOLE   0 0 800
iShares Cohen & Steers REIT ETF 464287564 208 2,065 SH   SOLE   0 0 2,065
Willis Towers Watson EQUITY G96629103 208 1,055 SH   SOLE   0 0 1,055
A T & T EQUITY 00206R102 207 6,834 SH   SOLE   0 0 6,834
Microsoft EQUITY 594918104 201 990 SH   SOLE   0 0 990