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
ABBOTT LABS COM 002824100 3 75 SH   DFND 1 0 0 75
ABBVIE INC COM 00287Y109 4 75 SH   DFND 1 0 0 75
AMERICAN EXPRESS CO COM 025816109 7 100 SH   DFND 1 0 0 100
APPLE INC COM 037833100 1 10 SH   DFND 1 0 0 10
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8 62 SH   DFND 1 0 0 62
BEST BUY INC COM 086516101 0 8 SH   DFND 1 0 0 8
CISCO SYS INC COM 17275R102 5 200 SH   DFND 1 0 0 200
CITIGROUP INC COM NEW 172967424 2 33 SH   DFND 1 0 0 33
COHEN & STEERS TOTAL RETURN COM 19247R103 9 675 SH   DFND 1 0 0 675
CONOCOPHILLIPS COM 20825C104 1 30 SH   DFND 1 0 0 30
CONTINENTAL RESOURCES INC COM 212015101 1 22 SH   DFND 1 0 0 22
CREDIT SUISSE AG NASSAU BRH VELOCITY SHS EXC 22539T597 4 400 SH   DFND 1 0 0 400
CSX CORP COM 126408103 1 45 SH   DFND 1 0 0 45
DBX ETF TR DB XTR MSCI EUR 233051853 1 41 SH   DFND 1 0 0 41
DEERE & CO COM 244199105 2 20 SH   DFND 1 0 0 20
DISNEY WALT CO COM DISNEY 254687106 2 20 SH   DFND 1 0 0 20
DNP SELECT INCOME FD COM 23325P104 49 5,475 SH   DFND 1 0 0 5,475
DOMINION RES INC VA NEW COM 25746U109 2 30 SH   DFND 1 0 0 30
DREAMWORKS ANIMATION SKG INC CL A 26153C103 0 10 SH   DFND 1 0 0 10
EATON VANCE TX MGD DIV EQ IN COM 27828N102 4 325 SH   DFND 1 0 0 325
FACEBOOK INC CL A 30303M102 3 25 SH   DFND 1 0 0 25
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101 1 43 SH   DFND 1 0 0 43
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 2 35 SH   DFND 1 0 0 35
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 1 63 SH   DFND 1 0 0 63
FIRST TR LRG CP GRWTH ALPHAD COM SHS 33735K108 1 31 SH   DFND 1 0 0 31
FIRST TR S&P REIT INDEX FD COM 33734G108 7 321 SH   DFND 1 0 0 321
GENERAL ELECTRIC CO COM 369604103 6 195 SH   DFND 1 0 0 195
HANCOCK JOHN FINL OPPTYS FD SH BEN INT NEW 409735206 4 128 SH   DFND 1 0 0 128
HEALTHCARE TR AMER INC CL A NEW 42225P501 35 1,287 SH   DFND 1 0 0 1,287
HYSTER YALE MATLS HANDLING I CL A 449172105 6 105 SH   DFND 1 0 0 105
INTEL CORP COM 458140100 10 300 SH   DFND 1 0 0 300
INTREPID POTASH INC COM 46121Y102 0 20 SH   DFND 1 0 0 20
ISHARES TR 1-3 YR TR BD ETF 464287457 8 97 SH   DFND 1 0 0 97
ISHARES TR 20+ YR TR BD ETF 464287432 1 5 SH   DFND 1 0 0 5
ISHARES TR AGENCY BOND ETF 464288166 2 15 SH   DFND 1 0 0 15
ISHARES TR ASIA 50 ETF 464288430 8 185 SH   DFND 1 0 0 185
ISHARES TR CMBS ETF 46429B366 1 23 SH   DFND 1 0 0 23
ISHARES TR CORE S&P MCP ETF 464287507 37,173 266,815 SH   DFND 1 0 0 266,815
ISHARES TR CORE S&P SCP ETF 464287804 17,081 155,125 SH   DFND 1 0 0 155,125
ISHARES TR CORE US CR BD 464288620 2 17 SH   DFND 1 0 0 17
ISHARES TR IBOXX INV CP ETF 464287242 14,992 131,499 SH   DFND 1 0 0 131,499
ISHARES TR LATN AMER 40 ETF 464287390 2 100 SH   DFND 1 0 0 100
ISHARES TR MBS ETF 464288588 2 23 SH   DFND 1 0 0 23
ISHARES TR MSCI EMG MKT ETF 464287234 7 205 SH   DFND 1 0 0 205
ISHARES TR NAT AMT FREE BD 464288414 15,857 143,233 SH   DFND 1 0 0 143,233
ISHARES TR RUSSELL 2000 ETF 464287655 10 90 SH   DFND 1 0 0 90
ISHARES TR TIPS BD ETF 464287176 0 4 SH   DFND 1 0 0 4
ISHARES TR U.S. BAS MTL ETF 464287838 0 4 SH   DFND 1 0 0 4
JPMORGAN CHASE & CO COM 46625H100 4 62 SH   DFND 1 0 0 62
LOWES COS INC COM 548661107 2 20 SH   DFND 1 0 0 20
MARKET VECTORS ETF TR HG YLD MUN ETF 57060U878 4,321 139,921 SH   DFND 1 0 0 139,921
MELCO CROWN ENTMT LTD ADR 585464100 5 300 SH   DFND 1 0 0 300
MICROSOFT CORP COM 594918104 12 210 SH   DFND 1 0 0 210
MONMOUTH REAL ESTATE INVT CO CL A 609720107 1 100 SH   DFND 1 0 0 100
MONSANTO CO NEW COM 61166W101 3 34 SH   DFND 1 0 0 34
NEENAH PAPER INC COM 640079109 2 30 SH   DFND 1 0 0 30
NOKIA CORP SPONSORED ADR 654902204 1 100 SH   DFND 1 0 0 100
NORTHSTAR REALTY EUROPE CORP COM 66706L101 1 86 SH   DFND 1 0 0 86
NORTHSTAR RLTY FIN CORP COM 66704R803 4 258 SH   DFND 1 0 0 258
NUVEEN QUALITY PFD INCOME FD COM 67071S101 47 5,700 SH   DFND 1 0 0 5,700
PFIZER INC COM 717081103 5 140 SH   DFND 1 0 0 140
PIMCO ETF TR TTL RTN ACTV ETF 72201R775 5 49 SH   DFND 1 0 0 49
PJT PARTNERS INC COM CL A 69343T107 0 7 SH   DFND 1 0 0 7
POTASH CORP SASK INC COM 73755L107 1 30 SH   DFND 1 0 0 30
POWERSHARES GLOBAL ETF TRUST AGG PFD PORT 73936T565 2 125 SH   DFND 1 0 0 125
POWERSHARES GLOBAL ETF TRUST FDM HG YLD RAFI 73936T557 0 28 SH   DFND 1 0 0 28
POWERSHARES GLOBAL ETF TRUST SOVEREIGN DEBT 73936T573 1 25 SH   DFND 1 0 0 25
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 14 126 SH   DFND 1 0 0 126
PULTE GROUP INC COM 745867101 0 14 SH   DFND 1 0 0 14
REALTY INCOME CORP COM 756109104 1 25 SH   DFND 1 0 0 25
RYDEX ETF TRUST GUG EMK CTR ETF 78355W536 0 8 SH   DFND 1 0 0 8
RYDEX ETF TRUST GUG RUSS2000 EQL 78355W585 0 10 SH   DFND 1 0 0 10
RYDEX ETF TRUST GUG S&P MC400 PG 78355W601 6 50 SH   DFND 1 0 0 50
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 19 245 SH   DFND 1 0 0 245
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 19 235 SH   DFND 1 0 0 235
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 0 11 SH   DFND 1 0 0 11
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2 72 SH   DFND 1 0 0 72
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1 18 SH   DFND 1 0 0 18
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1 17 SH   DFND 1 0 0 17
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1 25 SH   DFND 1 0 0 25
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1 29 SH   DFND 1 0 0 29
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1 25 SH   DFND 1 0 0 25
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1 26 SH   DFND 1 0 0 26
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3 67 SH   DFND 1 0 0 67
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1 35 SH   DFND 1 0 0 35
SCHWAB STRATEGIC TR US REIT ETF 808524847 0 11 SH   DFND 1 0 0 11
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 0 8 SH   DFND 1 0 0 8
SHUTTERFLY INC COM 82568P304 1 30 SH   DFND 1 0 0 30
SOUTHWEST AIRLS CO COM 844741108 0 4 SH   DFND 1 0 0 4
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 0 8 SH   DFND 1 0 0 8
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 0 11 SH   DFND 1 0 0 11
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 0 7 SH   DFND 1 0 0 7
SPDR INDEX SHS FDS STOXX EUR 50 ETF 78463X103 0 5 SH   DFND 1 0 0 5
SPDR S&P 500 ETF TR TR UNIT 78462F103 152,468 747,870 SH   DFND 1 0 0 747,870
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 9,025 266,145 SH   DFND 1 0 0 266,145
SPDR SERIES TRUST BRCLY INTL CRP 78464A151 1 21 SH   DFND 1 0 0 21
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 7,050 289,427 SH   DFND 1 0 0 289,427
SPDR SERIES TRUST NUVN BRCLY MUNI 78464A458 10,913 447,614 SH   DFND 1 0 0 447,614
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 1 11 SH   DFND 1 0 0 11
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1 16 SH   DFND 1 0 0 16
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 0 2 SH   DFND 1 0 0 2
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 0 4 SH   DFND 1 0 0 4
STATE BK FINL CORP COM 856190103 6 285 SH   DFND 1 0 0 285
TRAVELERS COMPANIES INC COM 89417E109 2 18 SH   DFND 1 0 0 18
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 0 4 SH   DFND 1 0 0 4
US BANCORP DEL COM NEW 902973304 19 456 SH   DFND 1 0 0 456
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 35,957 451,895 SH   DFND 1 0 0 451,895
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 67,560 836,555 SH   DFND 1 0 0 836,555
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 8,038 152,001 SH   DFND 1 0 0 152,001
VANGUARD INDEX FDS GROWTH ETF 922908736 6 52 SH   DFND 1 0 0 52
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2 20 SH   DFND 1 0 0 20
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2 18 SH   DFND 1 0 0 18
VANGUARD INDEX FDS MID CAP ETF 922908629 2 18 SH   DFND 1 0 0 18
VANGUARD INDEX FDS REIT ETF 922908553 25,767 323,178 SH   DFND 1 0 0 323,178
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1 8 SH   DFND 1 0 0 8
VANGUARD INDEX FDS SMALL CP ETF 922908751 1 13 SH   DFND 1 0 0 13
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1 10 SH   DFND 1 0 0 10
VANGUARD INDEX FDS VALUE ETF 922908744 3 36 SH   DFND 1 0 0 36
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 29,683 907,451 SH   DFND 1 0 0 907,451
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,231 66,825 SH   DFND 1 0 0 66,825
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2 22 SH   DFND 1 0 0 22
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 85,867 2,338,421 SH   DFND 1 0 0 2,338,421
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1 11 SH   DFND 1 0 0 11
WELLTOWER INC COM 95040Q104 7 100 SH   DFND 1 0 0 100
WILLIAMS COS INC DEL COM 969457100 9 350 SH   DFND 1 0 0 350
WPX ENERGY INC COM 98212B103 1 116 SH   DFND 1 0 0 116