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
3M CO COM 88579Y101 924 5,600 SH   SOLE   5,600 0 0
ACTAVIS PLC SHS G0083B108 650 2,185 SH   SOLE   2,185 0 0
AMGEN INC COM 031162100 1,986 12,427 SH   SOLE   12,427 0 0
APPLE INC COM 037833100 3,198 25,701 SH   SOLE   25,701 0 0
AT&T INC COM 00206R102 488 14,946 SH   SOLE   14,946 0 0
BAXTER INTL INC COM 071813109 637 9,300 SH   SOLE   9,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 238 1,650 SH   SOLE   1,650 0 0
BLACKSTONE GROUP L P COM UNIT LTD 09253U108 1,460 37,530 SH   SOLE   37,530 0 0
BOEING CO COM 097023105 1,086 7,238 SH   SOLE   7,238 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 400 6,200 SH   SOLE   6,200 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 273 6,000 SH   SOLE   6,000 0 0
CHEVRON CORP NEW COM 166764100 1,544 14,711 SH   SOLE   14,711 0 0
CIGNA CORPORATION COM 125509109 873 6,748 SH   SOLE   6,748 0 0
CISCO SYS INC COM 17275R102 1,034 37,575 SH   SOLE   37,575 0 0
COCA COLA CO COM 191216100 308 7,596 SH   SOLE   7,596 0 0
COMCAST CORP NEW CL A 20030N101 1,485 26,290 SH   SOLE   26,290 0 0
CONOCOPHILLIPS COM 20825C104 855 13,738 SH   SOLE   13,738 0 0
CSX CORP COM 126408103 596 18,000 SH   SOLE   18,000 0 0
DOW CHEM CO COM 260543103 667 13,900 SH   SOLE   13,900 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 386 5,395 SH   SOLE   5,395 0 0
EVEREST RE GROUP LTD COM G3223R108 716 4,115 SH   SOLE   4,115 0 0
EXXON MOBIL CORP COM 30231G102 1,617 19,027 SH   SOLE   19,027 0 0
GENERAL ELECTRIC CO COM 369604103 890 35,875 SH   SOLE   35,875 0 0
HONEYWELL INTL INC COM 438516106 1,613 15,465 SH   SOLE   15,465 0 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 1,212 40,485 SH   SOLE   40,485 0 0
INTEL CORP COM 458140100 1,555 49,720 SH   SOLE   49,720 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 866 5,397 SH   SOLE   5,397 0 0
ISHARES EM MK MINVOL ETF 464286533 3,591 60,859 SH   SOLE   60,859 0 0
ISHARES 17 AMT-FREE ETF 464289271 280 5,075 SH   SOLE   5,075 0 0
ISHARES 16 AMT-FREE ETF 464289313 277 5,200 SH   SOLE   5,200 0 0
ISHARES 15 AMT-FREE ETF 464289339 273 5,195 SH   SOLE   5,195 0 0
ISHARES TR TIPS BD ETF 464287176 222 1,950 SH   SOLE   1,950 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 422 10,525 SH   SOLE   10,525 0 0
ISHARES TR COHEN&STEER REIT 464287564 497 4,915 SH   SOLE   4,915 0 0
ISHARES TR U.S. TECH ETF 464287721 423 4,034 SH   SOLE   4,034 0 0
ISHARES TR 19 AMT-FREE MN 46429B564 278 10,895 SH   SOLE   10,895 0 0
ISHARES TR 18 AMT-FREE ETF 46429B580 275 10,795 SH   SOLE   10,795 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 8,998 136,560 SH   SOLE   136,560 0 0
ISHARES TR USA MIN VOL ETF 46429B697 585 14,190 SH   SOLE   14,190 0 0
JOHNSON & JOHNSON COM 478160104 409 4,065 SH   SOLE   4,065 0 0
JOHNSON CTLS INC COM 478366107 418 8,280 SH   SOLE   8,280 0 0
JPMORGAN CHASE & CO COM 46625H100 342 5,652 SH   SOLE   5,652 0 0
KROGER CO COM 501044101 1,851 24,145 SH   SOLE   24,145 0 0
MACYS INC COM 55616P104 769 11,845 SH   SOLE   11,845 0 0
MCKESSON CORP COM 58155Q103 633 2,800 SH   SOLE   2,800 0 0
MICROSOFT CORP COM 594918104 279 6,870 SH   SOLE   6,870 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,951 18,955 SH   SOLE   18,955 0 0
ORACLE CORP COM 68389X105 273 6,327 SH   SOLE   6,327 0 0
PEPSICO INC COM 713448108 1,371 14,334 SH   SOLE   14,334 0 0
PFIZER INC COM 717081103 1,146 32,940 SH   SOLE   32,940 0 0
PHILLIPS 66 COM 718546104 465 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 194 15,517 SH   SOLE   15,517 0 0
PROCTER & GAMBLE CO COM 742718109 268 3,265 SH   SOLE   3,265 0 0
PROSHARES TR ALTRNTV SOLUTN 74347B813 10,698 263,560 SH   SOLE   263,560 0 0
PROSHARES TR RAFI LG SHT FD 74347X310 471 11,625 SH   SOLE   11,625 0 0
QUALCOMM INC COM 747525103 672 9,690 SH   SOLE   9,690 0 0
RYDER SYS INC COM 783549108 1,756 18,505 SH   SOLE   18,505 0 0
SCHLUMBERGER LTD COM 806857108 668 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 489 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,314 177,130 SH   SOLE   177,130 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,939 99,960 SH   SOLE   99,960 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 514 10,120 SH   SOLE   10,120 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 697 12,700 SH   SOLE   12,700 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 367 8,250 SH   SOLE   8,250 0 0
SOUTHWEST AIRLS CO COM 844741108 1,336 30,150 SH   SOLE   30,150 0 0
STANLEY BLACK & DECKER INC COM 854502101 1,046 10,970 SH   SOLE   10,970 0 0
STEEL DYNAMICS INC COM 858119100 719 35,750 SH   SOLE   35,750 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADR 874039100 1,221 51,985 SH   SOLE   51,985 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 955 15,335 SH   SOLE   15,335 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 240 1,785 SH   SOLE   1,785 0 0
TIME WARNER CABLE INC COM 88732J207 253 1,689 SH   SOLE   1,689 0 0
TIME WARNER INC COM NEW 887317303 928 10,991 SH   SOLE   10,991 0 0
TOTAL S A SPONSORED ADR 89151E109 1,215 24,460 SH   SOLE   24,460 0 0
V F CORP COM 918204108 1,972 26,180 SH   SOLE   26,180 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,592 19,775 SH   SOLE   19,775 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,272 35,601 SH   SOLE   35,601 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 273 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS REIT ETF 922908553 7,021 83,271 SH   SOLE   83,271 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,644 69,871 SH   SOLE   69,871 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,025 19,360 SH   SOLE   19,360 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 737 6,874 SH   SOLE   6,874 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 393 9,605 SH   SOLE   9,605 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 3,234 40,191 SH   SOLE   40,191 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,458 86,815 SH   SOLE   86,815 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 246 3,605 SH   SOLE   3,605 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 724 14,894 SH   SOLE   14,894 0 0
VISA INC COM CL A 92826C839 1,575 24,080 SH   SOLE   24,080 0 0
W P CAREY INC COM 92936U109 402 5,913 SH   SOLE   5,913 0 0
WASHINGTON REAL ESTATE INVT SH BEN INT 939653101 201 7,275 SH   SOLE   7,275 0 0
WELLS FARGO & CO NEW COM 949746101 1,671 30,710 SH   SOLE   30,710 0 0