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    <nameOfIssuer>E M C CORP MASS COM</nameOfIssuer>
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    <nameOfIssuer>ELI LILLY &amp; CO.</nameOfIssuer>
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    <nameOfIssuer>EMERSON ELEC</nameOfIssuer>
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      <Sole>22931</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR FLTG RATE NT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>1137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBOXX INV CPBD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EAFE IDX</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>3390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>2145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL1000VAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>1671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR TRANSP AVE IDX</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287192</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US PFD STK IDX</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>2058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369y407</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI HEAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369y209</cusip>
    <value>1049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20728</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369y605</cusip>
    <value>1696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369y704</cusip>
    <value>1352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369y803</cusip>
    <value>2478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>77335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS DJ INTL RL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463x863</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS S&amp;P INTL ET</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463x772</cusip>
    <value>1298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27823</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR SHT TRM HGH YLD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468r408</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST BRC CNV SECS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464a359</cusip>
    <value>603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST BRCLYS YLD E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464a417</cusip>
    <value>1475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST S&amp;P REGL BKG</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A698</cusip>
    <value>301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8449</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS REIT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQTY IDX EURPEAN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>1872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TRUST JAPN HEDGE EQ</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717w851</cusip>
    <value>1498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
