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
GENERAL ELECTRIC CO COM 369604103 571 20,778 SH   SOLE 0 0 20,778
ISHARES SELECT DIVID ETF 464287168 735 10,440 SH   SOLE 0 0 10,440
ISHARES TIPS BD ETF 464287176 2,911 26,411 SH   SOLE 0 0 26,411
ISHARES CORE S&P500 ETF 464287200 26,475 143,938 SH   SOLE 0 0 143,938
ISHARES CORE TOTUSBD ETF 464287226 9,588 89,993 SH   SOLE 0 0 89,993
ISHARES NA NAT RES 464287374 1,170 27,399 SH   SOLE 0 0 27,399
ISHARES S&P 500 VAL ETF 464287408 25,893 305,311 SH   SOLE 0 0 305,311
ISHARES MSCI EAFE ETF 464287465 17,450 264,478 SH   SOLE 0 0 264,478
ISHARES RUS MID-CAP ETF 464287499 2,981 20,026 SH   SOLE 0 0 20,026
ISHARES CORE S&P MCP ETF 464287507 30,664 230,581 SH   SOLE 0 0 230,581
ISHARES RUS 1000 VAL ETF 464287598 1,617 17,299 SH   SOLE 0 0 17,299
ISHARES RUS 1000 ETF 464287622 2,460 24,058 SH   SOLE 0 0 24,058
ISHARES RUS 2000 VAL ETF 464287630 1,053 10,676 SH   SOLE 0 0 10,676
ISHARES SP SMCP600VL ETF 464287879 13,177 119,045 SH   SOLE 0 0 119,045
ISHARES SHT NTLAMTFR ETF 464288158 1,905 17,923 SH   SOLE 0 0 17,923
ISHARES MSCI ACWI ETF 464288257 503 10,985 SH   SOLE 0 0 10,985
ISHARES 17 AMT-FREE ETF 464289271 1,109 20,150 SH   SOLE 0 0 20,150
ISHARES 16 AMT-FREE ETF 464289313 1,425 26,615 SH   SOLE 0 0 26,615
ISHARES GOLD TRUST ISHARES 464285105 282 23,440 SH   SOLE 0 0 23,440
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 415 13,280 SH   SOLE 0 0 13,280
ISHARES TR CORE MSCITOTAL 46432F834 1,754 31,014 SH   SOLE 0 0 31,014
JPMORGAN CHASE & CO COM 46625H100 851 14,504 SH   SOLE 0 0 14,504
LINCOLN NATL CORP IND COM 534187109 3,105 61,117 SH   SOLE 0 0 61,117
SMITH A O COM 831865209 750 14,060 SH   SOLE 0 0 14,060
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,904 38,370 SH   SOLE 0 0 38,370
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 471 11,596 SH   SOLE 0 0 11,596
SPDR INDEX SHS FDS S&P WRLD EX US 78463X889 1,113 38,562 SH   SOLE 0 0 38,562
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,138 11,689 SH   SOLE 0 0 11,689
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 1,267 37,585 SH   SOLE 0 0 37,585
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 4,113 101,420 SH   SOLE 0 0 101,420
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 752 30,965 SH   SOLE 0 0 30,965
SPDR SERIES TRUST BARC SHT TR CP 78464A474 2,871 93,573 SH   SOLE 0 0 93,573
SPDR SERIES TRUST DJ REIT ETF 78464A607 9,677 134,934 SH   SOLE 0 0 134,934
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 3,901 71,426 SH   SOLE 0 0 71,426
TOWER FINANCIAL CORP COM 891769101 579 23,473 SH   SOLE 0 0 23,473
US BANCORP DEL COM NEW 902973304 986 24,606 SH   SOLE 0 0 24,606
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 2,679 32,899 SH   SOLE 0 0 32,899
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,287 13,528 SH   SOLE 0 0 13,528
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 2,644 29,579 SH   SOLE 0 0 29,579
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 6,997 85,365 SH   SOLE 0 0 85,365
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 6,198 77,564 SH   SOLE 0 0 77,564
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 21,060 262,824 SH   SOLE 0 0 262,824
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,940 17,553 SH   SOLE 0 0 17,553
VANGUARD INDEX FDS REIT ETF 922908553 10,058 154,911 SH   SOLE 0 0 154,911
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,069 52,454 SH   SOLE 0 0 52,454
VANGUARD INDEX FDS MID CAP ETF 922908629 7,140 65,537 SH   SOLE 0 0 65,537
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,058 24,502 SH   SOLE 0 0 24,502
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,294 15,742 SH   SOLE 0 0 15,742
VANGUARD INDEX FDS VALUE ETF 922908744 3,595 47,453 SH   SOLE 0 0 47,453
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,030 21,355 SH   SOLE 0 0 21,355
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 15,545 312,710 SH   SOLE 0 0 312,710
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,667 42,039 SH   SOLE 0 0 42,039
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 839 14,575 SH   SOLE 0 0 14,575
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,522 91,749 SH   SOLE 0 0 91,749
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,119 39,123 SH   SOLE 0 0 39,123
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,155 38,045 SH   SOLE 0 0 38,045
VANGUARD STAR FD VG TL INTL STK F 921909768 8,963 174,239 SH   SOLE 0 0 174,239
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,544 37,672 SH   SOLE 0 0 37,672
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 4,748 86,948 SH   SOLE 0 0 86,948
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,285 52,501 SH   SOLE 0 0 52,501
WILLIAMS COS INC DEL COM 969457100 475 12,498 SH   SOLE 0 0 12,498