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 547 20,583 SH   SOLE 0 0 20,583
ISHARES TIPS BD ETF 464287176 3,347 29,599 SH   SOLE 0 0 29,599
ISHARES CORE S&P500 ETF 464287200 27,100 144,501 SH   SOLE 0 0 144,501
ISHARES CORE TOTUSBD ETF 464287226 11,646 107,648 SH   SOLE 0 0 107,648
ISHARES NA NAT RES 464287374 1,277 27,799 SH   SOLE 0 0 27,799
ISHARES S&P 500 VAL ETF 464287408 26,773 307,167 SH   SOLE 0 0 307,167
ISHARES MSCI EAFE ETF 464287465 17,409 257,803 SH   SOLE 0 0 257,803
ISHARES RUS MID-CAP ETF 464287499 3,032 19,847 SH   SOLE 0 0 19,847
ISHARES CORE S&P MCP ETF 464287507 30,712 227,887 SH   SOLE 0 0 227,887
ISHARES RUS 1000 VAL ETF 464287598 1,639 17,014 SH   SOLE 0 0 17,014
ISHARES RUS 1000 ETF 464287622 2,504 24,010 SH   SOLE 0 0 24,010
ISHARES RUS 2000 VAL ETF 464287630 991 10,002 SH   SOLE 0 0 10,002
ISHARES SP SMCP600VL ETF 464287879 13,231 118,725 SH   SOLE 0 0 118,725
ISHARES SHT NTLAMTFR ETF 464288158 1,549 14,582 SH   SOLE 0 0 14,582
ISHARES MSCI ACWI ETF 464288257 497 10,568 SH   SOLE 0 0 10,568
ISHARES 17 AMT-FREE ETF 464289271 1,501 27,214 SH   SOLE 0 0 27,214
ISHARES 16 AMT-FREE ETF 464289313 1,618 30,219 SH   SOLE 0 0 30,219
ISHARES 15 AMT-FREE ETF 464289339 1,093 20,603 SH   SOLE 0 0 20,603
ISHARES GOLD TRUST ISHARES 464285105 294 23,440 SH   SOLE 0 0 23,440
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 447 13,280 SH   SOLE 0 0 13,280
ISHARES TR 18 AMT-FREE ETF 46429B580 1,097 43,024 SH   SOLE 0 0 43,024
ISHARES TR CORE MSCITOTAL 46432F834 2,533 43,471 SH   SOLE 0 0 43,471
ISHARES TR CORE STRM USBD 46432F859 1,101 10,970 SH   SOLE 0 0 10,970
JPMORGAN CHASE & CO COM 46625H100 791 14,316 SH   SOLE 0 0 14,316
LINCOLN NATL CORP IND COM 534187109 2,619 54,474 SH   SOLE 0 0 54,474
SMITH A O COM 831865209 654 14,060 SH   SOLE 0 0 14,060
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2,079 40,774 SH   SOLE 0 0 40,774
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 497 11,747 SH   SOLE 0 0 11,747
SPDR INDEX SHS FDS S&P WRLD EX US 78463X889 1,018 34,467 SH   SOLE 0 0 34,467
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,174 11,663 SH   SOLE 0 0 11,663
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 1,295 38,039 SH   SOLE 0 0 38,039
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 4,351 105,559 SH   SOLE 0 0 105,559
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 753 30,985 SH   SOLE 0 0 30,985
SPDR SERIES TRUST BARC SHT TR CP 78464A474 2,962 96,219 SH   SOLE 0 0 96,219
SPDR SERIES TRUST DJ REIT ETF 78464A607 10,535 132,120 SH   SOLE 0 0 132,120
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 4,024 71,802 SH   SOLE 0 0 71,802
TOWER FINANCIAL CORP COM 891769101 567 23,723 SH   SOLE 0 0 23,723
US BANCORP DEL COM NEW 902973304 990 24,606 SH   SOLE 0 0 24,606
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 3,009 35,912 SH   SOLE 0 0 35,912
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,318 13,723 SH   SOLE 0 0 13,723
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 2,769 30,442 SH   SOLE 0 0 30,442
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 7,146 85,632 SH   SOLE 0 0 85,632
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 5,563 69,457 SH   SOLE 0 0 69,457
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 20,880 256,769 SH   SOLE 0 0 256,769
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,848 36,459 SH   SOLE 0 0 36,459
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,150 18,451 SH   SOLE 0 0 18,451
VANGUARD INDEX FDS REIT ETF 922908553 12,059 168,026 SH   SOLE 0 0 168,026
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,042 50,777 SH   SOLE 0 0 50,777
VANGUARD INDEX FDS MID CAP ETF 922908629 7,132 63,635 SH   SOLE 0 0 63,635
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,899 22,184 SH   SOLE 0 0 22,184
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,327 15,997 SH   SOLE 0 0 15,997
VANGUARD INDEX FDS VALUE ETF 922908744 3,698 47,407 SH   SOLE 0 0 47,407
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,040 21,086 SH   SOLE 0 0 21,086
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 613 11,022 SH   SOLE 0 0 11,022
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,376 322,935 SH   SOLE 0 0 322,935
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,838 44,237 SH   SOLE 0 0 44,237
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 856 14,455 SH   SOLE 0 0 14,455
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,549 91,772 SH   SOLE 0 0 91,772
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,593 44,868 SH   SOLE 0 0 44,868
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,350 51,041 SH   SOLE 0 0 51,041
VANGUARD STAR FD VG TL INTL STK F 921909768 9,707 184,687 SH   SOLE 0 0 184,687
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,514 36,499 SH   SOLE 0 0 36,499
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 4,852 86,316 SH   SOLE 0 0 86,316
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,309 51,923 SH   SOLE 0 0 51,923
WILLIAMS COS INC DEL COM 969457100 522 12,498 SH   SOLE 0 0 12,498