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
APPLE INC COM 037833100 621 5,897 SH   SOLE 0 0 5,897
AT&T INC COM 00206R102 200 5,802 SH   SOLE 0 0 5,802
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 341 2,585 SH   SOLE 0 0 2,585
CENTRAL FD CDA LTD CL A 153501101 109 10,872 SH   SOLE 0 0 10,872
CLAYMORE EXCHANGE TRD FD TR GUGG TIMBER ETF 18383Q879 49,681 2,146,378 SH   SOLE 1,010,265 0 1,136,113
DISNEY WALT CO COM DISNEY 254687106 236 2,246 SH   SOLE 0 0 2,246
EXXON MOBIL CORP COM 30231G102 236 3,024 SH   SOLE 0 0 3,024
FLEXSHARES TR MORNSTAR UPSTR 33939L407 124,569 5,709,625 SH   SOLE 3,293,783 0 2,415,842
FLEXSHARES TR IBOXX 3R TARGT 33939L506 233,129 9,624,418 SH   SOLE 4,107,133 0 5,517,285
GENERAL ELECTRIC CO COM 369604103 328 10,523 SH   SOLE 0 0 10,523
ILLUMINA INC COM 452327109 571 2,976 SH   SOLE 0 0 2,976
ISHARES 17 AMT-FREE ETF 464289271 483 17,653 SH   SOLE 0 0 17,653
ISHARES 16 AMT-FREE ETF 464289313 484 18,250 SH   SOLE 0 0 18,250
ISHARES TR CORE S&P TTL STK 464287150 13,106 141,137 SH   SOLE 0 0 141,137
ISHARES TR SELECT DIVID ETF 464287168 609 8,100 SH   SOLE 0 0 8,100
ISHARES TR MSCI EMG MKT ETF 464287234 1,046 32,495 SH   SOLE 0 0 32,495
ISHARES TR IBOXX INV CP ETF 464287242 185,118 1,619,945 SH   SOLE 952,067 0 667,878
ISHARES TR S&P 500 GRWT ETF 464287309 407,763 3,581,463 SH   SOLE 2,263,001 0 1,318,462
ISHARES TR S&P 500 VAL ETF 464287408 441,506 5,061,986 SH   SOLE 3,128,037 0 1,933,949
ISHARES TR 1-3 YR TR BD ETF 464287457 56,481 669,041 SH   SOLE 370,013 0 299,028
ISHARES TR CORE S&P MCP ETF 464287507 314,082 2,292,859 SH   SOLE 1,476,470 0 816,389
ISHARES TR CORE S&P SCP ETF 464287804 311,128 2,887,275 SH   SOLE 1,956,682 0 930,593
ISHARES TR SHT NTLAMTFR ETF 464288158 417 3,939 SH   SOLE 0 0 3,939
ISHARES TR NAT AMT FREE BD 464288414 1,188 10,734 SH   SOLE 0 0 10,734
ISHARES TR IBOXX HI YD ETF 464288513 164,970 2,053,177 SH   SOLE 1,438,916 0 614,261
ISHARES TR 3-7 YR TR BD ETF 464288661 133,844 1,088,249 SH   SOLE 626,259 0 461,990
ISHARES TR U.S. PFD STK ETF 464288687 464 11,943 SH   SOLE 0 0 11,943
ISHARES TR 18 AMT-FREE ETF 46429B580 430 16,851 SH   SOLE 0 0 16,851
ISHARES TR FLTG RATE BD ETF 46429B655 17,629 349,604 SH   SOLE 239,102 0 110,502
JOHNSON & JOHNSON COM 478160104 247 2,400 SH   SOLE 0 0 2,400
MCDONALDS CORP COM 580135101 289 2,445 SH   SOLE 0 0 2,445
PIMCO ETF TR 1-5 US TIP IDX 72201R205 101,097 1,968,416 SH   SOLE 1,943,196 0 25,220
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 6,189 67,553 SH   SOLE 1,243 0 66,310
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,890 48,599 SH   SOLE 1,133 0 47,466
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 57,908 2,590,153 SH   SOLE 1,390,435 0 1,199,718
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 444 11,508 SH   SOLE 0 0 11,508
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 352 8,124 SH   SOLE 0 0 8,124
SHERWIN WILLIAMS CO COM 824348106 4,252 16,380 SH   SOLE 0 0 16,380
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 362 2,082 SH   SOLE 0 0 2,082
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,491 46,441 SH   SOLE 0 0 46,441
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 568 12,132 SH   SOLE 0 0 12,132
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 114,822 2,968,734 SH   SOLE 1,933,260 0 1,035,474
SPDR SER TR SHT TRM HGH YLD 78468R408 1,039 40,440 SH   SOLE 0 0 40,440
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 489 2,836 SH   SOLE 0 0 2,836
SPDR SERIES TRUST BRC CNV SECS ETF 78464A359 257 5,931 SH   SOLE 0 0 5,931
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 411 16,892 SH   SOLE 0 0 16,892
SPDR SERIES TRUST NUVN BRCLY MUNI 78464A458 1,266 51,918 SH   SOLE 0 0 51,918
SPDR SERIES TRUST BARC SHT TR CP 78464A474 117,503 3,862,138 SH   SOLE 2,360,536 0 1,501,602
SPDR SERIES TRUST DB INT GVT ETF 78464A490 296 5,881 SH   SOLE 0 0 5,881
SPDR SERIES TRUST DJ REIT ETF 78464A607 92,854 1,011,742 SH   SOLE 618,320 0 393,422
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 5,978 75,129 SH   SOLE 0 0 75,129
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 33,820 637,394 SH   SOLE 409,307 0 228,087
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,542 18,402 SH   SOLE 0 0 18,402
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,462 14,015 SH   SOLE 0 0 14,015
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 75,181 823,918 SH   SOLE 523,853 0 300,065
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 484,728 11,437,926 SH   SOLE 7,511,196 0 3,926,730
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 167,570 5,276,392 SH   SOLE 3,511,319 0 1,765,073
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 350 4,506 SH   SOLE 0 0 4,506
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,236 88,119 SH   SOLE 0 0 88,119
VANGUARD WORLD FDS ENERGY ETF 92204A306 24,635 307,174 SH   SOLE 304,114 0 3,060
VANGUARD WORLD FDS INF TECH ETF 92204A702 215 1,987 SH   SOLE 0 0 1,987
VANGUARD WORLD FDS MATERIALS ETF 92204A801 24,137 266,918 SH   SOLE 265,555 0 1,363
WISDOMTREE TR EMG MKTS SMCAP 97717W281 5,183 153,493 SH   SOLE 153,493 0 0
WISDOMTREE TR LARGECAP DIVID 97717W307 252 3,538 SH   SOLE 0 0 3,538
WISDOMTREE TR INTL EQUITY FD 97717W703 214 4,595 SH   SOLE 0 0 4,595
WISDOMTREE TR EM LCL DEBT FD 97717X867 97,189 2,868,971 SH   SOLE 1,757,289 0 1,111,682