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
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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
BLACKROCK LOW DURATION BOND FUND INST CL COM 09260B465 254 26,395 SH   SOLE   26,395 0 0
CAUSEWAY EMRG MKTS FD INSTL SHR CL COM 149498107 104 8,423 SH   SOLE   8,423 0 0
DELAWARE VALUE CL INST COM 24610C857 57 2,680 SH   SOLE   2,680 0 0
ETRACS BLOOMBERG CMCI ETN COM 902641778 9,824 679,431 SH   SOLE   679,431 0 0
FIDELITY NASDAQ COMPOSITE INDEX FUND COM 315912709 1 12 SH   SOLE   12 0 0
FLEXSHAR STX GLOBAL BROAD INF ETF COM 33939L795 26,094 511,652 SH   SOLE   511,652 0 0
FLEXSHARES QUAL DIV ETF COM 33939L860 17,874 398,454 SH   SOLE   398,454 0 0
GOLDMAN SACHS PRIME OBLIGATIONS FUND COM 38141W364 10,749 10,742,240 SH   SOLE   10,742,240 0 0
HARDING LOEVNER INTL EQTY PORT INST COM 412295107 107 4,780 SH   SOLE   4,780 0 0
HARTFORD MIDCAP I COM 41664M870 33 1,071 SH   SOLE   1,071 0 0
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODIT COM 46090F100 9,205 562,315 SH   SOLE   562,315 0 0
ISHARES BARCLAYS 1-3 YEAR CR COM 464288646 200 3,750 SH   SOLE   3,750 0 0
ISHARES BARCLAYS TIPS ETF COM 464287176 64 557 SH   SOLE   557 0 0
ISHARES CORE INTL STOCK ETF COM 46432F834 4,414 75,289 SH   SOLE   75,289 0 0
ISHARES CORE S&P MIDCAP 400 ETF COM 464287507 70,427 362,545 SH   SOLE   362,545 0 0
ISHARES ETF CORE MSCI EAFE COM 46432F842 54,857 893,440 SH   SOLE   893,440 0 0
ISHARES ETF CORE MSCI EMERGING MKTS COM 46434G103 44,127 857,847 SH   SOLE   857,847 0 0
ISHARES GLOBAL REIT ETF COM 46434V647 1,348 50,573 SH   SOLE   50,573 0 0
ISHARES INTERMEDIATE GOVERMENT/CREDIT COM 464288612 8,572 76,345 SH   SOLE   76,345 0 0
ISHARES LEHMAN AGG BOND ETF COM 464287226 6,567 58,984 SH   SOLE   58,984 0 0
ISHARES MSCI EAFE INDEX FUND COM 464287465 46,621 709,285 SH   SOLE   709,285 0 0
ISHARES MSCI JAPAN ETF COM 464286848 44 807 SH   SOLE   807 0 0
ISHARES MSCI USA MIN VOLATILITY ETF COM 46429B697 12,613 204,327 SH   SOLE   204,327 0 0
ISHARES RUSSELL 1000 COM 464287614 95 608 SH   SOLE   608 0 0
ISHARES RUSSELL 1000 VALUE ETF COM 464287598 50 399 SH   SOLE   399 0 0
ISHARES RUSSELL 2000 GWTH INDEX CLOSED-END COM 464287648 16 80 SH   SOLE   80 0 0
ISHARES RUSSELL 2000 SMALL CAP GROWTH ETF COM 464287655 345 2,225 SH   SOLE   2,225 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630 15 125 SH   SOLE   125 0 0
ISHARES S&P 500 INDEX FUND COM 464287200 4,017 13,629 SH   SOLE   13,629 0 0
ISHARES S&P 500/BARRA VALUE COM 464287408 1,160 9,954 SH   SOLE   9,954 0 0
ISHARES S&P SMALLCAP 600 INDEX ETF COM 464287804 38,004 485,490 SH   SOLE   485,490 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679 4,277 38,659 SH   SOLE   38,659 0 0
ISHARES TOTAL US STOCK MARKET ETF COM 464287150 12,023 180,451 SH   SOLE   180,451 0 0
JANUS HENDERSON US MGD VOL-1 #1126 COM 47103A716 3,860 339,873 SH   SOLE   339,873 0 0
JHANCOCK INTL GROWTH CL I COM 47803T627 73 2,607 SH   SOLE   2,607 0 0
JP MORGAN SMALL CAP EQUITY SELECT FUND COM 4812A1373 971 16,648 SH   SOLE   16,648 0 0
JPMORGAN BETABUILDERS CANADA ETF COM 46641Q696 588 23,670 SH   SOLE   23,670 0 0
JPMORGAN BETABUILDERS MSCI US REIT ETF COM 46641Q738 35,509 422,633 SH   SOLE   422,633 0 0
JPMORGAN VALUE ADVANTAGE SLCT COM 4812a2595 91 2,575 SH   SOLE   2,575 0 0
LOOMIS SAYLES GROWTH FD CL Y COM 543487110 17 981 SH   SOLE   981 0 0
METROPOLITAN WEST TOTAL RETURN BOND I COM 592905509 99 9,135 SH   SOLE   9,135 0 0
NORTHERN MID CAP INDEX FUND COM 665130100 1,941 104,991 SH   SOLE   104,991 0 0
OAKMARK INTL FD ADV COM 413838731 173 7,539 SH   SOLE   7,539 0 0
PIMCO SHORT TERM CL I2 COM 72201M594 139 14,291 SH   SOLE   14,291 0 0
SCH US TIPS ETF COM 808524870 7,478 132,815 SH   SOLE   132,815 0 0
SCHWAB SHORT TERM US TREASURY ETF COM 808524862 199 3,950 SH   SOLE   3,950 0 0
SPDR BARCLAYS CAPITAL ST MUNI ETF COM 78468R739 4,133 84,475 SH   SOLE   84,475 0 0
SPDR PORTFOLIO INTERMEDIATE COM 78464A375 461 13,200 SH   SOLE   13,200 0 0
SPDR S&P 500 ETF COM 78462F103 106,506 363,503 SH   SOLE   363,503 0 0
VANGUARD 500 INDEX FUND COM 922908710 7,268 26,783 SH   SOLE   26,783 0 0
VANGUARD FTSE ALL-WORLD EX-U ETF COM 922042775 25 500 SH   SOLE   500 0 0
VANGUARD HIGH DVD YIELD ETF COM 921946406 414 4,741 SH   SOLE   4,741 0 0
VANGUARD INST'L S&P500 INDEX FUND COM 922040100 41,646 156,385 SH   SOLE   156,385 0 0
VANGUARD INT. TERM INV. GRADE-ADMIRAL SHS COM 922031810 1 111 SH   SOLE   111 0 0
VANGUARD INTM TRM T/E FD-ADM FUND COM 922907878 22,249 1,548,319 SH   SOLE   1,548,319 0 0
VANGUARD REIT ETF COM 922908553 267 3,060 SH   SOLE   3,060 0 0
VANGUARD S/T CORP BOND ETF COM 92206C409 648 8,040 SH   SOLE   8,040 0 0
VANGUARD SHORT-TERM BOND ETF COM 921937827 164 2,044 SH   SOLE   2,044 0 0
VANGUARD SHORT-TERM TAX-EXEMPT FUND COM 922907803 1,064 67,266 SH   SOLE   67,266 0 0
VANGUARD SHORT-TERM TIPS ETF COM 922020805 30,939 627,324 SH   SOLE   627,324 0 0
VANGUARD TOTAL BOND MARKET ETF COM 921937835 87,469 1,052,956 SH   SOLE   1,052,956 0 0
VANGUARD TOTAL INTL BOND ETF COM 92203J407 20,529 358,289 SH   SOLE   358,289 0 0
VANGUARD TOTAL STOCK MKT ETF COM 922908769 58 387 SH   SOLE   387 0 0
WESTERN ASSET CORE PLUS BD-I COM 957663503 99 8,394 SH   SOLE   8,394 0 0
WF SPEC MID CAP VAL-INST COM 949915482 32 829 SH   SOLE   829 0 0
WISDOMTREE MIDCAP DVD FUND COM 97717W505 278 7,700 SH   SOLE   7,700 0 0
WISDOMTREE SMALLCAP DVD FUND COM 97717W604 141 5,230 SH   SOLE   5,230 0 0