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
ISHARES MRNGSTR LG-CP GR 464287119 3 24 SH   SOLE   0 0 24
ISHARES TIPS BD ETF 464287176 139,200 1,242,748 SH   SOLE   0 0 1,242,748
ISHARES S&P 500 GRWT ETF 464287309 7,381 66,139 SH   SOLE   0 0 66,139
ISHARES S&P 500 VAL ETF 464287408 8,254 88,023 SH   SOLE   0 0 88,023
ISHARES 7-10 Y TR BD ETF 464287440 34,425 324,791 SH   SOLE   0 0 324,791
ISHARES 1-3 YR TR BD ETF 464287457 232,954 2,758,479 SH   SOLE   0 0 2,758,479
ISHARES MSCI EAFE ETF 464287465 108,675 1,786,249 SH   SOLE   0 0 1,786,249
ISHARES RUS MDCP VAL ETF 464287473 2,764 37,473 SH   SOLE   0 0 37,473
ISHARES RUS MD CP GR ETF 464287481 128,206 1,375,162 SH   SOLE   0 0 1,375,162
ISHARES COHEN&STEER REIT 464287564 79 813 SH   SOLE   0 0 813
ISHARES RUS 1000 VAL ETF 464287598 18,919 181,212 SH   SOLE   0 0 181,212
ISHARES RUS 1000 GRW ETF 464287614 1,532 16,028 SH   SOLE   0 0 16,028
ISHARES RUS 2000 VAL ETF 464287630 47,911 471,195 SH   SOLE   0 0 471,195
ISHARES RUS 2000 GRW ETF 464287648 50,027 351,364 SH   SOLE   0 0 351,364
ISHARES S&P MC 400VL ETF 464287705 58 452 SH   SOLE   0 0 452
ISHARES U.S. REAL ES ETF 464287739 1 12 SH   SOLE   0 0 12
ISHARES SP SMCP600VL ETF 464287879 988 8,376 SH   SOLE   0 0 8,376
ISHARES SP SMCP600GR ETF 464287887 2,385 19,487 SH   SOLE   0 0 19,487
ISHARES INTL TREA BD ETF 464288117 5,796 59,886 SH   SOLE   0 0 59,886
ISHARES 3YRTB ETF 464288125 4 46 SH   SOLE   0 0 46
ISHARES EAFE SML CP ETF 464288273 13,537 289,814 SH   SOLE   0 0 289,814
ISHARES JP MOR EM MK ETF 464288281 64,236 585,511 SH   SOLE   0 0 585,511
ISHARES MRGSTR MD CP GRW 464288307 1 4 SH   SOLE   0 0 4
ISHARES GLB INFRASTR ETF 464288372 18,840 446,983 SH   SOLE   0 0 446,983
ISHARES INTL DEVPPTY ETF 464288422 9,464 261,232 SH   SOLE   0 0 261,232
ISHARES IBOXX HI YD ETF 464288513 1,601 17,867 SH   SOLE   0 0 17,867
ISHARES MBS ETF 464288588 344,171 3,148,289 SH   SOLE   0 0 3,148,289
ISHARES INTRM GOV/CR ETF 464288612 532,507 4,812,536 SH   SOLE   0 0 4,812,536
ISHARES 1-3 YR CR BD ETF 464288646 74 699 SH   SOLE   0 0 699
ISHARES 10-20 YR TRS ETF 464288653 1,859 13,754 SH   SOLE   0 0 13,754
ISHARES 3-7 YR TR BD ETF 464288661 1,609 13,151 SH   SOLE   0 0 13,151
ISHARES SHRT TRS BD ETF 464288679 6,574 59,631 SH   SOLE   0 0 59,631
ISHARES MRNING SM CP ETF 464288703 3 25 SH   SOLE   0 0 25
ISHARES MICRO-CAP ETF 464288869 8,526 110,760 SH   SOLE   0 0 110,760
PIMCO ETF TR BROAD US TIPS 72201R403 8 132 SH   SOLE   0 0 132
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 5 278 SH   SOLE   0 0 278
POWERSHARES ETF TRUST GBL LSTD PVT EQT 73935X195 3,951 359,869 SH   SOLE   0 0 359,869
POWERSHARES ETF TRUST DYNM LRG CP VL 73935X708 264 8,427 SH   SOLE   0 0 8,427
POWERSHARES ETF TRUST ZACKS MC PRTFL 73935X740 4 258 SH   SOLE   0 0 258
POWERSHARES ETF TRUST FND PR MIDGRT PT 73935X807 341 10,764 SH   SOLE   0 0 10,764
POWERSHARES ETF TRUST FND PUR SMVAL PT 73935X864 1,355 52,130 SH   SOLE   0 0 52,130
POWERSHARES GLOBAL ETF TRUST FDM HG YLD RAFI 73936T557 5 291 SH   SOLE   0 0 291
POWERSHARES GLOBAL ETF TRUST SOVEREIGN DEBT 73936T573 26 916 SH   SOLE   0 0 916
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 24 301 SH   SOLE   0 0 301
RYDEX ETF TRUST GUG S&P MC400 PG 78355W601 18 151 SH   SOLE   0 0 151
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 13 121 SH   SOLE   0 0 121
SPDR SERIES TRUST SHRT INTL ETF 78464A334 5 141 SH   SOLE   0 0 141
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 87,455 2,265,085 SH   SOLE   0 0 2,265,085
SPDR SERIES TRUST S&P 500 VALUE 78464A508 57 562 SH   SOLE   0 0 562
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 105,885 1,913,694 SH   SOLE   0 0 1,913,694
SPDR SERIES TRUST BRCLYS INTER ETF 78464A672 25,950 432,860 SH   SOLE   0 0 432,860
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 275 2,317 SH   SOLE   0 0 2,317
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 71 832 SH   SOLE   0 0 832
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 32,874 676,690 SH   SOLE   0 0 676,690
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 62,368 912,073 SH   SOLE   0 0 912,073
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 30,955 638,376 SH   SOLE   0 0 638,376
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 13,838 191,793 SH   SOLE   0 0 191,793
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 33,201 419,418 SH   SOLE   0 0 419,418
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 27,191 1,099,508 SH   SOLE   0 0 1,099,508
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 13,611 240,559 SH   SOLE   0 0 240,559
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 90,500 2,188,622 SH   SOLE   0 0 2,188,622
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 19,217 406,976 SH   SOLE   0 0 406,976
VANGUARD WORLD FD MEGA GRWTH IND 921910816 11,189 137,682 SH   SOLE   0 0 137,682
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 52,524 557,167 SH   SOLE   0 0 557,167
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 14,032 165,711 SH   SOLE   0 0 165,711
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 72,947 912,412 SH   SOLE   0 0 912,412
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 82,528 1,001,919 SH   SOLE   0 0 1,001,919
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 271,523 7,167,983 SH   SOLE   0 0 7,167,983
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 36 530 SH   SOLE   0 0 530
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 30,252 565,255 SH   SOLE   0 0 565,255
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 67,186 704,917 SH   SOLE   0 0 704,917
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 256,467 6,408,470 SH   SOLE   0 0 6,408,470
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 35 440 SH   SOLE   0 0 440
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 27,159 284,242 SH   SOLE   0 0 284,242
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 293 5,526 SH   SOLE   0 0 5,526
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 267 3,099 SH   SOLE   0 0 3,099
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 160,678 1,796,688 SH   SOLE   0 0 1,796,688
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 31,447 309,483 SH   SOLE   0 0 309,483
VANGUARD INDEX FDS REIT ETF 922908553 44,894 554,242 SH   SOLE   0 0 554,242
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,955 15,524 SH   SOLE   0 0 15,524
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,796 16,985 SH   SOLE   0 0 16,985
VANGUARD INDEX FDS GROWTH ETF 922908736 456,699 4,374,931 SH   SOLE   0 0 4,374,931
VANGUARD INDEX FDS VALUE ETF 922908744 438,036 5,184,474 SH   SOLE   0 0 5,184,474