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 TR MRNGSTR LG-CP GR 464287119 5 47 SH   SOLE   0 0 47
ISHARES TR TIPS BD ETF 464287176 209,854 1,895,867 SH   SOLE   0 0 1,895,867
ISHARES TR S&P 500 GRWT ETF 464287309 6,471 60,026 SH   SOLE   0 0 60,026
ISHARES TR S&P 500 VAL ETF 464287408 7,901 94,031 SH   SOLE   0 0 94,031
ISHARES TR 7-10 Y TR BD ETF 464287440 32,703 303,172 SH   SOLE   0 0 303,172
ISHARES TR 1-3 YR TR BD ETF 464287457 264,646 3,113,850 SH   SOLE   0 0 3,113,850
ISHARES TR MSCI EAFE ETF 464287465 128,141 2,235,536 SH   SOLE   0 0 2,235,536
ISHARES TR RUS MDCP VAL ETF 464287473 2,640 39,352 SH   SOLE   0 0 39,352
ISHARES TR RUS MD CP GR ETF 464287481 117,392 1,324,817 SH   SOLE   0 0 1,324,817
ISHARES TR COHEN&STEER REIT 464287564 84 906 SH   SOLE   0 0 906
ISHARES TR RUS 1000 VAL ETF 464287598 18,709 200,566 SH   SOLE   0 0 200,566
ISHARES TR S&P MC 400GR ETF 464287606 22 140 SH   SOLE   0 0 140
ISHARES TR RUS 1000 GRW ETF 464287614 1,645 17,692 SH   SOLE   0 0 17,692
ISHARES TR RUS 2000 VAL ETF 464287630 49,947 554,353 SH   SOLE   0 0 554,353
ISHARES TR RUS 2000 GRW ETF 464287648 49,949 372,840 SH   SOLE   0 0 372,840
ISHARES TR CORE US VAL ETF 464287663 3 25 SH   SOLE   0 0 25
ISHARES TR S&P MC 400VL ETF 464287705 100 870 SH   SOLE   0 0 870
ISHARES TR U.S. REAL ES ETF 464287739 1 9 SH   SOLE   0 0 9
ISHARES TR SP SMCP600VL ETF 464287879 872 8,325 SH   SOLE   0 0 8,325
ISHARES TR SP SMCP600GR ETF 464287887 2,120 17,643 SH   SOLE   0 0 17,643
ISHARES INTL TREA BD ETF 464288117 3 32 SH   SOLE   0 0 32
ISHARES 3YRTB ETF 464288125 4 48 SH   SOLE   0 0 48
ISHARES EAFE SML CP ETF 464288273 61,127 1,279,620 SH   SOLE   0 0 1,279,620
ISHARES JP MOR EM MK ETF 464288281 160,709 1,510,426 SH   SOLE   0 0 1,510,426
ISHARES MRGSTR MD CP GRW 464288307 1 9 SH   SOLE   0 0 9
ISHARES GLB INFRASTR ETF 464288372 20,044 531,244 SH   SOLE   0 0 531,244
ISHARES INTL DEVPPTY ETF 464288422 10,066 288,845 SH   SOLE   0 0 288,845
ISHARES IBOXX HI YD ETF 464288513 1,565 18,786 SH   SOLE   0 0 18,786
ISHARES MBS ETF 464288588 383,751 3,500,737 SH   SOLE   0 0 3,500,737
ISHARES INTRM GOV/CR ETF 464288612 586,724 5,281,521 SH   SOLE   0 0 5,281,521
ISHARES 1-3 YR CR BD ETF 464288646 105 999 SH   SOLE   0 0 999
ISHARES 10-20 YR TRS ETF 464288653 1,669 12,162 SH   SOLE   0 0 12,162
ISHARES 3-7 YR TR BD ETF 464288661 1,827 14,654 SH   SOLE   0 0 14,654
ISHARES SHRT TRS BD ETF 464288679 6,217 56,357 SH   SOLE   0 0 56,357
ISHARES MRNING SM CP ETF 464288703 3 25 SH   SOLE   0 0 25
ISHARES MICRO-CAP ETF 464288869 8,731 125,178 SH   SOLE   0 0 125,178
ISHARES RUS TP200 GR ETF 464289438 39 793 SH   SOLE   0 0 793
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 2 92 SH   SOLE   0 0 92
PIMCO ETF TR BROAD US TIPS 72201R403 10 183 SH   SOLE   0 0 183
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 4 270 SH   SOLE   0 0 270
POWERSHARES ETF TRUST GBL LSTD PVT EQT 73935X195 4,199 399,898 SH   SOLE   0 0 399,898
POWERSHARES ETF TRUST DYNM LRG CP VL 73935X708 258 9,227 SH   SOLE   0 0 9,227
POWERSHARES ETF TRUST ZACKS MC PRTFL 73935X740 6 422 SH   SOLE   0 0 422
POWERSHARES ETF TRUST FND PR MIDGRT PT 73935X807 260 9,012 SH   SOLE   0 0 9,012
POWERSHARES ETF TRUST FND PUR SMVAL PT 73935X864 1,210 52,956 SH   SOLE   0 0 52,956
POWERSHARES GLOBAL ETF TRUST FDM HG YLD RAFI 73936T557 5 279 SH   SOLE   0 0 279
POWERSHARES GLOBAL ETF TRUST SOVEREIGN DEBT 73936T573 71 2,572 SH   SOLE   0 0 2,572
RYDEX ETF TRUST GUG S&P MC400 PG 78355W601 15 124 SH   SOLE   0 0 124
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 12 130 SH   SOLE   0 0 130
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 102,328 2,869,546 SH   SOLE   0 0 2,869,546
SPDR SERIES TRUST S&P 500 VALUE 78464A508 55 605 SH   SOLE   0 0 605
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 17,161 329,575 SH   SOLE   0 0 329,575
SPDR SERIES TRUST BRCLYS INTER ETF 78464A672 23,704 390,954 SH   SOLE   0 0 390,954
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 174 1,498 SH   SOLE   0 0 1,498
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 74 968 SH   SOLE   0 0 968
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 5,512 138,086 SH   SOLE   0 0 138,086
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 67,600 1,020,689 SH   SOLE   0 0 1,020,689
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 14,461 306,439 SH   SOLE   0 0 306,439
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 59,628 802,956 SH   SOLE   0 0 802,956
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 5,602 91,537 SH   SOLE   0 0 91,537
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 39,124 1,726,577 SH   SOLE   0 0 1,726,577
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4 77 SH   SOLE   0 0 77
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 42,862 1,085,103 SH   SOLE   0 0 1,085,103
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1 26 SH   SOLE   0 0 26
VANGUARD WORLD FD MEGA GRWTH IND 921910816 9,365 120,439 SH   SOLE   0 0 120,439
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 55,160 617,416 SH   SOLE   0 0 617,416
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 13,155 155,059 SH   SOLE   0 0 155,059
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 131,032 1,629,953 SH   SOLE   0 0 1,629,953
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 118,948 1,451,822 SH   SOLE   0 0 1,451,822
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 281,906 7,909,828 SH   SOLE   0 0 7,909,828
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 167 2,666 SH   SOLE   0 0 2,666
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 32,518 637,980 SH   SOLE   0 0 637,980
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 55,379 610,569 SH   SOLE   0 0 610,569
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 259,047 7,828,565 SH   SOLE   0 0 7,828,565
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 61 771 SH   SOLE   0 0 771
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 27,214 310,661 SH   SOLE   0 0 310,661
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 471 8,836 SH   SOLE   0 0 8,836
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 181 2,120 SH   SOLE   0 0 2,120
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 170,988 2,054,159 SH   SOLE   0 0 2,054,159
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 39,481 405,889 SH   SOLE   0 0 405,889
VANGUARD INDEX FDS REIT ETF 922908553 4,945 65,456 SH   SOLE   0 0 65,456
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,739 14,763 SH   SOLE   0 0 14,763
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,490 15,388 SH   SOLE   0 0 15,388
VANGUARD INDEX FDS GROWTH ETF 922908736 453,683 4,523,714 SH   SOLE   0 0 4,523,714
VANGUARD INDEX FDS VALUE ETF 922908744 492,796 6,420,797 SH   SOLE   0 0 6,420,797