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
FIRST TR S&P REIT INDEX FD COM 33734G108 5,151 288,436 SH   SOLE 288,436 0 0
INDEXIQ ETF TR IQ HEDGMKT NUT 45409B503 5,931 233,323 SH   SOLE 233,323 0 0
INDEXIQ ETF TR IQ REAL RTN ETF 45409B602 11,777 455,534 SH   SOLE 455,534 0 0
ISHARES 1-3 YR CR BD ETF 464288646 23,330 221,598 SH   SOLE 221,598 0 0
ISHARES EM MK MINVOL ETF 464286533 4,715 80,288 SH   SOLE 80,288 0 0
ISHARES MSCI HONG KG ETF 464286871 1,437 71,718 SH   SOLE 71,718 0 0
ISHARES MSCI JAPAN ETF 464286848 693 58,150 SH   SOLE 58,150 0 0
ISHARES MSCI MALAYSI ETF 464286830 1,464 97,373 SH   SOLE 97,373 0 0
ISHARES MSCI SINGAP ETF 464286673 1,395 104,505 SH   SOLE 104,505 0 0
ISHARES MSCI SPAN CP ETF 464286764 3,041 87,505 SH   SOLE 87,505 0 0
ISHARES MSCI SWEDEN ETF 464286756 1,418 41,413 SH   SOLE 41,413 0 0
ISHARES NW ZEALND CP ETF 464289123 1,533 39,856 SH   SOLE 39,856 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 6,158 116,108 SH   SOLE 116,108 0 0
PIMCO ETF TR INTER MUN BD ST 72201R866 11,675 223,840 SH   SOLE 223,840 0 0
PIMCO ETF TR TOTL RETN ETF 72201R775 5,833 55,095 SH   SOLE 55,095 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 17,558 269,296 SH   SOLE 269,296 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,005 81,543 SH   SOLE 81,543 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,168 202,959 SH   SOLE 202,959 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,938 217,527 SH   SOLE 217,527 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,000 57,784 SH   SOLE 57,784 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,049 42,499 SH   SOLE 42,499 0 0
SPDR INDEX SHS FDS CONSM SPLS ETF 78463X723 2,866 73,644 SH   SOLE 73,644 0 0
SPDR INDEX SHS FDS INTL HLTH ETF 78463X681 3,638 87,184 SH   SOLE 87,184 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 3,826 96,031 SH   SOLE 96,031 0 0
SPDR SERIES TRUST DB INT GVT ETF 78464A490 4,401 73,862 SH   SOLE 73,862 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 25,229 1,041,646 SH   SOLE 1,041,646 0 0
SPDR SERIES TRUST S&P 600 SML CAP 78464A813 5,891 61,471 SH   SOLE 61,471 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,419 52,874 SH   SOLE 52,874 0 0
WENDYS CO COM 95058W100 593 69,880 SH   SOLE 69,880 0 0