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 Russell 3000 Index ETF 464287689 25,591 199,631 SH   SOLE   180,151 0 19,480
iShares US Momentum ETF ETF 46432f396 11,280 145,790 SH   SOLE   133,784 0 12,006
Jm Smucker Co New COM 832696405 2,456 18,118 SH   SOLE   18,118 0 0
Vanguard Total International S ETF 921909768 10,849 229,800 SH   SOLE   205,708 0 24,092
iShares Lehman Short Treasury ETF 464288679 657 5,951 SH   SOLE   5,951 0 0
iShares S&P National Muni Bond ETF 464288414 14,370 127,452 SH   SOLE   105,673 0 21,779
iShares Core U.S. Aggregate Bo ETF 464287226 49,556 440,815 SH   SOLE   407,707 0 33,108
SPDR Series Trust Nuvn Brcly M ETF 78468R721 1,009 20,157 SH   SOLE   20,157 0 0
Wells Fargo & Co COM 949746101 256 5,784 SH   SOLE   5,784 0 0
VBI Vaccines Inc. COM 91790E102 43 12,484 SH   SOLE   12,484 0 0
Keycorp - New COM 493267108 139 11,454 SH   SOLE   11,454 0 0
iShares US Quality ETF ETF 46432F339 472 6,995 SH   SOLE   6,995 0 0
Midcap SPDRS ETF 78467Y107 304 1,076 SH   SOLE   1,076 0 0
Vanguard Total Int'l Bond ETF ETF 92203J407 360 6,419 SH   SOLE   0 0 6,419
iShares S&P 500 ETF 464287200 283 1,303 SH   SOLE   1,234 0 69