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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INGERSOLL-RAND PLC COM g47791101   405 6,000 SH   DFND 1 0 0 6,000
AT&T INC COM 00206r102   968 27,234 SH   DFND 1 0 0 27,234
ABBOTT LABORATORIES COM 002824100   360 7,345 SH   DFND 1 0 0 7,345
ABBVIE INC COM 00287y109   781 11,614 SH   DFND 1 0 0 11,614
AETNA INC COM 00817y108   709 5,559 SH   DFND 1 0 0 5,559
AIR PRODUCTS AND CHEMICALS COM 009158106   447 3,263 SH   DFND 1 0 0 3,263
ALTRIA GROUP COM 02209s103   289 5,902 SH   DFND 1 0 0 5,902
APPLE INC COM 037833100   459 3,661 SH   DFND 1 0 0 3,661
AUTOMATIC DATA PROCESSING COM 053015103   962 12,001 SH   DFND 1 0 0 12,001
BANCO SANTANDER SA ADR 05964h105   784 111,778 SH   DFND 1 0 0 111,778
BLACKSTONE GROUP LP COM UNIT LTD 09253u108   940 23,005 SH   DFND 1 0 0 23,005
BLACKROCK ENHAN CAP AND INC COM 09256a109   1,649 112,414 SH   DFND 1 0 0 112,414
BRISTOL MYERS SQUIBB CO COM 110122108   257 3,856 SH   DFND 1 0 0 3,856
CSX CORP COM 126408103   201 6,154 SH   DFND 1 0 0 6,154
CVS HEALTH CORP COM 126650100   906 8,642 SH   DFND 1 0 0 8,642
CHAMBERS STREET PROPERTIES COM 157842105   79 10,000 SH   DFND 1 0 0 10,000
CHUBB CORP COM 171232101   415 4,370 SH   DFND 1 0 0 4,370
CISCO SYSTEMS INC COM 17275r102   780 28,416 SH   DFND 1 0 0 28,416
CLOROX CO COM 189054109   520 4,995 SH   DFND 1 0 0 4,995
CONOCOPHILLIPS COM 20825c104   1,235 20,120 SH   DFND 1 0 0 20,120
CONSOLIDATED EDISON INC COM 209115104   464 8,025 SH   DFND 1 0 0 8,025
DBX ETF TRUST XTRAK MSCI EMKT 233051200   609 21,273 SH   DFND 1 0 0 21,273
DBX ETF TRUST ST KOREA HD FD 233051812   286 12,234 SH   DFND 1 0 0 12,234
DISNEY WALT CO COM 254687106   720 6,311 SH   DFND 1 0 0 6,311
DOW CHEMICAL CO COM 260543103   200 3,914 SH   DFND 1 0 0 3,914
DUPONT E I DE NEMOURS & CO COM 263534109   1,449 22,665 SH   DFND 1 0 0 22,665
EAST WEST BANCORP INC COM 27579r104   359 8,000 SH   DFND 1 0 0 8,000
EMERSON ELECTRIC CO COM 291011104   655 11,813 SH   DFND 1 0 0 11,813
ENTERGY CORP COM 29364g103   611 8,662 SH   DFND 1 0 0 8,662
EXELON CORP COM 30161n101   753 23,959 SH   DFND 1 0 0 23,959
EXXON MOBIL CORP COM 30231g102   784 9,413 SH   DFND 1 0 0 9,413
FIDUCIARY CLAYMOORE MLP OPPORT COM 31647q106   306 13,736 SH   DFND 1 0 0 13,736
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738d101   203 7,997 SH   DFND 1 0 0 7,997
GENERAL ELECTRIC CO COM 369604103   1,502 56,537 SH   DFND 1 0 0 56,537
GENERAL MILLS INC COM 370334104   442 7,928 SH   DFND 1 0 0 7,928
HCP INC COM 40414l109   779 21,365 SH   DFND 1 0 0 21,365
HALLIBURTON CO COM 406216101   373 8,674 SH   DFND 1 0 0 8,674
HARLEY DAVIDSON INC COM 412822108   338 6,000 SH   DFND 1 0 0 6,000
HARTFORD FINANCIAL SERVICES GR COM 416515104   332 7,995 SH   DFND 1 0 0 7,995
HONEYWELL INTL INC COM 438516106   557 5,463 SH   DFND 1 0 0 5,463
IAC INTERACTIVE CORP COM PAR .001 44919p508   358 4,500 SH   DFND 1 0 0 4,500
INTEL CORP COM 458140100   347 11,434 SH   DFND 1 0 0 11,434
INTERNATIONAL BUSINESS MACHINE COM 459200101   244 1,500 SH   DFND 1 0 0 1,500
ISHARES CNTRY MIN VL ETF 464286525   4,432 63,596 SH   DFND 1 0 0 63,596
ISHARES EM MKT MINVOL ETF 464286533   251 4,352 SH   DFND 1 0 0 4,352
ISHARES TR CORE US AGGBD ETF 464287226   46,374 426,310 SH   DFND 1 0 0 426,310
ISHARES TR MSCI EMG MKT ETF 464287234   261 6,600 SH   DFND 1 0 0 6,600
ISHARES TR IBOXX INV CP ETF 464287242   766 6,620 SH   DFND 1 0 0 6,620
ISHARES TR RUS MD CP GR ETF 464287481   271 2,800 SH   DFND 1 0 0 2,800
ISHARES TR CORE S&P MCP ETF 464287507   34,447 229,679 SH   DFND 1 0 0 229,679
ISHARES TR COHEN&STEER REIT 464287564   1,203 13,430 SH   DFND 1 0 0 13,430
ISHARES TR RUSS 1000 ETF 464287622   10,776 92,864 SH   DFND 1 0 0 92,864
ISHARES TR CORE S&P SCP ETF 464287804   15,445 131,021 SH   DFND 1 0 0 131,021
ISHARES TR EUROPE ETF 464287861   12,291 281,049 SH   DFND 1 0 0 281,049
ISHARES MBS ETF 464288588   14,653 134,894 SH   DFND 1 0 0 134,894
ISHARES INTERM CR BD ETF 464288638   9,504 87,305 SH   DFND 1 0 0 87,305
ISHARES 1-3 YR CR BD ETF 464288646   5,058 48,023 SH   DFND 1 0 0 48,023
ISHARES 3-7 YR TR BD ETF 464288661   1,252 10,190 SH   DFND 1 0 0 10,190
ISHARES US PFD STK ETF 464288687   9,754 249,016 SH   DFND 1 0 0 249,016
ISHARES TR USA MIN VOL ETF 46429b697   3,685 91,389 SH   DFND 1 0 0 91,389
ISHARES HDG MSCI EAFE 46434v803   1,050 38,454 SH   DFND 1 0 0 38,454
JPMORGAN CHASE & CO COM 46625h100   481 7,094 SH   DFND 1 0 0 7,094
KKR & CO LP DE COM UNITS 48248m102   863 37,767 SH   DFND 1 0 0 37,767
KAYNE ANDERSON MLP INVESTMENT COM 486606106   228 7,431 SH   DFND 1 0 0 7,431
KELLOGG CO COM 487836108   201 3,200 SH   DFND 1 0 0 3,200
KIMBERLY CLARK CORP COM 494368103   1,105 10,430 SH   DFND 1 0 0 10,430
KINDER MORGAN INC COM 49456b101   921 23,984 SH   DFND 1 0 0 23,984
KRAFT FOODS GROUP INC COM 50076q106   241 2,833 SH   DFND 1 0 0 2,833
LEGGETT & PLATT INC COM 524660107   601 12,336 SH   DFND 1 0 0 12,336
ELI LILLY & CO COM 532457108   988 11,844 SH   DFND 1 0 0 11,844
LOCKHEED MARTIN CORP COM 539830109   345 1,857 SH   DFND 1 0 0 1,857
MARKET VECTORS ETF TR HG MUNI YLD ETF 57060u878   1,798 60,141 SH   DFND 1 0 0 60,141
MATTEL INC COM 577081102   570 22,185 SH   DFND 1 0 0 22,185
MCDONALDS CORP COM 580135101   638 6,711 SH   DFND 1 0 0 6,711
MERCK & CO INC COM 58933y105   226 3,977 SH   DFND 1 0 0 3,977
MICROSOFT CORP COM 594918104   936 21,213 SH   DFND 1 0 0 21,213
MONDELEZ INTL INC COM 609207105   345 8,390 SH   DFND 1 0 0 8,390
NORFOLK SOUTHERN CORP COM 655844108   822 9,416 SH   DFND 1 0 0 9,416
NUCOR CORP COM 670346105   745 16,900 SH   DFND 1 0 0 16,900
OMNICARE INC COM 681904108   471 5,000 SH   DFND 1 0 0 5,000
PPG INDUSTRIES INC COM 693506107   642 5,600 SH   DFND 1 0 0 5,600
PEPSICO INC COM 713448108   582 6,237 SH   DFND 1 0 0 6,237
PFIZER INC COM 717081103   1,165 34,730 SH   DFND 1 0 0 34,730
PHILIP MORRIS INTL INC COM 718172109   273 3,399 SH   DFND 1 0 0 3,399
PIMCO ETF TR 0-5 HIGH YIELD 72201r783   620 6,205 SH   DFND 1 0 0 6,205
POTASH CORP SASKATCHEWAN INC COM 73755l107   767 24,768 SH   DFND 1 0 0 24,768
POWERSHARES QQQ TRUST UNIT SER 1 73935a104   658 6,141 SH   DFND 1 0 0 6,141
POWERSHARES ETF TRUST FTSE US 1500 SM 73935x567   536 5,165 SH   DFND 1 0 0 5,165
POWERSHARES ETF TRUST FTSE RAFI 1000 73935x583   2,935 32,363 SH   DFND 1 0 0 32,363
POWERSHARES GLOBAL ETF TR SOVEREIGN DEBT 73936t573   368 13,272 SH   DFND 1 0 0 13,272
POWERSHARES GLOBAL ETF TR EMER MKT PORT 73936t763   765 39,751 SH   DFND 1 0 0 39,751
POWERSHARES GLOBAL ETF TR DEV MKTS EX-US 73936t789   649 15,940 SH   DFND 1 0 0 15,940
POWERSHARES ETF TR II S&P 500 HGH BET 73937b829   319 9,499 SH   DFND 1 0 0 9,499
QUALCOMM INC COM 747525103   288 4,593 SH   DFND 1 0 0 4,593
SPDR S&P 500 ETF TR TR UNIT 78462f103   64,617 313,904 SH   DFND 1 0 0 313,904
SPDR SERIES TR BRC HIGH YLD BD 78464a417   26,677 694,160 SH   DFND 1 0 0 694,160
SPDR SERIES TR DJ REIT ETF 78464a607   214 2,538 SH   DFND 1 0 0 2,538
SPDR SERIES TR S&P REGL BKG 78464a698   265 6,000 SH   DFND 1 0 0 6,000
SPDR SERIES TR S&P CAP MKTS 78464a771   381 7,500 SH   DFND 1 0 0 7,500
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467v848   896 18,081 SH   DFND 1 0 0 18,081
SCHLUMBERGER LTD COM 806857108   307 3,568 SH   DFND 1 0 0 3,568
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209   6,888 92,599 SH   DFND 1 0 0 92,599
SELECT SECTOR SPDR TR SBI CONS STPLS 81369y308   5,138 107,940 SH   DFND 1 0 0 107,940
SPECTRA ENERGY CORP COM 847560109   940 28,832 SH   DFND 1 0 0 28,832
STRYKER CORP COM 863667101   499 5,222 SH   DFND 1 0 0 5,222
SYSCO CORP COM 871829107   1,431 39,641 SH   DFND 1 0 0 39,641
TEXAS INSTRUMENTS INC COM 882508104   402 7,800 SH   DFND 1 0 0 7,800
TORTOISE ENERGY INFRASTRUCTURE COM 89147l100   1,392 37,723 SH   DFND 1 0 0 37,723
UNION PACIFIC CORP COM 907818108   471 4,944 SH   DFND 1 0 0 4,944
UNITED HEALTH GROUP INC COM 91324p102   235 1,925 SH   DFND 1 0 0 1,925
VANGUARD BD INDEX FD INC TOTAL BOND MKT 921937835   1,420 17,476 SH   DFND 1 0 0 17,476
VANGUARD TAX MGD INTL FUND FTSE DEV MKT ETF 921943858   30,421 797,663 SH   DFND 1 0 0 797,663
VANGUARD INTL EQUITY IND FD FTSE EMR MKET ETF 922042858   13,859 339,018 SH   DFND 1 0 0 339,018
VANGUARD INDEX FUNDS MCAP GR IDXVIP 922908538   568 5,331 SH   DFND 1 0 0 5,331
VANGUARD INDEX FUNDS REIT ETF 922908553   657 8,800 SH   DFND 1 0 0 8,800
VANGUARD INDEX FUNDS SM CAP VAL ETF 922908611   224 2,078 SH   DFND 1 0 0 2,078
VANGUARD INDEX FUNDS LARGE CAP ETF 922908637   255 2,688 SH   DFND 1 0 0 2,688
VANGUARD INDEX FUNDS GROWTH ETF 922908736   1,398 13,056 SH   DFND 1 0 0 13,056
VANGUARD INDEX FUNDS VALUE ETF 922908744   1,290 15,481 SH   DFND 1 0 0 15,481
VERIZON COMMUNICATIONS INC COM 92343v104   1,058 22,700 SH   DFND 1 0 0 22,700
WEC ENERGY GROUP INC COM 92939u106   360 8,000 SH   DFND 1 0 0 8,000
WILLIAMS COS INC COM 969457100   1,666 29,027 SH   DFND 1 0 0 29,027
WISDOM TREE TR JAPAN HEDGED EQ 97717w851   646 11,289 SH   DFND 1 0 0 11,289
WISDOM TREE TR EUROPE HEDGED EQ 97717x701   765 12,427 SH   DFND 1 0 0 12,427