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
AT&T INC COM 00206r102   774 23,756 SH   DFND 1 0 0 23,756
ABBVIE INC COM 00287y109   456 8,387 SH   DFND 1 0 0 8,387
AIR PRODS & CHEMS INC COM 009158106   219 1,720 SH   DFND 1 0 0 1,720
AUTOMATIC DATA PROCESSING INC COM 053015103   294 3,658 SH   DFND 1 0 0 3,658
BANCO SANTANDER SA ADR AD 05964h105   617 116,806 SH   DFND 1 0 0 116,806
BAXTER INTL INC COM 071813109   706 21,478 SH   DFND 1 0 0 21,478
BLACKSTONE GROUP LP COM UNIT LTD 09253u108   746 23,564 SH   DFND 1 0 0 23,564
BLACKROCK ENH CAP & INC FD COM 09256a109   1,449 110,382 SH   DFND 1 0 0 110,382
CVS HEALTH CORPORATION COM 126650100   360 3,735 SH   DFND 1 0 0 3,735
CHAMBERS STREET PROPERTIES COM 157842105   65 10,000 SH   DFND 1 0 0 10,000
CHUBB CORP COM 171232101   254 2,070 SH   DFND 1 0 0 2,070
CISCO SYSTEMS INC COM 17275r102   645 24,564 SH   DFND 1 0 0 24,564
CLOROX CO COM 189054109   544 4,711 SH   DFND 1 0 0 4,711
COCA-COLA CO COM 191216100   796 19,846 SH   DFND 1 0 0 19,846
CONOCOPHILLIPS COM 20825c104   839 17,493 SH   DFND 1 0 0 17,493
CONSOLIDATED EDISON INC COM 209115104   519 7,768 SH   DFND 1 0 0 7,768
DU PONT E I DE NEMOURS & CO COM 263534109   646 13,397 SH   DFND 1 0 0 13,397
DUKE ENERGY CORP COM 26441c204   578 8,039 SH   DFND 1 0 0 8,039
EMERSON ELECTRIC CO COM 291011104   512 11,597 SH   DFND 1 0 0 11,597
ENTERGY CORP COM 29364g103   549 8,438 SH   DFND 1 0 0 8,438
EXELON CORP COM 30161n101   709 23,874 SH   DFND 1 0 0 23,874
GENERAL ELECTRIC CO COM 369604103   747 29,615 SH   DFND 1 0 0 29,615
HCP INC COM 40414l109   787 21,138 SH   DFND 1 0 0 21,138
HONEYWELL INTL INC COM 438516106   249 2,634 SH   DFND 1 0 0 2,634
ISHARES CNTRY MIN VOL ETF 464286525   4,282 63,949 SH   DFND 1 0 0 63,949
ISHARES TR CORE US AGGBD ETF 464287226   45,403 414,334 SH   DFND 1 0 0 414,334
ISHARES TR CORE S&P MCP ETF 464287507   31,246 228,724 SH   DFND 1 0 0 228,724
ISHARES TR COHEN & STEER REIT 464287564   1,200 12,953 SH   DFND 1 0 0 12,953
ISHARES TR RUS 1000 ETF 464287622   9,807 91,608 SH   DFND 1 0 0 91,608
ISHARES TR CORE S&P SCP ETF 464287804   14,028 131,631 SH   DFND 1 0 0 131,631
ISHARES TR EUROPE ETF 464287861   11,168 280,623 SH   DFND 1 0 0 280,623
ISHARES TR MBS ETF 464288588   14,908 135,999 SH   DFND 1 0 0 135,999
ISHARES TR INTERM CR BD ETF 464288638   9,661 88,954 SH   DFND 1 0 0 88,954
ISHARES TR 1-3 YEAR BD ETF 464288646   5,220 49,652 SH   DFND 1 0 0 49,652
ISHARES TR US PFD STOCK ETF 464288687   10,122 262,237 SH   DFND 1 0 0 262,237
ISHARES TR USA MIN VOL ETF 46429b697   3,372 85,168 SH   DFND 1 0 0 85,168
KKR & CO LP DEL COM 48248m102   652 38,852 SH   DFND 1 0 0 38,852
KIMBERLY CLARK CORP COM 494368103   1,112 10,202 SH   DFND 1 0 0 10,202
LEGGETT & PLATT INC COM 524660107   489 11,851 SH   DFND 1 0 0 11,851
ELI LILLY & CO COM 532457108   906 10,821 SH   DFND 1 0 0 10,821
MATTEL INC COM 577081102   472 22,429 SH   DFND 1 0 0 22,429
MCDONALDS CORP COM 580135101   639 6,485 SH   DFND 1 0 0 6,485
MICROSOFT CORP COM 594918104   790 17,858 SH   DFND 1 0 0 17,858
NUCOR CORP COM 670346105   630 16,777 SH   DFND 1 0 0 16,777
PFIZER INC COM 717081103   784 24,964 SH   DFND 1 0 0 24,964
PIMCO ETF TR 0-5 HIGH YIELD 72201r783   580 6,130 SH   DFND 1 0 0 6,130
POTASH CORP SASKATCHEWAN INC COM 73755l107   525 25,552 SH   DFND 1 0 0 25,552
POWERSHARES QQQ TRUST UNIT SER 1 73935a104   320 3,141 SH   DFND 1 0 0 3,141
POWERSHARES GLOBAL ETF TRUST SOVEREIGN DEBT 73936t573   348 12,682 SH   DFND 1 0 0 12,682
SPDR S&P 500 ETF TR TR UNIT 78462f103   60,627 316,377 SH   DFND 1 0 0 316,377
SPDR SERIES TRUST BRC HGH YLD BD 78464a417   25,179 706,079 SH   DFND 1 0 0 706,079
SSGA ACTIVE ETF TR SPDR TRUST TACTIC 78467v848   230 4,639 SH   DFND 1 0 0 4,639
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209   6,029 91,025 SH   DFND 1 0 0 91,025
SELECT SECTOR SPDR TR SBI CONS STPLS 81369y308   5,101 108,090 SH   DFND 1 0 0 108,090
SPECTRA ENERGY CORP COM 847560109   722 27,502 SH   DFND 1 0 0 27,502
SYSCO CORP COM 871829107   1,125 28,860 SH   DFND 1 0 0 28,860
VANGUARD BD INDEX FUND INC TOTAL BOND MKT 921937835   246 3,004 SH   DFND 1 0 0 3,004
VANGUARD TAX MNGD INTL FD FTSE DEV MKT ETF 921943858   27,624 775,081 SH   DFND 1 0 0 775,081
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858   10,987 332,035 SH   DFND 1 0 0 332,035
VANGUARD INDEX FDS LARGE CAP ETF 922908637   237 2,688 SH   DFND 1 0 0 2,688
VERIZON COMMUNICATIONS INC COM 92343v104   875 20,105 SH   DFND 1 0 0 20,105
WILLIAMS COS INC COM 969457100   892 24,197 SH   DFND 1 0 0 24,197