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
AT&T INC COM 00206r102 919 23,457 SH   DFND 1 0 0 23,457
ABBVIE INC COM 00287y109 942 16,478 SH   DFND 1 0 0 16,478
APPLE INC COM 037833100 245 2,247 SH   DFND 1 0 0 2,247
AUTOMATIC DATA PROCESSING INC COM 053015103 355 3,962 SH   DFND 1 0 0 3,962
BANCO SANTANDER SA ADR 05964h105 758 174,003 SH   DFND 1 0 0 174,003
BLACKSTONE GROUP LP COM UNIT LTD 09253u108 778 27,737 SH   DFND 1 0 0 27,737
BLACKROCK ENHAN CAP & INC FD COM 09256a109 1,575 116,335 SH   DFND 1 0 0 116,335
CVS HEALTH CORPORATION COM 126650100 387 3,735 SH   DFND 1 0 0 3,735
CISCO SYSTEMS INC COM 17275r102 728 25,572 SH   DFND 1 0 0 25,572
CLOROX CO COM 189054109 532 4,218 SH   DFND 1 0 0 4,218
COCA-COLA CO COM 191216100 905 19,510 SH   DFND 1 0 0 19,510
CONOCOPHILLIPS COM 20825c104 963 23,912 SH   DFND 1 0 0 23,912
CONSOLIDATED EDISON INC COM 209115104 576 7,526 SH   DFND 1 0 0 7,526
DU PONT E I DE NEMOURS & CO COM 263534109 817 12,897 SH   DFND 1 0 0 12,897
DUKE ENERGY CORP COM 26441c204 687 8,505 SH   DFND 1 0 0 8,505
EMERSON ELECTRIC CO COM 291011104 662 12,180 SH   DFND 1 0 0 12,180
ENTERGY CORP COM 29364g103 702 8,844 SH   DFND 1 0 0 8,844
EXELON CORP COM 30161n101 889 24,795 SH   DFND 1 0 0 24,795
GENERAL ELECTRIC CO COM 369604103 517 16,262 SH   DFND 1 0 0 16,262
GRAMERCY PROPERTY TRUST COM 385002100 84 10,000 SH   DFND 1 0 0 10,000
HCP INC COM 40414l109 760 23,336 SH   DFND 1 0 0 23,336
HP INC COM 40434l105 832 67,545 SH   DFND 1 0 0 67,545
HONEYWELL INTL INC COM 438516106 295 2,634 SH   DFND 1 0 0 2,634
INTERNATIONAL BUSINESS MACHINE COM 459200101 821 5,422 SH   DFND 1 0 0 5,422
ISHARES CNTRY MIN VOL ETF 464286525 4,612 62,769 SH   DFND 1 0 0 62,769
ISHARES TR CORE US AGGBD ETF 464287226 44,760 403,878 SH   DFND 1 0 0 403,878
ISHARES TR MSCI EAFE ETF 464287465 377 6,589 SH   DFND 1 0 0 6,589
ISHARES TR CORE S&P MCP ETF 464287507 40,127 278,292 SH   DFND 1 0 0 278,292
ISHARES TR COHEN & STEER REIT 464287564 18,076 175,219 SH   DFND 1 0 0 175,219
ISHARES TR RUS 1000 ETF 464287622 9,909 86,873 SH   DFND 1 0 0 86,873
ISHARES TR CORE S&P SCP ETF 464287804 15,413 136,921 SH   DFND 1 0 0 136,921
ISHARES TR EUROPE ETF 464287861 11,451 292,806 SH   DFND 1 0 0 292,806
ISHARES TR MBS ETF 464288588 14,733 134,571 SH   DFND 1 0 0 134,571
ISHARES TR INTERM CR BD ETF 464288638 10,015 91,309 SH   DFND 1 0 0 91,309
ISHARES TR 1-3 YR CR BD ETF 464288646 5,394 51,168 SH   DFND 1 0 0 51,168
ISHARES TR US PFD STK ETF 464288687 10,055 257,629 SH   DFND 1 0 0 257,629
ISHARES USA MIN VOL ETF 46429b697 3,635 82,752 SH   DFND 1 0 0 82,752
KKR & CO LP DEL COM UNITS 48248m102 836 56,947 SH   DFND 1 0 0 56,947
KIMBERLY CLARK CORP COM 494368103 1,008 7,494 SH   DFND 1 0 0 7,494
LEGGETT & PLATT INC COM 524660107 516 10,658 SH   DFND 1 0 0 10,658
ELI LILLY & CO COM 532457108 752 10,449 SH   DFND 1 0 0 10,449
MATTEL INC COM 577081102 683 20,306 SH   DFND 1 0 0 20,306
MICROSOFT CORP COM 594918104 877 15,877 SH   DFND 1 0 0 15,877
NUCOR CORP COM 670346105 846 17,874 SH   DFND 1 0 0 17,874
PFIZER INC COM 717081103 738 24,900 SH   DFND 1 0 0 24,900
PIMCO ETF TR 0-5 HIGH YIELD 72201r783 495 5,330 SH   DFND 1 0 0 5,330
POTASH CORP SASKATCHEWAN INC COM 73755l107 679 39,898 SH   DFND 1 0 0 39,898
POWERSHARES QQQ TR UNIT SER 1 73935a104 343 3,141 SH   DFND 1 0 0 3,141
POWERSHARES ETF TRUST FIN PFD PTFL 73935x229 1,051 55,883 SH   DFND 1 0 0 55,883
PRINCIPAL FINANCIAL GROUP INC COM 74251v102 760 19,261 SH   DFND 1 0 0 19,261
PROCTER & GAMBLE CO COM 742718109 625 7,597 SH   DFND 1 0 0 7,597
RYDEX ETF TR GUG S&P 500 EQ WGT 78355w106 334 4,258 SH   DFND 1 0 0 4,258
SPDR S&P 500 ETF TR TR UNIT 78462f103 68,653 334,045 SH   DFND 1 0 0 334,045
SPDR SERIES TRUST BRC HIGH YLD BD 78464a417 31,131 908,927 SH   DFND 1 0 0 908,927
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467v848 234 4,733 SH   DFND 1 0 0 4,733
SELECT SECTOR SPDR TR SSBI HEALTH CARE 81369y209 6,239 92,047 SH   DFND 1 0 0 92,047
SELECT SECTOR SPDR TR SSBI CONS STAPLES 81369y308 5,979 112,680 SH   DFND 1 0 0 112,680
SELECT SECTOR SPDR TR SBI INT ENERGY 81369y506 367 5,937 SH   DFND 1 0 0 5,937
SELECT SECTOR SPDR TR SBI INT UTILS 81369y886 360 7,252 SH   DFND 1 0 0 7,252
SOUTHERN CO COM 842587107 809 15,638 SH   DFND 1 0 0 15,638
SYSCO CORP COM 871829107 1,189 25,439 SH   DFND 1 0 0 25,439
VANGUARD BOND INDEX FUND TOTAL BD MKT 921937835 202 2,434 SH   DFND 1 0 0 2,434
VANGUARD TAX MGD INTL FD FTSE DEV MKT ETF 921943858 10,226 285,012 SH   DFND 1 0 0 285,012
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,896 286,176 SH   DFND 1 0 0 286,176
VENTAS INC COM 92276f100 662 10,511 SH   DFND 1 0 0 10,511
VANGUARD INDEX FUNDS LARGE CAP ETF 922908637 222 2,358 SH   DFND 1 0 0 2,358
VERIZON COMMUNICATIONS INC COM 92343v104 1,146 21,194 SH   DFND 1 0 0 21,194