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   1,206 27,901 SH   DFND 1 0 0 27,901
ABBVIE INC COM 00287y109   1,195 19,296 SH   DFND 1 0 0 19,296
AUTOMATIC DATA PROCESSING INC COM 053015103   336 3,658 SH   DFND 1 0 0 3,658
BANCO SANTANDER SA ADR 05964h105   839 213,924 SH   DFND 1 0 0 213,924
BLACKSTONE GROUP LP COM UNIT LTD 09253u108   870 35,444 SH   DFND 1 0 0 35,444
CVS HEALTH CORPORATION COM 126650100   358 3,735 SH   DFND 1 0 0 3,735
CISCO SYSTEMS INC COM 17275r102   844 29,402 SH   DFND 1 0 0 29,402
CLOROX CO COM 189054109   682 4,923 SH   DFND 1 0 0 4,923
COCA-COLA CO COM 191216100   1,017 22,431 SH   DFND 1 0 0 22,431
CONSOLIDATED EDISON INC COM 209115104   702 8,730 SH   DFND 1 0 0 8,730
DU PONT E I DE NEMOURS & CO COM 263534109   836 12,897 SH   DFND 1 0 0 12,897
DUKE ENERGY CORP COM 26441c204   882 10,289 SH   DFND 1 0 0 10,289
EMERSON ELECTRIC CO COM 291011104   758 14,537 SH   DFND 1 0 0 14,537
ENTERGY CORP COM 29364g103   852 10,478 SH   DFND 1 0 0 10,478
EXELON CORP COM 30161n101   1,083 29,796 SH   DFND 1 0 0 29,796
EXXON MOBIL CORP COM 30231g102   211 2,249 SH   DFND 1 0 0 2,249
FIRSTENERGY CORP COM 337932107   799 22,876 SH   DFND 1 0 0 22,876
GENERAL ELECTRIC CO COM 369604103   473 15,010 SH   DFND 1 0 0 15,010
GRAMERCY PROPERTY TRUST COM 385002100   92 10,000 SH   DFND 1 0 0 10,000
HCP INC COM 40414l109   1,002 28,307 SH   DFND 1 0 0 28,307
HP INC COM 40434l105   1,031 82,105 SH   DFND 1 0 0 82,105
HONEYWELL INTL INC COM 438516106   306 2,634 SH   DFND 1 0 0 2,634
INTERNATIONAL BUSINESS MACHINE COM 459200101   1,039 6,849 SH   DFND 1 0 0 6,849
ISHARES MIN VOL GLOBAL ETF 464286525   4,978 65,182 SH   DFND 1 0 0 65,182
ISHARES TR CORE US AGG BD ETF 464287226   46,810 415,666 SH   DFND 1 0 0 415,666
ISHARES TR MSCI EAFE ETF 464287465   482 8,628 SH   DFND 1 0 0 8,628
ISHARES TR CORE S&P MCP ETF 464287507   43,556 291,553 SH   DFND 1 0 0 291,553
ISHARES TR COHEN & STEER REIT 464287564   19,936 184,248 SH   DFND 1 0 0 184,248
ISHARES TR RUSS 1000 GRW ETF 464287622   10,121 86,590 SH   DFND 1 0 0 86,590
ISHARES TR CORE S&P SCP ETF 464287804   16,473 141,751 SH   DFND 1 0 0 141,751
ISHARES TR EUROPE ETF 464287861   451 11,930 SH   DFND 1 0 0 11,930
ISHARES TR MBS ETF 464288588   15,521 141,137 SH   DFND 1 0 0 141,137
ISHARES TR INTERM CR BD ETF 464288638   10,612 95,381 SH   DFND 1 0 0 95,381
ISHARES TR 1-3 YR CR BD ETF 464288646   5,736 54,064 SH   DFND 1 0 0 54,064
ISHARES TR US PFD STK ETF 464288687   10,755 269,604 SH   DFND 1 0 0 269,604
ISHARES TR MIN VOL USA ETF 46429b697   3,897 84,328 SH   DFND 1 0 0 84,328
KKR & CO LP DEL COM UNITS 48248m102   883 71,600 SH   DFND 1 0 0 71,600
KIMBERLY CLARK CORP COM 494368103   1,277 9,290 SH   DFND 1 0 0 9,290
LEGGETT & PLATT INC COM 524660107   635 12,427 SH   DFND 1 0 0 12,427
ELI LILLY & CO COM 532457108   1,002 12,720 SH   DFND 1 0 0 12,720
MATTEL INC COM 577081102   758 24,219 SH   DFND 1 0 0 24,219
MICROSOFT CORP COM 594918104   961 18,787 SH   DFND 1 0 0 18,787
NUCOR CORP COM 670346105   1,045 21,148 SH   DFND 1 0 0 21,148
PFIZER INC COM 717081103   1,044 29,663 SH   DFND 1 0 0 29,663
PIMCO ETF TR 0-5 HIGH YLD 72201r783   470 4,851 SH   DFND 1 0 0 4,851
POTASH CORP SASKATCHEWAN INC COM 73755l107   825 50,810 SH   DFND 1 0 0 50,810
POWERSHARES QQQ TRUST UNIT SER 1 73935a104   338 3,141 SH   DFND 1 0 0 3,141
POWERSHARES ETF TRUST FINL PFD PTFL 73935x229   1,324 69,017 SH   DFND 1 0 0 69,017
PRINCIPAL FINANCIAL GROUP INC COM 74251v102   971 23,608 SH   DFND 1 0 0 23,608
PROCTER & GAMBLE CO COM 742718109   823 9,714 SH   DFND 1 0 0 9,714
PUBLIC SERVICE ENTERPRISE GROUP COM 744573106   801 17,193 SH   DFND 1 0 0 17,193
RYDEX ETF TRUST GUG S&P 500 EQ WT 78355w106   342 4,258 SH   DFND 1 0 0 4,258
SPDR S&P 500 ETF TR TR UNIT 78462f103   72,977 348,382 SH   DFND 1 0 0 348,382
SPDR SERIES TRUST BRC HIGH YLD BD 78464a417   33,196 930,137 SH   DFND 1 0 0 930,137
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467v848   210 4,203 SH   DFND 1 0 0 4,203
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209   6,732 93,880 SH   DFND 1 0 0 93,880
SELECT SECTOR SPDR TR SBI CONS STAPLES 81369y308   6,200 112,420 SH   DFND 1 0 0 112,420
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369y506   405 5,937 SH   DFND 1 0 0 5,937
SELECT SECTOR SPDR TR SBI INT-UTILS 81369y886   406 7,741 SH   DFND 1 0 0 7,741
SOUTHERN CO COM 842587107   1,050 19,583 SH   DFND 1 0 0 19,583
SYSCO CORP COM 871829107   1,511 29,783 SH   DFND 1 0 0 29,783
TELUS CORP COM 87971m103   788 24,475 SH   DFND 1 0 0 24,475
VANGUARD BOND INDEX FUND INC TOTAL BD MKT 921937835   236 2,804 SH   DFND 1 0 0 2,804
VANGUARD TAX MGD INTL FD FTSE DEV MKT ETF 921943858   10,331 292,162 SH   DFND 1 0 0 292,162
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,617 301,363 SH   DFND 1 0 0 301,363
VENTAS INC COM 92276f100   912 12,528 SH   DFND 1 0 0 12,528
VANGUARD INDEX FUNDS LARGE CAP ETF 922908637   251 2,618 SH   DFND 1 0 0 2,618
VERIZON COMMUNICATIONS INC COM 92343v104   1,397 25,009 SH   DFND 1 0 0 25,009
WAL MART STORES INC COM 931142103   837 11,468 SH   DFND 1 0 0 11,468