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 1,175 28,933 SH   DFND 1 0 0 28,933
ABBVIE INC COM 00287y109 1,271 20,145 SH   DFND 1 0 0 20,145
APPLE INC COM 037833100 218 1,926 SH   DFND 1 0 0 1,926
AUTOMATIC DATA PROCESSING INC COM 053015103 323 3,658 SH   DFND 1 0 0 3,658
BEST BUY INC COM 086516101 1,156 30,286 SH   DFND 1 0 0 30,286
BLACKSTONE GROUP LP COM UNIT LTD 09253u108 955 37,411 SH   DFND 1 0 0 37,411
CVS HEALTH CORPORATION COM 126650100 332 3,735 SH   DFND 1 0 0 3,735
CISCO SYSTEMS INC COM 17275r102 973 30,693 SH   DFND 1 0 0 30,693
COCA-COLA CO COM 191216100 1,011 23,882 SH   DFND 1 0 0 23,882
CONSOLIDATED EDISON INC COM 209115104 681 9,041 SH   DFND 1 0 0 9,041
DU PONT E I DE NEMOURS & CO COM 263534109 864 12,897 SH   DFND 1 0 0 12,897
DUKE ENERGY CORP COM 26441c204 863 10,793 SH   DFND 1 0 0 10,793
EMERSON ELECTRIC CO COM 291011104 843 15,469 SH   DFND 1 0 0 15,469
ENTERGY CORP COM 29364g103 847 11,032 SH   DFND 1 0 0 11,032
EXELON CORP COM 30161n101 1,034 31,074 SH   DFND 1 0 0 31,074
EXXON MOBIL CORP COM 30231g102 204 2,342 SH   DFND 1 0 0 2,342
FIRSTENERGY CORP COM 337932107 802 24,227 SH   DFND 1 0 0 24,227
FORD MOTOR CO COM 345370860 1,049 86,900 SH   DFND 1 0 0 86,900
GENERAL ELECTRIC CO COM 369604103 444 15,010 SH   DFND 1 0 0 15,010
GENERAL MOTORS CO COM 37045v100 1,018 32,018 SH   DFND 1 0 0 32,018
GRAMERCY PROPERTY TRUST COM 385002100 96 10,000 SH   DFND 1 0 0 10,000
HCP INC COM 40414l109 1,121 29,538 SH   DFND 1 0 0 29,538
HP INC COM 40434l105 1,321 85,066 SH   DFND 1 0 0 85,066
HONEYWELL INTL INC COM 438516106 315 2,698 SH   DFND 1 0 0 2,698
INTERNATIONAL BUSINESS MACHINE COM 459200101 1,140 7,180 SH   DFND 1 0 0 7,180
ISHARES MIN VOL GBL ETF 464286525 5,006 65,703 SH   DFND 1 0 0 65,703
ISHARES TR CORE US AGGBD ETF 464287226 48,868 434,696 SH   DFND 1 0 0 434,696
ISHARES TR MSCI EAFE ETF 464287465 390 6,589 SH   DFND 1 0 0 6,589
ISHARES TR CORE S&P MCP ETF 464287507 45,497 294,080 SH   DFND 1 0 0 294,080
ISHARES TR COHEN & STEER REIT 464287564 19,601 186,857 SH   DFND 1 0 0 186,857
ISHARES TR RUSS 1000 ETF 464287622 10,622 88,186 SH   DFND 1 0 0 88,186
ISHARES TR CORE S&P SCP ETF 464287804 17,760 143,058 SH   DFND 1 0 0 143,058
ISHARES TR EUROPE ETF 464287861 401 10,171 SH   DFND 1 0 0 10,171
ISHARES TR MBS ETF 464288588 16,243 147,548 SH   DFND 1 0 0 147,548
ISHARES TR INTERM CR BD ETF 464288638 11,585 104,040 SH   DFND 1 0 0 104,040
ISHARES TR 1-3 YR CR BD ETF 464288646 6,128 57,942 SH   DFND 1 0 0 57,942
ISHARES TR US PFD STK ETF 464288687 11,024 279,102 SH   DFND 1 0 0 279,102
ISHARES TR MIN VOL USA ETF 46429b697 3,775 83,088 SH   DFND 1 0 0 83,088
JOHNSON & JOHNSON COM 478160104 268 2,269 SH   DFND 1 0 0 2,269
KKR & CO LP DEL UNITS COM UNITS 48248m102 1,059 74,253 SH   DFND 1 0 0 74,253
KIMBERLY CLARK CORP COM 494368103 1,246 9,878 SH   DFND 1 0 0 9,878
LEGGETT & PLATT INC COM 524660107 596 13,065 SH   DFND 1 0 0 13,065
ELI LILLY & CO COM 532457108 1,074 13,387 SH   DFND 1 0 0 13,387
MATTEL INC COM 577081102 768 25,378 SH   DFND 1 0 0 25,378
MICROSOFT CORP COM 594918104 1,142 19,824 SH   DFND 1 0 0 19,824
NUCOR CORP COM 670346105 1,091 22,079 SH   DFND 1 0 0 22,079
PFIZER INC COM 717081103 1,046 30,895 SH   DFND 1 0 0 30,895
PIMCO ETF TRUST 0-5 HIGH YIELD 72201r783 483 4,851 SH   DFND 1 0 0 4,851
POWERSHARES QQQ TR UNIT SER 1 73935a104 373 3,141 SH   DFND 1 0 0 3,141
POWERSHARES ETF TRUST FINL PFD PTFL 73935x229 1,397 73,310 SH   DFND 1 0 0 73,310
PRINCIPAL FINANCIAL GROUP INC COM 74251v102 1,272 24,698 SH   DFND 1 0 0 24,698
PROCTER & GAMBLE CO COM 742718109 922 10,275 SH   DFND 1 0 0 10,275
PUBLIC SER ENTERPRISE GROUP COM 744573106 764 18,232 SH   DFND 1 0 0 18,232
RYDEX ETF TRUST GUG S&P 500 EQ WT 78355w106 356 4,258 SH   DFND 1 0 0 4,258
SPDR S&P 500 ETF TR TR UNIT 78462f103 76,303 352,762 SH   DFND 1 0 0 352,762
SPDR SERIES TRUST BRC HIGH YLD BD 78464a417 35,184 958,178 SH   DFND 1 0 0 958,178
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467v848 300 5,973 SH   DFND 1 0 0 5,973
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209 432 5,989 SH   DFND 1 0 0 5,989
SELECT SECTOR SPDR TR SBI CONS STPLS 81369y308 573 10,778 SH   DFND 1 0 0 10,778
SELECT SECTOR SPDR TR SBI INT ENERGY 81369y506 7,144 101,166 SH   DFND 1 0 0 101,166
SELECT SECTOR SPDR TR SBI INT UTILS 81369y886 331 6,763 SH   DFND 1 0 0 6,763
SOUTHERN CO COM 842587107 1,061 20,681 SH   DFND 1 0 0 20,681
TELUS CORP COM 87971m103 852 25,828 SH   DFND 1 0 0 25,828
VALERO ENERGY CORP COM 91913y100 1,053 19,877 SH   DFND 1 0 0 19,877
VANGUARD BOND INDEX FUND INC TOTAL BD MKT 921937835 236 2,804 SH   DFND 1 0 0 2,804
VANGUARD TAX MGD INSTL FD FTSE DEV MKT ETF 921943858 20,517 548,446 SH   DFND 1 0 0 548,446
VANGUARD INTL EQUITY INDEX FD FTSE EMR MKT ETF 922042858 11,603 308,332 SH   DFND 1 0 0 308,332
VENTAS INC COM 92276f100 920 13,026 SH   DFND 1 0 0 13,026
VANGUARD INDEX FUNDS LARGE CAP ETF 922908637 260 2,618 SH   DFND 1 0 0 2,618
VERIZON COMMUNICATIONS INC COM 92343v104 1,365 26,256 SH   DFND 1 0 0 26,256
WAL MART STORES INC COM 931142103 867 12,022 SH   DFND 1 0 0 12,022