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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
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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
COLGATE PALMOLIVE CO COM 194162103 322 4,917 SH   SOLE   4,917 0 0
ISHARES MSCI EMG MKT ETF 464287234 211 5,324 SH   SOLE   5,324 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 3,390 30,169 SH   SOLE   30,169 0 0
ISHARES RUS 1000 GRW ETF 464287614 71,447 721,614 SH   SOLE   721,614 0 0
ISHARES RUSSELL 2000 ETF 464287655 9,805 78,526 SH   SOLE   78,526 0 0
ISHARES RUS 2000 VAL ETF 464287630 17,314 169,816 SH   SOLE   169,816 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,659 12,915 SH   SOLE   12,915 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,445 255,503 SH   SOLE   255,503 0 0