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
BARCLAYS BANK PLC ETN DJUBS PMET38 06739H248 488 8,947 SH   SOLE   0 0 8,947
BARCLAYS BK PLC IPATH DYNM VIX 06741L609 1,384 48,050 SH   SOLE   0 0 48,050
BARCLAYS BK PLC IPATH S&P MLP 06742A750 1,239 46,208 SH   SOLE   0 0 46,208
INDEXIQ ETF TR US RL EST SMCP 45409B628 506 20,072 SH   SOLE   0 0 20,072
ISHARES EAFE SML CP ETF 464288273 11,370 222,844 SH   SOLE   0 0 222,844
ISHARES MICRO-CAP ETF 464288869 19,830 243,223 SH   SOLE   0 0 243,223
ISHARES IBOXX HI YD ETF 464288513 1,583 17,824 SH   SOLE   0 0 17,824
ISHARES EAFE VALUE ETF 464288877 31,974 611,006 SH   SOLE   0 0 611,006
ISHARES AGENCY BOND ETF 464288166 801 7,078 SH   SOLE   0 0 7,078
ISHARES GRWT ALLOCAT ETF 464289867 1,060 26,149 SH   SOLE   0 0 26,149
ISHARES AGGRES ALLOC ETF 464289859 1,067 22,505 SH   SOLE   0 0 22,505
ISHARES MODERT ALLOC ETF 464289875 860 24,407 SH   SOLE   0 0 24,407
ISHARES CONSER ALLOC ETF 464289883 433 13,356 SH   SOLE   0 0 13,356
ISHARES INC CORE MSCI EMKT 46434G103 476 9,898 SH   SOLE   0 0 9,898
ISHARES TR 1-3 YR TR BD ETF 464287457 40,502 477,279 SH   SOLE   0 0 477,279
ISHARES TR MSCI USAVALFCT 46432F388 618 9,411 SH   SOLE   0 0 9,411
ISHARES TR MSCI EMG MKT ETF 464287234 10,244 258,558 SH   SOLE   0 0 258,558
ISHARES TR CORE S&P500 ETF 464287200 20,311 98,016 SH   SOLE   0 0 98,016
ISHARES TR S&P 500 VAL ETF 464287408 40,971 444,324 SH   SOLE   0 0 444,324
ISHARES TR MSCI EAFE ETF 464287465 17,134 269,864 SH   SOLE   0 0 269,864
ISHARES TR CORE US AGGBD ET 464287226 89,072 818,826 SH   SOLE   0 0 818,826
ISHARES TR FLTG RATE BD ETF 46429B655 1,395 27,540 SH   SOLE   0 0 27,540
ISHARES TR SP SMCP600VL ETF 464287879 917 7,790 SH   SOLE   0 0 7,790
ISHARES TR CORE S&P TTL STK 464287150 2,992 31,682 SH   SOLE   0 0 31,682
ISHARES U S ETF TR ENH US SCP ETF 46431W200 2,515 77,967 SH   SOLE   0 0 77,967
ISHARES U S ETF TR ENH INTL SMCAP 46431W309 2,645 111,850 SH   SOLE   0 0 111,850
ISHARES U S ETF TR ENH INTL L CAP 46431W408 2,407 99,402 SH   SOLE   0 0 99,402
ISHARES U S ETF TR ENH US LCP ETF 46431W101 2,172 67,806 SH   SOLE   0 0 67,806
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,513 41,649 SH   SOLE   0 0 41,649
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 1,292 23,178 SH   SOLE   0 0 23,178
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 46,169 575,746 SH   SOLE   0 0 575,746
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,009 18,772 SH   SOLE   0 0 18,772
VANGUARD INDEX FDS REIT ETF 922908553 515 6,890 SH   SOLE   0 0 6,890
VANGUARD INDEX FDS SMALL CP ETF 922908751 19,580 161,195 SH   SOLE   0 0 161,195
VANGUARD INDEX FDS SM CP VAL ETF 922908611 35,012 324,753 SH   SOLE   0 0 324,753
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,345 24,248 SH   SOLE   0 0 24,248
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 721 8,452 SH   SOLE   0 0 8,452
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 498 7,399 SH   SOLE   0 0 7,399
VANGUARD WORLD FDS ENERGY ETF 92204A306 495 4,627 SH   SOLE   0 0 4,627
WISDOMTREE TR INTL SMCAP DIV 97717W760 50,056 829,563 SH   SOLE   0 0 829,563
WISDOMTREE TR EQTY INC FD 97717W208 497 8,364 SH   SOLE   0 0 8,364
WISDOMTREE TR EMG MKTS SMCAP 97717W281 12,372 285,139 SH   SOLE   0 0 285,139