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
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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   605 15,453 SH   SOLE   0 0 15,453
APPLE INC COM 37833100   292 2,683 SH   SOLE   0 0 2,683
DBX ETF TR XTRAK MSCI EAFE 233051200   8,824 345,493 SH   SOLE   0 0 345,493
EXXON MOBIL CORP COM 30231G102   781 9,342 SH   SOLE   0 0 9,342
GENERAL ELECTRIC CO COM 369604103   3,669 115,425 SH   SOLE   0 0 115,425
HOME DEPOT INC COM 437076102   254 1,902 SH   SOLE   0 0 1,902
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   2,184 75,663 SH   SOLE   0 0 75,663
INTERNATIONAL BUSINESS MACHS COM 459200101   209 1,377 SH   SOLE   0 0 1,377
ISHARES MSCI FRNTR100ETF 464286145   6,639 270,197 SH   SOLE   0 0 270,197
ISHARES EM MK MINVOL ETF 464286533   983 19,140 SH   SOLE   0 0 19,140
ISHARES TR TIPS BD ETF 464287176   7,797 68,013 SH   SOLE   0 0 68,013
ISHARES TR MSCI EMG MKT ETF 464287234   249 7,281 SH   SOLE   0 0 7,281
ISHARES TR 20 YR TR BD ETF 464287432   1,508 11,548 SH   SOLE   0 0 11,548
ISHARES TR 1-3 YR TR BD ETF 464287457   9,494 111,654 SH   SOLE   0 0 111,654
ISHARES TR CORE S&P MCP ETF 464287507   1,101 7,633 SH   SOLE   0 0 7,633
ISHARES AGGRES ALLOC ETF 464289859   718 15,853 SH   SOLE   0 0 15,853
ISHARES GRWT ALLOCAT ETF 464289867   1,502 38,083 SH   SOLE   0 0 38,083
ISHARES CONSER ALLOC ETF 464289883   917 28,407 SH   SOLE   0 0 28,407
ISHARES TR EAFE MIN VOL ETF 46429B689   7,635 114,913 SH   SOLE   0 0 114,913
ISHARES TR USA MIN VOL ETF 46429B697   18,037 410,581 SH   SOLE   0 0 410,581
ISHARES TR MSCI USA QLT FAC 46432F339   14,631 222,964 SH   SOLE   0 0 222,964
ISHARES TR MSCI USAVALFCT 46432F388   1,275 20,775 SH   SOLE   0 0 20,775
ISHARES TR MRNGSTR INC ETF 46432F875   2,504 104,006 SH   SOLE   0 0 104,006
POWERSHARES ETF TRUST S&P 500 QLTY PRT 73935X682   1,703 69,218 SH   SOLE   0 0 69,218
SPDR SERIES TRUST BRC CNV SECS ETF 78464A359   1,857 42,979 SH   SOLE   0 0 42,979
UNITED PARCEL SERVICE INC CL B 911312106   253 2,395 SH   SOLE   0 0 2,395
UNITED TECHNOLOGIES CORP COM 913017109   215 2,150 SH   SOLE   0 0 2,150
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827   3,012 37,358 SH   SOLE   0 0 37,358
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,102 31,865 SH   SOLE   0 0 31,865
VANGUARD INDEX FDS REIT ETF 922908553   6,823 81,416 SH   SOLE   0 0 81,416
VANGUARD INDEX FDS GROWTH ETF 922908736   200 1,880 SH   SOLE   0 0 1,880
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,664 59,776 SH   SOLE   0 0 59,776
VERIZON COMMUNICATIONS INC COM 92343V104   778 14,390 SH   SOLE   0 0 14,390