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 284 6,989 SH   SOLE   0 0 6,989
APPLE INC COM 037833100 278 2,458 SH   SOLE   0 0 2,458
DBX ETF TR XTRAK MSCI EAFE 233051200 7,583 287,451 SH   SOLE   0 0 287,451
EXXON MOBIL CORP COM 30231G102 740 8,482 SH   SOLE   0 0 8,482
GENERAL ELECTRIC CO COM 369604103 2,799 94,512 SH   SOLE   0 0 94,512
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,136 26,064 SH   SOLE   0 0 26,064
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 9,104 311,796 SH   SOLE   0 0 311,796
ISHARES MSCI FRNTR100ETF 464286145 7,012 273,049 SH   SOLE   0 0 273,049
ISHARES MIN VOL EMRG MKT 464286533 1,189 21,995 SH   SOLE   0 0 21,995
ISHARES TR TIPS BD ETF 464287176 8,360 71,764 SH   SOLE   0 0 71,764
ISHARES TR 20 YR TR BD ETF 464287432 1,748 12,713 SH   SOLE   0 0 12,713
ISHARES TR CORE S&P MCP ETF 464287507 1,174 7,586 SH   SOLE   0 0 7,586
ISHARES AGGRES ALLOC ETF 464289859 745 15,697 SH   SOLE   0 0 15,697
ISHARES GRWT ALLOCAT ETF 464289867 1,491 36,239 SH   SOLE   0 0 36,239
ISHARES CONSER ALLOC ETF 464289883 1,092 32,712 SH   SOLE   0 0 32,712
ISHARES TR MIN VOL EAFE ETF 46429B689 7,841 115,926 SH   SOLE   0 0 115,926
ISHARES TR MIN VOL USA ETF 46429B697 18,109 398,610 SH   SOLE   0 0 398,610
ISHARES TR USA QUALITY FCTR 46432F339 14,637 216,874 SH   SOLE   0 0 216,874
ISHARES TR USA VALUE FACTOR 46432F388 1,170 17,926 SH   SOLE   0 0 17,926
ISHARES TR MRNGSTR INC ETF 46432F875 2,975 117,671 SH   SOLE   0 0 117,671
ISHARES TR HDG MSCI EAFE 46434V803 1,207 48,633 SH   SOLE   0 0 48,633
POWERSHARES ETF TRUST S&P 500 QLTY PRT 73935X682 1,334 52,992 SH   SOLE   0 0 52,992
SPDR SERIES TRUST BRC CNV SECS ETF 78464A359 1,822 39,292 SH   SOLE   0 0 39,292
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,244 40,137 SH   SOLE   0 0 40,137
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 846 10,060 SH   SOLE   0 0 10,060
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,202 219,252 SH   SOLE   0 0 219,252
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,375 195,996 SH   SOLE   0 0 195,996
VANGUARD INDEX FDS REIT ETF 922908553 7,013 80,852 SH   SOLE   0 0 80,852
VANGUARD INDEX FDS GROWTH ETF 922908736 211 1,880 SH   SOLE   0 0 1,880
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,125 58,313 SH   SOLE   0 0 58,313
VERIZON COMMUNICATIONS INC COM 92343V104 511 9,826 SH   SOLE   0 0 9,826