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
ISHARES TR CORE S&P500 ETF 464287200 39,659 188,403 SH   SOLE   0 0 188,403
ISHARES TR RUS 1000 VAL ETF 464287598 229 2,215 SH   SOLE   0 0 2,215
ISHARES TR U.S. REAL ES ETF 464287739 6,853 83,182 SH   SOLE   0 0 83,182
SPDR S&P 500 ETF TR TR UNIT 78462F103 216 1,031 SH   SOLE   0 0 1,031
ADOBE SYS INC COM 00724F101 366 3,819 SH   SOLE   0 0 3,819
BERKSHIRE HATHAWAY INC DEL CL B NEW 84670702 250 1,725 SH   SOLE   0 0 1,725
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 1,252 11,639 SH   SOLE   0 0 11,639
ALTRIA GROUP INC COM 02209S103 878 12,729 SH   SOLE   0 0 12,729
DISNEY WALT CO COM DISNEY 254687106 532 5,441 SH   SOLE   0 0 5,441
JOHNSON & JOHNSON COM 478160104 330 2,724 SH   SOLE   0 0 2,724
MEDTRONIC PLC SHS G5960L103 253 2,913 SH   SOLE   0 0 2,913
PFIZER INC COM 717081103 348 9,878 SH   SOLE   0 0 9,878
LOWES COS INC COM 548661107 1,447 18,272 SH   SOLE   0 0 18,272
CHEVRON CORP NEW COM 166764100 209 1,996 SH   SOLE   0 0 1,996
MICROSOFT CORP COM 594918104 684 13,361 SH   SOLE   0 0 13,361
UNITED PARCEL SERVICE INC CL B 911312106 389 3,610 SH   SOLE   0 0 3,610
AT&T INC COM 00206R102 1,564 36,189 SH   SOLE   0 0 36,189
CISCO SYS INC COM 17275R102 374 13,032 SH   SOLE   0 0 13,032
INTERNATIONAL BUSINESS MACHS COM 459200101 348 2,293 SH   SOLE   0 0 2,293
COCA COLA CO COM 191216100 299 6,599 SH   SOLE   0 0 6,599
PEPSICO INC COM 713448108 307 2,894 SH   SOLE   0 0 2,894
VERIZON COMMUNICATIONS INC COM 92343V104 1,345 24,088 SH   SOLE   0 0 24,088
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 318 4,430 SH   SOLE   0 0 4,430
BANK AMER CORP COM 60505104 301 22,691 SH   SOLE   0 0 22,691
EXXON MOBIL CORP COM 30231G102 2,082 22,213 SH   SOLE   0 0 22,213
AFLAC INC COM 1055102 977 13,543 SH   SOLE   0 0 13,543
WAL-MART STORES INC COM 931142103 1,558 21,336 SH   SOLE   0 0 21,336
COSTCO WHSL CORP NEW COM 22160K105 553 3,519 SH   SOLE   0 0 3,519
CVS HEALTH CORP COM 126650100 334 3,487 SH   SOLE   0 0 3,487
DOMINION RES INC VA NEW COM 25746U109 747 9,589 SH   SOLE   0 0 9,589
SCHLUMBERGER LTD COM 806857108 262 3,319 SH   SOLE   0 0 3,319
MCKESSON CORP COM 58155Q103 268 1,437 SH   SOLE   0 0 1,437
MERCK & CO INC COM 58933Y105 278 4,830 SH   SOLE   0 0 4,830
FIFTH THIRD BANCORP COM 316773100 487 27,672 SH   SOLE   0 0 27,672
PROCTER & GAMBLE CO COM 742718109 232 2,743 SH   SOLE   0 0 2,743
GENERAL ELECTRIC CO COM 369604103 386 12,276 SH   SOLE   0 0 12,276
NIKE INC CL B 654106103 515 9,327 SH   SOLE   0 0 9,327
TJX COS INC NEW COM 872540109 274 3,550 SH   SOLE   0 0 3,550
ISHARES TR 1-3 YR TR BD ETF 464287457 20,914 245,125 SH   SOLE   0 0 245,125
ISHARES TR 7-10 Y TR BD ETF 464287440 14,115 124,952 SH   SOLE   0 0 124,952
ISHARES TR 20 YR TR BD ETF 464287432 13,098 94,299 SH   SOLE   0 0 94,299
ISHARES TR IBOXX INV CP ETF 464287242 49,722 405,116 SH   SOLE   0 0 405,116
FISERV INC COM 337738108 1,004 9,231 SH   SOLE   0 0 9,231
GLOBAL PMTS INC COM 37940X102 830 11,632 SH   SOLE   0 0 11,632
FORD MTR CO DEL COM PAR $0.01 345370860 162 12,902 SH   SOLE   0 0 12,902
MARSH & MCLENNAN COS INC COM 571748102 995 14,538 SH   SOLE   0 0 14,538
COMCAST CORP NEW CL A 20030N101 229 3,517 SH   SOLE   0 0 3,517
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,323 161,652 SH   SOLE   0 0 161,652
FIRSTENERGY CORP COM 337932107 631 18,068 SH   SOLE   0 0 18,068
DUKE ENERGY CORP NEW COM NEW 26441C204 4,321 50,373 SH   SOLE   0 0 50,373
APPLE INC COM 37833100 511 5,341 SH   SOLE   0 0 5,341
BLACKROCK MUNIYIELD FD INC COM 09253W104 340 21,121 SH   SOLE   0 0 21,121
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 842 5,962 SH   SOLE   0 0 5,962
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 469 5,834 SH   SOLE   0 0 5,834
CELGENE CORP COM 151020104 246 2,494 SH   SOLE   0 0 2,494
AON PLC SHS CL A G0408V102 918 8,404 SH   SOLE   0 0 8,404
SOUTHERN CO COM 842587107 445 8,293 SH   SOLE   0 0 8,293
BERKSHIRE HATHAWAY INC DEL CL A 84670108 217 1 SH   SOLE   0 0 1
ISHARES TR CORE US AGGBD ET 464287226 27,092 240,573 SH   SOLE   0 0 240,573
LKQ CORP COM 501889208 880 27,763 SH   SOLE   0 0 27,763
ALLIANCEBERNSTEIN NATL MUNI COM 01864U106 304 20,178 SH   SOLE   0 0 20,178
CMS ENERGY CORP COM 125896100 974 21,244 SH   SOLE   0 0 21,244
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 871 15,223 SH   SOLE   0 0 15,223
PIEDMONT NAT GAS INC COM 720186105 403 6,711 SH   SOLE   0 0 6,711
REYNOLDS AMERICAN INC COM 761713106 375 6,951 SH   SOLE   0 0 6,951
EQUITY RESIDENTIAL SH BEN INT 29476L107 978 14,197 SH   SOLE   0 0 14,197
BIG 5 SPORTING GOODS CORP COM 08915P101 102 11,037 SH   SOLE   0 0 11,037
PIONEER MUN HIGH INCOME TR COM SHS 723763108 343 23,981 SH   SOLE   0 0 23,981
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 79 11,000 SH   SOLE   0 0 11,000
SPDR GOLD TRUST GOLD SHS 78463V107 92,966 735,082 SH   SOLE   0 0 735,082
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,081 8,283 SH   SOLE   0 0 8,283
VANGUARD INDEX FDS SM CP VAL ETF 922908611 853 8,103 SH   SOLE   0 0 8,103
VANGUARD INDEX FDS REIT ETF 922908553 11,771 132,747 SH   SOLE   0 0 132,747
LEGGETT & PLATT INC COM 524660107 223 4,367 SH   SOLE   0 0 4,367
POWERSHARES ETF TRUST DYN PHRMA PORT 73935X799 709 11,196 SH   SOLE   0 0 11,196
NUVEEN PREMIER MUN INCOME FD COM 670988104 343 22,770 SH   SOLE   0 0 22,770
PIONEER MUN HIGH INCOME ADV COM 723762100 366 25,908 SH   SOLE   0 0 25,908
MCCORMICK & CO INC COM NON VTG 579780206 360 3,378 SH   SOLE   0 0 3,378
ACUITY BRANDS INC COM 00508Y102 248 1,001 SH   SOLE   0 0 1,001
SOUTH JERSEY INDS INC COM 838518108 390 12,343 SH   SOLE   0 0 12,343
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 635 5,207 SH   SOLE   0 0 5,207
SPDR SER TR NUVN BR SHT MUNI 78468R739 736 15,005 SH   SOLE   0 0 15,005
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 722 22,341 SH   SOLE   0 0 22,341
ISHARES TR CORE S&P TTL STK 464287150 9,959 104,556 SH   SOLE   0 0 104,556
SPECTRA ENERGY CORP COM 847560109 1,315 35,889 SH   SOLE   0 0 35,889
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,152 11,303 SH   SOLE   0 0 11,303
ISHARES TR IBOXX HI YD ETF 464288513 43,891 518,199 SH   SOLE   0 0 518,199
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 4,026 45,712 SH   SOLE   0 0 45,712
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,054 83,680 SH   SOLE   0 0 83,680
ISHARES TR U.S. PFD STK ETF 464288687 3,448 86,445 SH   SOLE   0 0 86,445
ISHARES TR NATIONAL MUN ETF 464288414 1,802 15,814 SH   SOLE   0 0 15,814
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 8,124 142,165 SH   SOLE   0 0 142,165
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 14,048 393,601 SH   SOLE   0 0 393,601
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 760 12,896 SH   SOLE   0 0 12,896
ISHARES TR INTRM GOV/CR ETF 464288612 18,669 164,700 SH   SOLE   0 0 164,700
PHILIP MORRIS INTL INC COM 718172109 612 6,020 SH   SOLE   0 0 6,020
SPDR SERIES TRUST BRCLYS LG TRS ET 78464A664 525 6,576 SH   SOLE   0 0 6,576
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 3,129 170,028 SH   SOLE   0 0 170,028
FIDELITY CONSMR STAPLES 316092303 627 19,027 SH   SOLE   0 0 19,027
ISHARES TR INTL TREA BD ETF 464288117 30,861 309,942 SH   SOLE   0 0 309,942
FS INVT CORP COM 302635107 180 19,919 SH   SOLE   0 0 19,919
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,866 56,981 SH   SOLE   0 0 56,981
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 1,869 27,810 SH   SOLE   0 0 27,810
VANGUARD SCOTTSDALE FDS SHTRM GVT BD ETF 92206C102 3,693 60,102 SH   SOLE   0 0 60,102
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 634 12,440 SH   SOLE   0 0 12,440
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,461 26,102 SH   SOLE   0 0 26,102
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,001 69,078 SH   SOLE   0 0 69,078
ISHARES TR CORE HIGH DV ETF 46429B663 333 4,054 SH   SOLE   0 0 4,054
SPDR SERIES TRUST BRC ISSUER SCORD 78464A144 1,874 57,307 SH   SOLE   0 0 57,307
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,257 23,404 SH   SOLE   0 0 23,404
ISHARES TR MIN VOL USA ETF 46429B697 5,123 110,863 SH   SOLE   0 0 110,863
ISHARES TR MIN VOL EAFE ETF 46429B689 399 6,016 SH   SOLE   0 0 6,016
FACEBOOK INC CL A 30303M102 229 2,008 SH   SOLE   0 0 2,008
ISHARES TR CORE ST USDB ETF 46432F859 17,909 176,335 SH   SOLE   0 0 176,335
ISHARES TR GNMA BOND ETF 46429B333 2,345 45,826 SH   SOLE   0 0 45,826
ADVISORSHARES TR NEWFLT MULSINC 00768Y727 239 4,891 SH   SOLE   0 0 4,891
DOUBLELINE INCOME SOLUTIONS COM 258622109 811 44,192 SH   SOLE   0 0 44,192
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,081 73,270 SH   SOLE   0 0 73,270
FIDELITY MSCI UTILS INDEX 316092865 327 9,669 SH   SOLE   0 0 9,669
FIDELITY TELECOMM SVCS 316092873 275 8,785 SH   SOLE   0 0 8,785
FIDELITY MSCI RL EST ETF 316092857 50,784 2,042,804 SH   SOLE   0 0 2,042,804