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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APOLLO RESIDENTIAL MTG INC COM 03763V102 248 20,175 SH   SOLE 0 0 20,175
APPLE INC COM 037833100 1,174 10,792 SH   SOLE 0 0 10,792
BARCLAYS BK PLC IPSPGS TTL ETN 06738C794 453 452,560 SH   SOLE 0 0 452,560
DBX ETF TR XTRAK MSCI EAFE 233051200 18,419 668,335 SH   SOLE 0 0 668,335
EXXON MOBIL CORP COM 30231G102 727 9,186 SH   SOLE 0 0 9,186
GENERAL ELECTRIC CO COM 369604103 329 10,514 SH   SOLE 0 0 10,514
ISHARES CNTRY MIN VL ETF 464286525 3,750 53,437 SH   SOLE 0 0 53,437
ISHARES CORE LT USDB ETF 464289479 8,250 141,304 SH   SOLE 0 0 141,304
ISHARES TR CORE US AGGBD ET 464287226 15,020 139,362 SH   SOLE 0 0 139,362
ISHARES TR MSCI EAFE ETF 464287465 202 3,365 SH   SOLE 0 0 3,365
ISHARES TR NASDQ BIOTEC ETF 464287556 6,889 20,078 SH   SOLE 0 0 20,078
ISHARES TR MSCI ACWI ETF 464288257 6,862 120,810 SH   SOLE 0 0 120,810
ISHARES TR INTRM GOV/CR ETF 464288612 235 2,144 SH   SOLE 0 0 2,144
ISHARES TR EAFE MIN VOL ETF 46429B689 13,457 204,418 SH   SOLE 0 0 204,418
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 5,737 203,740 SH   SOLE 0 0 203,740
KAYNE ANDERSON MLP INVT CO COM 486606106 206 12,620 SH   SOLE 0 0 12,620
MARKET VECTORS ETF TR MTG REIT ETF 57060U324 7,165 361,862 SH   SOLE 0 0 361,862
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 6,054 266,146 SH   SOLE 0 0 266,146
META FINL GROUP INC COM 59100U108 1,271 1,271,179 SH   SOLE 0 0 1,271,179
PHILIP MORRIS INTL INC COM 718172109 245 2,738 SH   SOLE 0 0 2,738
PROCTER & GAMBLE CO COM 742718109 204 2,541 SH   SOLE 0 0 2,541
RYDEX ETF TRUST GUG S&P500EQWTHC 78355W841 17,680 113,597 SH   SOLE 0 0 113,597
SPDR S&P 500 ETF TR TR UNIT 78462F103 201 967 SH   SOLE 0 0 967
SPDR SERIES TRUST BARC SHT TR CP 78464A474 343 11,287 SH   SOLE 0 0 11,287
SPDR SERIES TRUST S&P DIVID ETF 78464A763 233 3,115 SH   SOLE 0 0 3,115
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 103 11,785 SH   SOLE 0 0 11,785
TELEFONICA S A SPONSORED ADR 879382208 125 124,651 SH   SOLE 0 0 124,651
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 12,152 230,159 SH   SOLE 0 0 230,159
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,266 101,293 SH   SOLE 0 0 101,293
VANGUARD INDEX FDS REIT ETF 922908553 10,097 124,768 SH   SOLE 0 0 124,768
VANGUARD INDEX FDS TOTAL STK MKT 922908769 27,979 263,652 SH   SOLE 0 0 263,652
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,706 202,241 SH   SOLE 0 0 202,241
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 6,525 62,990 SH   SOLE 0 0 62,990
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,495 53,565 SH   SOLE 0 0 53,565
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,764 127,318 SH   SOLE 0 0 127,318
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,101 8,836 SH   SOLE 0 0 8,836
VANGUARD WORLD FDS INF TECH ETF 92204A702 19,519 176,289 SH   SOLE 0 0 176,289
WISDOMTREE TR EUR HDG SMLCAP 97717X552 8,329 335,996 SH   SOLE 0 0 335,996