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
N/A SPONS ADR 2 ORD 780097689 58 10,440 SH   DFND 1,2 0 0 10,440
Vanguard TOTAL BND MRKT 921937835 201 2,538 SH   DFND 1,2 0 0 2,538
N/A COM 94106L109 203 2,283 SH   DFND 1,2 0 0 2,283
N/A COM 532457108 206 1,785 SH   DFND 1,2 0 0 1,785
N/A COM NEW 902973304 217 4,757 SH   DFND 1,2 0 0 4,757
N/A COM 126408103 225 3,630 SH   DFND 1,2 0 0 3,630
N/A COM 539830109 227 868 SH   DFND 1,2 0 0 868
N/A COM 500754106 228 5,300 SH   DFND 1,2 0 0 5,300
N/A COM 461202103 232 1,181 SH   DFND 1,2 0 0 1,181
N/A SHS G5960L103 233 2,563 SH   DFND 1,2 0 0 2,563
SPDR GOLD SHS 78463V107 234 1,931 SH   DFND 1,2 0 0 1,931
N/A COM 023135106 237 158 SH   DFND 1,2 0 0 158
N/A SHS G29183103 238 3,476 SH   DFND 1,2 0 0 3,476
N/A COM 194162103 242 4,071 SH   DFND 1,2 0 0 4,071
N/A COM 91324P102 258 1,036 SH   DFND 1,2 0 0 1,036
iShares RUSSELL 2000 ETF 464287655 264 1,977 SH   DFND 1,2 0 0 1,977
iShares MIN VOL EAFE ETF 46429B689 272 4,088 SH   DFND 1,2 0 0 4,088
N/A COM 060505104 275 11,178 SH   DFND 1,2 0 0 11,178
N/A COM 872540109 275 6,164 SH   DFND 1,2 0 0 6,164
N/A COM 91913Y100 276 3,685 SH   DFND 1,2 0 0 3,685
PowerShares FTSE RAFI 1000 46137V613 276 2,725 SH   DFND 1,2 0 0 2,725
N/A COM 00287Y109 279 3,032 SH   DFND 1,2 0 0 3,032
N/A COM 65339F101 284 1,635 SH   DFND 1,2 0 0 1,635
N/A COM 03027X100 287 1,819 SH   DFND 1,2 0 0 1,819
N/A CL A 20030N101 288 8,481 SH   DFND 1,2 0 0 8,481
Goldman Sachs EQUITY ETF 381430503 294 5,850 SH   DFND 1,2 0 0 5,850
iShares USA QUALITY FCTR 46432F339 300 3,920 SH   DFND 1,2 0 0 3,920
N/A CAP STK CL A 02079K305 305 292 SH   DFND 1,2 0 0 292
N/A COM CL A 92826C839 305 2,313 SH   DFND 1,2 0 0 2,313
SPDR PORTFOLIO INTRMD 78464A375 308 9,326 SH   DFND 1,2 0 0 9,326
N/A COM 002824100 308 4,266 SH   DFND 1,2 0 0 4,266
N/A COM 009158106 328 2,050 SH   DFND 1,2 0 0 2,050
N/A COM 949746101 329 7,151 SH   DFND 1,2 0 0 7,151
PowerShares DYNMC LRG VALU 46137V738 342 10,482 SH   DFND 1,2 0 0 10,482
N/A COM 452308109 353 2,788 SH   DFND 1,2 0 0 2,788
N/A COM 166764100 354 3,254 SH   DFND 1,2 0 0 3,254
N/A COM 235851102 365 3,541 SH   DFND 1,2 0 0 3,541
N/A CAP STK CL C 02079K107 369 357 SH   DFND 1,2 0 0 357
N/A COM 882508104 381 4,042 SH   DFND 1,2 0 0 4,042
N/A COM 855244109 386 6,001 SH   DFND 1,2 0 0 6,001
iShares ESG MSCI EAFE 46435G516 389 6,783 SH   DFND 1,2 0 0 6,783
N/A COM 110122108 407 7,836 SH   DFND 1,2 0 0 7,836
N/A SPON ADR NEW 25243Q205 410 2,898 SH   DFND 1,2 0 0 2,898
N/A COM 88579Y101 446 2,344 SH   DFND 1,2 0 0 2,344
N/A COM 58933Y105 457 5,983 SH   DFND 1,2 0 0 5,983
N/A COM 458140100 516 11,009 SH   DFND 1,2 0 0 11,009
Vanguard MIDCP 400 IDX 921932885 526 4,705 SH   DFND 1,2 0 0 4,705
N/A CL B NEW 084670702 593 2,906 SH   DFND 1,2 0 0 2,906
N/A COM NEW 172967424 604 11,614 SH   DFND 1,2 0 0 11,614
N/A COM NEW 755111507 622 4,059 SH   DFND 1,2 0 0 4,059
N/A COM 863667101 625 3,992 SH   DFND 1,2 0 0 3,992
N/A CL B 654106103 645 8,708 SH   DFND 1,2 0 0 8,708
N/A COM 053015103 677 5,166 SH   DFND 1,2 0 0 5,166
N/A SPONSORED ADR 80105N105 702 16,191 SH   DFND 1,2 0 0 16,191
N/A COM 03076C106 722 6,919 SH   DFND 1,2 0 0 6,919
N/A COM 30231G102 733 10,757 SH   DFND 1,2 0 0 10,757
N/A CL A 609207105 744 18,595 SH   DFND 1,2 0 0 18,595
N/A COM 876030107 759 22,516 SH   DFND 1,2 0 0 22,516
Vanguard ALLWRLD EX US 922042775 760 16,686 SH   DFND 1,2 0 0 16,686
N/A COM 29250N105 815 26,233 SH   DFND 1,2 0 0 26,233
N/A COM 15189T107 830 29,424 SH   DFND 1,2 0 0 29,424
N/A COM 30161N101 830 18,425 SH   DFND 1,2 0 0 18,425
N/A CL A COM 55303A105 842 31,910 SH   DFND 1,2 0 0 31,910
N/A COM 78377T107 876 13,140 SH   DFND 1,2 0 0 13,140
N/A SPON ADR B 780259107 886 14,782 SH   DFND 1,2 0 0 14,782
N/A COM 478160104 893 6,924 SH   DFND 1,2 0 0 6,924
N/A COM 693475105 896 7,665 SH   DFND 1,2 0 0 7,665
N/A COM 857477103 912 14,470 SH   DFND 1,2 0 0 14,470
N/A COM 174610105 931 31,344 SH   DFND 1,2 0 0 31,344
N/A COM V7780T103 933 9,549 SH   DFND 1,2 0 0 9,549
N/A COM 375558103 950 15,198 SH   DFND 1,2 0 0 15,198
N/A COM 37045V100 952 28,474 SH   DFND 1,2 0 0 28,474
N/A SHS - A - N53745100 953 11,471 SH   DFND 1,2 0 0 11,471
N/A COM NEW 247361702 975 19,556 SH   DFND 1,2 0 0 19,556
N/A COM 718546104 983 11,418 SH   DFND 1,2 0 0 11,418
N/A COM 595017104 983 13,677 SH   DFND 1,2 0 0 13,677
N/A COM 11135F101 1,006 3,960 SH   DFND 1,2 0 0 3,960
N/A COM 862121100 1,022 36,121 SH   DFND 1,2 0 0 36,121
N/A COM 11133T103 1,052 10,931 SH   DFND 1,2 0 0 10,931
N/A COM 713448108 1,059 9,593 SH   DFND 1,2 0 0 9,593
N/A COM 918204108 1,082 15,177 SH   DFND 1,2 0 0 15,177
N/A COM 438516106 1,101 8,333 SH   DFND 1,2 0 0 8,333
N/A COM 580135101 1,123 6,328 SH   DFND 1,2 0 0 6,328
N/A COM 913017109 1,127 10,593 SH   DFND 1,2 0 0 10,593
N/A COM H1467J104 1,142 8,841 SH   DFND 1,2 0 0 8,841
N/A COM 031162100 1,170 6,012 SH   DFND 1,2 0 0 6,012
N/A COM 747525103 1,214 21,334 SH   DFND 1,2 0 0 21,334
N/A REG SHS H84989104 1,227 16,233 SH   DFND 1,2 0 0 16,233
N/A COM 437076102 1,257 7,316 SH   DFND 1,2 0 0 7,316
N/A COM 17275R102 1,259 29,061 SH   DFND 1,2 0 0 29,061
N/A COM 26078J100 1,325 24,791 SH   DFND 1,2 0 0 24,791
N/A SHS CLASS A G1151C101 1,325 9,403 SH   DFND 1,2 0 0 9,403
N/A COM 126650100 1,340 20,462 SH   DFND 1,2 0 0 20,462
N/A COM 742718109 1,389 15,115 SH   DFND 1,2 0 0 15,115
N/A COM DISNEY 254687106 1,416 12,915 SH   DFND 1,2 0 0 12,915
N/A COM 717081103 1,473 33,748 SH   DFND 1,2 0 0 33,748
N/A CL A 57636Q104 1,506 7,983 SH   DFND 1,2 0 0 7,983
N/A COM 907818108 1,507 10,902 SH   DFND 1,2 0 0 10,902
N/A COM 097023105 1,603 4,971 SH   DFND 1,2 0 0 4,971
SPDR SPDR BLOOMBERG 78468R663 1,625 17,778 SH   DFND 1,2 0 0 17,778
N/A COM 92343V104 1,643 29,234 SH   DFND 1,2 0 0 29,234
N/A COM 037833100 1,762 11,170 SH   DFND 1,2 0 0 11,170
PowerShares S&P500 LOW VOL 46138E354 1,976 42,364 SH   DFND 1,2 0 0 42,364
N/A COM 46625H100 2,006 20,557 SH   DFND 1,2 0 0 20,557
N/A COM 594918104 2,132 20,998 SH   DFND 1,2 0 0 20,998
SPDR TR UNIT 78462F103 3,593 14,379 SH   DFND 1,2 0 0 14,379
Vanguard DIV APP ETF 921908844 3,988 40,722 SH   DFND 1,2 0 0 40,722
Vanguard TOTAL STK MKT 922908769 6,182 48,442 SH   DFND 1,2 0 0 48,442
PowerShares UNIT SER 1 46090E103 6,362 41,243 SH   DFND 1,2 0 0 41,243
iShares ISHARES 464285105 6,827 555,555 SH   DFND 1,2 0 0 555,555
iShares SHORT TREAS BD 464288679 10,042 91,048 SH   DFND 1,2 0 0 91,048
Vanguard FTSE EMR MKT ETF 922042858 10,385 272,594 SH   DFND 1,2 0 0 272,594
Schwab US DIVIDEND EQ 808524797 11,589 246,751 SH   DFND 1,2 0 0 246,751
SPDR PORTFOLIO SHORT 78464A474 14,972 496,769 SH   DFND 1,2 0 0 496,769
iShares BARCLAYS 7 10 YR 464287440 15,572 149,450 SH   DFND 1,2 0 0 149,450
iShares CORE US AGGBD ET 464287226 17,478 164,130 SH   DFND 1,2 0 0 164,130
iShares CORE S&P MCP ETF 464287507 19,211 115,692 SH   DFND 1,2 0 0 115,692
Vanguard FTSE DEV MKT ETF 921943858 24,835 669,424 SH   DFND 1,2 0 0 669,424
iShares CORE S&P500 ETF 464287200 25,311 100,599 SH   DFND 1,2 0 0 100,599
Vanguard SHORT TRM BOND 921937827 26,979 343,384 SH   DFND 1,2 0 0 343,384