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
ALTRIA GROUP INC COM 02209S103 271 7,254 SH   DFND 0 0 7,254
AMERICAN CAPITAL AGENCY CORP COM 02503X105 277 12,895 SH   DFND 0 0 12,895
ANNALY CAP MGMT INC COM 035710409 457 41,692 SH   DFND 0 0 41,692
APPLE INC COM 037833100 929 1,731 SH   DFND 0 0 1,731
AT&T INC COM 00206R102 1,054 30,077 SH   DFND 0 0 30,077
AUTOMATIC DATA PROCESSING IN COM 053015103 781 10,103 SH   DFND 0 0 10,103
BANK MONTREAL QUE COM 063671101 707 10,558 SH   DFND 0 0 10,558
BERKSHIRE HILLS BANCORP INC COM 084680107 205 7,932 SH   DFND 0 0 7,932
BOEING CO COM 097023105 663 5,281 SH   DFND 0 0 5,281
CATERPILLAR INC DEL COM 149123101 210 2,117 SH   DFND 0 0 2,117
CELGENE CORP COM 151020104 1,781 12,760 SH   DFND 0 0 12,760
CHESAPEAKE ENERGY CORP NOTE 2.250%12/1 165167CB1 28 30,000 PRN   DFND 0 0 30,000
CHEVRON CORP NEW COM 166764100 1,674 14,080 SH   DFND 0 0 14,080
CISCO SYS INC COM 17275R102 873 38,941 SH   DFND 0 0 38,941
CLOROX CO DEL COM 189054109 1,127 12,809 SH   DFND 0 0 12,809
COCA COLA CO COM 191216100 238 6,152 SH   DFND 0 0 6,152
CONNECTICUT WTR SVC INC COM 207797101 232 6,795 SH   DFND 0 0 6,795
CUMMINS INC COM 231021106 332 2,227 SH   DFND 0 0 2,227
DISNEY WALT CO COM DISNEY 254687106 255 3,186 SH   DFND 0 0 3,186
DIXIE GROUP INC CL A 255519100 328 20,000 SH   DFND 0 0 20,000
DOMINION RES INC VA NEW COM 25746U109 997 14,047 SH   DFND 0 0 14,047
DUKE ENERGY CORP NEW COM NEW 26441C204 384 5,399 SH   DFND 0 0 5,399
EMERSON ELEC CO COM 291011104 935 13,990 SH   DFND 0 0 13,990
EOG RES INC COM 26875P101 515 2,625 SH   DFND 0 0 2,625
EXXON MOBIL CORP COM 30231G102 2,296 23,509 SH   DFND 0 0 23,509
GENERAL ELECTRIC CO COM 369604103 1,785 68,949 SH   DFND 0 0 68,949
GENUINE PARTS CO COM 372460105 630 7,249 SH   DFND 0 0 7,249
GILEAD SCIENCES INC COM 375558103 266 3,750 SH   DFND 0 0 3,750
HEALTH CARE REIT INC COM 42217K106 856 14,366 SH   DFND 0 0 14,366
INTEL CORP COM 458140100 1,343 52,022 SH   DFND 0 0 52,022
INTERNATIONAL BUSINESS MACHS COM 459200101 454 2,355 SH   DFND 0 0 2,355
ISHARES TIPS BD ETF 464287176 806 7,188 SH   DFND 0 0 7,188
ISHARES TIPS BD ETF 464287176 2,364 21,081 SH   DFND 1 21,081 0 0
ISHARES CORE S&P500 ETF 464287200 1,836 9,759 SH   DFND 0 0 9,759
ISHARES CORE TOTUSBD ETF 464287226 1,066 9,879 SH   DFND 0 0 9,879
ISHARES MSCI EAFE ETF 464287465 588 8,743 SH   DFND 0 0 8,743
ISHARES CORE S&P MCP ETF 464287507 1,817 13,219 SH   DFND 1 13,219 0 0
ISHARES COHEN&STEER REIT 464287564 325 3,956 SH   DFND 0 0 3,956
ISHARES RUS 1000 VAL ETF 464287598 5,351 55,447 SH   DFND 0 0 55,447
ISHARES RUS 1000 GRW ETF 464287614 5,745 66,395 SH   DFND 0 0 66,395
ISHARES RUS 2000 GRW ETF 464287648 652 4,790 SH   DFND 0 0 4,790
ISHARES RUSSELL 2000 ETF 464287655 1,797 15,447 SH   DFND 1 15,447 0 0
ISHARES INTL DEV RE ETF 464288489 1,883 62,669 SH   DFND 1 62,669 0 0
ISHARES GOLD TRUST ISHARES 464285105 236 18,973 SH   DFND 0 0 18,973
ISHARES INC CORE MSCI EMKT 46434G103 38,191 778,144 SH   DFND 1 778,144 0 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 271 8,204 SH   DFND 1 8,204 0 0
ISHARES TR FLTG RATE BD ETF 46429B655 1,630 32,132 SH   DFND 1 32,132 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,262 12,477 SH   DFND 1 12,477 0 0
JOHNSON & JOHNSON COM 478160104 2,222 22,623 SH   DFND 0 0 22,623
JPMORGAN CHASE & CO COM 46625H100 964 15,877 SH   DFND 0 0 15,877
KIMBERLY CLARK CORP COM 494368103 1,240 11,248 SH   DFND 0 0 11,248
LOCKHEED MARTIN CORP COM 539830109 1,150 7,047 SH   DFND 0 0 7,047
MARRIOTT INTL INC NEW CL A 571903202 1,120 19,990 SH   DFND 0 0 19,990
MCDONALDS CORP COM 580135101 1,167 11,910 SH   DFND 0 0 11,910
MERCK & CO INC NEW COM 58933Y105 240 4,229 SH   DFND 0 0 4,229
MICROSOFT CORP COM 594918104 1,364 33,276 SH   DFND 0 0 33,276
NATIONAL GRID PLC SPON ADR NEW 636274300 1,266 18,412 SH   DFND 0 0 18,412
NORFOLK SOUTHERN CORP COM 655844108 250 2,570 SH   DFND 0 0 2,570
NOVARTIS A G SPONSORED ADR 66987V109 1,506 17,716 SH   DFND 0 0 17,716
ORACLE CORP COM 68389X105 291 7,112 SH   DFND 0 0 7,112
PAYCHEX INC COM 704326107 1,385 32,504 SH   DFND 0 0 32,504
PEPSICO INC COM 713448108 1,071 12,828 SH   DFND 0 0 12,828
PFIZER INC COM 717081103 234 7,275 SH   DFND 0 0 7,275
PHILIP MORRIS INTL INC COM 718172109 875 10,686 SH   DFND 0 0 10,686
PIMCO ETF TR ENHAN SHRT MAT 72201R833 1,032 10,177 SH   DFND 0 0 10,177
PROCTER & GAMBLE CO COM 742718109 10,757 133,456 SH   DFND 0 0 133,456
QUALCOMM INC COM 747525103 257 3,256 SH   DFND 0 0 3,256
REALTY INCOME CORP COM 756109104 779 19,071 SH   DFND 0 0 19,071
REYNOLDS AMERICAN INC COM 761713106 500 9,356 SH   DFND 0 0 9,356
ROSS STORES INC COM 778296103 279 3,901 SH   DFND 0 0 3,901
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 543 6,952 SH   DFND 0 0 6,952
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 322 4,417 SH   DFND 0 0 4,417
SPDR GOLD TRUST GOLD SHS 78463V107 273 2,209 SH   DFND 0 0 2,209
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,450 7,750 SH   DFND 0 0 7,750
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,915 111,824 SH   DFND 1 111,824 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 619 14,961 SH   DFND 1 14,961 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,947 49,638 SH   DFND 1 49,638 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 173,409 3,120,011 SH   DFND 1 3,120,011 0 0
SPECTRA ENERGY CORP COM 847560109 759 20,550 SH   DFND 0 0 20,550
STARBUCKS CORP COM 855244109 248 3,375 SH   DFND 0 0 3,375
SYSCO CORP COM 871829107 728 20,147 SH   DFND 0 0 20,147
UNITED PARCEL SERVICE INC CL B 911312106 627 6,440 SH   DFND 0 0 6,440
US BANCORP DEL COM NEW 902973304 313 7,298 SH   DFND 0 0 7,298
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 11,454 132,063 SH   DFND 1 132,063 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 674 8,412 SH   DFND 0 0 8,412
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 95,980 1,182,169 SH   DFND 1 1,182,169 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 9,552 115,321 SH   DFND 1 115,321 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,170 66,637 SH   DFND 1 66,637 0 0
VANGUARD INDEX FDS REIT ETF 922908553 6,218 88,047 SH   DFND 1 88,047 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,567 36,764 SH   DFND 1 36,764 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,914 78,641 SH   DFND 1 78,641 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 304 3,257 SH   DFND 0 0 3,257
VANGUARD INDEX FDS VALUE ETF 922908744 238 3,043 SH   DFND 0 0 3,043
VANGUARD INDEX FDS TOTAL STK MKT 922908769 656 6,735 SH   DFND 0 0 6,735
VANGUARD INDEX FDS TOTAL STK MKT 922908769 42,389 434,888 SH   DFND 1 434,888 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,753 69,404 SH   DFND 1 69,404 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 13,922 130,137 SH   DFND 1 130,137 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 754 12,646 SH   DFND 1 12,646 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 14,002 278,318 SH   DFND 1 278,318 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,713 239,350 SH   DFND 1 239,350 0 0
VANGUARD INTL EQUITY INDEX F MEGA CAP GRO ETF 922042866 15,825 267,763 SH   DFND 1 267,763 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 8,266 140,226 SH   DFND 1 140,226 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 8,460 105,779 SH   DFND 1 105,779 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 35,588 688,344 SH   DFND 1 688,344 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 665 8,852 SH   DFND 0 0 8,852
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 15,851 210,702 SH   DFND 1 210,702 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 29,340 710,929 SH   DFND 1 710,929 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 673 10,657 SH   DFND 0 0 10,657
VANGUARD WORLD FD MEGA GRWTH IND 921910816 24,655 340,538 SH   DFND 1 340,538 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 32,092 571,233 SH   DFND 1 571,233 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 673 14,156 SH   DFND 0 0 14,156
WAL-MART STORES INC COM 931142103 288 3,770 SH   DFND 0 0 3,770
WASTE MGMT INC DEL COM 94106L109 665 15,815 SH   DFND 0 0 15,815
WELLS FARGO & CO NEW COM 949746101 1,199 24,113 SH   DFND 0 0 24,113
WESTPAC BKG CORP SPONSORED ADR 961214301 1,227 38,258 SH   DFND 0 0 38,258