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 TIPS BD ETF 464287176 90 789 SH   DFND 1 789 0 0
ISHARES TR CORE S&P500 ETF 464287200 231 1,024 SH   DFND 1 1,024 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1 25 SH   DFND 1 25 0 0
ISHARES TR NA NAT RES 464287374 1 15 SH   DFND 1 15 0 0
ISHARES TR MSCI EAFE ETF 464287465 3 44 SH   DFND 1 44 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 110 1,358 SH   DFND 1 1,358 0 0
ISHARES TR RUS MID-CAP ETF 464287499 2 10 SH   DFND 1 10 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 68 570 SH   DFND 1 570 0 0
ISHARES TR INTERM CR BD ETF 464288638 63 574 SH   DFND 1 574 0 0
ISHARES TR EAFE VALUE ETF 464288877 138 2,915 SH   DFND 1 2,915 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 39 2,402 SH   DFND 1 2,402 0 0
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 1 1,925 PRN   DFND 1 1,925 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 56 1,408 SH   DFND 1 1,408 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2 24 SH   DFND 1 24 0 0
VANGUARD INDEX FDS REIT ETF 922908553 20 231 SH   DFND 1 231 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 5 44 SH   DFND 1 44 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2 8 SH   DFND 1 8 0 0