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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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
APPLE INC COM 037833100 811 8,483 SH   SOLE 0 0 8,483
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 389 2,684 SH   SOLE 0 0 2,684
CENTRAL FD CDA LTD CL A 153501101 150 10,826 SH   SOLE 0 0 10,826
CLAYMORE EXCHANGE TRD FD TR GUGG MSCI GB ETF 18383Q879 51,545 2,260,728 SH   SOLE 1,103,895 0 1,156,833
DISNEY WALT CO COM DISNEY 254687106 212 2,171 SH   SOLE 0 0 2,171
EXXON MOBIL CORP COM 30231G102 285 3,039 SH   SOLE 0 0 3,039
FLEXSHARES TR MORNSTAR UPSTR 33939L407 137,047 5,201,018 SH   SOLE 2,741,259 0 2,459,759
FLEXSHARES TR IBOXX 3R TARGT 33939L506 191,749 7,688,423 SH   SOLE 3,327,136 0 4,361,287
GALENA BIOPHARMA INC COM 363256108 5 10,000 SH   SOLE 0 0 10,000
GENERAL ELECTRIC CO COM 369604103 280 8,903 SH   SOLE 0 0 8,903
ILLUMINA INC COM 452327109 418 2,976 SH   SOLE 0 0 2,976
ISHARES IBONDS SEP17 ETF 464289271 575 21,005 SH   SOLE 0 0 21,005
ISHARES IBONDS SEP16 ETF 464289313 590 22,271 SH   SOLE 0 0 22,271
ISHARES TR CORE S&P TTL STK 464287150 19,160 201,155 SH   SOLE 0 0 201,155
ISHARES TR SELECT DIVID ETF 464287168 768 9,006 SH   SOLE 0 0 9,006
ISHARES TR MSCI EMG MKT ETF 464287234 244 7,100 SH   SOLE 0 0 7,100
ISHARES TR IBOXX INV CP ETF 464287242 188,414 1,535,161 SH   SOLE 886,977 0 648,184
ISHARES TR S&P 500 GRWT ETF 464287309 410,686 3,522,779 SH   SOLE 2,214,691 0 1,308,088
ISHARES TR NA NAT RES 464287374 217 6,524 SH   SOLE 0 0 6,524
ISHARES TR S&P 500 VAL ETF 464287408 451,455 4,859,576 SH   SOLE 2,959,136 0 1,900,440
ISHARES TR 1-3 YR TR BD ETF 464287457 50,948 597,141 SH   SOLE 364,681 0 232,460
ISHARES TR CORE S&P MCP ETF 464287507 323,369 2,164,597 SH   SOLE 1,363,091 0 801,506
ISHARES TR CORE S&P SCP ETF 464287804 319,975 2,753,417 SH   SOLE 1,835,214 0 918,203
ISHARES TR SHRT NAT MUN ETF 464288158 520 4,888 SH   SOLE 0 0 4,888
ISHARES TR NATIONAL MUN ETF 464288414 1,447 12,702 SH   SOLE 0 0 12,702
ISHARES TR INTL SEL DIV ETF 464288448 211 7,378 SH   SOLE 0 0 7,378
ISHARES TR IBOXX HI YD ETF 464288513 166,808 1,969,562 SH   SOLE 1,349,997 0 619,565
ISHARES TR 3-7 YR TR BD ETF 464288661 137,113 1,076,665 SH   SOLE 601,710 0 474,955
ISHARES TR U.S. PFD STK ETF 464288687 470 11,775 SH   SOLE 0 0 11,775
ISHARES TR IBONDS SEP18 ETF 46429B580 533 20,781 SH   SOLE 0 0 20,781
ISHARES TR FLTG RATE BD ETF 46429B655 17,016 336,146 SH   SOLE 236,839 0 99,307
MCDONALDS CORP COM 580135101 294 2,445 SH   SOLE 0 0 2,445
PIMCO ETF TR 1-5 US TIP IDX 72201R205 74,473 1,409,400 SH   SOLE 1,400,196 0 9,204
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 6,877 71,016 SH   SOLE 824 0 70,192
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,240 41,913 SH   SOLE 786 0 41,127
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 57,646 2,509,630 SH   SOLE 1,355,430 0 1,154,200
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,617 39,029 SH   SOLE 0 0 39,029
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 426 8,117 SH   SOLE 0 0 8,117
SHERWIN WILLIAMS CO COM 824348106 5,270 17,944 SH   SOLE 0 0 17,944
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 409 2,287 SH   SOLE 0 0 2,287
SPDR GOLD TRUST GOLD SHS 78463V107 284 2,243 SH   SOLE 0 0 2,243
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 540 14,552 SH   SOLE 0 0 14,552
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 116,506 2,810,296 SH   SOLE 1,793,317 0 1,016,979
SPDR SER TR NUVN BRCLY MUNI 78468R721 1,474 29,138 SH   SOLE 0 0 29,138
SPDR SER TR NUVN BR SHT MUNI 78468R739 414 8,444 SH   SOLE 0 0 8,444
SPDR SER TR SSGA GNDER ETF 78468R747 212 3,385 SH   SOLE 0 0 3,385
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 461 2,582 SH   SOLE 0 0 2,582
SPDR SERIES TRUST BRC CNV SECS ETF 78464A359 260 5,931 SH   SOLE 0 0 5,931
SPDR SERIES TRUST BARC SHT TR CP 78464A474 116,080 3,771,270 SH   SOLE 2,313,266 0 1,458,004
SPDR SERIES TRUST DJ REIT ETF 78464A607 94,217 947,569 SH   SOLE 564,104 0 383,465
SPDR SERIES TRUST BRCLYS 1-3MT ETF 78464A680 1,200 26,250 SH   SOLE 0 0 26,250
TEEKAY LNG PARTNERS L P PRTNRSP UNITS Y8564M105 126 11,231 SH   SOLE 0 0 11,231
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 233 7,197 SH   SOLE 0 0 7,197
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 9,602 118,451 SH   SOLE 0 0 118,451
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 33,868 608,048 SH   SOLE 392,776 0 215,272
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,528 17,887 SH   SOLE 0 0 17,887
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 78,062 838,566 SH   SOLE 533,615 0 304,951
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 491,513 11,470,557 SH   SOLE 7,468,935 0 4,001,622
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 176,367 5,007,071 SH   SOLE 3,201,198 0 1,805,873
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 64,203 1,192,258 SH   SOLE 744,725 0 447,533
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,173 14,091 SH   SOLE 0 0 14,091
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,566 44,284 SH   SOLE 0 0 44,284
VANGUARD WORLD FDS ENERGY ETF 92204A306 25,014 262,970 SH   SOLE 259,840 0 3,130
VANGUARD WORLD FDS INF TECH ETF 92204A702 283 2,644 SH   SOLE 0 0 2,644
VANGUARD WORLD FDS MATERIALS ETF 92204A801 25,115 245,196 SH   SOLE 243,833 0 1,363
WISDOMTREE TR EMG MKTS SMCAP 97717W281 5,095 131,530 SH   SOLE 131,530 0 0
WISDOMTREE TR LARGECAP DIVID 97717W307 268 3,538 SH   SOLE 0 0 3,538
WISDOMTREE TR EMER MKT HIGH FD 97717W315 570 16,105 SH   SOLE 0 0 16,105
WISDOMTREE TR MIDCAP DIVI FD 97717W505 630 7,043 SH   SOLE 0 0 7,043
WISDOMTREE TR SMALLCAP DIVID 97717W604 627 8,749 SH   SOLE 0 0 8,749
WISDOMTREE TR INTL EQUITY FD 97717W703 206 4,595 SH   SOLE 0 0 4,595
WISDOMTREE TR ITL HIGH DIV FD 97717W802 913 25,069 SH   SOLE 0 0 25,069
WISDOMTREE TR EM LCL DEBT FD 97717X867 99,328 2,655,108 SH   SOLE 1,557,605 0 1,097,503