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 1,171 8,149 SH   SOLE 0 0 8,149
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 405 2,429 SH   SOLE 0 0 2,429
BOEING CO COM 097023105 230 1,300 SH   SOLE 0 0 1,300
CENTRAL FD CDA LTD CL A 153501101 129 10,000 SH   SOLE 0 0 10,000
CLAYMORE EXCHANGE TRD FD TR GUGG MSCI GB ETF 18383Q879 55,042 2,089,690 SH   SOLE 936,590 0 1,153,100
DISNEY WALT CO COM DISNEY 254687106 280 2,467 SH   SOLE 0 0 2,467
EXXON MOBIL CORP COM 30231G102 212 2,591 SH   SOLE 0 0 2,591
FLEXSHARES TR MORNSTAR UPSTR 33939L407 136,643 4,639,815 SH   SOLE 2,399,898 0 2,239,917
FLEXSHARES TR IBOXX 3R TARGT 33939L506 196,268 7,866,440 SH   SOLE 3,379,852 0 4,486,588
GENERAL ELECTRIC CO COM 369604103 288 9,659 SH   SOLE 0 0 9,659
ILLUMINA INC COM 452327109 508 2,976 SH   SOLE 0 0 2,976
ISHARES IBONDS SEP17 ETF 464289271 437 16,033 SH   SOLE 0 0 16,033
ISHARES TR CORE S&P TTL STK 464287150 28,441 526,387 SH   SOLE 0 0 526,387
ISHARES TR SELECT DIVID ETF 464287168 3,602 39,538 SH   SOLE 0 0 39,538
ISHARES TR CORE US AGGBD ET 464287226 399 3,676 SH   SOLE 0 0 3,676
ISHARES TR MSCI EMG MKT ETF 464287234 270 6,844 SH   SOLE 0 0 6,844
ISHARES TR IBOXX INV CP ETF 464287242 189,048 1,603,323 SH   SOLE 941,967 0 661,356
ISHARES TR S&P 500 GRWT ETF 464287309 449,243 3,415,774 SH   SOLE 2,079,661 0 1,336,113
ISHARES TR NA NAT RES 464287374 303 8,841 SH   SOLE 0 0 8,841
ISHARES TR S&P 500 VAL ETF 464287408 480,352 4,616,989 SH   SOLE 2,781,081 0 1,835,908
ISHARES TR 1-3 YR TR BD ETF 464287457 52,319 619,017 SH   SOLE 378,380 0 240,637
ISHARES TR CORE S&P MCP ETF 464287507 326,048 1,904,264 SH   SOLE 1,174,987 0 729,277
ISHARES TR CORE S&P SCP ETF 464287804 273,625 3,956,409 SH   SOLE 2,518,967 0 1,437,442
ISHARES TR SHRT NAT MUN ETF 464288158 291 2,759 SH   SOLE 0 0 2,759
ISHARES TR NATIONAL MUN ETF 464288414 1,694 15,547 SH   SOLE 0 0 15,547
ISHARES TR INTL SEL DIV ETF 464288448 1,561 49,627 SH   SOLE 0 0 49,627
ISHARES TR IBOXX HI YD ETF 464288513 169,725 1,933,528 SH   SOLE 1,313,219 0 620,309
ISHARES TR 3-7 YR TR BD ETF 464288661 139,684 1,135,178 SH   SOLE 632,220 0 502,958
ISHARES TR U.S. PFD STK ETF 464288687 453 11,713 SH   SOLE 0 0 11,713
ISHARES TR EAFE GRWTH ETF 464288885 845 12,162 SH   SOLE 0 0 12,162
ISHARES TR US TREASURY ETF 46429B267 321 12,820 SH   SOLE 0 0 12,820
ISHARES TR IBONDS SEP19 ETF 46429B564 437 17,099 SH   SOLE 0 0 17,099
ISHARES TR IBONDS SEP18 ETF 46429B580 437 17,192 SH   SOLE 0 0 17,192
ISHARES TR FLTG RATE BD ETF 46429B655 17,697 347,885 SH   SOLE 243,198 0 104,687
MCDONALDS CORP COM 580135101 308 2,373 SH   SOLE 0 0 2,373
PEPSICO INC COM 713448108 252 2,252 SH   SOLE 0 0 2,252
PIMCO ETF TR 1-5 US TIP IDX 72201R205 75,874 1,436,198 SH   SOLE 1,426,954 0 9,244
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 8,927 88,331 SH   SOLE 2,778 0 85,553
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 7,395 72,753 SH   SOLE 2,732 0 70,021
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 60,014 2,580,128 SH   SOLE 1,375,806 0 1,204,322
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,138 92,819 SH   SOLE 0 0 92,819
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 416 8,117 SH   SOLE 0 0 8,117
SHERWIN WILLIAMS CO COM 824348106 1,136 3,661 SH   SOLE 0 0 3,661
SPDR GOLD TRUST GOLD SHS 78463V107 294 2,473 SH   SOLE 0 0 2,473
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 262 6,167 SH   SOLE 0 0 6,167
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,195 24,935 SH   SOLE 0 0 24,935
SPDR SER TR NUVEEN BLMBRG SR 78468R739 372 7,673 SH   SOLE 0 0 7,673
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 373 1,755 SH   SOLE 0 0 1,755
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 297 6,169 SH   SOLE 0 0 6,169
SPDR SERIES TRUST BLOMBERG BRC SRT 78464A474 119,324 3,898,197 SH   SOLE 2,377,332 0 1,520,865
SPDR SERIES TRUST DJ REIT ETF 78464A607 484 5,248 SH   SOLE 0 0 5,248
TEEKAY LNG PARTNERS L P PRTNRSP UNITS Y8564M105 215 12,262 SH   SOLE 0 0 12,262
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 100,486 5,428,766 SH   SOLE 3,119,688 0 2,309,078
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 12,899 161,804 SH   SOLE 0 0 161,804
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 35,029 647,133 SH   SOLE 418,767 0 228,366
VANGUARD INDEX FDS REIT ETF 922908553 92,028 1,114,275 SH   SOLE 682,132 0 432,143
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,034 20,360 SH   SOLE 0 0 20,360
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 116,820 2,193,393 SH   SOLE 1,388,905 0 804,488
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 81,052 789,591 SH   SOLE 484,251 0 305,340
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 515,283 10,773,221 SH   SOLE 6,585,781 0 4,187,440
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 182,284 4,589,225 SH   SOLE 2,785,017 0 1,804,208
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 65,976 1,256,209 SH   SOLE 771,033 0 485,176
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,589 17,671 SH   SOLE 0 0 17,671
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,517 38,603 SH   SOLE 0 0 38,603
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,244 16,023 SH   SOLE 0 0 16,023
VANGUARD WORLD FDS ENERGY ETF 92204A306 24,885 257,313 SH   SOLE 256,232 0 1,081
VANGUARD WORLD FDS MATERIALS ETF 92204A801 24,895 209,306 SH   SOLE 207,943 0 1,363
WISDOMTREE TR EMG MKTS SMCAP 97717W281 4,905 109,290 SH   SOLE 109,290 0 0
WISDOMTREE TR LARGECAP DIVID 97717W307 301 3,633 SH   SOLE 0 0 3,633
WISDOMTREE TR EMER MKT HIGH FD 97717W315 841 20,587 SH   SOLE 0 0 20,587
WISDOMTREE TR MIDCAP DIVI FD 97717W505 230 2,360 SH   SOLE 0 0 2,360
WISDOMTREE TR SMALLCAP DIVID 97717W604 817 10,131 SH   SOLE 0 0 10,131
WISDOMTREE TR INTL EQUITY FD 97717W703 1,406 28,282 SH   SOLE 0 0 28,282
WISDOMTREE TR ITL HIGH DIV FD 97717W802 268 6,593 SH   SOLE 0 0 6,593