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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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 S&P MC 400GR ETF 464287606 1,310 6,863 SH   SOLE   0 0 6,863
ISHARES TR S&P 500 VAL ETF 464287408 39,777 382,321 SH   SOLE   0 0 382,321
ISHARES TR CORE S&P500 ETF 464287200 20,033 84,429 SH   SOLE   0 0 84,429
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,978 12,631 SH   SOLE   0 0 12,631
ISHARES TR MSCI EAFE ETF 464287465 17,519 281,255 SH   SOLE   0 0 281,255
ISHARES TR 1-3 YR TR BD ETF 464287457 33,510 396,479 SH   SOLE   0 0 396,479
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,706 22,302 SH   SOLE   0 0 22,302
ISHARES TR MSCI EMG MKT ETF 464287234 10,630 269,878 SH   SOLE   0 0 269,878
ISHARES TR CORE US AGGBD ET 464287226 98,173 904,902 SH   SOLE   0 0 904,902
VANGUARD WORLD FDS ENERGY ETF 92204A306 531 5,489 SH   SOLE   0 0 5,489
VANGUARD INDEX FDS VALUE ETF 922908744 8,120 85,145 SH   SOLE   0 0 85,145
VANGUARD INDEX FDS SM CP VAL ETF 922908611 38,859 316,290 SH   SOLE   0 0 316,290
VANGUARD INDEX FDS REIT ETF 922908553 3,418 41,385 SH   SOLE   0 0 41,385
VANGUARD INDEX FDS SMALL CP ETF 922908751 28,206 211,632 SH   SOLE   0 0 211,632
ISHARES TR MICRO-CAP ETF 464288869 18,111 211,451 SH   SOLE   0 0 211,451
ISHARES TR EAFE VALUE ETF 464288877 32,065 637,474 SH   SOLE   0 0 637,474
WISDOMTREE TR INTL SMCAP DIV 97717W760 48,428 739,692 SH   SOLE   0 0 739,692
WISDOMTREE TR HIGH DIV FD 97717W208 625 9,130 SH   SOLE   0 0 9,130
ISHARES TR CORE S&P TTL STK 464287150 2,355 43,586 SH   SOLE   0 0 43,586
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,708 80,559 SH   SOLE   0 0 80,559
ISHARES TR IBOXX HI YD ETF 464288513 1,715 19,535 SH   SOLE   0 0 19,535
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 63,438 795,758 SH   SOLE   0 0 795,758
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 10,104 120,850 SH   SOLE   0 0 120,850
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 5,914 72,945 SH   SOLE   0 0 72,945
ISHARES TR MSCI KLD400 SOC 464288570 2,097 24,176 SH   SOLE   0 0 24,176
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,908 92,255 SH   SOLE   0 0 92,255
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 639 8,224 SH   SOLE   0 0 8,224
ISHARES TR NATIONAL MUN ETF 464288414 4,166 38,238 SH   SOLE   0 0 38,238
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,018 21,249 SH   SOLE   0 0 21,249
WISDOMTREE TR EMG MKTS SMCAP 97717W281 12,479 278,061 SH   SOLE   0 0 278,061
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,317 23,117 SH   SOLE   0 0 23,117
ISHARES TR EAFE SML CP ETF 464288273 10,906 201,435 SH   SOLE   0 0 201,435
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 6,815 144,755 SH   SOLE   0 0 144,755
BARCLAYS BANK PLC ETN DJUBS PMET38 06739H248 550 9,428 SH   SOLE   0 0 9,428
ISHARES TR AGENCY BOND ETF 464288166 657 5,810 SH   SOLE   0 0 5,810
ISHARES MODERT ALLOC ETF 464289875 978 26,916 SH   SOLE   0 0 26,916
ISHARES CONSER ALLOC ETF 464289883 484 14,527 SH   SOLE   0 0 14,527
ISHARES GRWT ALLOCAT ETF 464289867 1,063 25,077 SH   SOLE   0 0 25,077
ISHARES TR SHRT NAT MUN ETF 464288158 10,903 103,255 SH   SOLE   0 0 103,255
ISHARES AGGRES ALLOC ETF 464289859 1,045 20,926 SH   SOLE   0 0 20,926
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 891 10,309 SH   SOLE   0 0 10,309
ISHARES RUS TOP 200 ETF 464289446 9,311 172,721 SH   SOLE   0 0 172,721
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 208 1,739 SH   SOLE   0 0 1,739
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,229 23,066 SH   SOLE   0 0 23,066
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,349 33,073 SH   SOLE   0 0 33,073
ISHARES TR FLTG RATE BD ETF 46429B655 1,455 28,609 SH   SOLE   0 0 28,609
BARCLAYS BK PLC IPATH DYNM VIX 06741L609 1,421 52,738 SH   SOLE   0 0 52,738
FLEXSHARES TR MORNSTAR USMKT 33939L100 75,657 754,604 SH   SOLE   0 0 754,604
INDEXIQ ETF TR US RL EST SMCP 45409B628 469 17,439 SH   SOLE   0 0 17,439
ISHARES INC CORE MSCI EMKT 46434G103 3,726 77,963 SH   SOLE   0 0 77,963
ISHARES TR CORE MSCI EAFE 46432F842 6,014 103,771 SH   SOLE   0 0 103,771
FLEXSHARES TR M STAR DEV MKT 33939L803 47,164 781,769 SH   SOLE   0 0 781,769
FLEXSHARES TR MSTAR EMKT FAC 33939L308 9,162 177,479 SH   SOLE   0 0 177,479
BARCLAYS BK PLC IPATH S&P MLP 06742A750 1,411 67,278 SH   SOLE   0 0 67,278