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 1,237 8,587 SH   SOLE 0 0 8,587
AT&T INC COM 00206R102 200 5,311 SH   SOLE 0 0 5,311
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 509 3,005 SH   SOLE 0 0 3,005
BOEING CO COM 097023105 280 1,417 SH   SOLE 0 0 1,417
CENTRAL FD CDA LTD CL A 153501101 123 10,000 SH   SOLE 0 0 10,000
CLAYMORE EXCHANGE TRD FD TR GUGG MSCI GB ETF 18383Q879 58,477 2,046,814 SH   SOLE 872,144 0 1,174,670
DISNEY WALT CO COM DISNEY 254687106 247 2,321 SH   SOLE 0 0 2,321
EXXON MOBIL CORP COM 30231G102 214 2,652 SH   SOLE 0 0 2,652
FLEXSHARES TR MORNSTAR UPSTR 33939L407 137,143 4,800,262 SH   SOLE 2,486,727 0 2,313,535
FLEXSHARES TR IBOXX 3R TARGT 33939L506 196,135 7,987,582 SH   SOLE 3,428,407 0 4,559,175
GENERAL ELECTRIC CO COM 369604103 265 9,797 SH   SOLE 0 0 9,797
GOLDMAN SACHS GROUP INC COM 38141G104 200 900 SH   SOLE 0 0 900
ILLUMINA INC COM 452327109 516 2,976 SH   SOLE 0 0 2,976
ISHARES IBONDS SEP17 ETF 464289271 438 16,093 SH   SOLE 0 0 16,093
ISHARES TR CORE S&P TTL STK 464287150 32,257 582,048 SH   SOLE 0 0 582,048
ISHARES TR SELECT DIVID ETF 464287168 4,480 48,582 SH   SOLE 0 0 48,582
ISHARES TR CORE US AGGBD ET 464287226 450 4,108 SH   SOLE 0 0 4,108
ISHARES TR MSCI EMG MKT ETF 464287234 283 6,844 SH   SOLE 0 0 6,844
ISHARES TR IBOXX INV CP ETF 464287242 192,067 1,593,782 SH   SOLE 918,633 0 675,149
ISHARES TR S&P 500 GRWT ETF 464287309 458,933 3,353,547 SH   SOLE 1,986,629 0 1,366,918
ISHARES TR NA NAT RES 464287374 303 9,564 SH   SOLE 0 0 9,564
ISHARES TR S&P 500 VAL ETF 464287408 488,785 4,656,866 SH   SOLE 2,765,025 0 1,891,841
ISHARES TR 1-3 YR TR BD ETF 464287457 52,789 624,801 SH   SOLE 379,972 0 244,829
ISHARES TR CORE S&P MCP ETF 464287507 329,729 1,895,540 SH   SOLE 1,145,539 0 750,001
ISHARES TR CORE S&P SCP ETF 464287804 275,376 3,927,768 SH   SOLE 2,448,350 0 1,479,418
ISHARES TR SHRT NAT MUN ETF 464288158 287 2,717 SH   SOLE 0 0 2,717
ISHARES TR NATIONAL MUN ETF 464288414 2,028 18,417 SH   SOLE 0 0 18,417
ISHARES TR INTL SEL DIV ETF 464288448 2,113 64,585 SH   SOLE 0 0 64,585
ISHARES TR IBOXX HI YD ETF 464288513 170,842 1,932,815 SH   SOLE 1,293,818 0 638,997
ISHARES TR 3-7 YR TR BD ETF 464288661 140,663 1,138,324 SH   SOLE 629,275 0 509,049
ISHARES TR U.S. PFD STK ETF 464288687 459 11,713 SH   SOLE 0 0 11,713
ISHARES TR EAFE GRWTH ETF 464288885 1,196 16,174 SH   SOLE 0 0 16,174
ISHARES TR US TREASURY ETF 46429B267 330 13,078 SH   SOLE 0 0 13,078
ISHARES TR IBONDS SEP19 ETF 46429B564 439 17,206 SH   SOLE 0 0 17,206
ISHARES TR IBONDS SEP18 ETF 46429B580 441 17,313 SH   SOLE 0 0 17,313
ISHARES TR FLTG RATE BD ETF 46429B655 17,782 349,210 SH   SOLE 244,467 0 104,743
MCDONALDS CORP COM 580135101 365 2,381 SH   SOLE 0 0 2,381
PEPSICO INC COM 713448108 266 2,302 SH   SOLE 0 0 2,302
PIMCO ETF TR 1-5 US TIP IDX 72201R205 75,961 1,456,030 SH   SOLE 1,446,768 0 9,262
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 9,358 92,326 SH   SOLE 2,939 0 89,387
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,778 66,635 SH   SOLE 2,930 0 63,705
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 60,412 2,610,738 SH   SOLE 1,385,522 0 1,225,216
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,210 115,519 SH   SOLE 0 0 115,519
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 445 8,555 SH   SOLE 0 0 8,555
SHERWIN WILLIAMS CO COM 824348106 1,288 3,671 SH   SOLE 0 0 3,671
SPDR GOLD TRUST GOLD SHS 78463V107 301 2,547 SH   SOLE 0 0 2,547
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 256 6,167 SH   SOLE 0 0 6,167
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,321 27,122 SH   SOLE 0 0 27,122
SPDR SER TR NUVEEN BLMBRG SR 78468R739 372 7,673 SH   SOLE 0 0 7,673
SPDR SER TR SSGA GNDER ETF 78468R747 234 3,484 SH   SOLE 0 0 3,484
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 456 2,106 SH   SOLE 0 0 2,106
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 306 6,169 SH   SOLE 0 0 6,169
SPDR SERIES TRUST BLOMBERG BRC SRT 78464A474 120,348 3,927,810 SH   SOLE 2,381,255 0 1,546,555
SPDR SERIES TRUST DJ REIT ETF 78464A607 454 4,885 SH   SOLE 0 0 4,885
SPDR SERIES TRUST S&P DIVID ETF 78464A763 200 2,248 SH   SOLE 0 0 2,248
TEEKAY LNG PARTNERS L P PRTNRSP UNITS Y8564M105 188 12,262 SH   SOLE 0 0 12,262
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 102,351 5,418,243 SH   SOLE 3,056,108 0 2,362,135
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 14,660 183,598 SH   SOLE 0 0 183,598
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 35,222 647,936 SH   SOLE 415,218 0 232,718
VANGUARD INDEX FDS REIT ETF 922908553 92,611 1,112,712 SH   SOLE 666,666 0 446,046
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,356 23,034 SH   SOLE 0 0 23,034
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 119,873 2,131,069 SH   SOLE 1,307,229 0 823,840
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 83,389 771,265 SH   SOLE 458,621 0 312,644
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 527,959 10,552,843 SH   SOLE 6,284,785 0 4,268,058
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 186,950 4,578,736 SH   SOLE 2,737,133 0 1,841,603
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 66,640 1,265,484 SH   SOLE 766,942 0 498,542
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,938 20,914 SH   SOLE 0 0 20,914
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,624 39,297 SH   SOLE 0 0 39,297
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,607 20,564 SH   SOLE 0 0 20,564
VANGUARD WORLD FDS ENERGY ETF 92204A306 24,924 281,625 SH   SOLE 280,521 0 1,104
VANGUARD WORLD FDS MATERIALS ETF 92204A801 24,777 203,761 SH   SOLE 202,398 0 1,363
WISDOMTREE TR EMG MKTS SMCAP 97717W281 4,984 108,932 SH   SOLE 107,811 0 1,121
WISDOMTREE TR US LARGECAP DIVD 97717W307 305 3,633 SH   SOLE 0 0 3,633
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,069 26,081 SH   SOLE 0 0 26,081
WISDOMTREE TR US MIDCAP DIVID 97717W505 234 2,397 SH   SOLE 0 0 2,397
WISDOMTREE TR US SMALLCAP DIVD 97717W604 973 12,085 SH   SOLE 0 0 12,085
WISDOMTREE TR INTL EQUITY FD 97717W703 1,941 37,405 SH   SOLE 0 0 37,405
WISDOMTREE TR ITL HIGH DIV FD 97717W802 277 6,630 SH   SOLE 0 0 6,630