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 1,344 8,720 SH   SOLE 0 0 8,720
AT&T INC COM 00206R102 210 5,358 SH   SOLE 0 0 5,358
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 551 3,005 SH   SOLE 0 0 3,005
BOEING CO COM 097023105 308 1,210 SH   SOLE 0 0 1,210
CDN IMPERIAL BK COMM TORONTO COM 136069101 500 5,709 SH   SOLE 0 0 5,709
CENTRAL FD CDA LTD CL A 153501101 127 10,000 SH   SOLE 0 0 10,000
CLAYMORE EXCHANGE TRD FD TR GUGG MSCI GB ETF 18383Q879 60,543 2,011,395 SH   SOLE 830,422 0 1,180,973
DISNEY WALT CO COM DISNEY 254687106 229 2,321 SH   SOLE 0 0 2,321
EXXON MOBIL CORP COM 30231G102 238 2,908 SH   SOLE 0 0 2,908
FLEXSHARES TR MORNSTAR UPSTR 33939L407 144,716 4,645,780 SH   SOLE 2,297,220 0 2,348,560
FLEXSHARES TR IBOXX 3R TARGT 33939L506 199,158 8,109,026 SH   SOLE 3,458,256 0 4,650,770
GENERAL ELECTRIC CO COM 369604103 245 10,134 SH   SOLE 0 0 10,134
GOLDMAN SACHS GROUP INC COM 38141G104 213 900 SH   SOLE 0 0 900
ISHARES TR CORE S&P TTL STK 464287150 36,091 626,262 SH   SOLE 0 0 626,262
ISHARES TR SELECT DIVID ETF 464287168 5,468 58,385 SH   SOLE 0 0 58,385
ISHARES TR CORE US AGGBD ET 464287226 507 4,626 SH   SOLE 0 0 4,626
ISHARES TR MSCI EMG MKT ETF 464287234 318 7,101 SH   SOLE 0 0 7,101
ISHARES TR IBOXX INV CP ETF 464287242 195,754 1,614,731 SH   SOLE 922,611 0 692,120
ISHARES TR S&P 500 GRWT ETF 464287309 475,701 3,316,839 SH   SOLE 1,942,748 0 1,374,091
ISHARES TR NORTH AMERN NAT 464287374 385 11,435 SH   SOLE 0 0 11,435
ISHARES TR S&P 500 VAL ETF 464287408 500,805 4,640,947 SH   SOLE 2,725,005 0 1,915,942
ISHARES TR 1 3 YR TREAS BD 464287457 53,557 634,182 SH   SOLE 383,724 0 250,458
ISHARES TR CORE S&P MCP ETF 464287507 339,531 1,897,882 SH   SOLE 1,136,336 0 761,546
ISHARES TR CORE S&P SCP ETF 464287804 287,927 3,879,367 SH   SOLE 2,383,349 0 1,496,018
ISHARES TR SHRT NAT MUN ETF 464288158 272 2,567 SH   SOLE 0 0 2,567
ISHARES TR NATIONAL MUN ETF 464288414 2,163 19,511 SH   SOLE 0 0 19,511
ISHARES TR INTL SEL DIV ETF 464288448 2,652 78,545 SH   SOLE 0 0 78,545
ISHARES TR IBOXX HI YD ETF 464288513 173,376 1,953,316 SH   SOLE 1,299,257 0 654,059
ISHARES TR 3 7 YR TREAS BD 464288661 142,232 1,151,579 SH   SOLE 635,511 0 516,068
ISHARES TR S&P US PFD STK 464288687 455 11,713 SH   SOLE 0 0 11,713
ISHARES TR EAFE GRWTH ETF 464288885 1,523 19,684 SH   SOLE 0 0 19,684
ISHARES TR US TREAS BD ETF 46429B267 356 14,106 SH   SOLE 0 0 14,106
ISHARES TR IBONDS SEP19 ETF 46429B564 525 20,552 SH   SOLE 0 0 20,552
ISHARES TR IBONDS SEP18 ETF 46429B580 527 20,677 SH   SOLE 0 0 20,677
ISHARES TR FLTG RATE NT ETF 46429B655 17,999 353,338 SH   SOLE 246,187 0 107,151
ISHARES TR IBONDS SEP20 ETF 46434V571 517 20,130 SH   SOLE 0 0 20,130
MCDONALDS CORP COM 580135101 391 2,494 SH   SOLE 0 0 2,494
MICROSOFT CORP COM 594918104 207 2,782 SH   SOLE 0 0 2,782
PEPSICO INC COM 713448108 264 2,373 SH   SOLE 0 0 2,373
PIMCO ETF TR 1-5 US TIP IDX 72201R205 205 3,936 SH   SOLE 0 0 3,936
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 9,670 95,235 SH   SOLE 3,120 0 92,115
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,125 60,171 SH   SOLE 3,109 0 57,062
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 61,319 2,647,636 SH   SOLE 1,400,299 0 1,247,337
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,512 139,144 SH   SOLE 0 0 139,144
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 456 8,601 SH   SOLE 0 0 8,601
SHERWIN WILLIAMS CO COM 824348106 1,083 3,024 SH   SOLE 0 0 3,024
SIRIUS XM HLDGS INC COM 82968B103 55 10,000 SH   SOLE 0 0 10,000
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 283 6,167 SH   SOLE 0 0 6,167
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,313 26,853 SH   SOLE 0 0 26,853
SPDR SER TR NUVEEN BLMBRG SR 78468R739 295 6,062 SH   SOLE 0 0 6,062
SPDR SER TR SSGA GNDER ETF 78468R747 242 3,484 SH   SOLE 0 0 3,484
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 479 2,102 SH   SOLE 0 0 2,102
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 315 6,169 SH   SOLE 0 0 6,169
SPDR SERIES TRUST BLOMBERG BRC SRT 78464A474 121,919 3,975,184 SH   SOLE 2,401,085 0 1,574,099
SPDR SERIES TRUST DJ REIT ETF 78464A607 440 4,760 SH   SOLE 0 0 4,760
SPDR SERIES TRUST S&P DIVID ETF 78464A763 212 2,323 SH   SOLE 0 0 2,323
TEEKAY LNG PARTNERS L P PRTNRSP UNITS Y8564M105 218 12,262 SH   SOLE 0 0 12,262
UNITEDHEALTH GROUP INC COM 91324P102 207 1,059 SH   SOLE 0 0 1,059
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 104,305 5,432,528 SH   SOLE 3,035,995 0 2,396,533
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 15,540 194,688 SH   SOLE 0 0 194,688
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 35,798 655,755 SH   SOLE 419,014 0 236,741
VANGUARD INDEX FDS REIT ETF 922908553 94,421 1,136,367 SH   SOLE 681,124 0 455,243
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,612 24,386 SH   SOLE 0 0 24,386
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 124,236 2,091,161 SH   SOLE 1,261,152 0 830,009
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 86,514 752,752 SH   SOLE 439,122 0 313,630
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 547,009 10,377,711 SH   SOLE 6,088,006 0 4,289,705
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 193,870 4,449,614 SH   SOLE 2,601,375 0 1,848,239
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 76,430 1,545,605 SH   SOLE 1,539,955 0 5,650
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 67,707 1,282,823 SH   SOLE 772,354 0 510,469
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 2,297 24,236 SH   SOLE 0 0 24,236
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,754 40,405 SH   SOLE 0 0 40,405
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2,029 25,030 SH   SOLE 0 0 25,030
VANGUARD WORLD FDS ENERGY ETF 92204A306 24,693 263,873 SH   SOLE 263,044 0 829
VANGUARD WORLD FDS MATERIALS ETF 92204A801 25,039 194,826 SH   SOLE 193,463 0 1,363
WISDOMTREE TR EMG MKTS SMCAP 97717W281 5,087 103,753 SH   SOLE 102,632 0 1,121
WISDOMTREE TR US LARGECAP DIVD 97717W307 315 3,633 SH   SOLE 0 0 3,633
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,312 30,511 SH   SOLE 0 0 30,511
WISDOMTREE TR US MIDCAP DIVID 97717W505 243 2,431 SH   SOLE 0 0 2,431
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,204 14,326 SH   SOLE 0 0 14,326
WISDOMTREE TR INTL EQUITY FD 97717W703 2,486 45,656 SH   SOLE 0 0 45,656
WISDOMTREE TR ITL HIGH DIV FD 97717W802 294 6,723 SH   SOLE 0 0 6,723