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
Estimated average burden
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
ALLIANCEBERNSTEIN INCOME FUN COM 01881E101 85 11,495 SH   DFND 0 0 11,495
ALTRIA GROUP INC COM 02209S103 538 10,917 SH   DFND 0 0 10,917
AMERICAN CAPITAL AGENCY CORP COM 02503X105 293 13,417 SH   DFND 0 0 13,417
ANNALY CAP MGMT INC COM 035710409 562 52,015 SH   DFND 0 0 52,015
APPLE INC COM 037833100 2,428 22,006 SH   DFND 0 0 22,006
AT&T INC COM 00206R102 1,401 41,726 SH   DFND 0 0 41,726
AUTOMATIC DATA PROCESSING IN COM 053015103 994 11,919 SH   DFND 0 0 11,919
BANK AMER CORP COM 060505104 203 11,315 SH   DFND 0 0 11,315
BANK MONTREAL QUE COM 063671101 891 12,597 SH   DFND 0 0 12,597
BB&T CORP COM 054937107 209 5,365 SH   DFND 0 0 5,365
BERKSHIRE HATHAWAY INC DEL CL A 084670108 452 2 SH   DFND 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 474 3,157 SH   DFND 0 0 3,157
BERKSHIRE HILLS BANCORP INC COM 084680107 211 7,932 SH   DFND 0 0 7,932
BOEING CO COM 097023105 853 6,562 SH   DFND 0 0 6,562
CATERPILLAR INC DEL COM 149123101 239 2,612 SH   DFND 0 0 2,612
CELGENE CORP COM 151020104 2,931 26,203 SH   DFND 0 0 26,203
CHESAPEAKE ENERGY CORP NOTE 2.250%12/1 165167CB1 27 30,000 PRN   DFND 0 0 30,000
CHEVRON CORP NEW COM 166764100 2,615 23,313 SH   DFND 0 0 23,313
CISCO SYS INC COM 17275R102 1,363 48,970 SH   DFND 0 0 48,970
CITY NATL CORP COM 178566105 542 6,704 SH   DFND 0 0 6,704
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 564 21,794 SH   DFND 0 0 21,794
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY 18383M399 562 21,652 SH   DFND 0 0 21,652
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 640 30,299 SH   DFND 0 0 30,299
CLAYMORE EXCHANGE TRD FD TR GUGG BULL 2015 18383M423 575 22,223 SH   DFND 0 0 22,223
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 844 38,929 SH   DFND 0 0 38,929
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 867 39,237 SH   DFND 0 0 39,237
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 788 34,690 SH   DFND 0 0 34,690
CLOROX CO DEL COM 189054109 1,613 15,485 SH   DFND 0 0 15,485
COCA COLA CO COM 191216100 422 10,002 SH   DFND 0 0 10,002
COLUMBIA PPTY TR INC COM NEW 198287203 266 10,590 SH   DFND 0 0 10,590
CONNECTICUT WTR SVC INC COM 207797101 247 6,795 SH   DFND 0 0 6,795
CONOCOPHILLIPS COM 20825C104 294 4,256 SH   DFND 0 0 4,256
CREDIT SUISSE NASSAU BRH EQL WGT MLP LKD 22542D852 202 6,324 SH   DFND 0 0 6,324
CSX CORP COM 126408103 257 7,100 SH   DFND 0 0 7,100
CU BANCORP CALIF COM 126534106 527 24,291 SH   DFND 0 0 24,291
CUMMINS INC COM 231021106 499 3,462 SH   DFND 0 0 3,462
CVS HEALTH CORP COM 126650100 298 3,101 SH   DFND 0 0 3,101
DISNEY WALT CO COM DISNEY 254687106 514 5,466 SH   DFND 0 0 5,466
DIXIE GROUP INC CL A 255519100 183 20,000 SH   DFND 0 0 20,000
DOMINION RES INC VA NEW COM 25746U109 1,970 25,611 SH   DFND 0 0 25,611
DUKE ENERGY CORP NEW COM NEW 26441C204 496 5,938 SH   DFND 0 0 5,938
EMERSON ELEC CO COM 291011104 1,097 17,771 SH   DFND 0 0 17,771
EOG RES INC COM 26875P101 592 6,426 SH   DFND 0 0 6,426
EXELON CORP COM 30161N101 231 6,226 SH   DFND 0 0 6,226
EXXON MOBIL CORP COM 30231G102 2,498 27,020 SH   DFND 0 0 27,020
FORD MTR CO DEL COM PAR $0.01 345370860 193 12,509 SH   DFND 0 0 12,509
FS INVT CORP COM 302635107 389 39,145 SH   DFND 0 0 39,145
GENERAL ELECTRIC CO COM 369604103 2,284 90,399 SH   DFND 0 0 90,399
GENUINE PARTS CO COM 372460105 890 8,348 SH   DFND 0 0 8,348
GILEAD SCIENCES INC COM 375558103 414 4,396 SH   DFND 0 0 4,396
HASBRO INC COM 418056107 679 12,348 SH   DFND 0 0 12,348
HEALTH CARE REIT INC COM 42217K106 1,252 16,549 SH   DFND 0 0 16,549
INTEL CORP COM 458140100 2,028 55,878 SH   DFND 0 0 55,878
INTERNATIONAL BUSINESS MACHS COM 459200101 340 2,120 SH   DFND 0 0 2,120
ISHARES 15 AMT-FREE ETF 464289339 816 15,482 SH   DFND 0 0 15,482
ISHARES 16 AMT-FREE ETF 464289313 823 15,443 SH   DFND 0 0 15,443
ISHARES 17 AMT-FREE ETF 464289271 856 15,594 SH   DFND 0 0 15,594
ISHARES IBOXX HI YD ETF 464288513 278 3,107 SH   DFND 0 0 3,107
ISHARES INTL DEV RE ETF 464288489 1,867 62,184 SH   DFND 1 62,184 0 0
ISHARES INTL SEL DIV ETF 464288448 535 15,870 SH   DFND 0 0 15,870
ISHARES GOLD TRUST ISHARES 464285105 198 17,299 SH   DFND 0 0 17,299
ISHARES INC CORE MSCI EMKT 46434G103 3 59 SH   DFND 0 0 59
ISHARES INC CORE MSCI EMKT 46434G103 41,102 873,975 SH   DFND 1 873,975 0 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 232 10,770 SH   DFND 1 10,770 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,394 14,072 SH   DFND 1 14,072 0 0
ISHARES TR 18 AMT-FREE ETF 46429B580 259 10,123 SH   DFND 0 0 10,123
ISHARES TR 19 AMT-FREE MN 46429B564 224 8,823 SH   DFND 0 0 8,823
ISHARES TR COHEN&STEER REIT 464287564 779 8,047 SH   DFND 0 0 8,047
ISHARES TR CORE HIGH DV ETF 46429B663 236 3,088 SH   DFND 0 0 3,088
ISHARES TR CORE S&P MCP ETF 464287507 150 1,040 SH   DFND 0 0 1,040
ISHARES TR CORE S&P MCP ETF 464287507 2,995 20,690 SH   DFND 1 20,690 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,489 12,032 SH   DFND 0 0 12,032
ISHARES TR CORE US AGGBD ET 464287226 4,197 38,117 SH   DFND 0 0 38,117
ISHARES TR EAFE MIN VOL ETF 46429B689 566 9,177 SH   DFND 0 0 9,177
ISHARES TR FLTG RATE BD ETF 46429B655 1,599 31,625 SH   DFND 1 31,625 0 0
ISHARES TR FLTG RATE BD ETF 46429B655 118 2,331 SH   DFND 0 0 2,331
ISHARES TR MSCI EAFE ETF 464287465 726 11,936 SH   DFND 0 0 11,936
ISHARES TR MSCI EMG MKT ETF 464287234 118 2,989 SH   DFND 0 0 2,989
ISHARES TR MSCI EMG MKT ETF 464287234 244,957 6,234,580 SH   DFND 1 6,234,580 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,608 69,109 SH   DFND 0 0 69,109
ISHARES TR RUS 1000 VAL ETF 464287598 6,020 57,667 SH   DFND 0 0 57,667
ISHARES TR RUS 2000 GRW ETF 464287648 690 4,847 SH   DFND 0 0 4,847
ISHARES TR RUSSELL 2000 ETF 464287655 385 3,224 SH   DFND 0 0 3,224
ISHARES TR RUSSELL 2000 ETF 464287655 2,248 18,783 SH   DFND 1 18,783 0 0
ISHARES TR S&P 500 VAL ETF 464287408 322 3,433 SH   DFND 0 0 3,433
ISHARES TR TIPS BD ETF 464287176 2,214 19,764 SH   DFND 1 19,764 0 0
ISHARES TR TIPS BD ETF 464287176 1,545 13,794 SH   DFND 0 0 13,794
JOHNSON & JOHNSON COM 478160104 2,755 26,341 SH   DFND 0 0 26,341
JPMORGAN CHASE & CO COM 46625H100 1,290 20,614 SH   DFND 0 0 20,614
KAYNE ANDERSON MLP INVT CO COM 486606106 1,125 29,460 SH   DFND 0 0 29,460
KIMBERLY CLARK CORP COM 494368103 1,566 13,550 SH   DFND 0 0 13,550
KRAFT FOODS GROUP INC COM 50076Q106 814 12,997 SH   DFND 0 0 12,997
LINCOLN NATL CORP IND COM 534187109 217 3,762 SH   DFND 0 0 3,762
LOCKHEED MARTIN CORP COM 539830109 1,357 7,047 SH   DFND 0 0 7,047
MARRIOTT INTL INC NEW CL A 571903202 1,767 22,649 SH   DFND 0 0 22,649
MCDONALDS CORP COM 580135101 489 5,213 SH   DFND 0 0 5,213
MERCK & CO INC NEW COM 58933Y105 246 4,325 SH   DFND 0 0 4,325
MICROSOFT CORP COM 594918104 1,889 40,667 SH   DFND 0 0 40,667
NATIONAL GRID PLC SPON ADR NEW 636274300 1,512 21,398 SH   DFND 0 0 21,398
NORFOLK SOUTHERN CORP COM 655844108 364 3,323 SH   DFND 0 0 3,323
NOVARTIS A G SPONSORED ADR 66987V109 1,817 19,609 SH   DFND 0 0 19,609
ORACLE CORP COM 68389X105 373 8,297 SH   DFND 0 0 8,297
PAYCHEX INC COM 704326107 1,796 38,907 SH   DFND 0 0 38,907
PEPSICO INC COM 713448108 1,587 16,788 SH   DFND 0 0 16,788
PFIZER INC COM 717081103 520 16,680 SH   DFND 0 0 16,680
PHILIP MORRIS INTL INC COM 718172109 917 11,261 SH   DFND 0 0 11,261
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,931 19,107 SH   DFND 0 0 19,107
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 638 16,815 SH   DFND 0 0 16,815
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 203 1,962 SH   DFND 0 0 1,962
PROCTER & GAMBLE CO COM 742718109 14,854 163,082 SH   DFND 0 0 163,082
PROSHARES TR PSHS SH MSCI EAF 74347R370 229 6,628 SH   DFND 0 0 6,628
QUALCOMM INC COM 747525103 306 4,116 SH   DFND 0 0 4,116
REALTY INCOME CORP COM 756109104 1,252 26,248 SH   DFND 0 0 26,248
REYNOLDS AMERICAN INC COM 761713106 991 15,425 SH   DFND 0 0 15,425
ROSS STORES INC COM 778296103 408 4,325 SH   DFND 0 0 4,325
SANDY SPRING BANCORP INC COM 800363103 838 32,125 SH   DFND 0 0 32,125
SIRIUS XM HLDGS INC COM 82968B103 132 37,658 SH   DFND 0 0 37,658
SPDR GOLD TRUST GOLD SHS 78463V107 853 7,513 SH   DFND 0 0 7,513
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,185 10,630 SH   DFND 0 0 10,630
SPDR S&P 500 ETF TR TR UNIT 78462F103 18,087 88,014 SH   DFND 1 88,014 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 181,804 3,247,657 SH   DFND 1 3,247,657 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 77 1,378 SH   DFND 0 0 1,378
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 1,379 35,699 SH   DFND 1 35,699 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 8 200 SH   DFND 0 0 200
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,902 52,482 SH   DFND 1 52,482 0 0
SPDR SERIES TRUST S&P 500 VALUE 78464A508 213 2,100 SH   DFND 0 0 2,100
SPDR SERIES TRUST S&P DIVID ETF 78464A763 353 4,485 SH   DFND 0 0 4,485
SPECTRA ENERGY CORP COM 847560109 1,561 42,991 SH   DFND 0 0 42,991
STARBUCKS CORP COM 855244109 322 3,918 SH   DFND 0 0 3,918
TARGET CORP COM 87612E106 1,312 17,277 SH   DFND 0 0 17,277
TOWNEBANK PORTSMOUTH VA COM 89214P109 966 63,874 SH   DFND 0 0 63,874
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 242 1,926 SH   DFND 0 0 1,926
UNITED PARCEL SERVICE INC CL B 911312106 919 8,268 SH   DFND 0 0 8,268
US BANCORP DEL COM NEW 902973304 371 8,245 SH   DFND 0 0 8,245
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 12,192 129,372 SH   DFND 1 129,372 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 935 11,695 SH   DFND 0 0 11,695
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,030 25,382 SH   DFND 1 25,382 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 70 851 SH   DFND 0 0 851
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 128,504 1,560,084 SH   DFND 1 1,560,084 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 360 3,447 SH   DFND 0 0 3,447
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 7,673 75,515 SH   DFND 1 75,515 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,473 128,289 SH   DFND 1 128,289 0 0
VANGUARD INDEX FDS REIT ETF 922908553 7,777 96,016 SH   DFND 1 96,016 0 0
VANGUARD INDEX FDS REIT ETF 922908553 265 3,272 SH   DFND 0 0 3,272
VANGUARD INDEX FDS SM CP VAL ETF 922908611 9,615 90,902 SH   DFND 1 90,902 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 322 3,045 SH   DFND 0 0 3,045
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3 21 SH   DFND 0 0 21
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,804 46,088 SH   DFND 1 46,088 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 611 5,766 SH   DFND 0 0 5,766
VANGUARD INDEX FDS TOTAL STK MKT 922908769 51,793 488,611 SH   DFND 1 488,611 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 273 3,230 SH   DFND 0 0 3,230
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 83 1,771 SH   DFND 0 0 1,771
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 17,998 384,079 SH   DFND 1 384,079 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 98 2,444 SH   DFND 0 0 2,444
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,090 302,101 SH   DFND 1 302,101 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 10,699 204,134 SH   DFND 1 204,134 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 20,642 361,821 SH   DFND 1 361,821 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 18,185 190,518 SH   DFND 1 190,518 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,788 89,465 SH   DFND 1 89,465 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 723 12,023 SH   DFND 1 12,023 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 133 2,205 SH   DFND 0 0 2,205
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 49,322 930,412 SH   DFND 1 930,412 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 122 1,527 SH   DFND 0 0 1,527
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 15,824 198,722 SH   DFND 1 198,722 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 19,178 236,302 SH   DFND 1 236,302 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,195 14,717 SH   DFND 0 0 14,717
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 37 965 SH   DFND 0 0 965
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,772 917,953 SH   DFND 1 917,953 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 814 11,834 SH   DFND 0 0 11,834
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 37 605 SH   DFND 0 0 605
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 38,182 628,725 SH   DFND 1 628,725 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 30,586 376,345 SH   DFND 1 376,345 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 939 20,080 SH   DFND 0 0 20,080
VSE CORP COM 918284100 528 8,008 SH   DFND 0 0 8,008
WAL-MART STORES INC COM 931142103 439 5,118 SH   DFND 0 0 5,118
WASTE MGMT INC DEL COM 94106L109 926 18,040 SH   DFND 0 0 18,040
WELLS FARGO & CO NEW COM 949746101 1,777 32,416 SH   DFND 0 0 32,416
WESTPAC BKG CORP SPONSORED ADR 961214301 1,473 54,738 SH   DFND 0 0 54,738
WINDSTREAM HLDGS INC COM 97382A101 87 10,614 SH   DFND 0 0 10,614