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
ALTRIA GROUP INC COM 02209S103 401 8,721 SH   DFND 0 0 8,721
AMERICAN CAPITAL AGENCY CORP COM 02503X105 289 13,588 SH   DFND 0 0 13,588
ANNALY CAP MGMT INC COM 035710409 508 47,551 SH   DFND 0 0 47,551
APPLE INC COM 037833100 1,868 18,546 SH   DFND 0 0 18,546
AT&T INC COM 00206R102 1,258 35,697 SH   DFND 0 0 35,697
AUTOMATIC DATA PROCESSING IN COM 053015103 956 11,503 SH   DFND 0 0 11,503
BANK MONTREAL QUE COM 063671101 892 12,116 SH   DFND 0 0 12,116
BERKSHIRE HATHAWAY INC DEL CL A 084670108 414 2 SH   DFND 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 350 2,532 SH   DFND 0 0 2,532
BOEING CO COM 097023105 781 6,135 SH   DFND 0 0 6,135
CELGENE CORP COM 151020104 2,547 26,865 SH   DFND 0 0 26,865
CHESAPEAKE ENERGY CORP NOTE 2.250%12/1 165167CB1 29 30,000 PRN   DFND 0 0 30,000
CHEVRON CORP NEW COM 166764100 2,281 19,113 SH   DFND 0 0 19,113
CISCO SYS INC COM 17275R102 1,182 46,978 SH   DFND 0 0 46,978
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY 18383M399 579 21,652 SH   DFND 0 0 21,652
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 581 21,794 SH   DFND 0 0 21,794
CLAYMORE EXCHANGE TRD FD TR GUGG BULL 2015 18383M423 588 22,223 SH   DFND 0 0 22,223
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 518 24,520 SH   DFND 0 0 24,520
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 667 29,310 SH   DFND 0 0 29,310
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 736 32,962 SH   DFND 0 0 32,962
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 724 33,301 SH   DFND 0 0 33,301
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 724 34,356 SH   DFND 0 0 34,356
CLOROX CO DEL COM 189054109 1,439 14,984 SH   DFND 0 0 14,984
COCA COLA CO COM 191216100 333 7,817 SH   DFND 0 0 7,817
COLUMBIA PPTY TR INC COM NEW 198287203 278 11,606 SH   DFND 0 0 11,606
CONNECTICUT WTR SVC INC COM 207797101 221 6,795 SH   DFND 0 0 6,795
CONOCOPHILLIPS COM 20825C104 272 3,558 SH   DFND 0 0 3,558
CREDIT SUISSE NASSAU BRH EQL WGT MLP LKD 22542D852 908 25,289 SH   DFND 0 0 25,289
CSX CORP COM 126408103 201 6,292 SH   DFND 0 0 6,292
CUMMINS INC COM 231021106 409 3,101 SH   DFND 0 0 3,101
CVS HEALTH CORP COM 126650100 233 2,925 SH   DFND 0 0 2,925
DISNEY WALT CO COM DISNEY 254687106 410 4,610 SH   DFND 0 0 4,610
DIXIE GROUP INC CL A 255519100 173 20,000 SH   DFND 0 0 20,000
DOMINION RES INC VA NEW COM 25746U109 1,339 19,384 SH   DFND 0 0 19,384
DUKE ENERGY CORP NEW COM NEW 26441C204 449 6,012 SH   DFND 0 0 6,012
EMERSON ELEC CO COM 291011104 1,011 16,147 SH   DFND 0 0 16,147
ENTERPRISE PRODS PARTNERS L COM 293792107 214 5,303 SH   DFND 0 0 5,303
EOG RES INC COM 26875P101 569 5,742 SH   DFND 0 0 5,742
EXXON MOBIL CORP COM 30231G102 2,540 27,009 SH   DFND 0 0 27,009
FS INVT CORP COM 302635107 473 43,895 SH   DFND 0 0 43,895
GENERAL ELECTRIC CO COM 369604103 2,117 82,608 SH   DFND 0 0 82,608
GENUINE PARTS CO COM 372460105 727 8,290 SH   DFND 0 0 8,290
GILEAD SCIENCES INC COM 375558103 512 4,810 SH   DFND 0 0 4,810
HEALTH CARE REIT INC COM 42217K106 1,033 16,565 SH   DFND 0 0 16,565
INTEL CORP COM 458140100 2,039 58,555 SH   DFND 0 0 58,555
INTERNATIONAL BUSINESS MACHS COM 459200101 471 2,484 SH   DFND 0 0 2,484
ISHARES INTL DEV RE ETF 464288489 1,771 58,965 SH   DFND 1 58,965 0 0
ISHARES IBOXX HI YD ETF 464288513 352 3,830 SH   DFND 0 0 3,830
ISHARES 17 AMT-FREE ETF 464289271 737 13,344 SH   DFND 0 0 13,344
ISHARES 16 AMT-FREE ETF 464289313 704 13,168 SH   DFND 0 0 13,168
ISHARES 15 AMT-FREE ETF 464289339 697 13,187 SH   DFND 0 0 13,187
ISHARES GOLD TRUST ISHARES 464285105 282 24,109 SH   DFND 0 0 24,109
ISHARES INC CORE MSCI EMKT 46434G103 37,986 759,126 SH   DFND 1 759,126 0 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 256 8,672 SH   DFND 1 8,672 0 0
ISHARES TR TIPS BD ETF 464287176 2,318 20,677 SH   DFND 1 20,677 0 0
ISHARES TR TIPS BD ETF 464287176 1,486 13,262 SH   DFND 0 0 13,262
ISHARES TR CORE S&P500 ETF 464287200 2,387 12,040 SH   DFND 0 0 12,040
ISHARES TR CORE US AGGBD ET 464287226 3,204 29,363 SH   DFND 0 0 29,363
ISHARES TR MSCI EMG MKT ETF 464287234 213,046 5,126,211 SH   DFND 1 5,126,211 0 0
ISHARES TR S&P 500 VAL ETF 464287408 235 2,608 SH   DFND 0 0 2,608
ISHARES TR MSCI EAFE ETF 464287465 1,339 20,889 SH   DFND 0 0 20,889
ISHARES TR CORE S&P MCP ETF 464287507 2,776 20,302 SH   DFND 1 20,302 0 0
ISHARES TR COHEN&STEER REIT 464287564 775 9,180 SH   DFND 0 0 9,180
ISHARES TR RUS 1000 VAL ETF 464287598 5,668 56,627 SH   DFND 0 0 56,627
ISHARES TR RUS 1000 GRW ETF 464287614 6,229 67,981 SH   DFND 0 0 67,981
ISHARES TR RUS 2000 GRW ETF 464287648 621 4,790 SH   DFND 0 0 4,790
ISHARES TR RUSSELL 2000 ETF 464287655 1,747 15,972 SH   DFND 1 15,972 0 0
ISHARES TR FLTG RATE BD ETF 46429B655 1,625 31,998 SH   DFND 1 31,998 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 205 2,718 SH   DFND 0 0 2,718
ISHARES TR EAFE MIN VOL ETF 46429B689 505 8,068 SH   DFND 0 0 8,068
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,368 13,603 SH   DFND 1 13,603 0 0
JOHNSON & JOHNSON COM 478160104 2,693 25,264 SH   DFND 0 0 25,264
JPMORGAN CHASE & CO COM 46625H100 1,188 19,726 SH   DFND 0 0 19,726
KAYNE ANDERSON MLP INVT CO COM 486606106 604 14,779 SH   DFND 0 0 14,779
KIMBERLY CLARK CORP COM 494368103 1,398 12,995 SH   DFND 0 0 12,995
LOCKHEED MARTIN CORP COM 539830109 1,341 7,335 SH   DFND 0 0 7,335
MARRIOTT INTL INC NEW CL A 571903202 1,583 22,649 SH   DFND 0 0 22,649
MCDONALDS CORP COM 580135101 399 4,213 SH   DFND 0 0 4,213
MERCK & CO INC NEW COM 58933Y105 257 4,343 SH   DFND 0 0 4,343
MICROSOFT CORP COM 594918104 1,812 39,067 SH   DFND 0 0 39,067
NATIONAL GRID PLC SPON ADR NEW 636274300 1,492 20,757 SH   DFND 0 0 20,757
NORFOLK SOUTHERN CORP COM 655844108 317 2,841 SH   DFND 0 0 2,841
NOVARTIS A G SPONSORED ADR 66987V109 1,807 19,190 SH   DFND 0 0 19,190
ORACLE CORP COM 68389X105 303 7,922 SH   DFND 0 0 7,922
PAYCHEX INC COM 704326107 1,705 38,582 SH   DFND 0 0 38,582
PEPSICO INC COM 713448108 1,491 16,017 SH   DFND 0 0 16,017
PFIZER INC COM 717081103 406 13,729 SH   DFND 0 0 13,729
PHILIP MORRIS INTL INC COM 718172109 923 11,070 SH   DFND 0 0 11,070
PIMCO ETF TR ENHAN SHRT MAT 72201R833 1,748 17,242 SH   DFND 0 0 17,242
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 585 16,724 SH   DFND 0 0 16,724
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 205 2,070 SH   DFND 0 0 2,070
PROCTER & GAMBLE CO COM 742718109 12,232 146,069 SH   DFND 0 0 146,069
QUALCOMM INC COM 747525103 310 4,148 SH   DFND 0 0 4,148
REALTY INCOME CORP COM 756109104 1,000 24,511 SH   DFND 0 0 24,511
REYNOLDS AMERICAN INC COM 761713106 1,021 17,302 SH   DFND 0 0 17,302
ROSS STORES INC COM 778296103 377 4,993 SH   DFND 0 0 4,993
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 682 8,615 SH   DFND 0 0 8,615
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 342 4,486 SH   DFND 0 0 4,486
SANDY SPRING BANCORP INC COM 800363103 735 32,125 SH   DFND 0 0 32,125
SIRIUS XM HLDGS INC COM 82968B103 126 36,093 SH   DFND 0 0 36,093
SPDR GOLD TRUST GOLD SHS 78463V107 494 4,252 SH   DFND 0 0 4,252
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,067 10,493 SH   DFND 0 0 10,493
SPDR S&P 500 ETF TR TR UNIT 78462F103 18,821 95,533 SH   DFND 1 95,533 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 767 19,071 SH   DFND 1 19,071 0 0
SPDR SERIES TRUST S&P 500 VALUE 78464A508 205 2,100 SH   DFND 0 0 2,100
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,816 49,094 SH   DFND 1 49,094 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 179,065 3,210,792 SH   DFND 1 3,210,792 0 0
SPECTRA ENERGY CORP COM 847560109 964 24,543 SH   DFND 0 0 24,543
STARBUCKS CORP COM 855244109 271 3,581 SH   DFND 0 0 3,581
SYSCO CORP COM 871829107 890 23,447 SH   DFND 0 0 23,447
TARGET CORP COM 87612E106 1,287 20,538 SH   DFND 0 0 20,538
TOWNEBANK PORTSMOUTH VA COM 89214P109 788 58,052 SH   DFND 0 0 58,052
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 215 1,826 SH   DFND 0 0 1,826
UNITED PARCEL SERVICE INC CL B 911312106 734 7,463 SH   DFND 0 0 7,463
US BANCORP DEL COM NEW 902973304 336 8,023 SH   DFND 0 0 8,023
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 10,594 117,416 SH   DFND 1 117,416 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 876 10,944 SH   DFND 0 0 10,944
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,863 23,272 SH   DFND 1 23,272 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 115,216 1,406,278 SH   DFND 1 1,406,278 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,249 120,718 SH   DFND 1 120,718 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,832 70,962 SH   DFND 1 70,962 0 0
VANGUARD INDEX FDS REIT ETF 922908553 225 3,129 SH   DFND 0 0 3,129
VANGUARD INDEX FDS REIT ETF 922908553 6,532 90,916 SH   DFND 1 90,916 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,072 42,142 SH   DFND 1 42,142 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 302 3,024 SH   DFND 0 0 3,024
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,351 83,732 SH   DFND 1 83,732 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 313 3,139 SH   DFND 0 0 3,139
VANGUARD INDEX FDS TOTAL STK MKT 922908769 569 5,622 SH   DFND 0 0 5,622
VANGUARD INDEX FDS TOTAL STK MKT 922908769 46,527 459,570 SH   DFND 1 459,570 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,462 81,953 SH   DFND 1 81,953 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 17,008 166,531 SH   DFND 1 166,531 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 735 12,185 SH   DFND 1 12,185 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 17,099 347,249 SH   DFND 1 347,249 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,887 261,015 SH   DFND 1 261,015 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 19,526 329,280 SH   DFND 1 329,280 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 10,384 188,045 SH   DFND 1 188,045 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,161 177,306 SH   DFND 1 177,306 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 44,375 844,099 SH   DFND 1 844,099 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 17,349 225,456 SH   DFND 1 225,456 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 957 12,442 SH   DFND 0 0 12,442
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 33,515 843,153 SH   DFND 1 843,153 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 757 11,399 SH   DFND 0 0 11,399
VANGUARD WORLD FD MEGA GRWTH IND 921910816 27,889 358,560 SH   DFND 1 358,560 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 34,721 591,807 SH   DFND 1 591,807 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 201 1,823 SH   DFND 0 0 1,823
VERIZON COMMUNICATIONS INC COM 92343V104 775 15,505 SH   DFND 0 0 15,505
WAL-MART STORES INC COM 931142103 351 4,590 SH   DFND 0 0 4,590
WASTE MGMT INC DEL COM 94106L109 849 17,855 SH   DFND 0 0 17,855
WELLS FARGO & CO NEW COM 949746101 1,588 30,600 SH   DFND 0 0 30,600
WESTPAC BKG CORP SPONSORED ADR 961214301 1,268 45,123 SH   DFND 0 0 45,123