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 274 7,154 SH   DFND 0 0 7,154
AMERICAN CAPITAL AGENCY CORP COM 02503X105 203 10,570 SH   DFND 0 0 10,570
ANNALY CAP MGMT INC COM 035710409 386 38,558 SH   DFND 0 0 38,558
APPLE INC COM 037833100 1,015 1,809 SH   DFND 0 0 1,809
AT&T INC COM 00206R102 1,052 30,041 SH   DFND 0 0 30,041
AUTOMATIC DATA PROCESSING IN COM 053015103 779 9,558 SH   DFND 0 0 9,558
BANK MONTREAL QUE COM 063671101 656 9,820 SH   DFND 0 0 9,820
BERKSHIRE HILLS BANCORP INC COM 084680107 213 7,829 SH   DFND 0 0 7,829
BOEING CO COM 097023105 602 4,378 SH   DFND 0 0 4,378
CELGENE CORP COM 151020104 2,142 12,690 SH   DFND 0 0 12,690
CHEVRON CORP NEW COM 166764100 1,629 13,119 SH   DFND 0 0 13,119
CISCO SYS INC COM 17275R102 826 36,909 SH   DFND 0 0 36,909
CLOROX CO DEL COM 189054109 1,139 12,258 SH   DFND 0 0 12,258
COCA COLA CO COM 191216100 248 5,965 SH   DFND 0 0 5,965
CONNECTICUT WTR SVC INC COM 207797101 207 5,795 SH   DFND 0 0 5,795
CUMMINS INC COM 231021106 281 1,995 SH   DFND 0 0 1,995
DOMINION RES INC VA NEW COM 25746U109 561 8,692 SH   DFND 0 0 8,692
DUKE ENERGY CORP NEW COM NEW 26441C204 296 4,284 SH   DFND 0 0 4,284
EMERSON ELEC CO COM 291011104 931 13,206 SH   DFND 0 0 13,206
EOG RES INC COM 26875P101 305 1,825 SH   DFND 0 0 1,825
EXXON MOBIL CORP COM 30231G102 2,304 22,758 SH   DFND 0 0 22,758
GENERAL ELECTRIC CO COM 369604103 1,793 63,999 SH   DFND 0 0 63,999
GENUINE PARTS CO COM 372460105 565 6,843 SH   DFND 0 0 6,843
HEALTH CARE REIT INC COM 42217K106 933 17,438 SH   DFND 0 0 17,438
INTEL CORP COM 458140100 1,252 48,541 SH   DFND 0 0 48,541
INTERNATIONAL BUSINESS MACHS COM 459200101 356 1,893 SH   DFND 0 0 1,893
ISHARES TIPS BD ETF 464287176 520 4,727 SH   DFND 0 0 4,727
ISHARES TIPS BD ETF 464287176 2,250 20,478 SH   DFND 1 20,478 0 0
ISHARES CORE S&P500 ETF 464287200 384 2,061 SH   DFND 0 0 2,061
ISHARES CORE S&P MCP ETF 464287507 1,777 13,278 SH   DFND 1 13,278 0 0
ISHARES RUS 1000 VAL ETF 464287598 4,507 47,826 SH   DFND 0 0 47,826
ISHARES RUS 1000 GRW ETF 464287614 5,442 63,313 SH   DFND 0 0 63,313
ISHARES RUS 2000 GRW ETF 464287648 464 3,420 SH   DFND 0 0 3,420
ISHARES RUSSELL 2000 ETF 464287655 1,803 15,638 SH   DFND 1 15,638 0 0
ISHARES INTL DEV RE ETF 464288489 1,168 37,784 SH   DFND 1 37,784 0 0
ISHARES FLTG RATE BD ETF 46429B655 1,554 30,642 SH   DFND 1 30,642 0 0
ISHARES 0-5 YR TIPS ETF 46429B747 1,210 11,971 SH   DFND 1 11,971 0 0
ISHARES GOLD TRUST ISHARES 464285105 168 14,273 SH   DFND 0 0 14,273
ISHARES INC CORE MSCI EMKT 46434G103 34,978 702,251 SH   DFND 1 702,251 0 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 836 25,958 SH   DFND 1 25,958 0 0
JOHNSON & JOHNSON COM 478160104 1,909 20,898 SH   DFND 0 0 20,898
KIMBERLY CLARK CORP COM 494368103 1,141 10,943 SH   DFND 0 0 10,943
LOCKHEED MARTIN CORP COM 539830109 898 6,066 SH   DFND 0 0 6,066
MARRIOTT INTL INC NEW CL A 571903202 987 19,990 SH   DFND 0 0 19,990
MCDONALDS CORP COM 580135101 1,446 14,909 SH   DFND 0 0 14,909
MICROSOFT CORP COM 594918104 1,175 31,532 SH   DFND 0 0 31,532
NATIONAL GRID PLC SPON ADR NEW 636274300 1,136 17,427 SH   DFND 0 0 17,427
NORFOLK SOUTHERN CORP COM 655844108 240 2,568 SH   DFND 0 0 2,568
NOVARTIS A G SPONSORED ADR 66987V109 1,348 16,799 SH   DFND 0 0 16,799
PAYCHEX INC COM 704326107 1,407 30,744 SH   DFND 0 0 30,744
PEPSICO INC COM 713448108 1,002 12,111 SH   DFND 0 0 12,111
PHILIP MORRIS INTL INC COM 718172109 911 10,463 SH   DFND 0 0 10,463
PIMCO ETF TR ENHAN SHRT MAT 72201R833 725 7,138 SH   DFND 0 0 7,138
PROCTER & GAMBLE CO COM 742718109 8,498 104,381 SH   DFND 0 0 104,381
QUALCOMM INC COM 747525103 235 3,153 SH   DFND 0 0 3,153
REALTY INCOME CORP COM 756109104 660 17,633 SH   DFND 0 0 17,633
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 471 6,306 SH   DFND 0 0 6,306
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 301 4,264 SH   DFND 0 0 4,264
SPDR GOLD TRUST GOLD SHS 78463V107 294 2,519 SH   DFND 0 0 2,519
SPDR S&P 500 ETF TR TR UNIT 78462F103 790 4,284 SH   DFND 0 0 4,284
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,377 110,341 SH   DFND 1 110,341 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 928 22,893 SH   DFND 1 22,893 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,804 48,554 SH   DFND 1 48,554 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 170,170 3,127,544 SH   DFND 1 3,127,544 0 0
SPECTRA ENERGY CORP COM 847560109 693 19,394 SH   DFND 0 0 19,394
SYSCO CORP COM 871829107 679 18,652 SH   DFND 0 0 18,652
UNITED PARCEL SERVICE INC CL B 911312106 647 6,100 SH   DFND 0 0 6,100
US BANCORP DEL COM NEW 902973304 296 7,338 SH   DFND 0 0 7,338
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 12,366 151,233 SH   DFND 1 151,233 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 308 3,849 SH   DFND 0 0 3,849
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 81,867 1,023,462 SH   DFND 1 1,023,462 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,563 107,334 SH   DFND 1 107,334 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,794 64,202 SH   DFND 1 64,202 0 0
VANGUARD INDEX FDS REIT ETF 922908553 6,914 107,101 SH   DFND 1 107,101 0 0
VANGUARD INDEX FDS REIT ETF 922908553 217 3,310 SH   DFND 0 0 3,310
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,336 35,452 SH   DFND 1 35,452 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,715 58,689 SH   DFND 1 58,689 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 281 3,027 SH   DFND 0 0 3,027
VANGUARD INDEX FDS TOTAL STK MKT 922908769 691 7,169 SH   DFND 0 0 7,169
VANGUARD INDEX FDS TOTAL STK MKT 922908769 38,975 406,329 SH   DFND 1 406,329 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,196 77,024 SH   DFND 1 77,024 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 12,910 125,547 SH   DFND 1 125,547 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 740 12,454 SH   DFND 1 12,454 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 214 4,308 SH   DFND 0 0 4,308
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 13,076 257,757 SH   DFND 1 257,757 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,514 206,955 SH   DFND 1 206,955 0 0
VANGUARD INTL EQUITY INDEX F MEGA CAP GRO ETF 922042866 14,620 238,498 SH   DFND 1 238,498 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,105 120,834 SH   DFND 1 120,834 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,404 92,808 SH   DFND 1 92,808 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 31,370 614,140 SH   DFND 1 614,140 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 424 5,621 SH   DFND 0 0 5,621
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 14,348 190,700 SH   DFND 1 190,700 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 28,309 679,196 SH   DFND 1 679,196 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 458 7,334 SH   DFND 0 0 7,334
VANGUARD WORLD FD MEGA GRWTH IND 921910816 23,231 320,520 SH   DFND 1 320,520 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 28,671 521,199 SH   DFND 1 521,199 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 642 13,200 SH   DFND 0 0 13,200
WAL-MART STORES INC COM 931142103 290 3,680 SH   DFND 0 0 3,680
WASTE MGMT INC DEL COM 94106L109 658 14,792 SH   DFND 0 0 14,792
WELLS FARGO & CO NEW COM 949746101 1,031 22,738 SH   DFND 0 0 22,738
WESTPAC BKG CORP SPONSORED ADR 961214301 1,031 35,428 SH   DFND 0 0 35,428