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
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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 613,000 3,655 SH   SOLE   0 0 3,655
iShares MSCI ACWI Index ETF MSCI ACWI ETF 464288257 3,112,000 43,399 SH   SOLE   0 0 43,399
Amgen COM 031162100 360,000 2,112 SH   SOLE   0 0 2,112
Amazon Com Inc COM 023135106 1,887,000 1,304 SH   SOLE   0 0 1,304
Boeing COM 097023105 204,000 621 SH   SOLE   0 0 621
Berkshire Hathaway B CL B NEW 084670702 841,000 4,218 SH   SOLE   0 0 4,218
Claymore Guggenheim BulletShares 2019 Corp Bd ETF GUG BULL2019 E 18383M522 531,000 25,304 SH   SOLE   0 0 25,304
Claymore Guggenheim BulletShares 2020 Corp Bd ETF GUG BULL2020 E 18383M514 598,000 28,402 SH   SOLE   0 0 28,402
Claymore Guggenheim BulletShares 2021 Corp Bd ETF GUGG BULSCH 2021 18383M266 639,000 30,694 SH   SOLE   0 0 30,694
Claymore Guggenheim BulletShares 2022 Corp Bd ETF GUGG BULSH 2022 18383M258 581,000 27,950 SH   SOLE   0 0 27,950
Claymore Guggenheim BulletShares 2023 Corp Bd ETF 2023 CORP BOND 18383M241 450,000 22,082 SH   SOLE   0 0 22,082
Colgate-Palmolive COM 194162103 648,000 9,038 SH   SOLE   0 0 9,038
Comcast Corp A CL A 20030N101 637,000 18,650 SH   SOLE   0 0 18,650
Deutsche MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 5,625,000 183,168 SH   SOLE   0 0 183,168
Deutsche X-Trackers MSCI Europe Hedged Equity XTRACK MSCI EURP 233051853 552,000 20,122 SH   SOLE   0 0 20,122
Walt Disney Company COM 254687106 427,000 4,247 SH   SOLE   0 0 4,247
DTE Energy COM 233331107 262,000 2,511 SH   SOLE   0 0 2,511
Ecolab COM 278865100 216,000 1,575 SH   SOLE   0 0 1,575
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 2,570,000 53,240 SH   SOLE   0 0 53,240
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 1,512,000 21,698 SH   SOLE   0 0 21,698
Express Scripts Holding COM 30219G108 304,000 4,396 SH   SOLE   0 0 4,396
Ford Motor Company COM 345370860 137,000 12,365 SH   SOLE   0 0 12,365
General Electric COM 369604103 187,000 13,875 SH   SOLE   0 0 13,875
SPDR Gold ETF GOLD SHS 78463V107 1,090,000 8,664 SH   SOLE   0 0 8,664
Alphabet Inc Cap Stk Class C CAP STK CL C 02079K107 326,000 316 SH   SOLE   0 0 316
Alphabet Inc Cap Stk Class A CAP STK CL A 02079K305 358,000 346 SH   SOLE   0 0 346
International Business Machines COM 459200101 387,000 2,522 SH   SOLE   0 0 2,522
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 9,627,000 51,326 SH   SOLE   0 0 51,326
Intel Corp COM 458140100 375,000 7,206 SH   SOLE   0 0 7,206
iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 329,000 3,007 SH   SOLE   0 0 3,007
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 5,680,000 21,403 SH   SOLE   0 0 21,403
iShares S&P 500 Growth S&P 500 GRWT ETF 464287309 1,511,000 9,745 SH   SOLE   0 0 9,745
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 6,565,000 54,730 SH   SOLE   0 0 54,730
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 18,493,000 135,885 SH   SOLE   0 0 135,885
iShares Russell 2000 ETF RUS 2000 ETF 464287655 875,000 5,763 SH   SOLE   0 0 5,763
iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481 280,000 2,278 SH   SOLE   0 0 2,278
iShares Russell Mid-Cap ETF RUS MID CP ETF 464287499 325,000 1,574 SH   SOLE   0 0 1,574
Johnson & Johnson COM 478160104 567,000 4,424 SH   SOLE   0 0 4,424
JP Morgan Chase COM 46625H100 434,000 3,942 SH   SOLE   0 0 3,942
Coca-Cola COM 191216100 334,000 7,692 SH   SOLE   0 0 7,692
Alliant Energy COM 018802108 266,000 6,502 SH   SOLE   0 0 6,502
Lam Research Corp COM 512807108 356,000 1,750 SH   SOLE   0 0 1,750
MBT Financial Corp COM 578877102 191,000 17,808 SH   SOLE   0 0 17,808
McDonalds Corp COM 580135101 386,000 2,470 SH   SOLE   0 0 2,470
SPDR S&P Mid-Cap 400 ETF UTSER1 S&PDCRP 78467Y107 23,389,000 68,444 SH   SOLE   0 0 68,444
UBS Alerian MLP Infrastructure ETN ALERIAN INFRST 902641646 220,000 10,409 SH   SOLE   0 0 10,409
3M Co COM 88579Y101 930,000 4,236 SH   SOLE   0 0 4,236
Altria Group COM 02209S103 217,000 3,479 SH   SOLE   0 0 3,479
Merck & Co COM 58933Y105 463,000 8,497 SH   SOLE   0 0 8,497
Microsoft Corp COM 594918104 250,000 2,735 SH   SOLE   0 0 2,735
NextEra Energy COM 65339F101 410,000 2,508 SH   SOLE   0 0 2,508
Oracle Corp COM 68389X105 229,000 5,016 SH   SOLE   0 0 5,016
PepsiCo COM 713448108 832,000 7,626 SH   SOLE   0 0 7,626
Proctor & Gamble COM 742718109 227,000 2,865 SH   SOLE   0 0 2,865
PowerShares Water Resources ETF WATER RES PORT 73935X575 470,000 15,431 SH   SOLE   0 0 15,431
PNC Financial Services Group COM 693475105 204,000 1,350 SH   SOLE   0 0 1,350
PowerShares QQQ ETF UNIT SER 1 73935A104 372,000 2,320 SH   SOLE   0 0 2,320
Rydex Guggenheim S&P 500 Equal Weight ETF GUG S&P 500 EQ WT 78355W106 7,769,000 78,101 SH   SOLE   0 0 78,101
SPDR S&P 500 ETF TR UNIT 78462F103 53,542,000 203,464 SH   SOLE   0 0 203,464
AT&T COM 00206R102 211,000 5,920 SH   SOLE   0 0 5,920
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 279,000 6,306 SH   SOLE   0 0 6,306
Vanguard Mid-Cap ETF MID CAP ETF 922908629 407,000 2,638 SH   SOLE   0 0 2,638
Vanguard Total Stock Market ETF TOT STK MKT 922908769 201,000 1,479 SH   SOLE   0 0 1,479
Vanguard Value ETF VALUE ETF 922908744 539,000 5,221 SH   SOLE   0 0 5,221
Vanguard Growth ETF GROWTH ETF 922908736 459,000 3,236 SH   SOLE   0 0 3,236
Exxon Mobil COM 30231G102 555,000 7,439 SH   SOLE   0 0 7,439