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
Expires: July 31, 2015
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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
Coca-Cola Company Com 191216100 277,528 3,875 SH SOLE 0 0 3,875
Intel Corp Com 458140100 267,955 11,799 SH SOLE 0 0 11,799
Invesco Exch Traded Fd Tr II Sr Ln ETF 46138G508 2,158,265 104,264 SH SOLE 0 0 104,264
iShares Tr 0-5 yr Hi Yl CP 46434V407 1,144,043 26,906 SH SOLE 0 0 26,906
iShares Tr 1-3 Yr Treas Bd 464287457 245,377 2,966 SH SOLE 0 0 2,966
iShares Tr 3-7 Yr Treas Bd 464288661 2,683,437 22,715 SH SOLE 0 0 22,715
iShares Tr 7-10 Yr Trsy Bd 464287440 3,765,684 39,485 SH SOLE 0 0 39,485
iShares Tr Core US Aggbd ET 464287226 5,959,930 60,250 SH SOLE 0 0 60,250
iShares Tr TIPS BD ETF 464287176 5,757,795 51,830 SH SOLE 0 0 51,830
iShares Tr Fltg Rate Nt ETF 46429B655 1,003,541 19,658 SH SOLE 0 0 19,658
iShares Tr IBOXX Hi Yd ETF 464288513 5,023,084 63,672 SH SOLE 0 0 63,672
iShares Tr IBOXX Inv CP ETF 464287242 4,044,138 37,208 SH SOLE 0 0 37,208
iShares Tr JPMorgan USD Emg 464288281 4,586,391 50,628 SH SOLE 0 0 50,628
iShares Tr 20 Yr Tr Bd ETF 464287432 2,287,220 25,126 SH SOLE 0 0 25,126
iShares Tr MBS ETF 464288588 1,848,966 19,716 SH SOLE 0 0 19,716
iShares Tr MSCI Emg Mkt ETF 464287234 585,580 13,400 SH SOLE 0 0 13,400
iShares Tr MSCI USA Min Vol 46429B697 468,300 5,000 SH SOLE 0 0 5,000
iShares Tr Pfd and Incm Sec 464288687 2,772,768 90,230 SH SOLE 0 0 90,230
iShares Tr Short Treas Bd 464288679 394,342 3,570 SH SOLE 0 0 3,570
iShares Tr US Treas Bd ETF 46429B267 5,731,563 249,361 SH SOLE 0 0 249,361
Vaneck ETF Trust Gold Miners ETF 92189F106 2,679,913 58,297 SH SOLE 0 0 58,297
Vaneck ETF Trust Junion Gold Mine 92189F791 2,581,894 45,138 SH SOLE 0 0 45,138
Merck & Co Inc Com 58933Y105 272,870 3,040 SH SOLE 0 0 3,040
Microsoft Corp Com 594918104 267,278 712 SH SOLE 0 0 712
Pepsico Inc Com 713448108 274,540 1,831 SH SOLE 0 0 1,831
Pimco ETF Tr Enhan Shrt MA Ac 72201R833 383,463 3,811 SH SOLE 0 0 3,811
Procter and Gamble Co Com 742718109 279,148 1,638 SH SOLE 0 0 1,638
Schwab Strategic Tr US Aggregate B 808524839 973,461 42,032 SH SOLE 0 0 42,032
SPDR Ser Tr Bloomberg Invt 78468R200 634,276 20,580 SH SOLE 0 0 20,580
SPDR Ser Tr Bloomberg High Y 78468R622 4,273,157 44,839 SH SOLE 0 0 44,839
SPDR Ser Tr Bloomberg Sht Te 78468R408 2,754,190 109,467 SH SOLE 0 0 109,467
SPDR Ser Tr Portfolio Agrgte 78464A649 1,344,783 52,654 SH SOLE 0 0 52,654
Select Sector SPDR Tr SBI Int-Utils 81369Y886 4,300,479 54,540 SH SOLE 0 0 54,540
Vaneck ETF Trust JP Mrgan Em Loc 92189H300 2,658,839 111,435 SH SOLE 0 0 111,435
Vanguard Scottsdale FDS Int-Term Corp 92206C870 5,378,990 65,790 SH SOLE 0 0 65,790
Vanguard Scottsdale FDS Mtg-Bkd Secs ETF 92206C771 916,892 19,799 SH SOLE 0 0 19,799
Vanguard Bd Index Fds Short Trm Bond 921937827 327,524 4,184 SH SOLE 0 0 4,184
Vanguard Scottsdale FDS Shrt Trm Corp Bd 92206C409 781,901 9,905 SH SOLE 0 0 9,905
Vanguard Malvern FDS Strm Infproidx 922020805 1,502,539 30,111 SH SOLE 0 0 30,111
Vanguard Mun Bd FDS Tax Exempt Bd 922907746 425,045 8,566 SH SOLE 0 0 8,566
Vanguard Bd Index Fds Total Bnd Mrkt 921937835 4,621,768 62,924 SH SOLE 0 0 62,924
Vanguard Charlotte Fds Total Int Bd ETF 92203J407 3,120,672 63,922 SH SOLE 0 0 63,922
Vanguard Index Fds Total Stk Mkt 922908769 559,574 2,036 SH SOLE 0 0 2,036
Verizon Communications Inc Com 92343V104 278,828 6,147 SH SOLE 0 0 6,147