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
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
AMAZON COM INC COM 023135106 378,708 1,520 SH SOLE 0 0 1,520
APPLE INC COM 037833100 569,177 1,709 SH SOLE 0 0 1,709
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 418,278 840 SH SOLE 0 0 840
CISCO SYS INC COM 17275R102 616,123 5,724 SH SOLE 0 0 5,724
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 721,300 4,432 SH SOLE 0 0 4,432
INTEL CORP COM 458140100 387,009 3,219 SH SOLE 0 0 3,219
INVESCO QQQ TR UNIT SER 1 46090E103 564,898 764 SH SOLE 0 0 764
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,753,386 37,647 SH SOLE 0 0 37,647
ISHARES TR 0-5YR HI YL CP 46434V407 3,858,146 93,531 SH SOLE 0 0 93,531
ISHARES TR 0-5YR INVT GR CP 46434V100 2,176,000 43,982 SH SOLE 0 0 43,982
ISHARES TR 1 3 YR TREAS BD 464287457 5,974,998 73,584 SH SOLE 0 0 73,584
ISHARES TR CORE DIV GRWTH 46434V621 593,348 7,870 SH SOLE 0 0 7,870
ISHARES TR CORE HIGH DV ETF 46429B663 876,124 31,335 SH SOLE 0 0 31,335
ISHARES TR CORE S&P MCP ETF 464287507 1,713,753 23,819 SH SOLE 0 0 23,819
ISHARES TR CORE S&P SCP ETF 464287804 306,359 2,252 SH SOLE 0 0 2,252
ISHARES TR CORE S&P500 ETF 464287200 28,004,955 36,567 SH SOLE 0 0 36,567
ISHARES TR FLTG RATE NT ETF 46429B655 547,826 10,731 SH SOLE 0 0 10,731
ISHARES TR IBOXX HI YD ETF 464288513 456,540 5,913 SH SOLE 0 0 5,913
ISHARES TR MSCI EAFE ETF 464287465 582,012 5,602 SH SOLE 0 0 5,602
ISHARES TR MSCI EAFE MIN VL 46429B689 352,439 3,868 SH SOLE 0 0 3,868
ISHARES TR MSCI USA QLT FCT 46432F339 364,146 1,639 SH SOLE 0 0 1,639
ISHARES TR NORTH AMERN NAT 464287374 2,003,620 32,510 SH SOLE 0 0 32,510
ISHARES TR RUS 2000 GRW ETF 464287648 764,980 2,143 SH SOLE 0 0 2,143
ISHARES TR RUS 2000 VAL ETF 464287630 715,677 3,417 SH SOLE 0 0 3,417
ISHARES TR RUS MD CP GR ETF 464287481 1,754,719 12,745 SH SOLE 0 0 12,745
ISHARES TR RUS MDCP VAL ETF 464287473 472,757 2,941 SH SOLE 0 0 2,941
ISHARES TR RUS MID CAP ETF 464287499 1,104,918 10,354 SH SOLE 0 0 10,354
ISHARES TR RUSSELL 2000 ETF 464287655 2,651,050 9,540 SH SOLE 0 0 9,540
ISHARES TR S&P 500 GRWT ETF 464287309 17,403,578 122,336 SH SOLE 0 0 122,336
ISHARES TR S&P 500 VAL ETF 464287408 13,191,932 57,788 SH SOLE 0 0 57,788
ISHARES TR S&P MC 400GR ETF 464287606 425,078 3,878 SH SOLE 0 0 3,878
ISHARES TR S&P MC 400VL ETF 464287705 612,223 4,446 SH SOLE 0 0 4,446
ISHARES TR SELECT DIVID ETF 464287168 2,921,752 19,213 SH SOLE 0 0 19,213
ISHARES TR SELECT US REIT 464287564 416,768 6,626 SH SOLE 0 0 6,626
ISHARES TR SHRT NAT MUN ETF 464288158 1,046,578 10,011 SH SOLE 0 0 10,011
ISHARES TR TIPS BD ETF 464287176 255,893 2,460 SH SOLE 0 0 2,460
ISHARES TR U.S. REAL ES ETF 464287739 609,625 6,414 SH SOLE 0 0 6,414
JOHNSON & JOHNSON COM 478160104 223,542 844 SH SOLE 0 0 844
MICROSOFT CORP COM 594918104 268,432 523 SH SOLE 0 0 523
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 2,074,700 4,080 SH SOLE 0 0 4,080
TJX COS INC NEW COM 872540109 449,854 3,400 SH SOLE 0 0 3,400
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 4,432,752 11,845 SH SOLE 0 0 11,845