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
Consumer Staples Spdr Common Stock 81369Y308 2,127 36,629 SH   SOLE   0 0 36,629
D B X-trackers MSCI EAFE Hedged Equity Fund Common Stock 233051200 5 160 SH   SOLE   0 0 160
Industrial Select Sector Spdr Fund Common Stock 81369Y704 2,160 27,903 SH   SOLE   0 0 27,903
Invesco Exchng Traded Fd TR II SR Ln ETF Common Stock 46138G508 1,569 69,229 PRN   SOLE   0 0 69,229
iShares Core MSCI EAFE ETF Common Stock 46432F842 17 269 SH   SOLE   0 0 269
iShares Core S&P 500 Common Stock 464287200 71 240 SH   SOLE   0 0 240
iShares Core S&P Midcap Common Stock 464287507 5,340 27,491 SH   SOLE   0 0 27,491
iShares Core Total US Aggregate Bond Common Stock 464287226 32 287 PRN   SOLE   0 0 287
iShares Edge MSCI Min Vol USA ETF Common Stock 46429B697 16 254 SH   SOLE   0 0 254
iShares Inc Core MSCI Emkt Common Stock 46434G103 17 324 SH   SOLE   0 0 324
iShares Inc MSCI Jpn ETF New Common Stock 46434G822 516 9,446 SH   SOLE   0 0 9,446
iShares MSCI EAFE Common Stock 464287465 239,799 3,648,244 SH   SOLE   0 0 3,648,244
iShares MSCI Emerging Mkts Common Stock 464287234 109,292 2,547,011 SH   SOLE   0 0 2,547,011
iShares MSCI Pacific Ex-japan Common Stock 464286665 294 6,232 SH   SOLE   0 0 6,232
iShares Russell 1000 Growth Common Stock 464287614 24,298 154,427 SH   SOLE   0 0 154,427
iShares Russell 1000 Value Common Stock 464287598 20,062 157,695 SH   SOLE   0 0 157,695
iShares Russell 2000 Common Stock 464287655 4,277 27,505 SH   SOLE   0 0 27,505
iShares Russell 2000 Value Common Stock 464287630 588 4,877 SH   SOLE   0 0 4,877
iShares Russell Midcap Index Fund Common Stock 464287499 16 280 SH   SOLE   0 0 280
iShares S&P 500 Growth Common Stock 464287309 782 4,364 SH   SOLE   0 0 4,364
iShares S&P 500 Value Common Stock 464287408 602 5,166 SH   SOLE   0 0 5,166
iShares S&P National Municipal Bond Fund Common Stock 464288414 3,087 27,296 PRN   SOLE   0 0 27,296
iShares TR IBoxx Hi Yd Common Stock 464288513 830 9,520 PRN   SOLE   0 0 9,520
iShares TR Sh TR Crport Common Stock 464288646 106,393 1,990,885 PRN   SOLE   0 0 1,990,885
Materials Select Sector Spdr Common Stock 81369Y100 5,436 92,920 SH   SOLE   0 0 92,920
Mfc Flexshares TR Morningstar Global Upstream Nat Res Index Fd Common Stock 33939L407 278 8,411 SH   SOLE   0 0 8,411
Mfc Flexshares TR Stoxx Global Broad Infrastructure Index Fd Common Stock 33939L795 63 1,226 SH   SOLE   0 0 1,226
Mfc Flexshares TR TR IBoxx 3 Yr Target Duration TIPS Index Fd Common Stock 33939L506 60 2,414 PRN   SOLE   0 0 2,414
Nuveen Amt Free Municipal Credit Income Common Stock 67071L106 2,062 129,379 PRN   SOLE   0 0 129,379
Powershares Ftse Rafi US 1000 Portfolio Common Stock 46137V613 2,916 25,000 SH   SOLE   0 0 25,000
Select Sector Spdr TR Common Stock 81369Y209 2,137 23,066 SH   SOLE   0 0 23,066
Spdr Series Trust Portfolio Short Common Stock 78464A474 118,571 3,852,219 PRN   SOLE   0 0 3,852,219
Spdr TR Rcpt Rcpt Common Stock 78462F103 11,394 38,776 SH   SOLE   0 0 38,776
The iShares Core MSCI Europe ETF Common Stock 46434V738 408 8,748 SH   SOLE   0 0 8,748
Vanguard Ftse Developed Market Common Stock 921943858 102,392 2,454,855 SH   SOLE   0 0 2,454,855
Vanguard Ftse Emerging Markets Common Stock 922042858 53,736 1,263,479 SH   SOLE   0 0 1,263,479
Vanguard Growth ETF Common Stock 922908736 36,556 223,733 SH   SOLE   0 0 223,733
Vanguard Index Fds Real Estate Common Stock 922908553 519 5,925 SH   SOLE   0 0 5,925
Vanguard Mid-cap Vipers Common Stock 922908629 7 44 SH   SOLE   0 0 44
Vanguard S&P 500 Common Stock 922908363 247,034 913,130 SH   SOLE   0 0 913,130
Vanguard Short Term Corporate Bond Common Stock 92206C409 107,094 1,327,394 PRN   SOLE   0 0 1,327,394
Vanguard Small Cap ETF Common Stock 922908751 1,691 10,796 SH   SOLE   0 0 10,796
Vanguard Total Stock Market Vipers Common Stock 922908769 22 145 SH   SOLE   0 0 145
Vanguard Value ETF Common Stock 922908744 52,415 472,425 SH   SOLE   0 0 472,425