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
Vanguard FTSE Developed Market ETF 921943858 8,737 198,307 SH   SOLE   0 0 198,307
iShares EMU Hedged ETF ETF 46434V639 5,980 188,158 SH   SOLE   0 0 188,158
Vanguard Total International S ETF 921909768 10,454 187,722 SH   SOLE   0 0 187,722
Vanguard Interm. Treasuries ETF 92206C706 11,041 167,542 SH   SOLE   0 0 167,542
SPDR Doubleline Ttl Rtrn ETF 78467V848 8,056 164,433 SH   SOLE   0 0 164,433
iShares Core MSCI EAFE ETF 46432F842 9,724 149,048 SH   SOLE   0 0 149,048
Vanguard Short-Term Treasuries ETF 92206C102 3,969 65,241 SH   SOLE   0 0 65,241
iShares MSCI Emerging Markets ETF 464287234 2,669 59,476 SH   SOLE   0 0 59,476
iShares Core S&P Small-Cap ETF 464287804 4,892 58,339 SH   SOLE   0 0 58,339
Vanguard Total Bond Market ETF 921937835 4,640 55,333 SH   SOLE   0 0 55,333
ProShares Dividend Aristocrats ETF 74348A467 4,093 54,143 SH   SOLE   0 0 54,143
Vanguard Total Stock Market ETF 922908769 8,409 51,391 SH   SOLE   0 0 51,391
Vanguard Glb. Ex-US Real Estat ETF 922042676 2,978 50,399 SH   SOLE   0 0 50,399
iShares MSCI EAFE ETF 464287465 2,906 41,847 SH   SOLE   0 0 41,847
SPDR S&P Dividend ETF 78464A763 3,976 36,958 SH   SOLE   0 0 36,958
Vanguard FTSE Emerging Markets ETF 922042858 1,584 35,621 SH   SOLE   0 0 35,621
Vanguard Real Estate ETF 922908553 2,929 31,561 SH   SOLE   0 0 31,561
Vanguard Interm. Corp. Bond ETF 92206C870 2,592 28,386 SH   SOLE   0 0 28,386
iShares Core US Aggregate Bond ETF 464287226 2,978 26,500 SH   SOLE   0 0 26,500
Vanguard Short-Term Corp. Bond ETF 92206C409 1,919 23,677 SH   SOLE   0 0 23,677
iShares MSCI EAFE Small-Cap ETF 464288273 1,362 21,863 SH   SOLE   0 0 21,863
SPDR S&P 500 ETF 78462F103 6,871 21,349 SH   SOLE   0 0 21,349
Peoples United EQUITY 712704105 355 21,025 SH   SOLE   0 0 21,025
iShares Russell 2000 ETF 464287655 3,277 19,780 SH   SOLE   0 0 19,780
iShares Core MSCI Emerging Mkt ETF 46434G103 1,043 19,400 SH   SOLE   0 0 19,400
iShares Core MSCI Totl ETF 46432F834 1,047 16,917 SH   SOLE   0 0 16,917
iShares Core S&P Mid-Cap ETF 464287507 3,473 16,873 SH   SOLE   0 0 16,873
iShares Russell Mid-Cap ETF 464287499 920 15,432 SH   SOLE   0 0 15,432
Vanguard Dividend Appreciation ETF 921908844 1,600 12,836 SH   SOLE   0 0 12,836
General Electric EQUITY 369604103 121 10,799 SH   SOLE   0 0 10,799
iShares Core S&P 500 ETF 464287200 2,477 7,662 SH   SOLE   0 0 7,662
Apple Computer EQUITY 037833100 1,732 5,899 SH   SOLE   0 0 5,899
Berkshire Hathaway Cl B EQUITY 084670702 969 4,276 SH   SOLE   0 0 4,276
Vanguard High Dividend Yield ETF 921946406 763 8,138 SH   SOLE   0 0 8,138
iShares Residential Real Estat ETF 464288562 687 9,118 SH   SOLE   0 0 9,118
Schwab US Small-Cap ETF 808524607 613 8,100 SH   SOLE   0 0 8,100
PowerShares FTSE RAFI US 1000 ETF 46137V613 557 4,394 SH   SOLE   0 0 4,394
Schwab US Dividend Equity ETF 808524797 544 9,384 SH   SOLE   0 0 9,384
Vanguard FTSE All-World ex-US ETF 922042775 513 9,546 SH   SOLE   0 0 9,546
Vanguard Small-Cap ETF 922908751 475 2,867 SH   SOLE   0 0 2,867
Becton Dickinson & Co EQUITY 075887109 408 1,500 SH   SOLE   0 0 1,500
Home Depot Inc EQUITY 437076102 404 1,848 SH   SOLE   0 0 1,848
Invesco S&P 500 Low ETF 46138E354 395 6,763 SH   SOLE   0 0 6,763
Vanguard Mid-Cap ETF 922908629 383 2,152 SH   SOLE   0 0 2,152
iShares Cohen & Steers REIT ETF 464287564 382 3,265 SH   SOLE   0 0 3,265
Schwab US Broad Market ETF 808524102 382 4,967 SH   SOLE   0 0 4,967
iShares National Muni Bond ETF 464288414 373 3,277 SH   SOLE   0 0 3,277
Vanguard S&P 500 ETF ETF 922908363 335 1,131 SH   SOLE   0 0 1,131
American Express Company EQUITY 025816109 305 2,449 SH   SOLE   0 0 2,449
A T & T EQUITY 00206R102 287 7,334 SH   SOLE   0 0 7,334
Invesco S&P Midcap Low ETF 46138E198 286 5,309 SH   SOLE   0 0 5,309
iShares Core High Dividend ETF 46429B663 267 2,727 SH   SOLE   0 0 2,727
iShares Russell 3000 ETF 464287689 256 1,358 SH   SOLE   0 0 1,358
PowerShares Dividend Achievers ETF 46137V506 246 8,025 SH   SOLE   0 0 8,025
Valero Energy Corp New EQUITY 91913Y100 227 2,420 SH   SOLE   0 0 2,420
iShares Russell 2000 Value ETF 464287630 226 1,759 SH   SOLE   0 0 1,759
Willis Towers Watson EQUITY G96629103 213 1,055 SH   SOLE   0 0 1,055