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
ISHARES TR CORE S&P MCP ETF 464287507 4,165 23,945 SH   SOLE NONE 0 0 23,945
ISHARES TR CORE S&P SCP ETF 464287804 3,686 52,568 SH   SOLE NONE 0 0 52,568
ISHARES TR S&P 500 VAL ETF 464287408 11,939 113,750 SH   SOLE NONE 0 0 113,750
ISHARES TR CORE S&P500 ETF 464287200 17,983 73,878 SH   SOLE NONE 0 0 73,878
ISHARES TR S&P 500 GRWT ETF 464287309 1,695 12,383 SH   SOLE NONE 0 0 12,383
PFIZER INC COM 717081103 243 7,236 SH   SOLE NONE 0 0 7,236
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 579 6,250 SH   SOLE NONE 0 0 6,250
PROCTER AND GAMBLE CO COM 742718109 16,855 193,402 SH   SOLE NONE 0 0 193,402
ISHARES TR 7-10YR TR BD ETF 464287440 1,992 18,682 SH   SOLE NONE 0 0 18,682
ISHARES TR 20 YR TR BD ETF 464287432 1,170 9,353 SH   SOLE NONE 0 0 9,353
ISHARES TR IBOXX INV CP ETF 464287242 3,514 29,155 SH   SOLE NONE 0 0 29,155
APPLE INC COM 037833100 226 1,570 SH   SOLE NONE 0 0 1,570
ISHARES TR CORE US AGGBD ET 464287226 7,445 67,981 SH   SOLE NONE 0 0 67,981
ISHARES TR TIPS BD ETF 464287176 2,002 17,652 SH   SOLE NONE 0 0 17,652
ISHARES TR EAFE VALUE ETF 464288877 4,272 82,633 SH   SOLE NONE 0 0 82,633
ISHARES TR IBOXX HI YD ETF 464288513 1,861 21,055 SH   SOLE NONE 0 0 21,055
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 442 5,534 SH   SOLE NONE 0 0 5,534
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 340 4,354 SH   SOLE NONE 0 0 4,354
ISHARES TR JP MOR EM MK ETF 464288281 5,074 44,365 SH   SOLE NONE 0 0 44,365
ISHARES TR GLB INFRASTR ETF 464288372 1,736 39,479 SH   SOLE NONE 0 0 39,479
PEOPLES FINL SVCS CORP COM 711040105 1,299 29,703 SH   SOLE NONE 0 0 29,703
PIMCO ETF TR 1-5 US TIP IDX 72201R205 303 5,810 SH   SOLE NONE 0 0 5,810
ISHARES MSCI EURO FL ETF 464289180 1,160 52,892 SH   SOLE NONE 0 0 52,892
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,586 55,648 SH   SOLE NONE 0 0 55,648
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 2,226 96,199 SH   SOLE NONE 0 0 96,199
ISHARES TR MSCI CHINA ETF 46429B671 1,529 27,952 SH   SOLE NONE 0 0 27,952
ISHARES TR FLTG RATE BD ETF 46429B655 7,622 149,680 SH   SOLE NONE 0 0 149,680
ISHARES TR MIN VOL USA ETF 46429B697 2,101 42,947 SH   SOLE NONE 0 0 42,947
ISHARES MIN VOL GBL ETF 464286525 228 2,886 SH   SOLE NONE 0 0 2,886
ISHARES INC CORE MSCI EMKT 46434G103 7,520 150,288 SH   SOLE NONE 0 0 150,288
ISHARES TR CORE MSCI EAFE 46432F842 13,629 223,835 SH   SOLE NONE 0 0 223,835
FIDELITY MSCI INFO TECH I 316092808 1,906 44,627 SH   SOLE NONE 0 0 44,627
FIDELITY MSCI FINLS IDX 316092501 416 11,445 SH   SOLE NONE 0 0 11,445
ISHARES TR HDG MSCI EAFE 46434V803 494 17,386 SH   SOLE NONE 0 0 17,386
ISHARES TR CORE DIV GRWTH 46434V621 1,376 43,949 SH   SOLE NONE 0 0 43,949
ISHARES U S ETF TR COMMOD SEL STG 46431W853 1,806 55,411 SH   SOLE NONE 0 0 55,411
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 2,787 56,644 SH   SOLE NONE 0 0 56,644