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 7,844 190,950 SH   SOLE   0 0 190,950
iShares EMU Hedged ETF ETF 46434V639 5,768 186,536 SH   SOLE   0 0 186,536
SPDR Doubleline Ttl Rtrn ETF 78467V848 8,683 176,372 SH   SOLE   0 0 176,372
Vanguard Total International S ETF 921909768 8,758 169,537 SH   SOLE   0 0 169,537
Vanguard Interm. Treasuries ETF 92206C706 10,984 164,745 SH   SOLE   0 0 164,745
iShares Core MSCI EAFE ETF 46432F842 9,098 148,974 SH   SOLE   0 0 148,974
Vanguard Glb. Ex-US Real Estat ETF 922042676 4,752 81,111 SH   SOLE   0 0 81,111
iShares MSCI Emerging Markets ETF 464287234 3,068 75,070 SH   SOLE   0 0 75,070
Vanguard Short-Term Treasuries ETF 92206C102 4,171 68,460 SH   SOLE   0 0 68,460
iShares Core S&P Small-Cap ETF 464287804 4,920 63,210 SH   SOLE   0 0 63,210
ProShares Dividend Aristocrats EQUITY 74348A467 4,405 61,539 SH   SOLE   0 0 61,539
Vanguard Total Stock Market ETF 922908769 8,738 57,868 SH   SOLE   0 0 57,868
Vanguard Total Bond Market ETF 921937835 4,487 53,150 SH   SOLE   0 0 53,150
iShares MSCI EAFE ETF 464287465 2,728 41,836 SH   SOLE   0 0 41,836
Vanguard FTSE Emerging Markets ETF 922042858 1,672 41,536 SH   SOLE   0 0 41,536
SPDR S&P Dividend ETF 78464A763 3,835 37,383 SH   SOLE   0 0 37,383
Vanguard Real Estate ETF 922908553 3,418 36,649 SH   SOLE   0 0 36,649
Vanguard Interm. Corp. Bond ETF 92206C870 2,551 27,963 SH   SOLE   0 0 27,963
iShares Core US Aggregate Bond ETF 464287226 3,139 27,741 SH   SOLE   0 0 27,741
iShares Russell 2000 ETF 464287655 4,007 26,475 SH   SOLE   0 0 26,475
Vanguard Short-Term Corp. Bond ETF 92206C409 1,954 24,113 SH   SOLE   0 0 24,113
iShares MSCI EAFE Small-Cap ETF 464288273 1,323 23,121 SH   SOLE   0 0 23,121
SPDR S&P 500 ETF 78462F103 6,457 21,758 SH   SOLE   0 0 21,758
iShares Core MSCI Emerging Mkt ETF 46434G103 951 19,400 SH   SOLE   0 0 19,400
iShares Core S&P Mid-Cap ETF 464287507 3,719 19,249 SH   SOLE   0 0 19,249
Peoples United EQUITY 712704105 268 17,139 SH   SOLE   0 0 17,139
iShares Core MSCI Totl ETF 46432F834 976 16,896 SH   SOLE   0 0 16,896
iShares Russell Mid-Cap ETF 464287499 863 15,432 SH   SOLE   0 0 15,432
Vanguard Dividend Appreciation ETF 921908844 1,740 14,549 SH   SOLE   0 0 14,549
General Electric EQUITY 369604103 92 10,288 SH   SOLE   0 0 10,288
iShares Core S&P 500 ETF 464287200 2,449 8,202 SH   SOLE   0 0 8,202
Apple Computer EQUITY 037833100 1,579 7,050 SH   SOLE   0 0 7,050
PowerShares FTSE RAFI US 1000 ETF 46137V613 1,017 8,629 SH   SOLE   0 0 8,629
Berkshire Hathaway Cl B EQUITY 084670702 889 4,276 SH   SOLE   0 0 4,276
Vanguard High Dividend Yield ETF 921946406 722 8,138 SH   SOLE   0 0 8,138
Schwab US Small-Cap ETF 808524607 677 9,712 SH   SOLE   0 0 9,712
Vanguard Small-Cap ETF 922908751 599 3,891 SH   SOLE   0 0 3,891
iShares Residential Real Estat ETF 464288562 515 6,483 SH   SOLE   0 0 6,483
Schwab US Dividend Equity ETF 808524797 514 9,384 SH   SOLE   0 0 9,384
Vanguard FTSE All-World ex-US ETF 922042775 456 9,132 SH   SOLE   0 0 9,132
Home Depot Inc EQUITY 437076102 429 1,848 SH   SOLE   0 0 1,848
Invesco S&P 500 Low ETF 46138E354 392 6,763 SH   SOLE   0 0 6,763
iShares Cohen & Steers REIT ETF 464287564 392 3,263 SH   SOLE   0 0 3,263
Schwab US Broad Market ETF 808524102 389 5,475 SH   SOLE   0 0 5,475
Becton Dickinson & Co EQUITY 075887109 379 1,500 SH   SOLE   0 0 1,500
iShares National Muni Bond ETF 464288414 374 3,277 SH   SOLE   0 0 3,277
iShares Russell 3000 ETF 464287689 338 1,947 SH   SOLE   0 0 1,947
Vanguard Mid-Cap ETF 922908629 318 1,898 SH   SOLE   0 0 1,898
American Express Company EQUITY 025816109 290 2,449 SH   SOLE   0 0 2,449
A T & T EQUITY 00206R102 259 6,834 SH   SOLE   0 0 6,834
iShares Core High Dividend ETF 46429B663 257 2,727 SH   SOLE   0 0 2,727
PowerShares Dividend Achievers ETF 46137V506 237 8,025 SH   SOLE   0 0 8,025
Valero Energy Corp New EQUITY 91913Y100 206 2,420 SH   SOLE   0 0 2,420
Willis Towers Watson EQUITY G96629103 204 1,055 SH   SOLE   0 0 1,055