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
Charles Schwab US Large Cap ETF ETF 808524201 31,352 408,170 SH   SOLE   0 0 408,170
Schwab International Equity ETF ETF 808524805 17,244 512,742 SH   SOLE   0 0 512,742
iShares Core 1-5 Year Bond ETF ETF 46432F859 14,102 279,793 SH   SOLE   0 0 279,793
Charles Schwab Short Term US Treasury ETF ETF 808524862 11,850 234,750 SH   SOLE   0 0 234,750
Schwab US Dividend Equity ETF ETF 808524797 7,509 129,639 SH   SOLE   0 0 129,639
Schwab US REIT ETF ETF 808524847 6,095 132,621 SH   SOLE   0 0 132,621
Powershares BulletShares 2022 Corporate Bond EFT ETF 18383M258 5,744 267,310 SH   SOLE   0 0 267,310
Powershares BulletShares 2021 Corporate Bond EFT ETF 73939W706 5,687 267,877 SH   SOLE   0 0 267,877
Charles Schwab US Mid-Cap ETF ETF 808524508 5,933 98,632 SH   SOLE   0 0 98,632
ETFS Physical Precious Metals Basket ETF 26922W109 5,417 70,904 SH   SOLE   0 0 70,904
Charles Schwab International Small Cap Equity ETF ETF 808524888 5,019 144,838 SH   SOLE   0 0 144,838
Vanguard MSCI Emerging Markets ETF ETF 922042858 4,983 112,060 SH   SOLE   0 0 112,060
Schwab Emerging Markets Equity ETF ETF 808524706 4,834 176,602 SH   SOLE   0 0 176,602
SPDR MSCI ACWI es-US ETF ETF 78463X848 4,736 183,770 SH   SOLE   0 0 183,770
Charles Schwab US Small Cap ETF ETF 808524607 4,618 61,049 SH   SOLE   0 0 61,049
Schwab U.S. Large-Cap Value ETF ETF 808524409 3,546 58,982 SH   SOLE   0 0 58,982
Schwab U.S. Large-Cap Growth ETF ETF 808524300 3,523 37,920 SH   SOLE   0 0 37,920
iShares Short-Term Corporate Bond ETF ETF 464288646 3,189 59,457 SH   SOLE   0 0 59,457
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 2,896 49,949 SH   SOLE   0 0 49,949
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,507 9,535 SH   SOLE   0 0 9,535
iShares Core S&P 500 ETF ETF 464287200 2,440 7,548 SH   SOLE   0 0 7,548
iShares Morningstar Mid Value Index Fund ETF 464288406 2,194 13,007 SH   SOLE   0 0 13,007
iShares Tr Lehman Tips ETF 464287176 2,118 18,168 SH   SOLE   0 0 18,168
Schwab US Aggregate Bond Etf ETF 808524839 2,021 37,833 SH   SOLE   0 0 37,833
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,375 18,245 SH   SOLE   0 0 18,245
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,533 13,218 SH   SOLE   0 0 13,218
iShares Morningstar Large Value Index Fund ETF 464288109 1,335 11,392 SH   SOLE   0 0 11,392
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,366 23,932 SH   SOLE   0 0 23,932
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,394 29,128 SH   SOLE   0 0 29,128
iShares Morningstar Large Growth Index Fund ETF 464287119 1,357 6,461 SH   SOLE   0 0 6,461
iShares Morningstar Small Growth Index Fund ETF 464288604 1,234 5,821 SH   SOLE   0 0 5,821
Vanguard Large Cap ETF ETF 922908637 1,188 8,033 SH   SOLE   0 0 8,033
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 1,186 21,647 SH   SOLE   0 0 21,647
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 1,023 8,741 SH   SOLE   0 0 8,741
iShares Core MSCI EAFE ETF ETF 46432F842 1,143 17,522 SH   SOLE   0 0 17,522
iShares Morningstar Small Value Index Fund ETF 464288703 1,058 7,370 SH   SOLE   0 0 7,370
Vanguard Total Stock MKT ETF 922908769 1,029 6,290 SH   SOLE   0 0 6,290
Vanguard FTSE All World EX US Index Fund ETF 922042775 957 17,802 SH   SOLE   0 0 17,802
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 879 29,218 SH   SOLE   0 0 29,218
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 852 13,213 SH   SOLE   0 0 13,213
iShares S&P Aggressive ETF 464289859 805 13,887 SH   SOLE   0 0 13,887
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 749 14,304 SH   SOLE   0 0 14,304
iShares Barclays Aggregate Bond Fund ETF 464287226 707 6,295 SH   SOLE   0 0 6,295
Amazon.com Inc STOCK 023135106 723 391 SH   SOLE   0 0 391
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 719 10,936 SH   SOLE   0 0 10,936
Vanguard High Dividend Yield ETF ETF 921946406 721 7,698 SH   SOLE   0 0 7,698
SPDR S&P 500 ETF ETF 78462F103 689 2,141 SH   SOLE   0 0 2,141
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 630 11,476 SH   SOLE   0 0 11,476
iShares Core S&P Mid-Cap ETF ETF 464287507 648 3,148 SH   SOLE   0 0 3,148
iShares S&P 500 Growth Index ETF 464287309 621 3,207 SH   SOLE   0 0 3,207
Berkshire Hathaway Class B STOCK 084670702 642 2,835 SH   SOLE   0 0 2,835
iShares U.S. Real Estate ETF ETF 464287739 526 5,654 SH   SOLE   0 0 5,654
iShares MSCI ACWI ETF ETF 464288257 563 7,100 SH   SOLE   0 0 7,100
iShares Short Treasury Bond ETF ETF 464288679 538 4,867 SH   SOLE   0 0 4,867
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 532 6,051 SH   SOLE   0 0 6,051
iShares Core S&P Small-Cap ETF ETF 464287804 494 5,892 SH   SOLE   0 0 5,892
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 457 5,768 SH   SOLE   0 0 5,768
Powershares BulletShares 2023 Corporate Bond EFT ETF 73939W862 383 17,995 SH   SOLE   0 0 17,995
iShares MSCI Emerging Markets ETF ETF 464287234 427 9,506 SH   SOLE   0 0 9,506
Apple Inc STOCK 037833100 492 1,675 SH   SOLE   0 0 1,675
Powershares BulletShares 2020 Corporate Bond EFT ETF 18383M514 349 16,443 SH   SOLE   0 0 16,443
Annaly Capital Management STOCK 035710409 359 38,074 SH   SOLE   0 0 38,074
iShares MSCI EAFE Small-Cap ETF 464288273 359 5,756 SH   SOLE   0 0 5,756
Boeing Co STOCK 097023105 265 814 SH   SOLE   0 0 814
iShares Select Dividend ETF 464287168 321 3,039 SH   SOLE   0 0 3,039
iShares Core MSCI Total International Stock ETF 46432F834 302 4,879 SH   SOLE   0 0 4,879
Market Vectors Gold Miners ETF 57060U100 306 10,450 SH   SOLE   0 0 10,450
iShares Core MSCI Emerging Markets ETF ETF 46434G103 293 5,459 SH   SOLE   0 0 5,459
iShares iBonds Dec 2021 Term Corporate ETF ETF 46343VBK5 273 10,948 SH   SOLE   0 0 10,948
iShares iBonds Dec 2022 Term Corporate ETF ETF 46434VBA7 267 10,547 SH   SOLE   0 0 10,547
iShares Core MSCI Total International Stock ETF ETF 46432F834 267 4,802 SH   SOLE   0 0 4,802
SPDR Gold Trust ETF 78463V107 245 1,712 SH   SOLE   0 0 1,712
SPDR Barclays Capital Short Term International Treasury Bond ETF ETF 78464A334 213 6,917 SH   SOLE   0 0 6,917
Visa Inc STOCK 92826C839 225 1,200 SH   SOLE   0 0 1,200