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 24,942 395,409 SH   SOLE   0 0 395,409
Schwab International Equity ETF ETF 808524805 14,988 444,639 SH   SOLE   0 0 444,639
Schwab US Aggregate Bond Etf ETF 808524839 7,193 140,990 SH   SOLE   0 0 140,990
Schwab US Dividend Equity ETF ETF 808524797 6,279 128,077 SH   SOLE   0 0 128,077
iShares 1-3 Year Credit Bond Fund ETF 464288646 6,253 60,246 SH   SOLE   0 0 60,246
Schwab US REIT ETF ETF 808524847 4,947 129,354 SH   SOLE   0 0 129,354
iShares Barclays Intermediate Credit Bond Fund ETF 464288638 4,912 45,808 SH   SOLE   0 0 45,808
Charles Schwab US Mid-Cap ETF ETF 808524508 4,658 88,090 SH   SOLE   0 0 88,090
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,649 127,335 SH   SOLE   0 0 127,335
ETFS Physical Precious Metals Basket ETF 26922W109 4,585 71,343 SH   SOLE   0 0 71,343
Vanguard MSCI Emerging Markets ETF ETF 922042858 4,504 95,882 SH   SOLE   0 0 95,882
Charles Schwab Short Term US Treasury ETF ETF 808524862 4,246 85,192 SH   SOLE   0 0 85,192
Charles Schwab US Small Cap ETF ETF 808524607 3,672 53,129 SH   SOLE   0 0 53,129
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 3,611 69,474 SH   SOLE   0 0 69,474
Powershares BulletShares 2023 Corporate Bond EFT ETF 73939W862 3,471 170,242 SH   SOLE   0 0 170,242
Powershares BulletShares 2021 Corporate Bond EFT ETF 73939W706 3,458 166,123 SH   SOLE   0 0 166,123
Schwab Emerging Markets Equity ETF ETF 808524706 3,077 107,230 SH   SOLE   0 0 107,230
SPDR MSCI ACWI es-US ETF ETF 78463X848 3,011 77,509 SH   SOLE   0 0 77,509
Schwab U.S. Large-Cap Value ETF ETF 808524409 2,922 55,308 SH   SOLE   0 0 55,308
iShares Barclays Aggregate Bond Fund ETF 464287226 2,805 26,161 SH   SOLE   0 0 26,161
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 2,770 52,683 SH   SOLE   0 0 52,683
Schwab U.S. Large-Cap Growth ETF ETF 808524300 2,681 37,393 SH   SOLE   0 0 37,393
SPDR Barclays Capital Short Term International Treasury Bond ETF ETF 78464A334 2,593 78,403 SH   SOLE   0 0 78,403
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,295 10,962 SH   SOLE   0 0 10,962
iShares Morningstar Mid Value Index Fund ETF 464288406 2,194 14,073 SH   SOLE   0 0 14,073
Powershares BulletShares 2020 Corporate Bond EFT ETF 18383M514 1,976 93,872 SH   SOLE   0 0 93,872
iShares Core S&P 500 ETF ETF 464287200 1,913 7,209 SH   SOLE   0 0 7,209
iShares Tr Lehman Tips ETF 464287176 1,883 16,657 SH   SOLE   0 0 16,657
iShares Morningstar Large Value Index Fund ETF 464288109 1,418 13,969 SH   SOLE   0 0 13,969
Powershares BulletShares 2022 Corporate Bond EFT ETF 18383M258 1,356 65,316 SH   SOLE   0 0 65,316
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,315 12,381 SH   SOLE   0 0 12,381
iShares Morningstar Large Growth Index Fund ETF 464287119 1,295 7,909 SH   SOLE   0 0 7,909
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,252 21,724 SH   SOLE   0 0 21,724
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,241 22,821 SH   SOLE   0 0 22,821
Vanguard Large Cap ETF ETF 922908637 1,232 10,171 SH   SOLE   0 0 10,171
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 1,180 12,654 SH   SOLE   0 0 12,654
iShares Morningstar Small Growth Index Fund ETF 464288604 1,178 6,353 SH   SOLE   0 0 6,353
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,177 7,481 SH   SOLE   0 0 7,481
iShares Morningstar Small Value Index Fund ETF 464288703 1,124 7,863 SH   SOLE   0 0 7,863
Vanguard FTSE All World EX US Index Fund ETF 922042775 1,026 18,871 SH   SOLE   0 0 18,871
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 1,008 30,472 SH   SOLE   0 0 30,472
iShares Core MSCI EAFE ETF ETF 46432F842 984 14,938 SH   SOLE   0 0 14,938
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 977 9,822 SH   SOLE   0 0 9,822
Vanguard Total Stock MKT ETF 922908769 848 6,253 SH   SOLE   0 0 6,253
iShares S&P Aggressive ETF 464289859 738 13,794 SH   SOLE   0 0 13,794
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 726 3,122 SH   SOLE   0 0 3,122
Vanguard High Dividend Yield ETF ETF 921946406 610 7,398 SH   SOLE   0 0 7,398
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 595 4,821 SH   SOLE   0 0 4,821
Berkshire Hathaway Class B STOCK 084670702 558 2,800 SH   SOLE   0 0 2,800
iShares S&P 500 Growth Index ETF 464287309 555 3,585 SH   SOLE   0 0 3,585
SPDR S&P 500 ETF ETF 78462F103 552 2,101 SH   SOLE   0 0 2,101
iShares Core S&P Mid-Cap ETF ETF 464287507 544 2,900 SH   SOLE   0 0 2,900
Amazon.com Inc STOCK 023135106 538 372 SH   SOLE   0 0 372
iShares MSCI ACWI ETF ETF 464288257 520 7,253 SH   SOLE   0 0 7,253
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 479 5,532 SH   SOLE   0 0 5,532
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 464 5,426 SH   SOLE   0 0 5,426
iShares U.S. Real Estate ETF ETF 464287739 426 5,646 SH   SOLE   0 0 5,646
iShares Core S&P Small-Cap ETF ETF 464287804 369 4,793 SH   SOLE   0 0 4,793
iShares MSCI Emerging Markets ETF ETF 464287234 344 7,135 SH   SOLE   0 0 7,135
iShares MSCI EAFE Small-Cap ETF 464288273 316 4,855 SH   SOLE   0 0 4,855
iShares U.S. Treasury Bond ETF ETF 46429B267 303 12,295 SH   SOLE   0 0 12,295
Boeing Co STOCK 097023105 266 814 SH   SOLE   0 0 814
iShares Select Dividend ETF 464287168 258 2,714 SH   SOLE   0 0 2,714
iShares Core MSCI Total International Stock ETF ETF 46432F834 251 4,451 SH   SOLE   0 0 4,451
Market Vectors Gold Miners ETF 57060U100 229 10,450 SH   SOLE   0 0 10,450
SPDR Gold Trust ETF 78463V107 215 1,712 SH   SOLE   0 0 1,712