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
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 3,593 114,066 SH   SOLE 0 114,066 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,307 79,978 SH   SOLE 0 79,978 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 599 39,922 SH   SOLE 0 0 0 39,922
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 3,285 139,950 SH   SOLE 0 139,950 0 0
ISHARES IBOXX HI YD ETF 464288513 3,711 42,531 SH   SOLE 0 42,531 0 0
ISHARES IBOXX INV CP ETF 464287242 350 2,840 SH   SOLE 0 7 0 2,833
POWERSHARES GLOBAL ETF TRUST I-30 LAD TREAS 73936T524 2,170 70,861 SH   SOLE 0 67,882 0 2,979
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 3,472 83,232 SH   SOLE 0 83,232 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,967 138,429 SH   SOLE 0 131,386 0 7,043
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,630 117,556 SH   SOLE 0 117,556 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,895 342,374 SH   SOLE 0 324,079 0 18,295
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 329 11,411 SH   SOLE 0 11,411 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,620 65,241 SH   SOLE 0 65,241 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,487 81,758 SH   SOLE 0 81,758 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 862 15,095 SH   SOLE 0 12,146 0 2,949
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,914 151,756 SH   SOLE 0 151,756 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,383 25,773 SH   SOLE 0 25,773 0 0
UNITED STATES OIL FUND LP UNITS 91232N108 3,687 337,298 SH   SOLE 0 337,298 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,263 149,045 SH   SOLE 0 136,948 0 12,097
VANGUARD INDEX FDS REIT ETF 922908553 401 4,618 SH   SOLE 0 0 0 4,618
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 8,038 132,677 SH   SOLE 0 122,391 0 10,286
VANGUARD INDEX FDS VALUE ETF 922908744 395 4,541 SH   SOLE 0 0 0 4,541
VANGUARD INDEX FDS GROWTH ETF 922908736 396 3,531 SH   SOLE 0 0 0 3,531
WASHINGTONFIRST BANKSHARES I COM 940730104 736 29,903 SH   SOLE 0 29,903 0 0
EGA EMERGING GLOBAL SHS TR EGSHS EM EX-CH 26846L304 7,044 299,097 SH   SOLE 0 299,097 0 0
EXXON MOBIL CORP COM 30231G102 227 2,601 SH   SOLE 0 2,601 0 0
CREDIT SUISSE NASSAU BRH INVRS VIX MDTERM 22542D829 3,703 84,878 SH   SOLE 0 84,878 0 0