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 3,592 113,626 SH   SOLE 0 113,626 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,112 81,304 SH   SOLE 0 81,304 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 500 31,569 SH   SOLE 0 0 0 31,569
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 6,995 288,685 SH   SOLE 0 288,685 0 0
ISHARES MSCI EUROZONE ETF 464286608 964 27,852 SH   SOLE 0 27,852 0 0
ISHARES IBOXX HI YD ETF 464288513 3,676 42,474 SH   SOLE 0 42,474 0 0
ISHARES IBOXX INV CP ETF 464287242 290 2,472 SH   SOLE 0 65 0 2,407
POWERSHARES GLOBAL ETF TRUST I-30 LAD TREAS 73936T524 1,997 70,649 SH   SOLE 0 68,144 0 2,505
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 2,913 80,724 SH   SOLE 0 80,724 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,105 131,839 SH   SOLE 0 126,387 0 5,452
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,409 117,135 SH   SOLE 0 117,135 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,159 332,037 SH   SOLE 0 316,813 0 15,224
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 315 11,393 SH   SOLE 0 11,393 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,624 64,908 SH   SOLE 0 64,908 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,330 81,130 SH   SOLE 0 81,130 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 829 15,121 SH   SOLE 0 12,625 0 2,496
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,261 150,995 SH   SOLE 0 150,995 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,401 27,199 SH   SOLE 0 27,199 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 6,132 127,912 SH   SOLE 0 117,831 0 10,081
VANGUARD INDEX FDS REIT ETF 922908553 326 3,955 SH   SOLE 0 0 0 3,955
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 7,404 127,395 SH   SOLE 0 119,080 0 8,315
VANGUARD INDEX FDS VALUE ETF 922908744 335 3,603 SH   SOLE 0 0 0 3,603
VANGUARD INDEX FDS GROWTH ETF 922908736 318 2,855 SH   SOLE 0 0 0 2,855
WASHINGTONFIRST BANKSHARES I COM 940730104 910 31,396 SH   SOLE 0 31,396 0 0
EGA EMERGING GLOBAL SHS TR EGSHS EM EX-CH 26846L304 6,724 297,531 SH   SOLE 0 297,531 0 0
EXXON MOBIL CORP COM 30231G102 227 2,519 SH   SOLE 0 2,519 0 0
CREDIT SUISSE NASSAU BRH INVRS VIX MDTERM 22542D829 3,878 83,333 SH   SOLE 0 83,333 0 0