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
ALTRIA GROUP INC COM 02209S103 934 14,899 SH   SOLE   0 0 14,899
APPLE INC COM 037833100 1,617 14,837 SH   SOLE   0 0 14,837
AT&T INC COM 00206R102 745 19,012 SH   SOLE   0 0 19,012
BANK AMER CORP COM 060505104 285 250 SH   SOLE   0 0 250
BARRETT BILL CORP COM 06846N104 219 35,228 SH   SOLE   0 0 35,228
BECTON DICKINSON & CO COM 075887109 304 2,000 SH   SOLE   0 0 2,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 640 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,498 31,704 SH   SOLE   0 0 31,704
BRISTOL MYERS SQUIBB CO COM 110122108 371 5,811 SH   SOLE   0 0 5,811
COBIZ FINANCIAL INC COM 190897108 307 25,937 SH   SOLE   0 0 25,937
COCA COLA CO COM 191216100 550 11,860 SH   SOLE   0 0 11,860
DBX ETF TR XTRAK MSCI EAFE 233051200 42,490 1,663,673 SH   SOLE   0 0 1,663,673
ENTERPRISE PRODS PARTNERS L COM 293792107 464 18,840 SH   SOLE   0 0 18,840
EXXON MOBIL CORP COM 30231G102 938 11,221 SH   SOLE   0 0 11,221
GENERAL ELECTRIC CO COM 369604103 597 18,794 SH   SOLE   0 0 18,794
HOME DEPOT INC COM 437076102 241 1,807 SH   SOLE   0 0 1,807
INTEL CORP COM 458140100 205 6,331 SH   SOLE   0 0 6,331
INTERNATIONAL BUSINESS MACHS COM 459200101 347 2,290 SH   SOLE   0 0 2,290
ISHARES MSCI JAPAN ETF 464286848 183 16,080 SH   SOLE   0 0 16,080
ISHARES INC CORE MSCI EMKT 46434G103 37,311 896,459 SH   SOLE   0 0 896,459
ISHARES TR TIPS BD ETF 464287176 247 2,152 SH   SOLE   0 0 2,152
ISHARES TR CORE S&P500 ETF 464287200 55,884 270,428 SH   SOLE   0 0 270,428
ISHARES TR MSCI EMG MKT ETF 464287234 5,234 152,814 SH   SOLE   0 0 152,814
ISHARES TR MSCI EAFE ETF 464287465 19,083 333,852 SH   SOLE   0 0 333,852
ISHARES TR RUS MDCP VAL ETF 464287473 284 3,998 SH   SOLE   0 0 3,998
ISHARES TR RUS 1000 ETF 464287622 41,303 362,084 SH   SOLE   0 0 362,084
ISHARES TR RUS 2000 VAL ETF 464287630 303 3,253 SH   SOLE   0 0 3,253
ISHARES TR RUSSELL 2000 ETF 464287655 7,546 68,206 SH   SOLE   0 0 68,206
ISHARES TR U.S. REAL ES ETF 464287739 2,287 29,375 SH   SOLE   0 0 29,375
ISHARES TR EUROPE ETF 464287861 243 6,215 SH   SOLE   0 0 6,215
ISHARES TR SP SMCP600VL ETF 464287879 561 4,947 SH   SOLE   0 0 4,947
ISHARES TR EAFE SML CP ETF 464288273 3,329 66,842 SH   SOLE   0 0 66,842
ISHARES TR INTL DEVPPTY ETF 464288422 4,492 122,863 SH   SOLE   0 0 122,863
ISHARES TR MICRO-CAP ETF 464288869 11,022 162,272 SH   SOLE   0 0 162,272
ISHARES TR EAFE VALUE ETF 464288877 210 4,685 SH   SOLE   0 0 4,685
ISHARES TR MSCI USA QLT FAC 46432F339 86,956 1,325,150 SH   SOLE   0 0 1,325,150
ISHARES TR HDG MSCI EAFE 46434V803 27,433 1,149,271 SH   SOLE   0 0 1,149,271
JOHNSON & JOHNSON COM 478160104 1,151 10,636 SH   SOLE   0 0 10,636
JPMORGAN CHASE & CO COM 46625H100 310 5,238 SH   SOLE   0 0 5,238
KRAFT HEINZ CO COM 500754106 263 3,353 SH   SOLE   0 0 3,353
MICROSOFT CORP COM 594918104 908 16,443 SH   SOLE   0 0 16,443
NORTHROP GRUMMAN CORP COM 666807102 215 1,084 SH   SOLE   0 0 1,084
PEPSICO INC COM 713448108 201 1,966 SH   SOLE   0 0 1,966
PFIZER INC COM 717081103 670 22,616 SH   SOLE   0 0 22,616
PLAINS GP HLDGS L P SHS A REP LTPN 72651A108 125 14,413 SH   SOLE   0 0 14,413
PROCTER & GAMBLE CO COM 742718109 315 3,832 SH   SOLE   0 0 3,832
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 769 15,739 SH   SOLE   0 0 15,739
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 468 8,985 SH   SOLE   0 0 8,985
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 739 35,580 SH   SOLE   0 0 35,580
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 622 22,935 SH   SOLE   0 0 22,935
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 281 5,324 SH   SOLE   0 0 5,324
SCHWAB STRATEGIC TR US REIT ETF 808524847 455 10,992 SH   SOLE   0 0 10,992
SCHWAB STRATEGIC TR US TIPS ETF 808524870 255 4,594 SH   SOLE   0 0 4,594
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 574 19,826 SH   SOLE   0 0 19,826
SPDR GOLD TRUST GOLD SHS 78463V107 265 2,250 SH   SOLE   0 0 2,250
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 30,588 737,776 SH   SOLE   0 0 737,776
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,232 5,993 SH   SOLE   0 0 5,993
SUNCOR ENERGY INC NEW COM 867224107 218 7,839 SH   SOLE   0 0 7,839
TEXTRON INC COM 883203101 255 7,000 SH   SOLE   0 0 7,000
TORO CO COM 891092108 3,445 40,000 SH   SOLE   0 0 40,000
UNION PAC CORP COM 907818108 44,367 557,728 SH   SOLE   0 0 557,728
US BANCORP DEL COM NEW 902973304 539 13,269 SH   SOLE   0 0 13,269
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 31,305 166,019 SH   SOLE   0 0 166,019
VANGUARD INDEX FDS REIT ETF 922908553 43,862 523,413 SH   SOLE   0 0 523,413
VANGUARD INDEX FDS SM CP VAL ETF 922908611 263 2,583 SH   SOLE   0 0 2,583
VANGUARD INDEX FDS VALUE ETF 922908744 276 3,354 SH   SOLE   0 0 3,354
VANGUARD INDEX FDS SMALL CP ETF 922908751 16,140 144,763 SH   SOLE   0 0 144,763
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,034 21,785 SH   SOLE   0 0 21,785
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,714 309,821 SH   SOLE   0 0 309,821
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 292 5,287 SH   SOLE   0 0 5,287
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 226 4,660 SH   SOLE   0 0 4,660
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 31,278 871,746 SH   SOLE   0 0 871,746
VANGUARD WORLD FDS ENERGY ETF 92204A306 201 2,346 SH   SOLE   0 0 2,346
VERIZON COMMUNICATIONS INC COM 92343V104 628 11,619 SH   SOLE   0 0 11,619
WELLS FARGO & CO NEW COM 949746101 1,425 23,500 SH   SOLE   0 0 23,500
WEYERHAEUSER CO COM 962166104 550 17,760 SH   SOLE   0 0 17,760
XCEL ENERGY INC COM 98389B100 542 12,972 SH   SOLE   0 0 12,972