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
3M CO COM 88579Y101 209 890 SH   SOLE   0 0 890
ABBOTT LABS COM 002824100 225 3,945 SH   SOLE   0 0 3,945
ABBVIE INC COM 00287Y109 374 3,866 SH   SOLE   0 0 3,866
ADVANCE AUTO PARTS INC COM 00751Y106 338 3,392 SH   SOLE   0 0 3,392
ALTRIA GROUP INC COM 02209S103 878 12,292 SH   SOLE   0 0 12,292
AMAZON COM INC COM 023135106 289 247 SH   SOLE   0 0 247
APPLE INC COM 037833100 2,525 14,919 SH   SOLE   0 0 14,919
AT&T INC COM 00206R102 237 6,099 SH   SOLE   0 0 6,099
BECTON DICKINSON & CO COM 075887109 365 1,703 SH   SOLE   0 0 1,703
BERKSHIRE HATHAWAY INC DEL CL A 084670108 893 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,839 24,414 SH   SOLE   0 0 24,414
BRISTOL MYERS SQUIBB CO COM 110122108 347 5,661 SH   SOLE   0 0 5,661
CATERPILLAR INC DEL COM 149123101 328 2,082 SH   SOLE   0 0 2,082
CENTURYLINK INC COM 156700106 299 17,925 SH   SOLE   0 0 17,925
CISCO SYS INC COM 17275R102 364 9,493 SH   SOLE   0 0 9,493
COCA COLA CO COM 191216100 852 18,580 SH   SOLE   0 0 18,580
COMCAST CORP NEW CL A 20030N101 247 6,166 SH   SOLE   0 0 6,166
CULLEN FROST BANKERS INC COM 229899109 3,250 34,335 SH   SOLE   0 0 34,335
DBX ETF TR XTRACK MSCI EAFE 233051200 72,943 2,295,255 SH   SOLE   0 0 2,295,255
ENTERPRISE PRODS PARTNERS L COM 293792107 278 10,471 SH   SOLE   0 0 10,471
EOG RES INC COM 26875P101 249 2,306 SH   SOLE   0 0 2,306
EXPRESS SCRIPTS HLDG CO COM 30219G108 371 4,969 SH   SOLE   0 0 4,969
EXXON MOBIL CORP COM 30231G102 1,180 14,111 SH   SOLE   0 0 14,111
FIRST FINL BANKSHARES COM 32020R109 200 4,449 SH   SOLE   0 0 4,449
FLEXSHARES TR IBOXX 3R TARGT 33939L506 269 11,041 SH   SOLE   0 0 11,041
GENERAL MTRS CO COM 37045V100 270 6,579 SH   SOLE   0 0 6,579
HARTFORD FINL SVCS GROUP INC COM 416515104 1,571 27,911 SH   SOLE   0 0 27,911
HOME DEPOT INC COM 437076102 412 2,175 SH   SOLE   0 0 2,175
INTEL CORP COM 458140100 450 9,753 SH   SOLE   0 0 9,753
INTERNATIONAL BUSINESS MACHS COM 459200101 296 1,928 SH   SOLE   0 0 1,928
ISHARES INC MIN VOL GBL ETF 464286525 241 2,859 SH   SOLE   0 0 2,859
ISHARES INC CORE MSCI EMKT 46434G103 48,611 854,324 SH   SOLE   0 0 854,324
ISHARES TR SELECT DIVID ETF 464287168 320 3,248 SH   SOLE   0 0 3,248
ISHARES TR TIPS BD ETF 464287176 378 3,310 SH   SOLE   0 0 3,310
ISHARES TR CORE S&P500 ETF 464287200 69,355 257,970 SH   SOLE   0 0 257,970
ISHARES TR CORE US AGGBD ET 464287226 217 1,989 SH   SOLE   0 0 1,989
ISHARES TR MSCI EMG MKT ETF 464287234 6,153 130,584 SH   SOLE   0 0 130,584
ISHARES TR S&P 500 GRWT ETF 464287309 204 1,336 SH   SOLE   0 0 1,336
ISHARES TR S&P 500 VAL ETF 464287408 468 4,097 SH   SOLE   0 0 4,097
ISHARES TR MSCI EAFE ETF 464287465 20,812 295,998 SH   SOLE   0 0 295,998
ISHARES TR RUS MDCP VAL ETF 464287473 836 9,383 SH   SOLE   0 0 9,383
ISHARES TR CORE S&P MCP ETF 464287507 385 2,031 SH   SOLE   0 0 2,031
ISHARES TR RUS 1000 VAL ETF 464287598 1,225 9,851 SH   SOLE   0 0 9,851
ISHARES TR RUS 1000 GRW ETF 464287614 1,133 8,410 SH   SOLE   0 0 8,410
ISHARES TR RUS 1000 ETF 464287622 40,117 269,945 SH   SOLE   0 0 269,945
ISHARES TR RUS 2000 VAL ETF 464287630 546 4,341 SH   SOLE   0 0 4,341
ISHARES TR RUSSELL 2000 ETF 464287655 7,869 51,616 SH   SOLE   0 0 51,616
ISHARES TR RUSSELL 3000 ETF 464287689 213 1,349 SH   SOLE   0 0 1,349
ISHARES TR U.S. REAL ES ETF 464287739 1,758 21,704 SH   SOLE   0 0 21,704
ISHARES TR CORE S&P SCP ETF 464287804 1,278 16,637 SH   SOLE   0 0 16,637
ISHARES TR SP SMCP600VL ETF 464287879 282 1,838 SH   SOLE   0 0 1,838
ISHARES TR EAFE SML CP ETF 464288273 3,772 58,486 SH   SOLE   0 0 58,486
ISHARES TR INTL DEVPPTY ETF 464288422 1,946 49,270 SH   SOLE   0 0 49,270
ISHARES TR RESIDNL REAL EST 464288562 860 13,825 SH   SOLE   0 0 13,825
ISHARES TR MBS ETF 464288588 232 2,180 SH   SOLE   0 0 2,180
ISHARES TR 1 3 YR CR BD ETF 464288646 280 2,678 SH   SOLE   0 0 2,678
ISHARES TR MICRO-CAP ETF 464288869 10,439 109,071 SH   SOLE   0 0 109,071
ISHARES TR EAFE GRWTH ETF 464288885 344 4,264 SH   SOLE   0 0 4,264
ISHARES TR FLTG RATE NT ETF 46429B655 1,562 30,744 SH   SOLE   0 0 30,744
ISHARES TR MIN VOL USA ETF 46429B697 286 5,423 SH   SOLE   0 0 5,423
ISHARES TR USA QUALITY FCTR 46432F339 109,735 1,323,708 SH   SOLE   0 0 1,323,708
ISHARES TR USA MOMENTUM FCT 46432F396 434 4,206 SH   SOLE   0 0 4,206
ISHARES TR CORE MSCI EAFE 46432F842 819 12,390 SH   SOLE   0 0 12,390
ISHARES TR HDG MSCI EAFE 46434V803 16,775 565,105 SH   SOLE   0 0 565,105
JOHNSON & JOHNSON COM 478160104 1,934 13,844 SH   SOLE   0 0 13,844
JPMORGAN CHASE & CO COM 46625H100 1,117 10,446 SH   SOLE   0 0 10,446
KIMBERLY CLARK CORP COM 494368103 244 2,022 SH   SOLE   0 0 2,022
KRAFT HEINZ CO COM 500754106 293 3,765 SH   SOLE   0 0 3,765
MCKESSON CORP COM 58155Q103 201 1,286 SH   SOLE   0 0 1,286
MICROSOFT CORP COM 594918104 2,020 23,616 SH   SOLE   0 0 23,616
NORTHROP GRUMMAN CORP COM 666807102 315 1,027 SH   SOLE   0 0 1,027
PFIZER INC COM 717081103 765 21,132 SH   SOLE   0 0 21,132
POWERSHARES ETF TR II PWRSHS SP500 LOW 73937B654 1,051 24,777 SH   SOLE   0 0 24,777
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 2,304 48,251 SH   SOLE   0 0 48,251
POWERSHARES ETF TRUST DWA MOMENTUM PTF 73935X153 235 4,545 SH   SOLE   0 0 4,545
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 305 1,961 SH   SOLE   0 0 1,961
PROCTER AND GAMBLE CO COM 742718109 422 4,592 SH   SOLE   0 0 4,592
PRUDENTIAL FINL INC COM 744320102 336 2,926 SH   SOLE   0 0 2,926
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,218 66,135 SH   SOLE   0 0 66,135
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 260 4,884 SH   SOLE   0 0 4,884
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,044 14,964 SH   SOLE   0 0 14,964
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,733 62,008 SH   SOLE   0 0 62,008
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,258 24,594 SH   SOLE   0 0 24,594
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,159 34,020 SH   SOLE   0 0 34,020
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 358 6,882 SH   SOLE   0 0 6,882
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,157 27,804 SH   SOLE   0 0 27,804
SCHWAB STRATEGIC TR US TIPS ETF 808524870 710 12,811 SH   SOLE   0 0 12,811
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 686 18,735 SH   SOLE   0 0 18,735
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 324 11,603 SH   SOLE   0 0 11,603
SPDR GOLD TRUST GOLD SHS 78463V107 301 2,436 SH   SOLE   0 0 2,436
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 7,749 191,374 SH   SOLE   0 0 191,374
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,102 4,130 SH   SOLE   0 0 4,130
SPDR SER TR NUVEEN BLMBRG SR 78468R739 654 13,648 SH   SOLE   0 0 13,648
SPX CORP COM 784635104 216 6,879 SH   SOLE   0 0 6,879
SPX FLOW INC COM 78469X107 295 6,205 SH   SOLE   0 0 6,205
US BANCORP DEL COM NEW 902973304 277 5,168 SH   SOLE   0 0 5,168
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 323 4,082 SH   SOLE   0 0 4,082
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 632 7,745 SH   SOLE   0 0 7,745
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 423 7,772 SH   SOLE   0 0 7,772
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 35,123 143,189 SH   SOLE   0 0 143,189
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 234 1,835 SH   SOLE   0 0 1,835
VANGUARD INDEX FDS REIT ETF 922908553 43,919 529,273 SH   SOLE   0 0 529,273
VANGUARD INDEX FDS SM CP VAL ETF 922908611 464 3,494 SH   SOLE   0 0 3,494
VANGUARD INDEX FDS GROWTH ETF 922908736 228 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,878 141,256 SH   SOLE   0 0 141,256
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,035 8,679 SH   SOLE   0 0 8,679
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 412 7,530 SH   SOLE   0 0 7,530
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,865 193,095 SH   SOLE   0 0 193,095
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 287 3,935 SH   SOLE   0 0 3,935
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 265 4,485 SH   SOLE   0 0 4,485
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 32,776 730,629 SH   SOLE   0 0 730,629
VERIZON COMMUNICATIONS INC COM 92343V104 491 9,274 SH   SOLE   0 0 9,274
VISA INC COM CL A 92826C839 380 3,332 SH   SOLE   0 0 3,332
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 308 9,668 SH   SOLE   0 0 9,668
WAL-MART STORES INC COM 931142103 446 4,516 SH   SOLE   0 0 4,516
WELLS FARGO CO NEW COM 949746101 449 7,407 SH   SOLE   0 0 7,407
WEYERHAEUSER CO COM 962166104 649 18,400 SH   SOLE   0 0 18,400
WISDOMTREE TR US TOTAL DIVIDND 97717W109 253 2,726 SH   SOLE   0 0 2,726
WISDOMTREE TR EMER MKT HIGH FD 97717W315 272 5,990 SH   SOLE   0 0 5,990
WISDOMTREE TR US MIDCP EARNING 97717W570 278 7,008 SH   SOLE   0 0 7,008
WISDOMTREE TR US SMALLCAP DIVD 97717W604 592 20,373 SH   SOLE   0 0 20,373