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
ABBOTT LABS COM 002824100 8 211 SH   SOLE 0 0 211
AMERICAN EXPRESS CO COM 025816109 56 754 SH   SOLE 0 0 754
AMERICAN INTL GROUP INC COM NEW 026874784 1 22 SH   SOLE 0 0 22
APPLE INC COM 037833100 49 445 SH   SOLE 0 0 445
AT&T INC COM 00206R102 124 3,809 SH   SOLE 0 0 3,809
BANK AMER CORP COM 060505104 16 1,056 SH   SOLE 0 0 1,056
BARRICK GOLD CORP COM 067901108 4 700 SH   SOLE 0 0 700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 60 457 SH   SOLE 0 0 457
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107 71 4,950 SH   SOLE 0 0 4,950
BOEING CO COM 097023105 1 5 SH   SOLE 0 0 5
CA INC COM 12673P105 1 33 SH   SOLE 0 0 33
CARNIVAL CORP PAIRED CTF 143658300 5 100 SH   SOLE 0 0 100
CARPENTER TECHNOLOGY CORP COM 144285103 1 19 SH   SOLE 0 0 19
CATERPILLAR INC DEL COM 149123101 20 300 SH   SOLE 0 0 300
CHEVRON CORP NEW COM 166764100 95 1,200 SH   SOLE 0 0 1,200
CISCO SYS INC COM 17275R102 58 2,200 SH   SOLE 0 0 2,200
CIT GROUP INC COM NEW 125581801 1 13 SH   SOLE 0 0 13
CITIGROUP INC COM NEW 172967424 11 228 SH   SOLE 0 0 228
CNO FINL GROUP INC COM 12621E103 1 57 SH   SOLE 0 0 57
COACH INC COM 189754104 1 18 SH   SOLE 0 0 18
COCA COLA CO COM 191216100 20 500 SH   SOLE 0 0 500
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 1 20 SH   SOLE 0 0 20
COSTCO WHSL CORP NEW COM 22160K105 262 1,810 SH   SOLE 0 0 1,810
CPI AEROSTRUCTURES INC COM NEW 125919308 47 5,300 SH   SOLE 0 0 5,300
CUTWATER SELECT INCOME FD COM 232229104 139 7,307 SH   SOLE 0 0 7,307
CVS HEALTH CORP COM 126650100 1 8 SH   SOLE 0 0 8
DANAHER CORP DEL COM 235851102 1 8 SH   SOLE 0 0 8
DBX ETF TR DB XTR MSCI EUR 233051853 14,130 565,425 SH   SOLE 0 0 565,425
DISNEY WALT CO COM DISNEY 254687106 8 75 SH   SOLE 0 0 75
DR PEPPER SNAPPLE GROUP INC COM 26138E109 10 132 SH   SOLE 0 0 132
EATON VANCE CA MUNI INCOME T SH BEN INT 27826F101 15 1,107 SH   SOLE 0 0 1,107
EATON VANCE CALIF MUN BD FD COM 27828C106 13 1,000 SH   SOLE 0 0 1,000
EXETER RES CORP COM 301835104 1 3,000 SH   SOLE 0 0 3,000
EXPRESS SCRIPTS HLDG CO COM 30219G108 1 10 SH   SOLE 0 0 10
EXXON MOBIL CORP COM 30231G102 141 1,900 SH   SOLE 0 0 1,900
FACEBOOK INC CL A 30303M102 81 904 SH   SOLE 0 0 904
FIDELITY NATL INFORMATION SV COM 31620M106 1 9 SH   SOLE 0 0 9
FIRST TR EXCHAN TRADED FD VI FST TR GLB FD 33739H101 17,045 766,746 SH   SOLE 0 0 766,746
FORD MTR CO DEL COM PAR $0.01 345370860 54 4,000 SH   SOLE 0 0 4,000
FRONTIER COMMUNICATIONS CORP COM 35906A108 1 288 SH   SOLE 0 0 288
FS INVT CORP COM 302635107 41 4,346 SH   SOLE 0 0 4,346
GENERAL ELECTRIC CO COM 369604103 116 4,584 SH   SOLE 0 0 4,584
GLOBAL NET LEASE INC COM 379378102 29 3,100 SH   SOLE 0 0 3,100
GOLDMAN SACHS GROUP INC COM 38141G104 70 400 SH   SOLE 0 0 400
GOLDMAN SACHS MLP ENERGY REN COM 38148G107 2 300 SH   SOLE 0 0 300
HEALTHCARE TR AMER INC CL A NEW 42225P501 36 1,463 SH   SOLE 0 0 1,463
HERBALIFE LTD COM USD SHS G4412G101 1 13 SH   SOLE 0 0 13
HOME DEPOT INC COM 437076102 241 2,086 SH   SOLE 0 0 2,086
HUMANA INC COM 444859102 72 400 SH   SOLE 0 0 400
INTEL CORP COM 458140100 6 200 SH   SOLE 0 0 200
INTERNATIONAL BUSINESS MACHS COM 459200101 20 135 SH   SOLE 0 0 135
INVESCO CALIF VALUE MUN INC COM 46132H106 14 1,083 SH   SOLE 0 0 1,083
ISHARES MSCI AUST ETF 464286103 18 990 SH   SOLE 0 0 990
ISHARES MSCI BRZ CAP ETF 464286400 10 472 SH   SOLE 0 0 472
ISHARES MSCI CDA ETF 464286509 14 598 SH   SOLE 0 0 598
ISHARES MSCI EURZONE ETF 464286608 2 72 SH   SOLE 0 0 72
ISHARES MSCI FRANCE ETF 464286707 21 858 SH   SOLE 0 0 858
ISHARES MSCI GERMANY ETF 464286806 26 1,051 SH   SOLE 0 0 1,051
ISHARES MSCI HONG KG ETF 464286871 14 717 SH   SOLE 0 0 717
ISHARES MSCI JAPAN ETF 464286848 56 4,875 SH   SOLE 0 0 4,875
ISHARES MSCI MEX CAP ETF 464286822 13 249 SH   SOLE 0 0 249
ISHARES MSCI SINGAP ETF 464286673 13 1,269 SH   SOLE 0 0 1,269
ISHARES MSCI STH KOR ETF 464286772 14 296 SH   SOLE 0 0 296
ISHARES MSCI SZ CAP ETF 464286749 23 756 SH   SOLE 0 0 756
ISHARES INC CORE MSCI EMKT 46434G103 4,213 105,614 SH   SOLE 0 0 105,614
ISHARES TR 1-3 YR CR BD ETF 464288646 19,797 188,307 SH   SOLE 0 0 188,307
ISHARES TR 1-3 YR TR BD ETF 464287457 261 3,066 SH   SOLE 0 0 3,066
ISHARES TR 20+ YR TR BD ETF 464287432 3 23 SH   SOLE 0 0 23
ISHARES TR 3-7 YR TR BD ETF 464288661 1 5 SH   SOLE 0 0 5
ISHARES TR COHEN&STEER REIT 464287564 17 188 SH   SOLE 0 0 188
ISHARES TR CORE MSCI EAFE 46432F842 2,703 51,188 SH   SOLE 0 0 51,188
ISHARES TR CORE S&P MCP ETF 464287507 48,680 356,344 SH   SOLE 0 0 356,344
ISHARES TR CORE S&P SCP ETF 464287804 30,134 282,761 SH   SOLE 0 0 282,761
ISHARES TR CORE S&P500 ETF 464287200 74 382 SH   SOLE 0 0 382
ISHARES TR CORE US AGGBD ET 464287226 69 628 SH   SOLE 0 0 628
ISHARES TR CUR HD EURZN ETF 46434V639 2,214 89,281 SH   SOLE 0 0 89,281
ISHARES TR FLTG RATE BD ETF 46429B655 43,906 870,296 SH   SOLE 0 0 870,296
ISHARES TR IBOXX HI YD ETF 464288513 3,593 43,137 SH   SOLE 0 0 43,137
ISHARES TR IBOXX INV CP ETF 464287242 1 11 SH   SOLE 0 0 11
ISHARES TR INTERM CR BD ETF 464288638 5 42 SH   SOLE 0 0 42
ISHARES TR JP MOR EM MK ETF 464288281 9,052 85,073 SH   SOLE 0 0 85,073
ISHARES TR MBS ETF 464288588 1 6 SH   SOLE 0 0 6
ISHARES TR MSCI EAFE ETF 464287465 918 16,021 SH   SOLE 0 0 16,021
ISHARES TR MSCI UTD KNGDM 46434V548 57 3,493 SH   SOLE 0 0 3,493
ISHARES TR RUS 1000 GRW ETF 464287614 5 57 SH   SOLE 0 0 57
ISHARES TR RUS 1000 VAL ETF 464287598 8 86 SH   SOLE 0 0 86
ISHARES TR RUS 2000 GRW ETF 464287648 1 11 SH   SOLE 0 0 11
ISHARES TR RUS 2000 VAL ETF 464287630 1 14 SH   SOLE 0 0 14
ISHARES TR RUS MID-CAP ETF 464287499 1 7 SH   SOLE 0 0 7
ISHARES TR RUSSELL 2000 ETF 464287655 3,462 31,707 SH   SOLE 0 0 31,707
ISHARES TR S&P 500 GRWT ETF 464287309 11 100 SH   SOLE 0 0 100
ISHARES TR SELECT DIVID ETF 464287168 2 26 SH   SOLE 0 0 26
ISHARES TR SHRT TRS BD ETF 464288679 19 170 SH   SOLE 0 0 170
ISHARES TR U.S. PFD STK ETF 464288687 7,601 196,929 SH   SOLE 0 0 196,929
JOHNSON & JOHNSON COM 478160104 37 400 SH   SOLE 0 0 400
JPMORGAN CHASE & CO COM 46625H100 19 312 SH   SOLE 0 0 312
KBR INC COM 48242W106 1 59 SH   SOLE 0 0 59
LILLY ELI & CO COM 532457108 1 10 SH   SOLE 0 0 10
M & T BK CORP COM 55261F104 1 5 SH   SOLE 0 0 5
MARCUS & MILLICHAP INC COM 566324109 41 900 SH   SOLE 0 0 900
MARKET VECTORS ETF TR INVT GRD FL RT 57060U514 2,424 97,949 SH   SOLE 0 0 97,949
MARKET VECTORS ETF TR RUSSIA ETF 57060U506 15 976 SH   SOLE 0 0 976
MCDONALDS CORP COM 580135101 914 9,281 SH   SOLE 0 0 9,281
MERCK & CO INC NEW COM 58933Y105 15 297 SH   SOLE 0 0 297
MFS CALIF MUN FD COM 59318C106 55 5,000 SH   SOLE 0 0 5,000
MICROSOFT CORP COM 594918104 90 2,035 SH   SOLE 0 0 2,035
MILLER INDS INC TENN COM NEW 600551204 59 3,000 SH   SOLE 0 0 3,000
MOTORCAR PTS AMER INC COM 620071100 63 2,000 SH   SOLE 0 0 2,000
NETAPP INC COM 64110D104 326 11,000 SH   SOLE 0 0 11,000
NEW MEDIA INVT GROUP INC COM 64704V106 1 43 SH   SOLE 0 0 43
NEWMONT MINING CORP COM 651639106 6 400 SH   SOLE 0 0 400
NUVEEN CA DIV ADV MUNI FD 3 COM SH BEN INT 67070Y109 13 1,000 SH   SOLE 0 0 1,000
NUVEEN CA DIVIDEND ADV MUN F COM 67066Y105 31 2,046 SH   SOLE 0 0 2,046
NUVEEN CA SELECT TAX FREE PR SH BEN INT 67063R103 122 8,000 SH   SOLE 0 0 8,000
NUVEEN CAL AMT-FREE MUN INC COM 670651108 30 2,023 SH   SOLE 0 0 2,023
NUVEEN CALIF MUN VALUE FD COM 67062C107 119 11,250 SH   SOLE 0 0 11,250
NUVEEN CALIF MUNICPAL VALU F COM 6706EB106 97 5,893 SH   SOLE 0 0 5,893
OCCIDENTAL PETE CORP DEL COM 674599105 1 8 SH   SOLE 0 0 8
ORACLE CORP COM 68389X105 29 810 SH   SOLE 0 0 810
PAYCHEX INC COM 704326107 19 400 SH   SOLE 0 0 400
PFIZER INC COM 717081103 64 2,027 SH   SOLE 0 0 2,027
PHILIP MORRIS INTL INC COM 718172109 1 8 SH   SOLE 0 0 8
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 2,199 23,236 SH   SOLE 0 0 23,236
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 16 155 SH   SOLE 0 0 155
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 8 510 SH   SOLE 0 0 510
POWERSHARES ETF TR II VAR RATE PFD POR 73937B597 15,610 642,644 SH   SOLE 0 0 642,644
POWERSHARES ETF TRUST GBL LSTD PVT EQT 73935X195 18,936 1,803,488 SH   SOLE 0 0 1,803,488
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 19,851 861,595 SH   SOLE 0 0 861,595
POWERSHARES GLOBAL ETF TRUST AGG PFD PORT 73936T565 154 10,587 SH   SOLE 0 0 10,587
POWERSHARES GLOBAL ETF TRUST WK VRDO TX FR 73936T433 125 5,000 SH   SOLE 0 0 5,000
PROCTER & GAMBLE CO COM 742718109 119 1,650 SH   SOLE 0 0 1,650
PROSHARES TR PRIV EQTY-LSTD 74348A533 1,799 47,503 SH   SOLE 0 0 47,503
QUALCOMM INC COM 747525103 28 515 SH   SOLE 0 0 515
SCHLUMBERGER LTD COM 806857108 1 8 SH   SOLE 0 0 8
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 94 4,658 SH   SOLE 0 0 4,658
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 137 5,013 SH   SOLE 0 0 5,013
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1 12 SH   SOLE 0 0 12
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6 126 SH   SOLE 0 0 126
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 441 9,630 SH   SOLE 0 0 9,630
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 451 11,592 SH   SOLE 0 0 11,592
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 268 5,268 SH   SOLE 0 0 5,268
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 9 200 SH   SOLE 0 0 200
SOLARCITY CORP COM 83416T100 1 13 SH   SOLE 0 0 13
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 409 12,097 SH   SOLE 0 0 12,097
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,926 20,486 SH   SOLE 0 0 20,486
SPDR SER TR SHT TRM HGH YLD 78468R408 17,441 647,409 SH   SOLE 0 0 647,409
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 557 15,620 SH   SOLE 0 0 15,620
SPDR SERIES TRUST NUVN CALI MUNI 78464A441 72 3,000 SH   SOLE 0 0 3,000
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 75 1,704 SH   SOLE 0 0 1,704
SSGA ACTIVE ETF TR BLKSTN GSOSRLN 78467V608 3,152 66,001 SH   SOLE 0 0 66,001
STARBUCKS CORP COM 855244109 1 22 SH   SOLE 0 0 22
TEKLA HEALTHCARE OPPORTUNIT SHS 879105104 13 800 SH   SOLE 0 0 800
TESLA MTRS INC COM 88160R101 1 4 SH   SOLE 0 0 4
TEXAS INSTRS INC COM 882508104 1 13 SH   SOLE 0 0 13
TIME WARNER CABLE INC COM 88732J207 2 12 SH   SOLE 0 0 12
TJX COS INC NEW COM 872540109 1 8 SH   SOLE 0 0 8
UNITED DEV FDG IV COM 910187103 31 1,750 SH   SOLE 0 0 1,750
UNITEDHEALTH GROUP INC COM 91324P102 1 6 SH   SOLE 0 0 6
UNIVERSAL TECHNICAL INST INC COM 913915104 7 2,000 SH   SOLE 0 0 2,000
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,083 13,215 SH   SOLE 0 0 13,215
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4 74 SH   SOLE 0 0 74
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,326 37,773 SH   SOLE 0 0 37,773
VANGUARD INDEX FDS MID CAP ETF 922908629 2,437 20,888 SH   SOLE 0 0 20,888
VANGUARD INDEX FDS REIT ETF 922908553 9 125 SH   SOLE 0 0 125
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 54,117 307,992 SH   SOLE 0 0 307,992
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,241 11,500 SH   SOLE 0 0 11,500
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,412 14,299 SH   SOLE 0 0 14,299
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,379 32,356 SH   SOLE 0 0 32,356
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,696 746,341 SH   SOLE 0 0 746,341
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 33 668 SH   SOLE 0 0 668
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2 39 SH   SOLE 0 0 39
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1 9 SH   SOLE 0 0 9
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 888 11,139 SH   SOLE 0 0 11,139
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 484 6,566 SH   SOLE 0 0 6,566
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 26,730 749,999 SH   SOLE 0 0 749,999
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,919 25,866 SH   SOLE 0 0 25,866
VEREIT INC COM 92339V100 4 500 SH   SOLE 0 0 500
VERISK ANALYTICS INC COM 92345Y106 1 7 SH   SOLE 0 0 7
VERIZON COMMUNICATIONS INC COM 92343V104 66 1,512 SH   SOLE 0 0 1,512
VIOLIN MEMORY INC COM 92763A101 51 37,000 SH   SOLE 0 0 37,000
VISA INC COM CL A 92826C839 2 26 SH   SOLE 0 0 26
VOYA FINL INC COM 929089100 1 19 SH   SOLE 0 0 19
XENIA HOTELS & RESORTS INC COM 984017103 12 698 SH   SOLE 0 0 698