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
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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
ISHARES CORE S&P MCP ETF 464287507 6,165 43,086 SH   SOLE   43,086 0 0
ISHARES RUS 1000 VAL ETF 464287598 10,680 105,457 SH   SOLE   105,457 0 0
ISHARES RUS 2000 VAL ETF 464287630 5,195 50,306 SH   SOLE   50,306 0 0
ISHARES RUS 2000 GRW ETF 464287648 5,590 40,383 SH   SOLE   40,383 0 0
ISHARES U.S. REAL ES ETF 464287739 9,976 138,961 SH   SOLE   138,961 0 0
ISHARES MSCI ACWI ETF 464288257 10,405 172,675 SH   SOLE   172,675 0 0
ISHARES U.S. PFD STK ETF 464288687 1,701 42,619 SH   SOLE   42,619 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 9,628 102,527 SH   SOLE   102,527 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,565 53,979 SH   SOLE   53,979 0 0
SPDR SERIES TRUST BRC CNV SECS ETF 78464A359 1,264 25,038 SH   SOLE   25,038 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 1,549 37,110 SH   SOLE   37,110 0 0
SPDR SERIES TRUST OILGAS EQUIP 78464A748 340 6,893 SH   SOLE   6,893 0 0
SPDR SERIES TRUST S&P INS ETF 78464A789 227 3,538 SH   SOLE   3,538 0 0
SPDR SERIES TRUST S&P HOMEBUILD 78464A888 330 10,089 SH   SOLE   10,089 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 205 4,218 SH   SOLE   4,218 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 203 4,735 SH   SOLE   4,735 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 202 6,130 SH   SOLE   6,130 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 268 5,166 SH   SOLE   5,166 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 5,436 109,515 SH   SOLE   109,515 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 230 3,788 SH   SOLE   3,788 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 326 4,879 SH   SOLE   4,879 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 238 2,375 SH   SOLE   2,375 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 225 9,898 SH   SOLE   9,898 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,352 193,648 SH   SOLE   193,648 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 547 6,811 SH   SOLE   6,811 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 204 1,937 SH   SOLE   1,937 0 0