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
Apple Inc STOCK 37833100 246 516 SH   SOLE   0 0 516
iShares Barclays Aggregate Bond Fund ETF 464287226 6,086 56,776 SH   SOLE   0 0 56,776
iShares S&P Aggressive ETF 464289859 658 15,674 SH   SOLE   0 0 15,674
SPDR Barclays Capital Short Term International Treasury Bond ETF ETF 78464A334 4,473 124,068 SH   SOLE   0 0 124,068
Wisdom Tree Emerging Currency Fund ETF 97717W133 886 44,012 SH   SOLE   0 0 44,012
iShares Barclays Intermediate Credit Bond Fund ETF 464288638 6,947 64,369 SH   SOLE   0 0 64,369
iShares 1-3 Year Credit Bond Fund ETF 464288646 9,251 87,872 SH   SOLE   0 0 87,872
Guggenheim Mulit-Asset Income Fund ETF 18383M506 1,315 55,464 SH   SOLE   0 0 55,464
SPDR MSCI ACWI (ex-US) ETF 78463X848 1,730 50,506 SH   SOLE   0 0 50,506
Diamonds Trust Series I ETF 252787106 236 1,566 SH   SOLE   0 0 1,566
Rydex CurrencyShares Euro Currency ETF 23130C108 949 7,091 SH   SOLE   0 0 7,091
CurrencyShares Swiss Franc Trust ETF 23129V109 931 8,585 SH   SOLE   0 0 8,585
CurrencyShares Japanese Yen Trust ETF 23130A102 758 7,619 SH   SOLE   0 0 7,619
ETFS Physical Precious Metals Basket ETF 26922W109 9,462 130,739 SH   SOLE   0 0 130,739
iShares Trust ETF 464288513 586 6,403 SH   SOLE   0 0 6,403
iShares Gold Trust ETF 464285105 317 24,590 SH   SOLE   0 0 24,590
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 2,238 29,104 SH   SOLE   0 0 29,104
iShares S&P Europe 350 Index ETF 464287861 2,564 58,123 SH   SOLE   0 0 58,123
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 2,469 59,585 SH   SOLE   0 0 59,585
iShares S&P Mid-Cap Value ETF ETF 464287705 3,950 36,569 SH   SOLE   0 0 36,569
iShares S&P Mid-Cap Growth ETF ETF 464287606 1,718 12,350 SH   SOLE   0 0 12,350
iShares S&P Small Cap 600 Value ETF 464287879 3,193 31,240 SH   SOLE   0 0 31,240
iShares S&P Small Cap 600 Growth ETF 464287887 3,283 30,299 SH   SOLE   0 0 30,299
iShares Tr S&P Citigroup ETF 464288125 424 4,454 SH   SOLE   0 0 4,454
iShares S&P 500 Value Index ETF 464287408 3,956 50,509 SH   SOLE   0 0 50,509
iShares S&P 500 Growth Index ETF 464287309 4,043 45,246 SH   SOLE   0 0 45,246
iShares Morningstar Large Growth Index Fund ETF 464287119 2,350 26,203 SH   SOLE   0 0 26,203
iShares Morningstar Large Value Index Fund ETF 464288109 2,466 33,601 SH   SOLE   0 0 33,601
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,844 21,382 SH   SOLE   0 0 21,382
iShares Morningstar Mid Value Index Fund ETF 464288406 2,456 23,514 SH   SOLE   0 0 23,514
iShares Morningstar Small Growth Index Fund ETF 464288604 2,300 18,656 SH   SOLE   0 0 18,656
iShares Morningstar Small Value Index Fund ETF 464288703 2,130 19,480 SH   SOLE   0 0 19,480
SPDR S&P 400 Mid Cap Growth ETF 78464A821 301 2,909 SH   SOLE   0 0 2,909
Powershares QQQ Trust ETF 73935A104 237 3,001 SH   SOLE   0 0 3,001
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 2,292 47,777 SH   SOLE   0 0 47,777
Charles Schwab US Small Cap ETF ETF 808524607 657 13,620 SH   SOLE   0 0 13,620
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,235 137,264 SH   SOLE   0 0 137,264
Schwab US Dividend Equity ETF ETF 808524797 1,300 38,641 SH   SOLE   0 0 38,641
Schwab International Equity ETF ETF 808524805 861 28,319 SH   SOLE   0 0 28,319
Schwab US REIT ETF ETF 808524847 1,796 58,129 SH   SOLE   0 0 58,129
Charles Schwab US Mid-Cap ETF ETF 808524508 793 22,900 SH   SOLE   0 0 22,900
Charles Schwab Short Term US Treasury ETF ETF 808524862 4,655 92,114 SH   SOLE   0 0 92,114
Charles Schwab US Large Cap ETF ETF 808524201 913 22,705 SH   SOLE   0 0 22,705
Schwab US Aggregate Bond Etf ETF 808524839 2,090 41,121 SH   SOLE   0 0 41,121
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 5,717 107,795 SH   SOLE   0 0 107,795
iShares Tr Lehman Tips ETF 464287176 1,581 14,043 SH   SOLE   0 0 14,043
Vanguard FTSE All World EX US Index Fund ETF 922042775 5,424 111,595 SH   SOLE   0 0 111,595
Vanguard Total Stock MKT ETF 922908769 415 4,735 SH   SOLE   0 0 4,735
Vanguard Large Cap ETF ETF 922908637 1,349 17,446 SH   SOLE   0 0 17,446