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 385 3,822 SH   SOLE   0 0 3,822
iShares Barclays Aggregate Bond Fund ETF 464287226 4,570 41,882 SH   SOLE   0 0 41,882
iShares S&P Aggressive ETF 464289859 716 15,720 SH   SOLE   0 0 15,720
Guggenheim BulletShares 2017 Corporate Bond EFT ETF 18383M548 1,702 74,760 SH   SOLE   0 0 74,760
Guggenheim BulletShares 2020 Corporate Bond EFT ETF 18383M514 1,679 79,626 SH   SOLE   0 0 79,626
SPDR Barclays Capital Short Term International Treasury Bond ETF ETF 78464A334 3,701 108,783 SH   SOLE   0 0 108,783
Wisdom Tree Emerging Currency Fund ETF 97717W133 402 20,409 SH   SOLE   0 0 20,409
iShares Barclays Intermediate Credit Bond Fund ETF 464288638 6,263 57,299 SH   SOLE   0 0 57,299
iShares 1-3 Year Credit Bond Fund ETF 464288646 8,151 77,424 SH   SOLE   0 0 77,424
Guggenheim Mulit-Asset Income Fund ETF 18383M506 2,139 87,931 SH   SOLE   0 0 87,931
SPDR MSCI ACWI es-US ETF ETF 78463X848 3,342 95,273 SH   SOLE   0 0 95,273
Diamonds Trust Series I ETF 252787106 284 1,669 SH   SOLE   0 0 1,669
Rydex CurrencyShares Euro Currency ETF 23130C108 396 3,179 SH   SOLE   0 0 3,179
CurrencyShares Swiss Franc Trust ETF 23129V109 402 3,931 SH   SOLE   0 0 3,931
CurrencyShares Japanese Yen Trust ETF 23130A102 296 3,333 SH   SOLE   0 0 3,333
ETFS Physical Precious Metals Basket ETF 26922W109 9,525 150,708 SH   SOLE   0 0 150,708
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 619 6,729 SH   SOLE   0 0 6,729
iShares Gold Trust ETF 464285105 288 24,624 SH   SOLE   0 0 24,624
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 2,241 26,528 SH   SOLE   0 0 26,528
iShares Core MSCI EAFE ETF ETF 46432F842 338 5,796 SH   SOLE   0 0 5,796
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 2,347 52,450 SH   SOLE   0 0 52,450
iShares Core S&P Mid-Cap ETF ETF 464287507 253 1,847 SH   SOLE   0 0 1,847
iShares S&P Mid-Cap Value ETF ETF 464287705 4,278 35,557 SH   SOLE   0 0 35,557
iShares S&P Mid-Cap Growth ETF ETF 464287606 1,833 12,106 SH   SOLE   0 0 12,106
iShares Core S&P Small-Cap ETF ETF 464287804 273 2,615 SH   SOLE   0 0 2,615
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 510 5,707 SH   SOLE   0 0 5,707
iShares S&P 500 Value Index ETF 464287408 4,789 53,166 SH   SOLE   0 0 53,166
iShares Core S&P 500 ETF ETF 464287200 370 1,864 SH   SOLE   0 0 1,864
iShares S&P 500 Growth Index ETF 464287309 4,787 44,813 SH   SOLE   0 0 44,813
iShares U.S. Real Estate ETF ETF 464287739 239 3,453 SH   SOLE   0 0 3,453
iShares Morningstar Large Growth Index Fund ETF 464287119 2,423 22,270 SH   SOLE   0 0 22,270
iShares Morningstar Large Value Index Fund ETF 464288109 2,330 27,533 SH   SOLE   0 0 27,533
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,607 17,651 SH   SOLE   0 0 17,651
iShares Morningstar Mid Value Index Fund ETF 464288406 2,466 20,606 SH   SOLE   0 0 20,606
iShares Morningstar Small Growth Index Fund ETF 464288604 1,357 10,760 SH   SOLE   0 0 10,760
iShares Morningstar Small Value Index Fund ETF 464288703 1,996 16,706 SH   SOLE   0 0 16,706
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 2,272 20,143 SH   SOLE   0 0 20,143
Powershares QQQ Trust ETF 73935A104 332 3,356 SH   SOLE   0 0 3,356
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 2,202 43,067 SH   SOLE   0 0 43,067
Charles Schwab US Small Cap ETF ETF 808524607 2,389 46,473 SH   SOLE   0 0 46,473
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,199 133,988 SH   SOLE   0 0 133,988
Schwab US Dividend Equity ETF ETF 808524797 2,292 59,432 SH   SOLE   0 0 59,432
Schwab Emerging Markets Equity ETF ETF 808524706 5,179 203,912 SH   SOLE   0 0 203,912
Schwab International Equity ETF ETF 808524805 3,338 107,597 SH   SOLE   0 0 107,597
Schwab US REIT ETF ETF 808524847 2,882 84,626 SH   SOLE   0 0 84,626
Charles Schwab US Mid-Cap ETF ETF 808524508 1,487 38,425 SH   SOLE   0 0 38,425
Charles Schwab Short Term US Treasury ETF ETF 808524862 4,688 92,694 SH   SOLE   0 0 92,694
Charles Schwab US Large Cap ETF ETF 808524201 1,640 34,908 SH   SOLE   0 0 34,908
Schwab US Aggregate Bond Etf ETF 808524839 4,013 77,519 SH   SOLE   0 0 77,519
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 4,909 93,425 SH   SOLE   0 0 93,425
iShares Tr Lehman Tips ETF 464287176 1,638 14,620 SH   SOLE   0 0 14,620
Vanguard FTSE All World EX US Index Fund ETF 922042775 2,754 55,938 SH   SOLE   0 0 55,938
Vanguard Total Stock MKT ETF 922908769 479 4,735 SH   SOLE   0 0 4,735
Vanguard Large Cap ETF ETF 922908637 1,453 16,067 SH   SOLE   0 0 16,067