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
Charles Schwab US Large Cap ETF ETF 808524201 21,791 377,199 SH   SOLE   0 0 377,199
Schwab International Equity ETF ETF 808524805 13,840 435,507 SH   SOLE   0 0 435,507
Schwab US Aggregate Bond Etf ETF 808524839 6,516 124,711 SH   SOLE   0 0 124,711
iShares 1-3 Year Credit Bond Fund ETF 464288646 6,164 58,534 SH   SOLE   0 0 58,534
Schwab US Dividend Equity ETF ETF 808524797 5,791 128,411 SH   SOLE   0 0 128,411
iShares Barclays Intermediate Credit Bond Fund ETF 464288638 4,849 44,166 SH   SOLE   0 0 44,166
ETFS Physical Precious Metals Basket ETF 26922W109 4,430 71,714 SH   SOLE   0 0 71,714
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,391 130,579 SH   SOLE   0 0 130,579
Charles Schwab Short Term US Treasury ETF ETF 808524862 4,307 85,430 SH   SOLE   0 0 85,430
Schwab US REIT ETF ETF 808524847 4,120 99,982 SH   SOLE   0 0 99,982
Vanguard MSCI Emerging Markets ETF ETF 922042858 3,990 97,711 SH   SOLE   0 0 97,711
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 3,713 71,170 SH   SOLE   0 0 71,170
Charles Schwab US Mid-Cap ETF ETF 808524508 3,598 74,719 SH   SOLE   0 0 74,719
Charles Schwab US Small Cap ETF ETF 808524607 3,037 47,517 SH   SOLE   0 0 47,517
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 2,788 51,655 SH   SOLE   0 0 51,655
SPDR MSCI ACWI es-US ETF ETF 78463X848 2,688 75,390 SH   SOLE   0 0 75,390
Schwab Emerging Markets Equity ETF ETF 808524706 2,661 107,097 SH   SOLE   0 0 107,097
Schwab U.S. Large-Cap Value ETF ETF 808524409 2,658 52,953 SH   SOLE   0 0 52,953
iShares Barclays Aggregate Bond Fund ETF 464287226 2,650 24,199 SH   SOLE   0 0 24,199
SPDR Barclays Capital Short Term International Treasury Bond ETF ETF 78464A334 2,595 82,735 SH   SOLE   0 0 82,735
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,383 13,029 SH   SOLE   0 0 13,029
Schwab U.S. Large-Cap Growth ETF ETF 808524300 2,349 37,169 SH   SOLE   0 0 37,169
iShares Morningstar Mid Value Index Fund ETF 464288406 2,289 15,459 SH   SOLE   0 0 15,459
Vanguard FTSE All World EX US Index Fund ETF 922042775 2,195 43,872 SH   SOLE   0 0 43,872
Guggenheim BulletShares 2020 Corporate Bond EFT ETF 18383M514 2,130 99,142 SH   SOLE   0 0 99,142
iShares Morningstar Large Growth Index Fund ETF 464287119 2,111 15,159 SH   SOLE   0 0 15,159
iShares Core S&P 500 ETF ETF 464287200 1,914 7,863 SH   SOLE   0 0 7,863
iShares Morningstar Large Value Index Fund ETF 464288109 1,862 19,394 SH   SOLE   0 0 19,394
iShares Tr Lehman Tips ETF 464287176 1,587 13,990 SH   SOLE   0 0 13,990
Guggenheim BulletShares 2022 Corporate Bond EFT ETF 18383M258 1,524 71,500 SH   SOLE   0 0 71,500
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 1,474 14,579 SH   SOLE   0 0 14,579
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,469 22,570 SH   SOLE   0 0 22,570
Guggenheim BulletShares 2017 Corporate Bond EFT ETF 18383M548 1,461 64,609 SH   SOLE   0 0 64,609
Vanguard Large Cap ETF ETF 922908637 1,404 12,648 SH   SOLE   0 0 12,648
iShares Morningstar Small Value Index Fund ETF 464288703 1,237 8,776 SH   SOLE   0 0 8,776
iShares Morningstar Small Growth Index Fund ETF 464288604 1,161 7,216 SH   SOLE   0 0 7,216
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,137 11,634 SH   SOLE   0 0 11,634
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 1,134 35,817 SH   SOLE   0 0 35,817
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,087 7,596 SH   SOLE   0 0 7,596
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,013 19,197 SH   SOLE   0 0 19,197
iShares Core MSCI EAFE ETF ETF 46432F842 1,012 16,625 SH   SOLE   0 0 16,625
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 937 9,730 SH   SOLE   0 0 9,730
iShares S&P Aggressive ETF 464289859 815 15,729 SH   SOLE   0 0 15,729
Vanguard Total Stock MKT ETF 922908769 777 6,246 SH   SOLE   0 0 6,246
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 670 3,100 SH   SOLE   0 0 3,100
iShares S&P 500 Growth Index ETF 464287309 662 4,834 SH   SOLE   0 0 4,834
Vanguard High Dividend Yield ETF ETF 921946406 580 7,420 SH   SOLE   0 0 7,420
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 579 4,853 SH   SOLE   0 0 4,853
SPDR S&P 500 ETF ETF 78462F103 523 2,165 SH   SOLE   0 0 2,165
iShares Core S&P Mid-Cap ETF ETF 464287507 498 2,861 SH   SOLE   0 0 2,861
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 480 5,426 SH   SOLE   0 0 5,426
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 478 5,820 SH   SOLE   0 0 5,820
iShares MSCI ACWI ETF ETF 464288257 475 7,260 SH   SOLE   0 0 7,260
Berkshire Hathaway Class B STOCK 084670702 474 2,800 SH   SOLE   0 0 2,800
iShares U.S. Real Estate ETF ETF 464287739 402 5,036 SH   SOLE   0 0 5,036
Amazon.com Inc STOCK 023135106 361 373 SH   SOLE   0 0 373
iShares Core S&P Small-Cap ETF ETF 464287804 344 4,899 SH   SOLE   0 0 4,899
iShares MSCI Emerging Markets ETF ETF 464287234 339 8,188 SH   SOLE   0 0 8,188
iShares MSCI EAFE Small-Cap ETF 464288273 334 5,779 SH   SOLE   0 0 5,779
Diamonds Trust Series I ETF 78467X109 330 1,546 SH   SOLE   0 0 1,546
iShares Select Dividend ETF 464287168 272 2,953 SH   SOLE   0 0 2,953
Vanguard Total International Stock ETF ETF 921909768 231 4,451 SH   SOLE   0 0 4,451
Market Vectors Gold Miners ETF 57060U100 231 10,450 SH   SOLE   0 0 10,450
iShares U.S. Treasury Bond ETF ETF 46429B267 203 8,033 SH   SOLE   0 0 8,033
SPDR Gold Trust ETF 78463V107 203 1,716 SH   SOLE   0 0 1,716
iShares Gold Trust ETF 464285105 123 10,307 SH   SOLE   0 0 10,307