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 23,113 384,956 SH   SOLE   0 0 384,956
Schwab International Equity ETF ETF 808524805 14,599 436,182 SH   SOLE   0 0 436,182
Schwab US Aggregate Bond Etf ETF 808524839 6,654 127,073 SH   SOLE   0 0 127,073
iShares 1-3 Year Credit Bond Fund ETF 464288646 6,273 59,545 SH   SOLE   0 0 59,545
Schwab US Dividend Equity ETF ETF 808524797 6,129 130,952 SH   SOLE   0 0 130,952
iShares Barclays Intermediate Credit Bond Fund ETF 464288638 4,857 44,088 SH   SOLE   0 0 44,088
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,691 130,959 SH   SOLE   0 0 130,959
ETFS Physical Precious Metals Basket ETF 26922W109 4,507 71,190 SH   SOLE   0 0 71,190
Schwab US REIT ETF ETF 808524847 4,311 104,802 SH   SOLE   0 0 104,802
Charles Schwab Short Term US Treasury ETF ETF 808524862 4,307 85,453 SH   SOLE   0 0 85,453
Vanguard MSCI Emerging Markets ETF ETF 922042858 4,230 97,083 SH   SOLE   0 0 97,083
Charles Schwab US Mid-Cap ETF ETF 808524508 3,913 78,079 SH   SOLE   0 0 78,079
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 3,700 70,876 SH   SOLE   0 0 70,876
Charles Schwab US Small Cap ETF ETF 808524607 3,318 49,253 SH   SOLE   0 0 49,253
Schwab Emerging Markets Equity ETF ETF 808524706 2,893 107,511 SH   SOLE   0 0 107,511
SPDR MSCI ACWI es-US ETF ETF 78463X848 2,849 75,303 SH   SOLE   0 0 75,303
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 2,802 51,965 SH   SOLE   0 0 51,965
Schwab U.S. Large-Cap Value ETF ETF 808524409 2,780 53,645 SH   SOLE   0 0 53,645
iShares Barclays Aggregate Bond Fund ETF 464287226 2,741 25,009 SH   SOLE   0 0 25,009
SPDR Barclays Capital Short Term International Treasury Bond ETF ETF 78464A334 2,612 81,683 SH   SOLE   0 0 81,683
Schwab U.S. Large-Cap Growth ETF ETF 808524300 2,494 37,750 SH   SOLE   0 0 37,750
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,455 12,942 SH   SOLE   0 0 12,942
iShares Morningstar Mid Value Index Fund ETF 464288406 2,321 15,363 SH   SOLE   0 0 15,363
Vanguard FTSE All World EX US Index Fund ETF 922042775 2,244 42,563 SH   SOLE   0 0 42,563
iShares Morningstar Large Growth Index Fund ETF 464287119 2,176 14,864 SH   SOLE   0 0 14,864
Guggenheim BulletShares 2020 Corporate Bond EFT ETF 18383M514 2,119 98,524 SH   SOLE   0 0 98,524
iShares Morningstar Large Value Index Fund ETF 464288109 1,896 19,035 SH   SOLE   0 0 19,035
iShares Core S&P 500 ETF ETF 464287200 1,879 7,429 SH   SOLE   0 0 7,429
iShares Tr Lehman Tips ETF 464287176 1,706 15,020 SH   SOLE   0 0 15,020
Guggenheim BulletShares 2022 Corporate Bond EFT ETF 18383M258 1,511 70,592 SH   SOLE   0 0 70,592
Guggenheim BulletShares 2017 Corporate Bond EFT ETF 18383M548 1,458 64,449 SH   SOLE   0 0 64,449
Vanguard Large Cap ETF ETF 922908637 1,455 12,605 SH   SOLE   0 0 12,605
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 1,453 14,433 SH   SOLE   0 0 14,433
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,428 22,454 SH   SOLE   0 0 22,454
iShares Morningstar Small Value Index Fund ETF 464288703 1,281 8,737 SH   SOLE   0 0 8,737
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,247 12,000 SH   SOLE   0 0 12,000
iShares Morningstar Small Growth Index Fund ETF 464288604 1,217 7,172 SH   SOLE   0 0 7,172
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 1,182 35,117 SH   SOLE   0 0 35,117
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,139 20,682 SH   SOLE   0 0 20,682
Guggenheim BulletShares 2023 Corporate Bond EFT ETF 18383M241 1,128 53,449 SH   SOLE   0 0 53,449
Guggenheim BulletShares 2021 Corporate Bond EFT ETF 18383M266 1,125 52,659 SH   SOLE   0 0 52,659
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,120 7,596 SH   SOLE   0 0 7,596
iShares Core MSCI EAFE ETF ETF 46432F842 1,000 15,581 SH   SOLE   0 0 15,581
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 971 9,808 SH   SOLE   0 0 9,808
iShares S&P Aggressive ETF 464289859 844 15,757 SH   SOLE   0 0 15,757
Vanguard Total Stock MKT ETF 922908769 821 6,338 SH   SOLE   0 0 6,338
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 706 3,100 SH   SOLE   0 0 3,100
iShares S&P 500 Growth Index ETF 464287309 649 4,524 SH   SOLE   0 0 4,524
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 614 4,857 SH   SOLE   0 0 4,857
Vanguard High Dividend Yield ETF ETF 921946406 602 7,420 SH   SOLE   0 0 7,420
SPDR S&P 500 ETF ETF 78462F103 544 2,165 SH   SOLE   0 0 2,165
iShares Core S&P Mid-Cap ETF ETF 464287507 516 2,884 SH   SOLE   0 0 2,884
Berkshire Hathaway Class B STOCK 084670702 513 2,800 SH   SOLE   0 0 2,800
iShares MSCI ACWI ETF ETF 464288257 500 7,260 SH   SOLE   0 0 7,260
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 484 5,769 SH   SOLE   0 0 5,769
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 482 5,426 SH   SOLE   0 0 5,426
iShares U.S. Real Estate ETF ETF 464287739 388 4,861 SH   SOLE   0 0 4,861
iShares Core S&P Small-Cap ETF ETF 464287804 361 4,857 SH   SOLE   0 0 4,857
Amazon.com Inc STOCK 023135106 359 373 SH   SOLE   0 0 373
iShares MSCI Emerging Markets ETF ETF 464287234 341 7,599 SH   SOLE   0 0 7,599
iShares MSCI EAFE Small-Cap ETF 464288273 325 5,247 SH   SOLE   0 0 5,247
iShares Select Dividend ETF 464287168 265 2,835 SH   SOLE   0 0 2,835
iShares U.S. Treasury Bond ETF ETF 46429B267 245 9,707 SH   SOLE   0 0 9,707
Vanguard Total International Stock ETF ETF 921909768 244 4,451 SH   SOLE   0 0 4,451
Market Vectors Gold Miners ETF 57060U100 240 10,450 SH   SOLE   0 0 10,450
SPDR Gold Trust ETF 78463V107 208 1,712 SH   SOLE   0 0 1,712
Boeing Co STOCK 097023105 207 814 SH   SOLE   0 0 814
iShares Gold Trust ETF 464285105 127 10,307 SH   SOLE   0 0 10,307