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
Amazon.com Inc STOCK 023135106 1,147 416 SH   SOLE   0 0 416
Apple Inc STOCK 037833100 652 1,790 SH   SOLE   0 0 1,790
Berkshire Hathaway Class B STOCK 084670702 506 2,835 SH   SOLE   0 0 2,835
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,478 151,468 SH   SOLE   0 0 151,468
Charles Schwab Short Term US Treasury ETF ETF 808524862 12,478 241,686 SH   SOLE   0 0 241,686
Charles Schwab US Large Cap ETF ETF 808524201 30,393 410,164 SH   SOLE   0 0 410,164
Charles Schwab US Mid-Cap ETF ETF 808524508 5,496 104,449 SH   SOLE   0 0 104,449
Charles Schwab US Small Cap ETF ETF 808524607 4,345 66,499 SH   SOLE   0 0 66,499
ETFS Physical Precious Metals Basket ETF 26922W109 5,322 63,716 SH   SOLE   0 0 63,716
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,234 43,995 SH   SOLE   0 0 43,995
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,423 13,954 SH   SOLE   0 0 13,954
Invesco S&P 500 Equal Weight ETF ETF 46137V357 532 5,230 SH   SOLE   0 0 5,230
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 458 5,808 SH   SOLE   0 0 5,808
iShares Barclays Aggregate Bond Fund ETF 464287226 737 6,236 SH   SOLE   0 0 6,236
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 667 6,618 SH   SOLE   0 0 6,618
iShares Core 1-5 Year Bond ETF ETF 46432F859 14,749 286,561 SH   SOLE   0 0 286,561
iShares Core MSCI EAFE ETF ETF 46432F842 1,060 18,553 SH   SOLE   0 0 18,553
iShares Core MSCI Emerging Markets ETF ETF 46434G103 267 5,613 SH   SOLE   0 0 5,613
iShares Core MSCI Total International Stock ETF 46432F834 281 5,164 SH   SOLE   0 0 5,164
iShares Core MSCI Total International Stock ETF ETF 46432F834 236 4,802 SH   SOLE   0 0 4,802
iShares Core S&P 500 ETF ETF 464287200 2,256 7,286 SH   SOLE   0 0 7,286
iShares Core S&P Mid-Cap ETF ETF 464287507 598 3,364 SH   SOLE   0 0 3,364
iShares Core S&P Small-Cap ETF ETF 464287804 447 6,547 SH   SOLE   0 0 6,547
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,017 16,937 SH   SOLE   0 0 16,937
iShares iBonds Dec 2021 Term Corporate ETF ETF 46343VBK5 291 11,608 SH   SOLE   0 0 11,608
iShares iBonds Dec 2022 Term Corporate ETF ETF 46434VBA7 293 11,447 SH   SOLE   0 0 11,447
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 530 6,501 SH   SOLE   0 0 6,501
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 3,074 50,918 SH   SOLE   0 0 50,918
iShares Morningstar Large Growth Index Fund ETF 464287119 1,122 4,786 SH   SOLE   0 0 4,786
iShares Morningstar Large Value Index Fund ETF 464288109 780 8,066 SH   SOLE   0 0 8,066
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,529 8,627 SH   SOLE   0 0 8,627
iShares Morningstar Mid Value Index Fund ETF 464288406 1,548 12,259 SH   SOLE   0 0 12,259
iShares Morningstar Small Growth Index Fund ETF 464288604 1,156 5,231 SH   SOLE   0 0 5,231
iShares Morningstar Small Value Index Fund ETF 464288703 727 7,012 SH   SOLE   0 0 7,012
iShares MSCI ACWI ETF ETF 464288257 523 7,100 SH   SOLE   0 0 7,100
iShares MSCI EAFE Small-Cap ETF 464288273 322 6,007 SH   SOLE   0 0 6,007
iShares MSCI Emerging Markets ETF ETF 464287234 399 9,983 SH   SOLE   0 0 9,983
iShares S&P 500 Growth Index ETF 464287309 552 2,664 SH   SOLE   0 0 2,664
iShares S&P Aggressive ETF 464289859 758 13,830 SH   SOLE   0 0 13,830
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 689 31,781 SH   SOLE   0 0 31,781
iShares Select Dividend ETF 464287168 304 3,776 SH   SOLE   0 0 3,776
iShares Short Treasury Bond ETF ETF 464288679 581 5,248 SH   SOLE   0 0 5,248
iShares Short-Term Corporate Bond ETF ETF 464288646 3,408 62,307 SH   SOLE   0 0 62,307
iShares Tr Lehman Tips ETF 464287176 2,219 18,044 SH   SOLE   0 0 18,044
iShares U.S. Real Estate ETF ETF 464287739 441 5,599 SH   SOLE   0 0 5,599
Market Vectors Gold Miners ETF 57060U100 383 10,450 SH   SOLE   0 0 10,450
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 735 13,836 SH   SOLE   0 0 13,836
Powershares BulletShares 2020 Corporate Bond EFT ETF 18383M514 341 16,057 SH   SOLE   0 0 16,057
Powershares BulletShares 2021 Corporate Bond EFT ETF 73939W706 6,016 281,530 SH   SOLE   0 0 281,530
Powershares BulletShares 2022 Corporate Bond EFT ETF 18383M258 6,042 276,917 SH   SOLE   0 0 276,917
Powershares BulletShares 2023 Corporate Bond EFT ETF 73939W862 386 17,745 SH   SOLE   0 0 17,745
Schwab Emerging Markets Equity ETF ETF 808524706 4,366 179,302 SH   SOLE   0 0 179,302
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 643 10,940 SH   SOLE   0 0 10,940
Schwab International Equity ETF ETF 808524805 15,825 531,934 SH   SOLE   0 0 531,934
Schwab U.S. Large-Cap Growth ETF ETF 808524300 3,645 35,901 SH   SOLE   0 0 35,901
Schwab U.S. Large-Cap Value ETF ETF 808524409 3,115 62,168 SH   SOLE   0 0 62,168
Schwab US Aggregate Bond Etf ETF 808524839 2,486 44,219 SH   SOLE   0 0 44,219
Schwab US Dividend Equity ETF ETF 808524797 6,901 133,368 SH   SOLE   0 0 133,368
Schwab US REIT ETF ETF 808524847 5,079 144,222 SH   SOLE   0 0 144,222
SPDR Gold Trust ETF 78463V107 286 1,712 SH   SOLE   0 0 1,712
SPDR MSCI ACWI es-US ETF ETF 78463X848 4,195 185,131 SH   SOLE   0 0 185,131
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,288 23,954 SH   SOLE   0 0 23,954
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 1,021 23,958 SH   SOLE   0 0 23,958
SPDR S&P 500 ETF ETF 78462F103 658 2,134 SH   SOLE   0 0 2,134
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 778 13,709 SH   SOLE   0 0 13,709
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 665 13,556 SH   SOLE   0 0 13,556
Vanguard FTSE All World EX US Index Fund ETF 922042775 800 16,812 SH   SOLE   0 0 16,812
Vanguard High Dividend Yield ETF ETF 921946406 582 7,398 SH   SOLE   0 0 7,398
Vanguard Large Cap ETF ETF 922908637 939 6,568 SH   SOLE   0 0 6,568
Vanguard MSCI Emerging Markets ETF ETF 922042858 4,583 115,724 SH   SOLE   0 0 115,724
Vanguard Total Stock MKT ETF 922908769 984 6,289 SH   SOLE   0 0 6,289
Visa Inc STOCK 92826C839 247 1,280 SH   SOLE   0 0 1,280