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 30,393 410,165 SH   SOLE   0 0 410,165
Schwab International Equity ETF ETF 808524805 15,825 531,934 SH   SOLE   0 0 531,934
iShares Core 1-5 Year Bond ETF ETF 46432F859 14,749 286,562 SH   SOLE   0 0 286,562
Charles Schwab Short Term US Treasury ETF ETF 808524862 12,478 241,687 SH   SOLE   0 0 241,687
Schwab US Dividend Equity ETF ETF 808524797 6,902 133,369 SH   SOLE   0 0 133,369
Powershares BulletShares 2022 Corporate Bond EFT ETF 18383M258 6,042 276,918 SH   SOLE   0 0 276,918
Powershares BulletShares 2021 Corporate Bond EFT ETF 73939W706 6,016 281,531 SH   SOLE   0 0 281,531
Charles Schwab US Mid-Cap ETF ETF 808524508 5,496 104,450 SH   SOLE   0 0 104,450
ETFS Physical Precious Metals Basket ETF 26922W109 5,322 63,716 SH   SOLE   0 0 63,716
Schwab US REIT ETF ETF 808524847 5,080 144,223 SH   SOLE   0 0 144,223
Vanguard MSCI Emerging Markets ETF ETF 922042858 4,584 115,725 SH   SOLE   0 0 115,725
Charles Schwab International Small Cap Equity ETF ETF 808524888 4,479 151,469 SH   SOLE   0 0 151,469
Schwab Emerging Markets Equity ETF ETF 808524706 4,366 179,303 SH   SOLE   0 0 179,303
Charles Schwab US Small Cap ETF ETF 808524607 4,345 66,499 SH   SOLE   0 0 66,499
SPDR MSCI ACWI es-US ETF ETF 78463X848 4,195 185,132 SH   SOLE   0 0 185,132
Schwab U.S. Large-Cap Growth ETF ETF 808524300 3,645 35,902 SH   SOLE   0 0 35,902
iShares Short-Term Corporate Bond ETF ETF 464288646 3,409 62,307 SH   SOLE   0 0 62,307
Schwab U.S. Large-Cap Value ETF ETF 808524409 3,115 62,169 SH   SOLE   0 0 62,169
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 3,074 50,918 SH   SOLE   0 0 50,918
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,529 8,627 SH   SOLE   0 0 8,627
Schwab US Aggregate Bond Etf ETF 808524839 2,487 44,219 SH   SOLE   0 0 44,219
iShares Core S&P 500 ETF ETF 464287200 2,257 7,286 SH   SOLE   0 0 7,286
iShares Tr Lehman Tips ETF 464287176 2,219 18,044 SH   SOLE   0 0 18,044
iShares Morningstar Mid Value Index Fund ETF 464288406 1,548 12,259 SH   SOLE   0 0 12,259
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,424 13,954 SH   SOLE   0 0 13,954
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,288 23,954 SH   SOLE   0 0 23,954
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,234 43,995 SH   SOLE   0 0 43,995
iShares Morningstar Small Growth Index Fund ETF 464288604 1,156 5,231 SH   SOLE   0 0 5,231
Amazon.com Inc STOCK 023135106 1,148 416 SH   SOLE   0 0 416
iShares Morningstar Large Growth Index Fund ETF 464287119 1,122 4,786 SH   SOLE   0 0 4,786
iShares Core MSCI EAFE ETF ETF 46432F842 1,061 18,553 SH   SOLE   0 0 18,553
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 1,021 23,959 SH   SOLE   0 0 23,959
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,018 16,937 SH   SOLE   0 0 16,937
Vanguard Total Stock MKT ETF 922908769 985 6,290 SH   SOLE   0 0 6,290
Vanguard Large Cap ETF ETF 922908637 939 6,568 SH   SOLE   0 0 6,568
Vanguard FTSE All World EX US Index Fund ETF 922042775 800 16,812 SH   SOLE   0 0 16,812
iShares Morningstar Large Value Index Fund ETF 464288109 780 8,066 SH   SOLE   0 0 8,066
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 778 13,709 SH   SOLE   0 0 13,709
iShares S&P Aggressive ETF 464289859 759 13,830 SH   SOLE   0 0 13,830
iShares Barclays Aggregate Bond Fund ETF 464287226 737 6,237 SH   SOLE   0 0 6,237
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 736 13,836 SH   SOLE   0 0 13,836
iShares Morningstar Small Value Index Fund ETF 464288703 728 7,012 SH   SOLE   0 0 7,012
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 689 31,781 SH   SOLE   0 0 31,781
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 668 6,618 SH   SOLE   0 0 6,618
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 666 13,557 SH   SOLE   0 0 13,557
SPDR S&P 500 ETF ETF 78462F103 658 2,134 SH   SOLE   0 0 2,134
Apple Inc STOCK 037833100 653 1,790 SH   SOLE   0 0 1,790
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 643 10,940 SH   SOLE   0 0 10,940
iShares Core S&P Mid-Cap ETF ETF 464287507 598 3,365 SH   SOLE   0 0 3,365
Vanguard High Dividend Yield ETF ETF 921946406 583 7,398 SH   SOLE   0 0 7,398
iShares Short Treasury Bond ETF ETF 464288679 581 5,248 SH   SOLE   0 0 5,248
iShares S&P 500 Growth Index ETF 464287309 553 2,664 SH   SOLE   0 0 2,664
Invesco S&P 500 Equal Weight ETF ETF 46137V357 532 5,230 SH   SOLE   0 0 5,230
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 531 6,501 SH   SOLE   0 0 6,501
iShares MSCI ACWI ETF ETF 464288257 523 7,100 SH   SOLE   0 0 7,100
Berkshire Hathaway Class B STOCK 084670702 506 2,835 SH   SOLE   0 0 2,835
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 459 5,808 SH   SOLE   0 0 5,808
iShares Core S&P Small-Cap ETF ETF 464287804 447 6,548 SH   SOLE   0 0 6,548
iShares U.S. Real Estate ETF ETF 464287739 441 5,600 SH   SOLE   0 0 5,600
iShares MSCI Emerging Markets ETF ETF 464287234 399 9,983 SH   SOLE   0 0 9,983
Powershares BulletShares 2023 Corporate Bond EFT ETF 73939W862 386 17,745 SH   SOLE   0 0 17,745
Market Vectors Gold Miners ETF 57060U100 383 10,450 SH   SOLE   0 0 10,450
Powershares BulletShares 2020 Corporate Bond EFT ETF 18383M514 342 16,057 SH   SOLE   0 0 16,057
iShares MSCI EAFE Small-Cap ETF 464288273 322 6,007 SH   SOLE   0 0 6,007
iShares Select Dividend ETF 464287168 305 3,776 SH   SOLE   0 0 3,776
iShares iBonds Dec 2022 Term Corporate ETF ETF 46434VBA7 294 11,447 SH   SOLE   0 0 11,447
iShares iBonds Dec 2021 Term Corporate ETF ETF 46343VBK5 292 11,608 SH   SOLE   0 0 11,608
SPDR Gold Trust ETF 78463V107 287 1,712 SH   SOLE   0 0 1,712
iShares Core MSCI Total International Stock ETF 46432F834 282 5,164 SH   SOLE   0 0 5,164
iShares Core MSCI Emerging Markets ETF ETF 46434G103 267 5,613 SH   SOLE   0 0 5,613
Visa Inc STOCK 92826C839 247 1,280 SH   SOLE   0 0 1,280
iShares Core MSCI Total International Stock ETF ETF 46432F834 236 4,802 SH   SOLE   0 0 4,802