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 35,365 388,845 SH   SOLE   0 0 388,845
Schwab International Equity ETF ETF 808524805 19,273 535,211 SH   SOLE   0 0 535,211
iShares Core 1-5 Year Bond ETF ETF 46432F859 16,151 312,755 SH   SOLE   0 0 312,755
Charles Schwab Short Term US Treasury ETF ETF 808524862 13,084 254,611 SH   SOLE   0 0 254,611
Schwab US Dividend Equity ETF ETF 808524797 8,781 136,911 SH   SOLE   0 0 136,911
Charles Schwab US Mid-Cap ETF ETF 808524508 6,929 101,628 SH   SOLE   0 0 101,628
Schwab US REIT ETF ETF 808524847 6,576 173,178 SH   SOLE   0 0 173,178
Powershares BulletShares 2021 Corporate Bond EFT ETF 73939W706 6,320 297,954 SH   SOLE   0 0 297,954
Powershares BulletShares 2022 Corporate Bond EFT ETF 18383M258 6,278 288,633 SH   SOLE   0 0 288,633
Charles Schwab US Small Cap ETF ETF 808524607 5,796 65,122 SH   SOLE   0 0 65,122
ETFS Physical Precious Metals Basket ETF 26922W109 5,730 57,903 SH   SOLE   0 0 57,903
Charles Schwab International Small Cap Equity ETF ETF 808524888 5,682 150,918 SH   SOLE   0 0 150,918
Vanguard MSCI Emerging Markets ETF ETF 922042858 5,655 112,853 SH   SOLE   0 0 112,853
Schwab Emerging Markets Equity ETF ETF 808524706 5,303 173,005 SH   SOLE   0 0 173,005
SPDR MSCI ACWI es-US ETF ETF 78463X848 5,126 185,379 SH   SOLE   0 0 185,379
Schwab U.S. Large-Cap Growth ETF ETF 808524300 3,828 29,813 SH   SOLE   0 0 29,813
Schwab US Aggregate Bond Etf ETF 808524839 3,712 66,253 SH   SOLE   0 0 66,253
Schwab U.S. Large-Cap Value ETF ETF 808524409 3,620 60,807 SH   SOLE   0 0 60,807
iShares Short-Term Corporate Bond ETF ETF 464288646 3,419 61,965 SH   SOLE   0 0 61,965
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 3,131 50,672 SH   SOLE   0 0 50,672
iShares Morningstar Mid Growth Index Fund ETF 464288307 2,790 7,294 SH   SOLE   0 0 7,294
iShares Core S&P 500 ETF ETF 464287200 2,637 7,025 SH   SOLE   0 0 7,025
iShares Tr Lehman Tips ETF 464287176 2,303 18,044 SH   SOLE   0 0 18,044
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 1,897 13,609 SH   SOLE   0 0 13,609
iShares Morningstar Mid Value Index Fund ETF 464288406 1,827 11,682 SH   SOLE   0 0 11,682
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,548 22,331 SH   SOLE   0 0 22,331
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 1,530 49,212 SH   SOLE   0 0 49,212
Amazon.com Inc STOCK 023135106 1,355 416 SH   SOLE   0 0 416
iShares Core MSCI EAFE ETF ETF 46432F842 1,317 19,066 SH   SOLE   0 0 19,066
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 1,266 22,819 SH   SOLE   0 0 22,819
iShares Morningstar Small Growth Index Fund ETF 464288604 1,208 3,979 SH   SOLE   0 0 3,979
Vanguard Total Stock MKT ETF 922908769 1,206 6,196 SH   SOLE   0 0 6,196
Invesco S&P 500 Equal Weight ETF ETF 46137V357 1,139 8,930 SH   SOLE   0 0 8,930
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,127 16,615 SH   SOLE   0 0 16,615
Vanguard Large Cap ETF ETF 922908637 1,003 5,710 SH   SOLE   0 0 5,710
Apple Inc STOCK 037833100 998 7,520 SH   SOLE   0 0 7,520
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 958 12,546 SH   SOLE   0 0 12,546
iShares Morningstar Small Value Index Fund ETF 464288703 931 6,606 SH   SOLE   0 0 6,606
iShares S&P Aggressive ETF 464289859 874 13,612 SH   SOLE   0 0 13,612
iShares Morningstar Large Growth Index Fund ETF 464287119 860 2,966 SH   SOLE   0 0 2,966
Vanguard FTSE All World EX US Index Fund ETF 922042775 845 14,474 SH   SOLE   0 0 14,474
SPDR S&P 500 ETF ETF 78462F103 798 2,134 SH   SOLE   0 0 2,134
iShares Short Treasury Bond ETF ETF 464288679 798 7,216 SH   SOLE   0 0 7,216
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 772 11,663 SH   SOLE   0 0 11,663
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 734 13,545 SH   SOLE   0 0 13,545
iShares Core S&P Mid-Cap ETF ETF 464287507 715 3,112 SH   SOLE   0 0 3,112
Vanguard High Dividend Yield ETF ETF 921946406 704 7,698 SH   SOLE   0 0 7,698
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 691 12,826 SH   SOLE   0 0 12,826
Berkshire Hathaway Class B STOCK 084670702 657 2,835 SH   SOLE   0 0 2,835
iShares MSCI ACWI ETF ETF 464288257 644 7,100 SH   SOLE   0 0 7,100
iShares Morningstar Large Value Index Fund ETF 464288109 638 5,684 SH   SOLE   0 0 5,684
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 572 24,568 SH   SOLE   0 0 24,568
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 568 6,501 SH   SOLE   0 0 6,501
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 561 9,637 SH   SOLE   0 0 9,637
iShares MSCI Emerging Markets ETF ETF 464287234 559 10,821 SH   SOLE   0 0 10,821
iShares Core S&P Small-Cap ETF ETF 464287804 554 6,026 SH   SOLE   0 0 6,026
iShares U.S. Real Estate ETF ETF 464287739 553 6,452 SH   SOLE   0 0 6,452
iShares S&P 500 Growth Index ETF 464287309 538 8,429 SH   SOLE   0 0 8,429
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 495 5,808 SH   SOLE   0 0 5,808
BlackRock Ultra Short-Term Bond ETF ETF 46434V878 450 8,900 SH   SOLE   0 0 8,900
iShares MSCI EAFE Small-Cap ETF 464288273 409 5,983 SH   SOLE   0 0 5,983
Invesco S&P MidCap 400 Equal Weight ETF ETF 46137V225 403 5,254 SH   SOLE   0 0 5,254
iShares Select Dividend ETF 464287168 401 4,173 SH   SOLE   0 0 4,173
iShares iBonds Dec 2021 Term Corporate ETF ETF 46343VBK5 399 16,012 SH   SOLE   0 0 16,012
iShares iBonds Dec 2022 Term Corporate ETF ETF 46434VBA7 399 15,590 SH   SOLE   0 0 15,590
Powershares BulletShares 2023 Corporate Bond EFT ETF 73939W862 380 17,364 SH   SOLE   0 0 17,364
Market Vectors Gold Miners ETF 57060U100 376 10,450 SH   SOLE   0 0 10,450
iShares Core MSCI Total International Stock ETF 46432F834 347 5,165 SH   SOLE   0 0 5,165
iShares Core MSCI Emerging Markets ETF ETF 46434G103 332 5,346 SH   SOLE   0 0 5,346
SPDR Gold Trust ETF 78463V107 305 1,712 SH   SOLE   0 0 1,712
iShares Core MSCI Total International Stock ETF ETF 46432F834 289 4,802 SH   SOLE   0 0 4,802
Visa Inc STOCK 92826C839 280 1,280 SH   SOLE   0 0 1,280
Walt Disney Co. STOCK 254687106 249 1,376 SH   SOLE   0 0 1,376
iShares Global Healthcare ETF ETF 464287325 222 2,910 SH   SOLE   0 0 2,910
Powershares QQQ Trust ETF 73935A104 214 682 SH   SOLE   0 0 682
iShares Russell Mid-Cap ETF ETF 464287499 211 3,071 SH   SOLE   0 0 3,071
Vanguard Small-Cap ETF ETF 922908751 200 1,029 SH   SOLE   0 0 1,029