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
iShares Russell Mid-Cap ETF ETF 464287499 252 3,174 SH   SOLE   0 0 3,174
Alphabet Inc Stock 02079K305 230 94 SH   SOLE   0 0 94
Alphabet Inc Class C STOCK 02079K107 246 98 SH   SOLE   0 0 98
Amazon.com Inc STOCK 023135106 1,431 416 SH   SOLE   0 0 416
Apple Inc STOCK 037833100 1,030 7,520 SH   SOLE   0 0 7,520
Berkshire Hathaway Class B STOCK 084670702 798 2,871 SH   SOLE   0 0 2,871
BlackRock Ultra Short-Term Bond ETF ETF 46434V878 450 8,900 SH   SOLE   0 0 8,900
Charles Schwab International Small Cap Equity ETF ETF 808524888 6,219 149,492 SH   SOLE   0 0 149,492
Charles Schwab Short Term US Treasury ETF ETF 808524862 14,201 277,262 SH   SOLE   0 0 277,262
Charles Schwab US Large Cap ETF ETF 808524201 39,550 380,396 SH   SOLE   0 0 380,396
Charles Schwab US Mid-Cap ETF ETF 808524508 7,844 100,215 SH   SOLE   0 0 100,215
Charles Schwab US Small Cap ETF ETF 808524607 6,851 65,766 SH   SOLE   0 0 65,766
ETFS Physical Precious Metals Basket ETF 26922W109 5,679 58,878 SH   SOLE   0 0 58,878
Guggenheim S&P 500 Equal Weight Energy ETF ETF 78355W866 2,256 49,806 SH   SOLE   0 0 49,806
Guggenheim S&P 500 Equal Weight Materials ETF ETF 78355W825 2,249 13,672 SH   SOLE   0 0 13,672
Invesco FTSE RAFI US 1000 ETF 46137V613 220 1,370 SH   SOLE   0 0 1,370
Invesco S&P 500 Equal Weight ETF ETF 46137V357 2,229 14,785 SH   SOLE   0 0 14,785
Invesco S&P MidCap 400 Equal Weight ETF ETF 46137V225 757 8,243 SH   SOLE   0 0 8,243
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 477 5,808 SH   SOLE   0 0 5,808
iShares Barclays Aggregate Bond Fund ETF 464287226 664 5,754 SH   SOLE   0 0 5,754
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 805 12,315 SH   SOLE   0 0 12,315
iShares Core 1-5 Year Bond ETF ETF 46432F859 18,324 357,262 SH   SOLE   0 0 357,262
iShares Core MSCI EAFE ETF ETF 46432F842 1,499 20,022 SH   SOLE   0 0 20,022
iShares Core MSCI Emerging Markets ETF ETF 46434G103 370 5,526 SH   SOLE   0 0 5,526
iShares Core MSCI Total International Stock ETF 46432F834 389 5,309 SH   SOLE   0 0 5,309
iShares Core MSCI Total International Stock ETF ETF 46432F834 336 5,119 SH   SOLE   0 0 5,119
iShares Core S&P 500 ETF ETF 464287200 3,073 7,147 SH   SOLE   0 0 7,147
iShares Core S&P Mid-Cap ETF ETF 464287507 837 3,113 SH   SOLE   0 0 3,113
iShares Core S&P Small-Cap ETF ETF 464287804 676 5,985 SH   SOLE   0 0 5,985
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 1,319 15,828 SH   SOLE   0 0 15,828
iShares Global Healthcare ETF ETF 464287325 209 2,510 SH   SOLE   0 0 2,510
iShares iBonds Dec 2021 Term Corporate ETF ETF 46343VBK5 417 16,848 SH   SOLE   0 0 16,848
iShares iBonds Dec 2022 Term Corporate ETF ETF 46434VBA7 483 19,011 SH   SOLE   0 0 19,011
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 572 6,501 SH   SOLE   0 0 6,501
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 3,019 49,881 SH   SOLE   0 0 49,881
iShares Morningstar Growth ETF ETF 464287119 923 14,245 SH   SOLE   0 0 14,245
iShares Morningstar Mid-Cap Growth ETF ETF 464288307 2,924 42,443 SH   SOLE   0 0 42,443
iShares Morningstar Mid-Cap Value ETF ETF 464288406 2,180 33,950 SH   SOLE   0 0 33,950
iShares Morningstar Small-Cap Growth ETF ETF 464288604 1,187 22,907 SH   SOLE   0 0 22,907
iShares Morningstar Small-Cap Value ETF ETF 464288703 1,109 18,863 SH   SOLE   0 0 18,863
iShares Morningstar Value ETF ETF 464288109 700 10,842 SH   SOLE   0 0 10,842
iShares MSCI ACWI ETF ETF 464288257 718 7,100 SH   SOLE   0 0 7,100
iShares MSCI EAFE Small-Cap ETF 464288273 457 6,164 SH   SOLE   0 0 6,164
iShares MSCI Emerging Markets ETF ETF 464287234 611 11,077 SH   SOLE   0 0 11,077
iShares S&P 500 Growth Index ETF 464287309 626 8,610 SH   SOLE   0 0 8,610
iShares S&P 500 Value Index ETF 464287408 231 1,567 SH   SOLE   0 0 1,567
iShares S&P Aggressive ETF 464289859 960 13,591 SH   SOLE   0 0 13,591
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 715 23,507 SH   SOLE   0 0 23,507
iShares Select Dividend ETF 464287168 500 4,284 SH   SOLE   0 0 4,284
iShares Short Treasury Bond ETF ETF 464288679 1,042 9,433 SH   SOLE   0 0 9,433
iShares Short-Term Corporate Bond ETF ETF 464288646 4,418 80,614 SH   SOLE   0 0 80,614
iShares Tr Lehman Tips ETF 464287176 2,165 16,915 SH   SOLE   0 0 16,915
iShares U.S. Real Estate ETF ETF 464287739 686 6,725 SH   SOLE   0 0 6,725
Market Vectors Gold Miners ETF 57060U100 355 10,450 SH   SOLE   0 0 10,450
McDonald's Corp Stock 580135101 212 918 SH   SOLE   0 0 918
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 745 13,535 SH   SOLE   0 0 13,535
Powershares BulletShares 2021 Corporate Bond EFT ETF 73939W706 6,027 285,636 SH   SOLE   0 0 285,636
Powershares BulletShares 2022 Corporate Bond EFT ETF 18383M258 6,687 309,710 SH   SOLE   0 0 309,710
Powershares BulletShares 2023 Corporate Bond EFT ETF 73939W862 267 12,302 SH   SOLE   0 0 12,302
Powershares QQQ Trust ETF 73935A104 242 682 SH   SOLE   0 0 682
S&P Globasl Inc Stock 78409V104 244 595 SH   SOLE   0 0 595
Schwab Emerging Markets Equity ETF ETF 808524706 5,703 173,464 SH   SOLE   0 0 173,464
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 483 8,491 SH   SOLE   0 0 8,491
Schwab International Equity ETF ETF 808524805 21,276 539,307 SH   SOLE   0 0 539,307
Schwab U.S. Large-Cap Growth ETF ETF 808524300 4,370 29,937 SH   SOLE   0 0 29,937
Schwab U.S. Large-Cap Value ETF ETF 808524409 4,200 61,430 SH   SOLE   0 0 61,430
Schwab US Aggregate Bond Etf ETF 808524839 3,360 61,540 SH   SOLE   0 0 61,540
Schwab US Dividend Equity ETF ETF 808524797 10,455 138,262 SH   SOLE   0 0 138,262
Schwab US REIT ETF ETF 808524847 8,506 185,762 SH   SOLE   0 0 185,762
SPDR Gold Trust ETF 78463V107 284 1,712 SH   SOLE   0 0 1,712
SPDR MSCI ACWI es-US ETF ETF 78463X848 5,627 186,308 SH   SOLE   0 0 186,308
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,725 22,255 SH   SOLE   0 0 22,255
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 1,540 22,802 SH   SOLE   0 0 22,802
SPDR S&P 500 ETF ETF 78462F103 913 2,134 SH   SOLE   0 0 2,134
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 1,096 12,350 SH   SOLE   0 0 12,350
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 986 11,499 SH   SOLE   0 0 11,499
Vanguard FTSE All World EX US Index Fund ETF 922042775 868 13,698 SH   SOLE   0 0 13,698
Vanguard High Dividend Yield ETF ETF 921946406 793 7,573 SH   SOLE   0 0 7,573
Vanguard Large Cap ETF ETF 922908637 1,105 5,506 SH   SOLE   0 0 5,506
Vanguard MSCI Emerging Markets ETF ETF 922042858 6,216 114,461 SH   SOLE   0 0 114,461
Vanguard Small-Cap ETF ETF 922908751 244 1,085 SH   SOLE   0 0 1,085
Vanguard Total Stock MKT ETF 922908769 1,381 6,197 SH   SOLE   0 0 6,197
Visa Inc STOCK 92826C839 299 1,280 SH   SOLE   0 0 1,280
Vista Gold STOCK 927926303 105 85,000 SH   SOLE   0 0 85,000
Walt Disney Co. STOCK 254687106 242 1,376 SH   SOLE   0 0 1,376