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 762 391 SH   SOLE   0 0 391
Apple Inc STOCK 037833100 376 1,480 SH   SOLE   0 0 1,480
Berkshire Hathaway Class B STOCK 084670207 518 2,835 SH   SOLE   0 0 2,835
Charles Schwab International Small Cap Equity ETF ETF 808524888 3,723 152,599 SH   SOLE   0 0 152,599
Charles Schwab Short Term US Treasury ETF ETF 808524862 12,693 245,385 SH   SOLE   0 0 245,385
Charles Schwab US Large Cap ETF ETF 808524201 25,541 417,006 SH   SOLE   0 0 417,006
Charles Schwab US Mid-Cap ETF ETF 808524508 4,494 106,613 SH   SOLE   0 0 106,613
Charles Schwab US Small Cap ETF ETF 808524607 3,401 66,022 SH   SOLE   0 0 66,022
ETFS Physical Precious Metals Basket ETF 26922W109 4,841 64,464 SH   SOLE   0 0 64,464
Guggenheim S&P 500 Equal Weight Energy ETF ETF 46137V365 890 44,484 SH   SOLE   0 0 44,484
Guggenheim S&P 500 Equal Weight Materials ETF ETF 46137V316 1,159 14,120 SH   SOLE   0 0 14,120
iShares 1-3 Year International Treasury Bond ETF ETF 464288125 433 5,617 SH   SOLE   0 0 5,617
iShares Barclays Aggregate Bond Fund ETF 464287226 719 6,237 SH   SOLE   0 0 6,237
iShares Cohen and Steers Realty Majors Index Fund ETF 464287564 622 6,794 SH   SOLE   0 0 6,794
iShares Core 1-5 Year Bond ETF ETF 46432F859 14,662 290,348 SH   SOLE   0 0 290,348
iShares Core MSCI EAFE ETF ETF 46432F842 923 18,519 SH   SOLE   0 0 18,519
iShares Core S&P 500 ETF ETF 464287200 1,885 7,295 SH   SOLE   0 0 7,295
iShares Core S&P Mid-Cap ETF ETF 464287507 484 3,369 SH   SOLE   0 0 3,369
iShares Core S&P Small-Cap ETF ETF 464287804 362 6,456 SH   SOLE   0 0 6,456
iShares FTSE NAREIT Residential Plus Capped Index Fund ETF 464288562 948 17,190 SH   SOLE   0 0 17,190
iShares iBonds Dec 2021 Term Corporate ETF ETF 46434VBK5 287 11,675 SH   SOLE   0 0 11,675
iShares iBonds Dec 2022 Term Corporate ETF ETF 46434VBA7 285 11,513 SH   SOLE   0 0 11,513
iShares iBoxx High Yield Corporate Bond ETF ETF 464288513 485 6,300 SH   SOLE   0 0 6,300
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 2,781 50,647 SH   SOLE   0 0 50,647
iShares Morningstar Large Growth Index Fund ETF 464287119 913 4,918 SH   SOLE   0 0 4,918
iShares Morningstar Large Value Index Fund ETF 464288109 716 8,275 SH   SOLE   0 0 8,275
iShares Morningstar Mid Growth Index Fund ETF 464288307 1,922 8,813 SH   SOLE   0 0 8,813
iShares Morningstar Mid Value Index Fund ETF 464288406 1,337 12,513 SH   SOLE   0 0 12,513
iShares Morningstar Small Growth Index Fund ETF 464288604 891 5,361 SH   SOLE   0 0 5,361
iShares Morningstar Small Value Index Fund ETF 464288703 609 7,140 SH   SOLE   0 0 7,140
iShares MSCI ACWI ETF ETF 464288257 444 7,100 SH   SOLE   0 0 7,100
iShares MSCI EAFE Small-Cap ETF 464288273 268 5,999 SH   SOLE   0 0 5,999
iShares MSCI Emerging Markets ETF ETF 464287234 340 9,973 SH   SOLE   0 0 9,973
iShares S&P 500 Growth Index ETF 464287309 435 2,635 SH   SOLE   0 0 2,635
iShares S&P Aggressive ETF 464289859 655 13,808 SH   SOLE   0 0 13,808
iShares S&P North American Natural Resources Sector Index Fund ETF 464287374 534 32,128 SH   SOLE   0 0 32,128
iShares Short Treasury Bond ETF ETF 464288679 585 5,278 SH   SOLE   0 0 5,278
iShares Short-Term Corporate Bond ETF ETF 464288646 3,211 61,334 SH   SOLE   0 0 61,334
iShares Tr Lehman Tips ETF 464287176 2,135 18,108 SH   SOLE   0 0 18,108
iShares U.S. Real Estate ETF ETF 464287739 371 5,345 SH   SOLE   0 0 5,345
PIMCO 1-5 Year US TIPS Index Fund ETF 72201R205 715 13,836 SH   SOLE   0 0 13,836
Powershares BulletShares 2020 Corporate Bond EFT ETF 46138J502 338 16,125 SH   SOLE   0 0 16,125
Powershares BulletShares 2021 Corporate Bond EFT ETF 46138J700 5,992 285,755 SH   SOLE   0 0 285,755
Powershares BulletShares 2022 Corporate Bond EFT ETF 46138J882 5,955 281,178 SH   SOLE   0 0 281,178
Powershares BulletShares 2023 Corporate Bond EFT ETF 46138J866 367 17,745 SH   SOLE   0 0 17,745
Schwab Emerging Markets Equity ETF ETF 808524706 3,757 181,590 SH   SOLE   0 0 181,590
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854 643 10,940 SH   SOLE   0 0 10,940
Schwab International Equity ETF ETF 808524805 13,905 538,130 SH   SOLE   0 0 538,130
Schwab U.S. Large-Cap Growth ETF ETF 808524300 2,851 35,806 SH   SOLE   0 0 35,806
Schwab U.S. Large-Cap Value ETF ETF 808524409 2,663 60,154 SH   SOLE   0 0 60,154
Schwab US Aggregate Bond Etf ETF 808524839 2,249 41,442 SH   SOLE   0 0 41,442
Schwab US Dividend Equity ETF ETF 808524797 5,794 128,825 SH   SOLE   0 0 128,825
Schwab US REIT ETF ETF 808524847 4,545 138,833 SH   SOLE   0 0 138,833
SPDR Gold Trust ETF 78463V107 253 1,712 SH   SOLE   0 0 1,712
SPDR MSCI ACWI es-US ETF ETF 78463X848 3,697 187,490 SH   SOLE   0 0 187,490
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821 1,021 23,865 SH   SOLE   0 0 23,865
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839 808 22,931 SH   SOLE   0 0 22,931
SPDR S&P 500 ETF ETF 78462F103 550 2,134 SH   SOLE   0 0 2,134
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201 608 13,166 SH   SOLE   0 0 13,166
SPDR S&P 600 Small Cap Value ETF ETF 78464A300 491 12,033 SH   SOLE   0 0 12,033
Vanguard FTSE All World EX US Index Fund ETF 922042775 702 17,128 SH   SOLE   0 0 17,128
Vanguard High Dividend Yield ETF ETF 921946406 523 7,398 SH   SOLE   0 0 7,398
Vanguard Large Cap ETF ETF 922908637 795 6,719 SH   SOLE   0 0 6,719
Vanguard MSCI Emerging Markets ETF ETF 922042858 3,922 116,922 SH   SOLE   0 0 116,922
Vanguard Total Stock MKT ETF 922908769 810 6,290 SH   SOLE   0 0 6,290