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 DJ SELECT DIVIDEND ETF 464287168 416 5,094 SH   SOLE   0 0 5,094
ISHARES S&P 500 INDEX ETF 464287200 18,716 90,568 SH   SOLE   0 0 90,568
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 4,503 131,482 SH   SOLE   0 0 131,482
ISHARES MSCI EAFE ETF ETF 464287465 6,714 117,456 SH   SOLE   0 0 117,456
ISHARES RUSSELL 1000 ETF ETF 464287622 9,297 81,501 SH   SOLE   0 0 81,501
ISHARES RUSSELL 2000 ETF ETF 464287655 18,268 165,127 SH   SOLE   0 0 165,127
ISHARES TR FTSE EPRA/NAREIT GLOBAL REAL ESTATE EX-US ETF 464288489 5,732 196,181 SH   SOLE   0 0 196,181
SCHWAB U.S. MID-CAP ETF ETF 808524508 9,827 242,090 SH   SOLE   0 0 242,090
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 5,127 98,520 SH   SOLE   0 0 98,520
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 16,924 814,828 SH   SOLE   0 0 814,828
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 25,893 955,101 SH   SOLE   0 0 955,101
SCHWAB U.S. REIT ETF ETF 808524847 221 5,342 SH   SOLE   0 0 5,342
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 3,586 44,139 SH   SOLE   0 0 44,139
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 46,514 1,296,364 SH   SOLE   0 0 1,296,364
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 339 4,907 SH   SOLE   0 0 4,907
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 8,885 166,049 SH   SOLE   0 0 166,049
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 12,173 352,025 SH   SOLE   0 0 352,025
VANGUARD REIT INDEX ETF ETF 922908553 18,690 223,030 SH   SOLE   0 0 223,030
VANGUARD MID-CAP INDEX FUND ETF 922908629 29,894 246,591 SH   SOLE   0 0 246,591
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,468 13,171 SH   SOLE   0 0 13,171
VANGUARD TOTAL STK MKT ETF 922908769 1,336 12,747 SH   SOLE   0 0 12,747
PIMCO TOTAL RETURN ACTIVE EXCHANGE-TRADED FUND ETF 72201R775 266 2,525 SH   SOLE   0 0 2,525
POWERSHARES QQQ TR ETF 73935A104 4,862 44,523 SH   SOLE   0 0 44,523
POWERSHARES SP500 LOW VOLATILITY ETF ETF 73937B779 846 20,974 SH   SOLE   0 0 20,974
SPDR S&P 500 TRUST ETF 78462F103 127,705 621,377 SH   SOLE   0 0 621,377
SPDR GOLD SHARES ETF 78463V107 585 4,972 SH   SOLE   0 0 4,972
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 13,775 281,302 SH   SOLE   0 0 281,302
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863 811 19,554 SH   SOLE   0 0 19,554
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 908 9,543 SH   SOLE   0 0 9,543
SPDR DOW JONES INDUSTRIAL AVERAGE ETF ETF 78467X109 967 5,477 SH   SOLE   0 0 5,477