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
POWERSHARES QQQ TRUST, SERIES 1 ETF 73935A104 4,737 44,048 SH   SOLE   0 0 44,048
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 1,358 12,671 SH   SOLE   0 0 12,671
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 4,498 130,917 SH   SOLE   0 0 130,917
VANGUARD REIT ETF ETF 922908553 20,248 228,347 SH   SOLE   0 0 228,347
SPDR DOW JONES INDUSTRIAL AVERAGE ETF ETF 78467X109 775 4,331 SH   SOLE   0 0 4,331
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 13,623 270,518 SH   SOLE   0 0 270,518
SPDR S&P 500 TRUST ETF 78462F103 129,548 618,441 SH   SOLE   0 0 618,441
SPDR GOLD SHARES ETF 78463V107 629 4,972 SH   SOLE   0 0 4,972
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 5,561 102,930 SH   SOLE   0 0 102,930
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 27,920 1,029,875 SH   SOLE   0 0 1,029,875
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 271 5,448 SH   SOLE   0 0 5,448
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 18,033 846,997 SH   SOLE   0 0 846,997
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,528 13,206 SH   SOLE   0 0 13,206
VANGUARD MID-CAP INDEX FUND ETF 922908629 29,882 241,705 SH   SOLE   0 0 241,705
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 9,482 175,407 SH   SOLE   0 0 175,407
SCHWAB U.S. REIT ETF ETF 808524847 233 5,371 SH   SOLE   0 0 5,371
SCHWAB U.S. MID-CAP ETF ETF 808524508 10,415 247,907 SH   SOLE   0 0 247,907
ISHARES RUSSELL 2000 ETF ETF 464287655 18,524 161,107 SH   SOLE   0 0 161,107
POWERSHARES S&P 500 LOW VOLATILITY PORTFOLIO ETF 73937B779 897 20,974 SH   SOLE   0 0 20,974
ISHARES SELECT DIVIDEND ETF ETF 464287168 438 5,135 SH   SOLE   0 0 5,135
PIMCO TOTAL RETURN ACTIVE EXCHANGE-TRADED FUND ETF 72201R775 292 2,723 SH   SOLE   0 0 2,723
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863 821 19,797 SH   SOLE   0 0 19,797
ISHARES CORE S&P 500 ETF ETF 464287200 19,127 90,863 SH   SOLE   0 0 90,863
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 44,273 1,252,056 SH   SOLE   0 0 1,252,056
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 12,133 344,383 SH   SOLE   0 0 344,383
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF 921946406 353 4,947 SH   SOLE   0 0 4,947
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 3,669 44,074 SH   SOLE   0 0 44,074
ISHARES FTSE EPRA/NAREIT DEVELOPED REAL ESTATE EX-US INDEX FUND ETF 464288489 5,421 185,897 SH   SOLE   0 0 185,897
SPDR DOW JONES REIT ETF ETF 78464A607 520 5,234 SH   SOLE   0 0 5,234
ISHARES MSCI EAFE ETF ETF 464287465 6,710 120,208 SH   SOLE   0 0 120,208
ISHARES RUSSELL 1000 ETF ETF 464287622 9,455 80,890 SH   SOLE   0 0 80,890