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 5,051 42,545 SH   SOLE   0 0 42,545
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 1,400 12,572 SH   SOLE   0 0 12,572
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 4,546 121,377 SH   SOLE   0 0 121,377
VANGUARD REIT ETF ETF 922908553 20,190 232,767 SH   SOLE   0 0 232,767
SPDR DOW JONES INDUSTRIAL AVERAGE ETF ETF 78467X109 802 4,387 SH   SOLE   0 0 4,387
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 13,008 261,106 SH   SOLE   0 0 261,106
SPDR S&P 500 ETF ETF 78462F103 132,464 612,408 SH   SOLE   0 0 612,408
SPDR GOLD SHARES ETF 78463V107 625 4,972 SH   SOLE   0 0 4,972
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 6,045 105,042 SH   SOLE   0 0 105,042
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 29,415 1,021,707 SH   SOLE   0 0 1,021,707
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 297 5,757 SH   SOLE   0 0 5,757
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 20,228 877,174 SH   SOLE   0 0 877,174
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,621 13,268 SH   SOLE   0 0 13,268
VANGUARD MID-CAP INDEX FUND ETF 922908629 31,033 239,752 SH   SOLE   0 0 239,752
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 10,200 181,592 SH   SOLE   0 0 181,592
SCHWAB U.S. REIT ETF ETF 808524847 230 5,400 SH   SOLE   0 0 5,400
SCHWAB U.S. MID-CAP ETF ETF 808524508 11,080 254,593 SH   SOLE   0 0 254,593
ISHARES RUSSELL 2000 ETF ETF 464287655 19,937 160,514 SH   SOLE   0 0 160,514
POWERSHARES S&P 500 LOW VOLATILITY PORTFOLIO ETF 73937B779 870 20,974 SH   SOLE   0 0 20,974
ISHARES SELECT DIVIDEND ETF ETF 464287168 420 4,898 SH   SOLE   0 0 4,898
PIMCO TOTAL RETURN ACTIVE EXCHANGE-TRADED FUND ETF 72201R775 417 3,860 SH   SOLE   0 0 3,860
SPDR DOW JONES INTERNATIONAL REAL ESTATE ETF ETF 78463X863 833 19,968 SH   SOLE   0 0 19,968
ISHARES CORE S&P 500 ETF ETF 464287200 20,351 93,544 SH   SOLE   0 0 93,544
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 47,638 1,273,415 SH   SOLE   0 0 1,273,415
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 13,219 351,298 SH   SOLE   0 0 351,298
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF 921946406 350 4,856 SH   SOLE   0 0 4,856
SPDR S&P INTERNATIONAL SMALL CAP ETF ETF 78463X871 204 6,496 SH   SOLE   0 0 6,496
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 3,645 43,434 SH   SOLE   0 0 43,434
ISHARES FTSE EPRA/NAREIT DEVELOPED REAL ESTATE EX-US INDEX FUND ETF 464288489 5,684 188,398 SH   SOLE   0 0 188,398
SPDR DOW JONES REIT ETF ETF 78464A607 514 5,274 SH   SOLE   0 0 5,274
ISHARES MSCI EAFE ETF ETF 464287465 7,043 119,105 SH   SOLE   0 0 119,105
ISHARES RUSSELL 1000 ETF ETF 464287622 9,247 76,764 SH   SOLE   0 0 76,764