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 TIPS BD ETF 464287176 25,230 225,063 SH   SOLE 224,967 96 0
ISHARES MSCI EMG MKT ETF 464287234 40,662 991,524 SH   SOLE 991,524 0 0
ISHARES IBOXX INV CP ETF 464287242 40,857 349,381 SH   SOLE 349,300 81 0
ISHARES MSCI EAFE ETF 464287465 290,302 4,319,971 SH   SOLE 4,319,778 193 0
ISHARES RUS 1000 ETF 464287622 320,674 3,060,743 SH   SOLE 3,060,597 146 0
ISHARES RUSSELL 2000 ETF 464287655 105,524 907,028 SH   SOLE 906,991 37 0
ISHARES AGENCY BOND ETF 464288166 45,129 404,421 SH   SOLE 404,333 88 0
ISHARES EAFE SML CP ETF 464288273 69,016 1,322,153 SH   SOLE 1,321,958 195 0
ISHARES MBS ETF 464288588 308,779 2,909,441 SH   SOLE 2,908,807 634 0
ISHARES INTERM CR BD ETF 464288638 151,686 1,390,846 SH   SOLE 1,390,477 369 0
ISHARES 3-7 YR TR BD ETF 464288661 83,432 691,177 SH   SOLE 691,035 142 0
ISHARES MICRO-CAP ETF 464288869 40,498 523,907 SH   SOLE 523,872 35 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 121,063 1,135,565 SH   SOLE 1,135,359 206 0
POWERSHS DB MULTI SECT COMM PS DB AGRICUL FD 73936B408 46,432 1,638,955 SH   SOLE 1,638,848 107 0
POWERSHS DB MULTI SECT COMM DB OIL FUND 73936B507 56,744 1,982,684 SH   SOLE 1,982,418 266 0
POWERSHS DB MULTI SECT COMM DB BASE METALS 73936B705 25,185 1,586,938 SH   SOLE 1,586,772 166 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 223,427 4,997,240 SH   SOLE 4,996,459 781 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 73,903 1,378,782 SH   SOLE 1,378,565 217 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 28,674 1,178,553 SH   SOLE 1,178,316 237 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 201,142 6,385,455 SH   SOLE 6,384,437 1,018 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 64,298 1,941,960 SH   SOLE 1,941,552 408 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 57,223 1,088,918 SH   SOLE 1,088,617 301 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 18,516 343,213 SH   SOLE 343,162 51 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 38,966 1,180,424 SH   SOLE 1,180,424 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 85,926 3,846,302 SH   SOLE 3,845,936 366 0
SPDR GOLD TRUST GOLD SHS 78463V107 25,408 205,549 SH   SOLE 205,527 22 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 39,088 945,972 SH   SOLE 945,697 275 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 43,530 733,073 SH   SOLE 732,837 236 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 92,992 1,191,741 SH   SOLE 1,191,604 137 0
SPDR SERIES TRUST S&P SEMICNDCTR 78464A862 44,760 650,015 SH   SOLE 649,939 76 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 76,798 1,622,256 SH   SOLE 1,622,135 121 0