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
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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
DIREXION SHS ETF TR ZACKS MLP HG INC 25459Y298 207 11,003 SH   SOLE   11,003 0 0
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 49,261 774,545 SH   SOLE   774,545 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 194,981 7,703,704 SH   SOLE   7,703,593 111 0
FLEXSHARES TR INTL QLTDV IDX 33939L837 8,772 360,843 SH   SOLE   360,843 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 20,728 1,783,805 SH   SOLE   1,783,805 0 0
ISHARES GOLD TRUST ISHARES 464285105 575,678 47,933,163 SH   SOLE   47,926,066 7,097 0
ISHARES INC CORE MSCI EMKT 46434G103 156,546 3,275,703 SH   SOLE   3,275,667 36 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 388 3,822 SH   SOLE   3,822 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,020,597 21,360,343 SH   SOLE   21,357,413 2,930 0
ISHARES TR 3 7 YR TREAS BD 464288661 85,150 691,993 SH   SOLE   691,981 12 0
ISHARES TR AGENCY BOND ETF 464288166 57,483 508,479 SH   SOLE   508,471 8 0
ISHARES TR BARCLAYS 7 10 YR 464287440 53,683 508,406 SH   SOLE   508,392 14 0
ISHARES TR CALIF MUN BD ETF 464288356 30,064 258,486 SH   SOLE   258,486 0 0
ISHARES TR CMBS ETF 46429B366 28,010 546,749 SH   SOLE   546,732 17 0
ISHARES TR EAFE SML CP ETF 464288273 92,082 1,700,821 SH   SOLE   1,700,805 16 0
ISHARES TR IBOXX INV CP ETF 464287242 96,209 815,952 SH   SOLE   815,934 18 0
ISHARES TR INTL DEV RE ETF 464288489 1,086 39,542 SH   SOLE   39,542 0 0
ISHARES TR INTL TREA BD ETF 464288117 1,132 12,382 SH   SOLE   12,382 0 0
ISHARES TR MICRO-CAP ETF 464288869 51,242 598,275 SH   SOLE   598,270 5 0
ISHARES TR MIN VOL USA ETF 46429B697 108,477 2,273,189 SH   SOLE   2,273,171 18 0
ISHARES TR PFD AND INCM SEC 464288687 396 10,225 SH   SOLE   10,225 0 0
ISHARES TR RUS 1000 ETF 464287622 479,026 3,649,724 SH   SOLE   3,649,681 43 0
ISHARES TR RUSSELL 2000 ETF 464287655 147,277 1,071,263 SH   SOLE   1,071,250 13 0
ISHARES TR TIPS BD ETF 464287176 54,577 476,028 SH   SOLE   476,020 8 0
POWERSHARES ACT MANG COMM FD OPT YLD DIV 73937V106 118,459 7,123,226 SH   SOLE   7,123,147 79 0
POWERSHARES ETF TR II CALI MUNI ETF 73936T441 35,536 1,401,812 SH   SOLE   1,401,812 0 0
POWERSHARES ETF TR II DEV MKTS EX-US 73936T789 57,201 1,426,802 SH   SOLE   1,426,802 0 0
POWERSHARES ETF TR II EMER MRKT PORT 73936T763 39,269 1,979,281 SH   SOLE   1,979,281 0 0
POWERSHARES ETF TR II EX US SML PORT 73936T771 35,276 1,206,406 SH   SOLE   1,206,405 1 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 105,318 1,027,794 SH   SOLE   1,027,794 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 43,204 371,108 SH   SOLE   371,108 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 192,534 8,277,428 SH   SOLE   8,277,336 92 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 482,954 20,148,269 SH   SOLE   20,145,880 2,389 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 939,655 31,458,135 SH   SOLE   31,454,907 3,228 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 417,003 13,310,022 SH   SOLE   13,308,244 1,778 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 277,841 5,182,621 SH   SOLE   5,182,136 485 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,550,492 45,886,101 SH   SOLE   45,880,146 5,955 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 994,892 28,662,987 SH   SOLE   28,659,244 3,743 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 611,509 23,137,793 SH   SOLE   23,134,580 3,213 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,083,731 40,437,704 SH   SOLE   40,432,669 5,035 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 579,945 18,933,876 SH   SOLE   18,931,354 2,522 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 210,565 4,723,331 SH   SOLE   4,723,331 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,376,438 24,461,319 SH   SOLE   24,458,613 2,706 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 476,824 11,692,600 SH   SOLE   11,691,363 1,237 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 661,792 10,507,969 SH   SOLE   10,505,665 2,304 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 181,598 3,270,250 SH   SOLE   3,270,250 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 134,255 3,525,602 SH   SOLE   3,525,602 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 55,413 1,156,369 SH   SOLE   1,156,369 0 0
SPDR SERIES TRUST BLOMBRG BRC MRTG 78464A383 2,437 92,584 SH   SOLE   92,584 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 80,127 2,169,716 SH   SOLE   2,169,704 12 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 103,541 1,122,030 SH   SOLE   1,122,011 19 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 278,275 8,153,363 SH   SOLE   8,152,881 482 0
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 31,931 726,356 SH   SOLE   726,356 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 745,020 40,249,614 SH   SOLE   40,244,430 5,184 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 369,291 6,822,304 SH   SOLE   6,821,430 874 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,465 90,386 SH   SOLE   90,386 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 79,678 368,280 SH   SOLE   368,280 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 40,116 300,998 SH   SOLE   300,998 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 31,179 303,747 SH   SOLE   303,747 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 275,594 5,174,506 SH   SOLE   5,173,852 654 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 127,119 2,510,242 SH   SOLE   2,510,242 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,397 99,461 SH   SOLE   99,461 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,251 26,052 SH   SOLE   26,052 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 934,758 17,798,143 SH   SOLE   17,796,723 1,420 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 456,489 11,615,483 SH   SOLE   11,615,362 121 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 64,004 803,568 SH   SOLE   803,568 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 8,399 108,164 SH   SOLE   108,164 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 137,916 2,724,543 SH   SOLE   2,724,522 21 0