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
FACEBOOK INC CL A 30303M102 2 25 SH   SOLE 0 0 0 25
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 11 421 SH   SOLE 0 0 0 421
CLAYMORE EXCHANGE TRD FD TR GUGG BRIC ETF 18383M100 10 286 SH   SOLE 0 0 0 286
CLAYMORE EXCHANGE TRD FD TR GUG BLT2018 HY 18383M381 12 434 SH   SOLE 0 0 0 434
CLAYMORE EXCHANGE TRD FD TR GUGG BULL 2014 18383M431 11 420 SH   SOLE 0 0 0 420
CLAYMORE EXCHANGE TRD FD TR GUGG BULL 2015 18383M423 11 421 SH   SOLE 0 0 0 421
CLAYMORE EXCHANGE TRD FD TR GUG BLT2017 HY 18383M399 11 421 SH   SOLE 0 0 0 421
HIGHER ONE HLDGS INC COM 42983D104 7 2,815 SH   SOLE 0 0 0 2,815
ISHARES TR 0-5 YR TIPS ETF 46429B747 16 158 SH   SOLE 0 0 0 158
ISHARES TR CORE US AGGBD ET 464287226 2,732 25,400 SH   SOLE 0 0 0 25,400
ISHARES MBS ETF 464288588 335 3,095 SH   SOLE 0 0 0 3,095
ISHARES TR TIPS BD ETF 464287176 972 12,737 SH   SOLE 0 0 0 12,737
ISHARES TR 7-10 Y TR BD ETF 464287440 45 439 SH   SOLE 0 0 0 439
ISHARES MSCI SINGAP ETF 464286673 9 645 SH   SOLE 0 0 0 645
ISHARES TR INTL INFL-LKD BD 46429B770 38 824 SH   SOLE 0 0 0 824
ISHARES MSCI CDA ETF 464286509 2,802 91,306 SH   SOLE 0 0 0 91,306
ISHARES TR MSCI EAFE ETF 464287465 241 3,746 SH   SOLE 0 0 0 3,746
ISHARES MSCI EM VAL ETF 464286459 19 399 SH   SOLE 0 0 0 399
ISHARES TR MSCI EMG MKT ETF 464287234 236 5,687 SH   SOLE 0 0 0 5,687
ISHARES TR MSCI INDONIA ETF 46429B309 8 292 SH   SOLE 0 0 0 292
ISHARES MSCI THI CAP ETF 464286624 9 111 SH   SOLE 0 0 0 111
ISHARES NAT AMT FREE BD 464288414 271 2,471 SH   SOLE 0 0 0 2,471
ISHARES TR RUS 1000 VAL ETF 464287598 42 424 SH   SOLE 0 0 0 424
ISHARES TR S&P 500 VAL ETF 464287408 225 2,489 SH   SOLE 0 0 0 2,489
ISHARES TR CORE S&P SCP ETF 464287804 74 703 SH   SOLE 0 0 0 703
ISHARES TR SP SMCP600GR ETF 464287887 5 41 SH   SOLE 0 0 0 41
ISHARES TR SP SMCP600VL ETF 464287879 325 3,034 SH   SOLE 0 0 0 3,034
ISHARES SHRT TRS BD ETF 464288679 249 2,260 SH   SOLE 0 0 0 2,260
ISHARES EAFE SML CP ETF 464288273 1,144 23,594 SH   SOLE 0 0 0 23,594
ISHARES EAFE VALUE ETF 464288877 29 520 SH   SOLE 0 0 0 520
ISHARES INTL DEVPPTY ETF 464288422 289 7,895 SH   SOLE 0 0 0 7,895
ISHARES MSCI MALAYSI ETF 464286830 9 595 SH   SOLE 0 0 0 595
NEWMONT MINING CORP COM 651639106 2 100 SH   SOLE 0 0 0 100
PEPSICO INC COM 713448108 9 100 SH   SOLE 0 0 0 100
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,074 20,440 SH   SOLE 0 0 0 20,440
POWERSHARES ETF TRUST FND PUR SMVAL PT 73935X864 5 205 SH   SOLE 0 0 0 205
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,700 49,838 SH   SOLE 0 0 0 49,838
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 25 990 SH   SOLE 0 0 0 990
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 54 1,055 SH   SOLE 0 0 0 1,055
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 454 9,544 SH   SOLE 0 0 0 9,544
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,729 458,388 SH   SOLE 0 0 0 458,388
SPDR GOLD TRUST GOLD SHS 78463V107 26 226 SH   SOLE 0 0 0 226
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 8 171 SH   SOLE 0 0 0 171
SPDR SERIES TRUST RUSSELL 3000 ETF 78464A805 79 537 SH   SOLE 0 0 0 537
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 647 16,097 SH   SOLE 0 0 0 16,097
SPDR SERIES TRUST DB INT GVT ETF 78464A490 147 9,573 SH   SOLE 0 0 0 9,573
SPDR SERIES TRUST DJ REIT ETF 78464A607 16 197 SH   SOLE 0 0 0 197
SPDR SER TR SHT TRM HGH YLD 78468R408 76 2,543 SH   SOLE 0 0 0 2,543
SPDR S&P 500 ETF TR TR UNIT 78462F103 490 2,487 SH   SOLE 0 0 0 2,487
T2 BIOSYSTEMS INC COM 89853L104 11 610 SH   SOLE 0 0 0 610
TARGET CORP COM 87612e106 14 227 SH   SOLE 0 0 0 227
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 9,320 126,343 SH   SOLE 0 0 0 126,343
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 14 145 SH   SOLE 0 0 0 145
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 15 174 SH   SOLE 0 0 0 174
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 4,595 58,346 SH   SOLE 0 0 0 58,346
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 149 1,776 SH   SOLE 0 0 0 1,776
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 29 474 SH   SOLE 0 0 0 474
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 295 5,425 SH   SOLE 0 0 0 5,425
VANGUARD INDEX FDS GROWTH ETF 922908736 577 5,788 SH   SOLE 0 0 0 5,788
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 31,821 610,655 SH   SOLE 0 0 0 610,655
VANGUARD INDEX FDS LARGE CAP ETF 922908637 91 1,014 SH   SOLE 0 0 0 1,014
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 13,777 312,104 SH   SOLE 0 0 0 312,104
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,138 40,667 SH   SOLE 0 0 0 40,667
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,322 58,427 SH   SOLE 0 0 0 58,427
VANGUARD INDEX FDS REIT ETF 922908553 4,328 61,755 SH   SOLE 0 0 0 61,755
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 696 8,691 SH   SOLE 0 0 0 8,691
VANGUARD INDEX FDS SM CP VAL ETF 922908611 216 2,165 SH   SOLE 0 0 0 2,165
VANGUARD INDEX FDS VALUE ETF 922908744 3,866 47,600 SH   SOLE 0 0 0 47,600
VISTAPRINT N V VISTAPRINT N V G93762204 821 14,980 SH   SOLE 0 0 0 14,980
WHOLE FOODS MKT INC COM 966837106 8 200 SH   SOLE 0 0 0 200
WISDOMTREE TR DEFA FD 97717W703 20 381 SH   SOLE 0 0 0 381