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
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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
ETFS PALLADIUM TR SH BEN INT 26923A106 134 1,366 SH   SOLE   1,366 0 0
ISHARES TR BARCLY USAGG B 464287226 10,759 99,528 SH   SOLE   99,528 0 0
ISHARES TR S&P SMLCAP 600 464287804 12,182 154,710 SH   SOLE   154,710 0 0
JP MORGAN EXCHANGE TRADED FD DIV RTN GLB EQ 46641Q837 1,126 22,492 SH   SOLE   22,492 0 0
POWERSHS DB MULTI SECT COMM DB ENERGY FUND 73936B705 145 7,415 SH   SOLE   7,415 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 4,364 34,185 SH   SOLE   34,185 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 27,724 411,882 SH   SOLE   411,882 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 32,371 452,106 SH   SOLE   452,106 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 12,142 310,148 SH   SOLE   310,148 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,549 883,233 SH   SOLE   883,233 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 11,727 227,970 SH   SOLE   227,970 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 147 2,339 SH   SOLE   2,339 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 148 1,975 SH   SOLE   1,975 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937827 9,055 115,031 SH   SOLE   115,031 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,124 236,736 SH   SOLE   236,736 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,581 84,733 SH   SOLE   84,733 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 26,311 454,900 SH   SOLE   454,900 0 0
VANGUARD INTL EQUITY INDEX F MSCI EMR MKT ETF 922042858 46,370 930,375 SH   SOLE   930,375 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,999 25,292 SH   SOLE   25,292 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,510 94,636 SH   SOLE   94,636 0 0