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 TR ETF 46090E103 227 815 SH   SOLE 0 0 0 815
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,233 24,715 SH   SOLE 0 0 0 24,714
VANGUARD REIT INDEX ETF ETF 922908553 3,296 41,743 SH   SOLE 0 1,428 0 40,314
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 262 2,425 SH   SOLE 0 0 0 2,424
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 921 17,428 SH   SOLE 0 567 0 16,861
ISHARES RUSSELL 2000 VALUE ETF 464287630 363 3,652 SH   SOLE 0 496 0 3,155
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 255 3,729 SH   SOLE 0 0 0 3,728
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,330 6,132 SH   SOLE 0 0 0 6,131
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 976 31,072 SH   SOLE 0 0 0 31,071
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,600 32,244 SH   SOLE 0 0 0 32,244
ISHARES US REAL ESTATE ETF ETF 464287739 1,372 17,183 SH   SOLE 0 2,901 0 14,281
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,715 23,574 SH   SOLE 0 0 0 23,574
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 784 11,161 SH   SOLE 0 98 0 11,062
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 478 17,846 SH   SOLE 0 0 0 17,845
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,195 42,049 SH   SOLE 0 0 0 42,048
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 513 1,515 SH   SOLE 0 0 0 1,515
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,289 22,460 SH   SOLE 0 0 0 22,459
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 257 4,346 SH   SOLE 0 0 0 4,346
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 566 13,050 SH   SOLE 0 0 0 13,049
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,016 12,565 SH   SOLE 0 1,233 0 11,331
ISHARES RUSSELL 2000 ETF ETF 464287655 945 6,307 SH   SOLE 0 0 0 6,306
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,374 24,492 SH   SOLE 0 0 0 24,492
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,222 20,943 SH   SOLE 0 5,893 0 15,050
ISHARES CORE MSCI EAFE ETF 46432F842 18,157 301,214 SH   SOLE 0 9,681 0 291,532
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 7,188 136,145 SH   SOLE 0 7,329 0 128,815
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 231 4,475 SH   SOLE 0 0 0 4,475
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 456 7,832 SH   SOLE 0 0 0 7,832
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 490 8,548 SH   SOLE 0 0 0 8,547
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,413 13,679 SH   SOLE 0 834 0 12,843
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 1,783 51,914 SH   SOLE 0 2,504 0 49,409
ISHARES S&P 500 VALUE ETF ETF 464287408 7,348 65,345 SH   SOLE 0 5,997 0 59,347
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,945 30,057 SH   SOLE 0 292 0 29,764
ISHARES S&P 500 INDEX ETF 464287200 12,184 36,254 SH   SOLE 0 2,020 0 34,233
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 904 24,738 SH   SOLE 0 1,463 0 23,274
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4,817 117,769 SH   SOLE 0 3,629 0 114,139
ISHARES AGGREGATE BOND ETF ETF 464287226 6,271 53,121 SH   SOLE 0 5,142 0 47,978
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 3,556 29,047 SH   SOLE 0 1,151 0 27,895
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 8,230 34,407 SH   SOLE 0 2,516 0 31,890
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,115 30,517 SH   SOLE 0 1,945 0 28,570
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 292 31,082 SH   SOLE 0 0 0 31,081
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 407 3,674 SH   SOLE 0 1,290 0 2,383
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,038 10,998 SH   SOLE 0 1,048 0 9,949
ISHARES RUSSELL 1000 ETF ETF 464287622 1,441 7,702 SH   SOLE 0 0 0 7,702
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 3,257 27,575 SH   SOLE 0 790 0 26,784