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
GREIF INC CL A 397624107 500 9,750 SH   SOLE   0 0 9,750
ISHARES TR CORE ST USDB ETF 46432F859 293 5,857 SH   SOLE   0 0 5,857
ISHARES TR CORE MSCITOTAL 46432F834 1,868 37,005 SH   SOLE   0 0 37,005
ISHARES TR CORE S&P500 ETF 464287200 3,977 17,675 SH   SOLE   0 0 17,675
ISHARES TR CORE S&P MCP ETF 464287507 5,252 31,765 SH   SOLE   0 0 31,765
ISHARES TR CORE S&P SCP ETF 464287804 3,656 26,583 SH   SOLE   0 0 26,583
ISHARES TR CORE US AGGBD ET 464287226 259 2,395 SH   SOLE   0 0 2,395
ISHARES TR 0-5YR HI YL CP 46434V407 297 6,278 SH   SOLE   0 0 6,278
ISHARES TR MIN VOL EAFE ETF 46429B689 5,082 83,014 SH   SOLE   0 0 83,014
ISHARES TR NATIONAL MUN ETF 464288414 1,118 10,334 SH   SOLE   0 0 10,334
ISHARES RUS TP200 VL ETF 464289420 302 6,426 SH   SOLE   0 0 6,426
ISHARES TR S&P MC 400VL ETF 464287705 363 2,499 SH   SOLE   0 0 2,499
ISHARES TR TIPS BD ETF 464287176 234 2,066 SH   SOLE   0 0 2,066
LEGG MASON ETF EQUITY TR LOW DIVI ETF 52468L406 483 16,923 SH   SOLE   0 0 16,923
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 283 10,005 SH   SOLE   0 0 10,005
POWERSHARES ETF TR II PWRSHS SP500 LOW 73937B654 764 19,498 SH   SOLE   0 0 19,498
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 4,867 117,053 SH   SOLE   0 0 117,053
POWERSHARES ETF TR II S&P400 LOVL PT 73937B647 6,660 163,990 SH   SOLE   0 0 163,990
POWERSHARES ETF TR II S&P600 LOVL PT 73937B639 5,484 126,311 SH   SOLE   0 0 126,311
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,495 270,771 SH   SOLE   0 0 270,771
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 266 9,127 SH   SOLE   0 0 9,127
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 848 16,467 SH   SOLE   0 0 16,467
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,542 273,046 SH   SOLE   0 0 273,046
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 323 5,782 SH   SOLE   0 0 5,782
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 281 5,843 SH   SOLE   0 0 5,843
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,517 299,382 SH   SOLE   0 0 299,382
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,612 161,107 SH   SOLE   0 0 161,107
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,977 162,286 SH   SOLE   0 0 162,286
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,015 20,982 SH   SOLE   0 0 20,982
SPDR SER TR NUVN BR SHT MUNI 78468R739 1,607 33,531 SH   SOLE   0 0 33,531
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 210 2,362 SH   SOLE   0 0 2,362
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,404 44,289 SH   SOLE   0 0 44,289