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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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
DELPHAX TECHNOLOGIES COM 24712X106 0 13,000 SH   SOLE   0 0 13,000
GREIF INC CL A 397624107 544 9,750 SH   SOLE   0 0 9,750
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 219 7,454 SH   SOLE   0 0 7,454
ISHARES TR CORE ST USDB ETF 46432F859 344 6,842 SH   SOLE   0 0 6,842
ISHARES TR CORE MSCITOTAL 46432F834 2,144 37,386 SH   SOLE   0 0 37,386
ISHARES TR CORE S&P500 ETF 464287200 4,242 17,426 SH   SOLE   0 0 17,426
ISHARES TR CORE S&P MCP ETF 464287507 5,317 30,564 SH   SOLE   0 0 30,564
ISHARES TR CORE S&P SCP ETF 464287804 3,547 50,586 SH   SOLE   0 0 50,586
ISHARES TR CORE US AGGBD ET 464287226 266 2,429 SH   SOLE   0 0 2,429
ISHARES TR 0-5YR HI YL CP 46434V407 361 7,540 SH   SOLE   0 0 7,540
ISHARES TR MIN VOL EAFE ETF 46429B689 5,983 86,406 SH   SOLE   0 0 86,406
ISHARES TR NATIONAL MUN ETF 464288414 3,466 31,472 SH   SOLE   0 0 31,472
ISHARES RUS TP200 VL ETF 464289420 316 6,462 SH   SOLE   0 0 6,462
ISHARES TR S&P 500 GRWT ETF 464287309 208 1,517 SH   SOLE   0 0 1,517
ISHARES TR S&P MC 400VL ETF 464287705 353 2,374 SH   SOLE   0 0 2,374
ISHARES TR SP SMCP600VL ETF 464287879 204 1,457 SH   SOLE   0 0 1,457
ISHARES TR TIPS BD ETF 464287176 225 1,979 SH   SOLE   0 0 1,979
LEGG MASON ETF EQUITY TR LOW DIVI ETF 52468L406 704 23,483 SH   SOLE   0 0 23,483
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 339 11,589 SH   SOLE   0 0 11,589
POWERSHARES ETF TR II PWRSHS SP500 LOW 73937B654 724 18,004 SH   SOLE   0 0 18,004
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 5,472 122,344 SH   SOLE   0 0 122,344
POWERSHARES ETF TR II S&P400 LOVL PT 73937B647 7,617 176,024 SH   SOLE   0 0 176,024
POWERSHARES ETF TR II S&P600 LOVL PT 73937B639 5,792 132,771 SH   SOLE   0 0 132,771
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,151 287,964 SH   SOLE   0 0 287,964
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 206 8,293 SH   SOLE   0 0 8,293
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 318 9,443 SH   SOLE   0 0 9,443
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 707 13,522 SH   SOLE   0 0 13,522
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,785 290,554 SH   SOLE   0 0 290,554
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 336 5,321 SH   SOLE   0 0 5,321
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 270 5,388 SH   SOLE   0 0 5,388
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,980 311,052 SH   SOLE   0 0 311,052
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,495 181,868 SH   SOLE   0 0 181,868
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,957 171,450 SH   SOLE   0 0 171,450
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,259 25,594 SH   SOLE   0 0 25,594
SPDR SER TR NUVN BR SHT MUNI 78468R739 3,224 66,477 SH   SOLE   0 0 66,477
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 266 2,854 SH   SOLE   0 0 2,854
VANGUARD INDEX FDS GROWTH ETF 922908736 204 1,607 SH   SOLE   0 0 1,607
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 212 2,595 SH   SOLE   0 0 2,595
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,658 48,905 SH   SOLE   0 0 48,905