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
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,258 301,937 SH   SOLE 0 0 0 301,937
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,834 297,242 SH   SOLE 0 0 0 297,242
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,720 182,390 SH   SOLE 0 0 0 182,390
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,373 333,821 SH   SOLE 0 0 0 333,821
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,214 197,361 SH   SOLE 0 0 0 197,361
POWERSHARES ETF TR II S&P400 LOVL PT 73937B647 8,182 180,301 SH   SOLE 0 0 0 180,301
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 6,796 142,363 SH   SOLE 0 0 0 142,363
POWERSHARES ETF TR II S&P600 LOVL PT 73937B639 6,654 143,874 SH   SOLE 0 0 0 143,874
ISHARES TR MIN VOL EAFE ETF 46429B689 6,464 88,568 SH   SOLE 0 0 0 88,568
ISHARES TR CORE S&P MCP ETF 464287507 5,734 30,212 SH   SOLE 0 0 0 30,212
ISHARES TR NATIONAL MUN ETF 464288414 4,778 43,149 SH   SOLE 0 0 0 43,149
ISHARES TR CORE S&P500 ETF 464287200 4,489 16,697 SH   SOLE 0 0 0 16,697
ISHARES TR CORE S&P SCP ETF 464287804 3,976 51,768 SH   SOLE 0 0 0 51,768
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,715 77,539 SH   SOLE 0 0 0 77,539
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,294 60,587 SH   SOLE 0 0 0 60,587
ISHARES TR CORE MSCI TOTAL 46432F834 2,416 38,298 SH   SOLE 0 0 0 38,298
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,279 26,297 SH   SOLE 0 0 0 26,297
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 1,179 12,405 SH   SOLE 0 0 0 12,405
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 821 15,786 SH   SOLE 0 0 0 15,786
POWERSHARES ETF TR II PWRSHS SP500 LOW 73937B654 768 18,110 SH   SOLE 0 0 0 18,110
LEGG MASON ETF INVESTMENT TR LOW DIVI ETF 52468L406 637 20,198 SH   SOLE 0 0 0 20,198
GREIF INC CL A 397624107 591 9,750 SH   SOLE 0 0 0 9,750
ISHARES TR 0-5YR HI YL CP 46434V407 424 9,000 SH   SOLE 0 0 0 9,000
ISHARES TR S&P MC 400VL ETF 464287705 412 2,575 SH   SOLE 0 0 0 2,575
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 405 13,708 SH   SOLE 0 0 0 13,708
ISHARES RUS TP200 VL ETF 464289420 326 6,220 SH   SOLE 0 0 0 6,220
ISHARES TR CORE ST USDB ETF 46432F859 313 6,280 SH   SOLE 0 0 0 6,280
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 305 4,312 SH   SOLE 0 0 0 4,312
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 278 9,122 SH   SOLE 0 0 0 9,122
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 243 8,714 SH   SOLE 0 0 0 8,714
BB&T CORP COM 054937107 235 4,719 SH   SOLE 0 0 0 4,719
ISHARES TR S&P 500 GRWT ETF 464287309 233 1,526 SH   SOLE 0 0 0 1,526
ISHARES TR EAFE SML CP ETF 464288273 231 3,588 SH   SOLE 0 0 0 3,588
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 228 4,179 SH   SOLE 0 0 0 4,179
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 225 4,608 SH   SOLE 0 0 0 4,608
ISHARES TR SP SMCP600VL ETF 464287879 216 1,405 SH   SOLE 0 0 0 1,405
VANGUARD INDEX FDS REIT ETF 922908553 207 2,498 SH   SOLE 0 0 0 2,498
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 205 4,098 SH   SOLE 0 0 0 4,098
DELPHAX TECHNOLOGIES COM 24712X106 0 13,000 SH   SOLE 0 0 0 13,000