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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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
ABBOTT LABS COM 002824100 491 8,202 SH   SOLE 0 0 8,202
ABIOMED INC COM 003654100 291 1,000 SH   SOLE 0 0 1,000
AMERICAN ELEC PWR INC COM 025537101 270 3,934 SH   SOLE 0 0 3,934
INTERNATIONAL BUSINESS MACHS COM 459200101 286 1,861 SH   SOLE 0 0 1,861
ISHARES TR CORE S&P500 ETF 464287200 11,072 41,731 SH   SOLE 0 0 41,731
ISHARES TR CORE S&P MCP ETF 464287507 18,921 100,899 SH   SOLE 0 0 100,899
ISHARES TR S&P MC 400GR ETF 464287606 278 1,272 SH   SOLE 0 0 1,272
ISHARES TR CORE S&P SCP ETF 464287804 7,920 102,849 SH   SOLE 0 0 102,849
ISHARES TR S&P SML 600 GWT 464287887 214 1,233 SH   SOLE 0 0 1,233
ISHARES TR SHRT NAT MUN ETF 464288158 4,005 38,194 SH   SOLE 0 0 38,194
ISHARES TR EAFE VALUE ETF 464288877 13,589 248,987 SH   SOLE 0 0 248,987
ISHARES TR EAFE GRWTH ETF 464288885 4,026 50,121 SH   SOLE 0 0 50,121
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 399 2,493 SH   SOLE 0 0 2,493
PROCTER AND GAMBLE CO COM 742718109 335 4,228 SH   SOLE 0 0 4,228
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,672 296,031 SH   SOLE 0 0 296,031
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,916 110,456 SH   SOLE 0 0 110,456
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,074 114,902 SH   SOLE 0 0 114,902
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,644 163,473 SH   SOLE 0 0 163,473
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,520 79,894 SH   SOLE 0 0 79,894
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,420 398,164 SH   SOLE 0 0 398,164
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 5,826 186,795 SH   SOLE 0 0 186,795
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,934 331,341 SH   SOLE 0 0 331,341
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,243 113,862 SH   SOLE 0 0 113,862
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 220 4,480 SH   SOLE 0 0 4,480
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,853 351,448 SH   SOLE 0 0 351,448
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 430 8,416 SH   SOLE 0 0 8,416
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,973 156,395 SH   SOLE 0 0 156,395
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 9,718 184,825 SH   SOLE 0 0 184,825
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 12,419 249,182 SH   SOLE 0 0 249,182
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 19,814 542,748 SH   SOLE 0 0 542,748
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 7,708 146,703 SH   SOLE 0 0 146,703
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 611 15,726 SH   SOLE 0 0 15,726
SPDR SER TR BLOMBERG BRC INV 78468R200 11,586 376,932 SH   SOLE 0 0 376,932
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 12,723 353,252 SH   SOLE 0 0 353,252
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 15,556 470,256 SH   SOLE 0 0 470,256
TRAVELERS COMPANIES INC COM 89417E109 222 1,600 SH   SOLE 0 0 1,600
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,065 7,645 SH   SOLE 0 0 7,645
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 535 5,066 SH   SOLE 0 0 5,066
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 6,312 53,519 SH   SOLE 0 0 53,519
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 4,946 36,625 SH   SOLE 0 0 36,625
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 635 5,010 SH   SOLE 0 0 5,010
VANGUARD GROUP DIV APP ETF 921908844 301 2,980 SH   SOLE 0 0 2,980
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,168 92,941 SH   SOLE 0 0 92,941
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,832 21,847 SH   SOLE 0 0 21,847
VANGUARD INDEX FDS SM CP VAL ETF 922908611 13,302 102,758 SH   SOLE 0 0 102,758
VANGUARD INDEX FDS MID CAP ETF 922908629 365 2,370 SH   SOLE 0 0 2,370
VANGUARD INDEX FDS GROWTH ETF 922908736 493 3,476 SH   SOLE 0 0 3,476
VANGUARD INDEX FDS VALUE ETF 922908744 8,771 85,006 SH   SOLE 0 0 85,006
VANGUARD INDEX FDS SMALL CP ETF 922908751 469 3,190 SH   SOLE 0 0 3,190
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,700 14,245 SH   SOLE 0 0 14,245
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,622 98,391 SH   SOLE 0 0 98,391
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 794 10,155 SH   SOLE 0 0 10,155
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 4,808 34,753 SH   SOLE 0 0 34,753
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 4,187 39,322 SH   SOLE 0 0 39,322
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,096 24,738 SH   SOLE 0 0 24,738