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 DB MULTI-SECTOR BASE METALS FD 46140H700 190 12,556 SH   SOLE   12,556 0 0
ISHARES TR CORE US AGGBD ET 464287226 25,333 214,579 SH   SOLE   214,579 0 0
ISHARES TR MSCI EMERG MKT 464287234 219 4,961 SH   SOLE   4,961 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 29,886 302,342 SH   SOLE   302,342 0 0
ISHARES TR GL TIMB FORE ETF 464288174 138 2,134 SH   SOLE   2,134 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 16,062 80,183 SH   SOLE   80,183 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 17,234 53,780 SH   SOLE   53,780 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 13,954 106,511 SH   SOLE   106,511 0 0
ISHARES TR MRGSTR SM CP GR 464288604 5,406 22,755 SH   SOLE   22,755 0 0
ISHARES TR MRNING SM CP ETF 464288703 5,165 48,689 SH   SOLE   48,689 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 104 4,800 SH   SOLE   4,800 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 789 15,537 SH   SOLE   15,537 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304 229 2,618 SH   SOLE   2,618 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 6,266 35,377 SH   SOLE   35,377 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 33,696 417,912 SH   SOLE   417,912 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,491 95,015 SH   SOLE   95,015 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 60,964 1,941,519 SH   SOLE   1,941,519 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,943 195,128 SH   SOLE   195,128 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 48,964 1,384,351 SH   SOLE   1,384,351 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 16,223 263,229 SH   SOLE   263,229 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 239 3,754 SH   SOLE   3,754 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 64 2,148 SH   SOLE   2,148 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 187 4,775 SH   SOLE   4,775 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,346 204,059 SH   SOLE   204,059 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 33,184 767,444 SH   SOLE   767,444 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 301 2,329 SH   SOLE   2,329 0 0