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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,008 334,759 SH   SOLE 0 0 0 334,759
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 3,626 63,845 SH   SOLE 0 0 0 63,845
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,627 39,564 SH   SOLE 0 0 0 39,564
ISHARES TR MIN VOL USA ETF 46429B697 1,360 27,013 SH   SOLE 0 0 0 27,013
AMAZON COM INC COM 023135106 227 236 SH   SOLE 0 0 0 236
VANGUARD WORLD FDS UTILITIES ETF 92204A876 3,144 26,920 SH   SOLE 0 0 0 26,920
APPLE INC COM 037833100 563 3,656 SH   SOLE 0 0 0 3,656
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 3,591 26,748 SH   SOLE 0 0 0 26,748
PIMCO ETF TR INV GRD CRP BD 72201R817 1,250 11,859 SH   SOLE 0 0 0 11,859
ORACLE CORP COM 68389X105 1,149 23,763 SH   SOLE 0 0 0 23,763
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,385 44,241 SH   SOLE 0 0 0 44,241
NEURODERM LTD ORD SHS M74231107 888 22,833 SH   SOLE 0 0 0 22,833
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 3,614 55,291 SH   SOLE 0 0 0 55,291
SPDR SERIES TRUST S&P BK ETF 78464A797 275 6,104 SH   SOLE 0 0 0 6,104
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 12,003 181,669 SH   SOLE 0 0 0 181,669
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 12,374 97,911 SH   SOLE 0 0 0 97,911
SPDR SER TR NUVEEN BRC MUNIC 78468R721 2,278 46,572 SH   SOLE 0 0 0 46,572
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 11,350 49,805 SH   SOLE 0 0 0 49,805
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,760 291,600 SH   SOLE 0 0 0 291,600
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,302 21,681 SH   SOLE 0 0 0 21,681
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 274 4,642 SH   SOLE 0 0 0 4,642
FACEBOOK INC CL A 30303M102 425 2,487 SH   SOLE 0 0 0 2,487
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,464 62,685 SH   SOLE 0 0 0 62,685
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 293 5,629 SH   SOLE 0 0 0 5,629
MICROSOFT CORP COM 594918104 298 3,997 SH   SOLE 0 0 0 3,997
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,623 23,838 SH   SOLE 0 0 0 23,838
ISHARES TR CORE 1 5 YR USD 46432F859 307 6,098 SH   SOLE 0 0 0 6,098
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 7,733 153,441 SH   SOLE 0 0 0 153,441
POWERSHARES ETF TR II PFD PORTFOLIO 73936T565 966 64,267 SH   SOLE 0 0 0 64,267
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,897 34,752 SH   SOLE 0 0 0 34,752
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 10,879 209,942 SH   SOLE 0 0 0 209,942
JOHNSON & JOHNSON COM 478160104 311 2,391 SH   SOLE 0 0 0 2,391