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
ABBVIE INC COM 00287Y109 498 8,055 SH   SOLE   0 0 8,055
ALPS ETF TR ALERIAN MLP 00162Q866 518 40,721 SH   SOLE   0 0 40,721
ALTRIA GROUP INC COM 02209S103 1,054 15,290 SH   SOLE   0 0 15,290
AMAZON COM INC COM 023135106 210 293 SH   SOLE   0 0 293
APPLE INC COM 037833100 2,687 28,108 SH   SOLE   0 0 28,108
AT&T INC COM 00206R102 1,061 24,536 SH   SOLE   0 0 24,536
BANK AMER CORP COM 060505104 299 250 SH   SOLE   0 0 250
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 498 20,123 SH   SOLE   0 0 20,123
BARRETT BILL CORP COM 06846N104 225 35,228 SH   SOLE   0 0 35,228
BECTON DICKINSON & CO COM 075887109 339 2,000 SH   SOLE   0 0 2,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 651 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,056 34,923 SH   SOLE   0 0 34,923
BRISTOL MYERS SQUIBB CO COM 110122108 427 5,811 SH   SOLE   0 0 5,811
CATERPILLAR INC DEL COM 149123101 206 2,723 SH   SOLE   0 0 2,723
COBIZ FINANCIAL INC COM 190897108 303 25,937 SH   SOLE   0 0 25,937
COCA COLA CO COM 191216100 1,018 22,455 SH   SOLE   0 0 22,455
CREDIT SUISSE NASSAU BRH X LINK CUSH MLP 22542D852 497 23,361 SH   SOLE   0 0 23,361
CULLEN FROST BANKERS INC COM 229899109 2,420 37,965 SH   SOLE   0 0 37,965
DBX ETF TR XTRAK MSCI EAFE 233051200 47,117 1,885,420 SH   SOLE   0 0 1,885,420
ENTERPRISE PRODS PARTNERS L COM 293792107 639 21,840 SH   SOLE   0 0 21,840
EXPRESS SCRIPTS HLDG CO COM 30219G108 513 6,774 SH   SOLE   0 0 6,774
EXXON MOBIL CORP COM 30231G102 958 10,221 SH   SOLE   0 0 10,221
GENERAL ELECTRIC CO COM 369604103 592 18,794 SH   SOLE   0 0 18,794
GENERAL MLS INC COM 370334104 261 3,659 SH   SOLE   0 0 3,659
HARTFORD FINL SVCS GROUP INC COM 416515104 1,331 30,000 SH   SOLE   0 0 30,000
HOME DEPOT INC COM 437076102 231 1,807 SH   SOLE   0 0 1,807
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 2,185 74,925 SH   SOLE   0 0 74,925
INTEL CORP COM 458140100 857 26,103 SH   SOLE   0 0 26,103
INTERNATIONAL BUSINESS MACHS COM 459200101 348 2,290 SH   SOLE   0 0 2,290
ISHARES MIN VOL GBL ETF 464286525 607 7,954 SH   SOLE   0 0 7,954
ISHARES INC CORE MSCI EMKT 46434G103 36,836 880,394 SH   SOLE   0 0 880,394
ISHARES TR SELECT DIVID ETF 464287168 277 3,248 SH   SOLE   0 0 3,248
ISHARES TR TIPS BD ETF 464287176 764 6,556 SH   SOLE   0 0 6,556
ISHARES TR CORE S&P500 ETF 464287200 55,194 262,207 SH   SOLE   0 0 262,207
ISHARES TR CORE US AGGBD ET 464287226 452 4,018 SH   SOLE   0 0 4,018
ISHARES TR MSCI EMG MKT ETF 464287234 4,608 134,103 SH   SOLE   0 0 134,103
ISHARES TR S&P 500 VAL ETF 464287408 384 4,132 SH   SOLE   0 0 4,132
ISHARES TR 1-3 YR TR BD ETF 464287457 495 5,802 SH   SOLE   0 0 5,802
ISHARES TR MSCI EAFE ETF 464287465 17,884 320,390 SH   SOLE   0 0 320,390
ISHARES TR RUS MDCP VAL ETF 464287473 1,264 17,016 SH   SOLE   0 0 17,016
ISHARES TR CORE S&P MCP ETF 464287507 375 2,509 SH   SOLE   0 0 2,509
ISHARES TR S&P MC 400GR ETF 464287606 408 2,413 SH   SOLE   0 0 2,413
ISHARES TR RUS 1000 GRW ETF 464287614 478 4,760 SH   SOLE   0 0 4,760
ISHARES TR RUS 1000 ETF 464287622 39,526 338,144 SH   SOLE   0 0 338,144
ISHARES TR RUS 2000 VAL ETF 464287630 316 3,253 SH   SOLE   0 0 3,253
ISHARES TR RUSSELL 2000 ETF 464287655 7,271 63,233 SH   SOLE   0 0 63,233
ISHARES TR U.S. REAL ES ETF 464287739 2,168 26,313 SH   SOLE   0 0 26,313
ISHARES TR CORE S&P SCP ETF 464287804 1,323 11,385 SH   SOLE   0 0 11,385
ISHARES TR EUROPE ETF 464287861 235 6,215 SH   SOLE   0 0 6,215
ISHARES TR EAFE SML CP ETF 464288273 3,462 71,755 SH   SOLE   0 0 71,755
ISHARES TR INTL DEVPPTY ETF 464288422 3,863 105,102 SH   SOLE   0 0 105,102
ISHARES TR IBOXX HI YD ETF 464288513 700 8,270 SH   SOLE   0 0 8,270
ISHARES TR RESID RL EST CAP 464288562 1,507 22,331 SH   SOLE   0 0 22,331
ISHARES TR MBS ETF 464288588 265 2,413 SH   SOLE   0 0 2,413
ISHARES TR 1-3 YR CR BD ETF 464288646 330 3,112 SH   SOLE   0 0 3,112
ISHARES TR 3-7 YR TR BD ETF 464288661 412 3,232 SH   SOLE   0 0 3,232
ISHARES TR MICRO-CAP ETF 464288869 10,454 147,825 SH   SOLE   0 0 147,825
ISHARES TR EAFE VALUE ETF 464288877 219 5,090 SH   SOLE   0 0 5,090
ISHARES TR FLTG RATE BD ETF 46429B655 1,703 33,650 SH   SOLE   0 0 33,650
ISHARES TR MIN VOL EAFE ETF 46429B689 921 13,876 SH   SOLE   0 0 13,876
ISHARES TR USA QUALITY FCTR 46432F339 85,207 1,291,006 SH   SOLE   0 0 1,291,006
ISHARES TR USA MOMENTUM FCT 46432F396 686 8,974 SH   SOLE   0 0 8,974
ISHARES TR CORE MSCI EAFE 46432F842 568 10,947 SH   SOLE   0 0 10,947
ISHARES TR HDG MSCI EAFE 46434V803 19,416 809,657 SH   SOLE   0 0 809,657
JOHNSON & JOHNSON COM 478160104 2,300 18,966 SH   SOLE   0 0 18,966
JPMORGAN CHASE & CO COM 46625H100 973 15,669 SH   SOLE   0 0 15,669
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 246 7,740 SH   SOLE   0 0 7,740
KIMBERLY CLARK CORP COM 494368103 338 2,460 SH   SOLE   0 0 2,460
KRAFT HEINZ CO COM 500754106 297 3,352 SH   SOLE   0 0 3,352
LEVEL 3 COMMUNICATIONS INC COM NEW 52729N308 296 5,752 SH   SOLE   0 0 5,752
LIBERTY GLOBAL PLC SHS CL C G5480U120 272 9,482 SH   SOLE   0 0 9,482
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 247 3,246 SH   SOLE   0 0 3,246
MCKESSON CORP COM 58155Q103 294 1,574 SH   SOLE   0 0 1,574
MERCK & CO INC COM 58933Y105 581 10,084 SH   SOLE   0 0 10,084
MICROSOFT CORP COM 594918104 1,400 27,361 SH   SOLE   0 0 27,361
NORTHROP GRUMMAN CORP COM 666807102 241 1,084 SH   SOLE   0 0 1,084
PEPSICO INC COM 713448108 208 1,966 SH   SOLE   0 0 1,966
PFIZER INC COM 717081103 1,054 29,946 SH   SOLE   0 0 29,946
PIEDMONT OFFICE REALTY TR IN COM CL A 720190206 273 12,673 SH   SOLE   0 0 12,673
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,662 26,315 SH   SOLE   0 0 26,315
PLAINS GP HLDGS L P SHS A REP LTPN 72651A108 150 14,413 SH   SOLE   0 0 14,413
POWERSHARES ETF TR II PWRSHS SP500 LOW 73937B654 999 26,130 SH   SOLE   0 0 26,130
POWERSHARES ETF TR II EM MRK LOW VOL 73937B662 238 10,763 SH   SOLE   0 0 10,763
POWERSHARES ETF TR II INTL DEV LOWVL 73937B688 520 17,392 SH   SOLE   0 0 17,392
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 4,745 110,921 SH   SOLE   0 0 110,921
POWERSHARES ETF TRUST DWA MOMENTUM PTF 73935X153 290 6,877 SH   SOLE   0 0 6,877
PROCTER & GAMBLE CO COM 742718109 643 7,598 SH   SOLE   0 0 7,598
PROSHARES TR INVT INT RT HG 74347B607 203 2,810 SH   SOLE   0 0 2,810
PRUDENTIAL FINL INC COM 744320102 226 3,168 SH   SOLE   0 0 3,168
RESOLUTE FST PRODS INC COM 76117W109 60 11,329 SH   SOLE   0 0 11,329
SCHLUMBERGER LTD COM 806857108 252 3,191 SH   SOLE   0 0 3,191
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,182 84,027 SH   SOLE   0 0 84,027
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 587 13,961 SH   SOLE   0 0 13,961
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 806 14,919 SH   SOLE   0 0 14,919
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 706 33,181 SH   SOLE   0 0 33,181
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 855 20,636 SH   SOLE   0 0 20,636
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,004 37,032 SH   SOLE   0 0 37,032
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 348 6,476 SH   SOLE   0 0 6,476
SCHWAB STRATEGIC TR US REIT ETF 808524847 447 10,288 SH   SOLE   0 0 10,288
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,087 40,960 SH   SOLE   0 0 40,960
SCHWAB STRATEGIC TR US TIPS ETF 808524870 533 9,442 SH   SOLE   0 0 9,442
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 523 18,168 SH   SOLE   0 0 18,168
SPDR GOLD TRUST GOLD SHS 78463V107 747 5,903 SH   SOLE   0 0 5,903
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 29,926 721,953 SH   SOLE   0 0 721,953
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,013 4,835 SH   SOLE   0 0 4,835
SPDR SER TR NUVN BR SHT MUNI 78468R739 1,208 24,612 SH   SOLE   0 0 24,612
SPX CORP COM 784635104 170 11,447 SH   SOLE   0 0 11,447
SPX FLOW INC COM 78469X107 260 9,974 SH   SOLE   0 0 9,974
SUNCOR ENERGY INC NEW COM 867224107 245 8,839 SH   SOLE   0 0 8,839
TEXTRON INC COM 883203101 256 7,000 SH   SOLE   0 0 7,000
THERMON GROUP HLDGS INC COM 88362T103 417 21,729 SH   SOLE   0 0 21,729
TORO CO COM 891092108 3,528 40,000 SH   SOLE   0 0 40,000
UNION PAC CORP COM 907818108 47,447 543,808 SH   SOLE   0 0 543,808
US BANCORP DEL COM NEW 902973304 501 12,434 SH   SOLE   0 0 12,434
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 410 5,060 SH   SOLE   0 0 5,060
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 717 8,505 SH   SOLE   0 0 8,505
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 650 11,666 SH   SOLE   0 0 11,666
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 30,890 160,718 SH   SOLE   0 0 160,718
VANGUARD INDEX FDS REIT ETF 922908553 42,490 479,197 SH   SOLE   0 0 479,197
VANGUARD INDEX FDS SM CP VAL ETF 922908611 272 2,583 SH   SOLE   0 0 2,583
VANGUARD INDEX FDS SMALL CP ETF 922908751 16,073 138,948 SH   SOLE   0 0 138,948
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,593 17,117 SH   SOLE   0 0 17,117
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,568 271,594 SH   SOLE   0 0 271,594
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 285 5,122 SH   SOLE   0 0 5,122
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 202 4,335 SH   SOLE   0 0 4,335
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 29,422 832,084 SH   SOLE   0 0 832,084
VANGUARD WORLD FDS ENERGY ETF 92204A306 224 2,354 SH   SOLE   0 0 2,354
VERIZON COMMUNICATIONS INC COM 92343V104 649 11,619 SH   SOLE   0 0 11,619
WELLS FARGO & CO NEW COM 949746101 1,432 20,995 SH   SOLE   0 0 20,995
WEYERHAEUSER CO COM 962166104 529 17,760 SH   SOLE   0 0 17,760
WISDOMTREE TR TOTAL DIVID FD 97717W109 255 3,323 SH   SOLE   0 0 3,323
WISDOMTREE TR MDCP EARN FUND 97717W570 239 2,620 SH   SOLE   0 0 2,620
WISDOMTREE TR SMALLCAP DIVID 97717W604 790 11,020 SH   SOLE   0 0 11,020
XCEL ENERGY INC COM 98389B100 583 13,029 SH   SOLE   0 0 13,029