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
Credit Suisse Etn COM 22542D571 0 40 SH   SOLE   0 0 0
iShares MSCI ACWI Index COM 464288257 276 4,936 SH   SOLE   276 0 0
iShares Tr Lehman Bd Fd COM 464287226 1,549 14,341 SH   SOLE   1,549 0 0
Vanguard Bond Index Fund COM 921937827 41 516 SH   SOLE   41 0 0
Ishares TRUST Dow Jones COM 464287168 107 1,425 SH   SOLE   107 0 0
iShares MSCI Emerging Markets Index COM 464287234 5,345 166,042 SH   SOLE   5,345 0 0
iShares MSCI EAFE Index COM 464287465 62,059 1,056,868 SH   SOLE   62,059 0 0
Ishares Msci Israel Inx COM 464286632 52 1,053 SH   SOLE   52 0 0
Streettracks Gold TRUST COM 863307104 1,304 12,850 SH   SOLE   1,304 0 0
Ishares S&P Gsci Cmdty COM 46428R107 1 100 SH   SOLE   1 0 0
iShares International Small COM 78463X871 156 5,530 SH   SOLE   156 0 0
Ishares Tr Cohen & Steer COM 449243104 37 375 SH   SOLE   37 0 0
iShares FTSE Small Cap Ex-Nrth Amer COM 464288497 3 58 SH   SOLE   3 0 0
Ishares S&P North Am Fd COM 464287374 745 26,489 SH   SOLE   745 0 0
Ishares US COM 464288836 16 100 SH   SOLE   16 0 0
iShares S&P MidCap 400 Index COM 464287507 137 984 SH   SOLE   137 0 0
iShares S&P Midcap Value COM 464287705 83 709 SH   SOLE   83 0 0
iShares S&P MidCap 400 - Barra Growth COM 464287606 38,521 239,320 SH   SOLE   38,521 0 0
iShares Core S&P Small Cap ETF COM 464287804 24 217 SH   SOLE   24 0 0
Ishares S&P Smallcap COM 464287879 33 306 SH   SOLE   33 0 0
Ishares S&P Glbl Indx Fd COM 464287572 19 257 SH   SOLE   19 0 0
iShares Tr S&P 500 Value COM 464287408 578 6,532 SH   SOLE   578 0 0
iShares S&P 500 Index COM 464287200 551 2,692 SH   SOLE   551 0 0
iShares Russell 1000 Index COM 434287622 15 130 SH   SOLE   15 0 0
iShares Russell 1000 Value COM 464287598 2,354 24,053 SH   SOLE   2,354 0 0
iShares Russell 1000 Growth COM 464287614 3,464 34,823 SH   SOLE   3,464 0 0
iShares Russell 2000 COM 464287655 21,599 191,785 SH   SOLE   21,599 0 0
iShares Russell 2000 Value COM 464287630 815 8,861 SH   SOLE   815 0 0
iShares Russell 2000 Growth COM 464287648 1,035 7,430 SH   SOLE   1,035 0 0
iShares Russell Mid Cap Growth COM 464287481 1,364 14,836 SH   SOLE   1,364 0 0
iShares Russell Midcap COM 464287499 63 394 SH   SOLE   63 0 0
iShares Russell Midcap Value COM 464287473 270 3,931 SH   SOLE   270 0 0
Ishares Russell 3000 Index COM 464287689 614 5,101 SH   SOLE   614 0 0
Ishares Tr Gs Investop COM 464287242 162 1,424 SH   SOLE   162 0 0
S & P Mid Cap 400 Dep Rcpts Mid Cap COM 78467Y107 136 537 SH   SOLE   136 0 0
Ubs Ag Jersey 2040f COM 902641646 39 1,500 SH   SOLE   39 0 0
iShares S&P National Muni Bond COM 464288414 754 6,809 SH   SOLE   754 0 0
Nasdaq 100 Shares COM 631100104 95 850 SH   SOLE   95 0 0
First Tr Nasdaq 100 Fund COM 337345102 8 186 SH   SOLE   8 0 0
DJ Wilshire REIT ETF COM 78464A607 1,031 11,253 SH   SOLE   1,031 0 0
iShares International REIT COM 78463X863 3,810 97,399 SH   SOLE   3,810 0 0
Schwab US Small Cap ETF COM 808524607 86 1,643 SH   SOLE   86 0 0
Schwab US Broad Market ETF COM 808524102 11 225 SH   SOLE   11 0 0
Schwab Intl Small Cap ETF COM 808524888 54 1,864 SH   SOLE   54 0 0
Sch US Div Equity Etf COM 808524797 55 1,437 SH   SOLE   55 0 0
Schwab Emerging Markets Equity ETF COM 808524706 1 72 SH   SOLE   1 0 0
Schwab FTSE Dev Internationanl COM 808524805 149 5,391 SH   SOLE   149 0 0
Schwab US Large Cap Growth ETF COM 808524300 295 5,587 SH   SOLE   295 0 0
Schwab US REIT ETF COM 808524847 55 1,395 SH   SOLE   55 0 0
Schwab US Mid-Cap ETF COM 808524508 58 1,455 SH   SOLE   58 0 0
Schwab US TIPS ETF COM 808524870 11 200 SH   SOLE   11 0 0
Schwab Intm US Trsr ETF COM 808524854 14 253 SH   SOLE   14 0 0
Schwab US Large Cap Value ETF COM 808524409 264 6,220 SH   SOLE   264 0 0
Schwab US Large Cap ETF COM 808524201 128 2,640 SH   SOLE   128 0 0
Spider Barclays Short Term COM 78464A474 172 5,655 SH   SOLE   172 0 0
iShares MSCI EAFE Small Cap COM 464288273 1,068 21,375 SH   SOLE   1,068 0 0
Proshs Ultrashrt S&P COM 74347R883 0 18 SH   SOLE   0 0 0
Spdr S&P 600 Small Cap COM 78464A813 31 315 SH   SOLE   31 0 0
SPDR DJ Small Cap Growth COM 78464A201 30,959 179,474 SH   SOLE   30,959 0 0
SPDR S&P 600 Small Cap Value ETF COM 78464A300 36 384 SH   SOLE   36 0 0
SPDR Trust - S&P 500 Index COM 78462F103 438 2,150 SH   SOLE   438 0 0
SPDR DJ Wilshire Large Cap Growth COM 78464A409 93,331 931,730 SH   SOLE   93,331 0 0
SPDR S&P 500 Value ETF COM 78464A508 41 427 SH   SOLE   41 0 0
iShares S&P Short Term Muni Fund COM 464288158 1,753 16,549 SH   SOLE   1,753 0 0
Proshs Ultrashort Lehman COM 74347R297 3 75 SH   SOLE   3 0 0
Ishares Tr Lehman Tips COM 464287176 1,196 10,902 SH   SOLE   1,196 0 0
Proshs Ultra Financials COM 74347R743 220 3,102 SH   SOLE   220 0 0
Vanguard Small Cap ETf COM 922908751 1,446 13,074 SH   SOLE   1,446 0 0
Vanguard Corp Bond Etf COM 92206C870 4,222 50,205 SH   SOLE   4,222 0 0
Vanguard Energy ETF COM 92204A306 21 250 SH   SOLE   21 0 0
Vanguard Intl Eqty Index COM 922042775 97 2,244 SH   SOLE   97 0 0
Vanguard Div Apprciation COM 921908844 2,141 27,533 SH   SOLE   2,141 0 0
Vanguard Reit COM 922908553 587 7,366 SH   SOLE   587 0 0
Vanguard Utilities ETF COM 92204A876 73 780 SH   SOLE   73 0 0
Vanguard Total Stock Mkt COM 922908769 5,027 48,194 SH   SOLE   5,027 0 0
Rydex Etf TRUST COM 78355W205 62 432 SH   SOLE   62 0 0