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			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>ALERIAN ML ETN</titleOfClass>
			<cusip>46625H365</cusip>
			<value>3899</value>
			<shrsOrPrnAmt>
				<sshPrnamt>91097</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>91097</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>BRCLYS INTL ETF</titleOfClass>
			<cusip>78464A516</cusip>
			<value>2138</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40254</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>40254</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES DB CMDTY IDX TRA</nameOfIssuer>
			<titleOfClass>UNIT BEN INT</titleOfClass>
			<cusip>73935S105</cusip>
			<value>374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21924</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>21924</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARCLAYS BK PLC</nameOfIssuer>
			<titleOfClass>DJUBS CMDT ETN36</titleOfClass>
			<cusip>06738C778</cusip>
			<value>3881</value>
			<shrsOrPrnAmt>
				<sshPrnamt>139941</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>139941</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>IBOXX HI YD ETF</titleOfClass>
			<cusip>464288513</cusip>
			<value>3681</value>
			<shrsOrPrnAmt>
				<sshPrnamt>40625</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>40625</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>IBOXX INV CP ETF</titleOfClass>
			<cusip>464287242</cusip>
			<value>299</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2458</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>7</Sole>
				<Shared>0</Shared>
				<None>2451</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>POWERSHARES GLOBAL ETF TRUST</nameOfIssuer>
			<titleOfClass>I-30 LAD TREAS</titleOfClass>
			<cusip>73936T524</cusip>
			<value>2113</value>
			<shrsOrPrnAmt>
				<sshPrnamt>74354</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>71824</Sole>
				<Shared>0</Shared>
				<None>2530</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
			<titleOfClass>DJ INTL RL ETF</titleOfClass>
			<cusip>78463X863</cusip>
			<value>4306</value>
			<shrsOrPrnAmt>
				<sshPrnamt>99392</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>99392</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US SML CAP ETF</titleOfClass>
			<cusip>808524607</cusip>
			<value>9590</value>
			<shrsOrPrnAmt>
				<sshPrnamt>166546</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>160291</Sole>
				<Shared>0</Shared>
				<None>6255</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>INTL SCEQT ETF</titleOfClass>
			<cusip>808524888</cusip>
			<value>4102</value>
			<shrsOrPrnAmt>
				<sshPrnamt>136011</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>136011</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
			<cusip>808524706</cusip>
			<value>8913</value>
			<shrsOrPrnAmt>
				<sshPrnamt>365889</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>353261</Sole>
				<Shared>0</Shared>
				<None>12628</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP GR ETF</titleOfClass>
			<cusip>808524300</cusip>
			<value>7110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>131983</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>131983</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US REIT ETF</titleOfClass>
			<cusip>808524847</cusip>
			<value>8682</value>
			<shrsOrPrnAmt>
				<sshPrnamt>214117</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>214117</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US TIPS ETF</titleOfClass>
			<cusip>808524870</cusip>
			<value>798</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14537</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>11923</Sole>
				<Shared>0</Shared>
				<None>2614</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP VA ETF</titleOfClass>
			<cusip>808524409</cusip>
			<value>6449</value>
			<shrsOrPrnAmt>
				<sshPrnamt>149036</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>149036</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US AGGREGATE B</titleOfClass>
			<cusip>808524839</cusip>
			<value>1254</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23709</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>23709</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>PROSHARES TR</nameOfIssuer>
			<titleOfClass>ULT FTSE EUROPE</titleOfClass>
			<cusip>74347X526</cusip>
			<value>8090</value>
			<shrsOrPrnAmt>
				<sshPrnamt>174096</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>174096</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EUROPE ETF</titleOfClass>
			<cusip>922042874</cusip>
			<value>9061</value>
			<shrsOrPrnAmt>
				<sshPrnamt>167173</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>158290</Sole>
				<Shared>0</Shared>
				<None>8883</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REIT ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>546</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6532</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>6532</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE PACIFIC ETF</titleOfClass>
			<cusip>922042866</cusip>
			<value>9413</value>
			<shrsOrPrnAmt>
				<sshPrnamt>153617</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>145731</Sole>
				<Shared>0</Shared>
				<None>7886</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>VALUE ETF</titleOfClass>
			<cusip>922908744</cusip>
			<value>379</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3557</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3557</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>GROWTH ETF</titleOfClass>
			<cusip>922908736</cusip>
			<value>358</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3428</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3428</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>WASHINGTONFIRST BANKSHARES I</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>940730104</cusip>
			<value>502</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29551</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>29551</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>30231G102</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2574</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2574</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>CREDIT SUISSE NASSAU BRH</nameOfIssuer>
			<titleOfClass>INVRS VIX STERM</titleOfClass>
			<cusip>22542D795</cusip>
			<value>4234</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100614</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>100614</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
