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
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 3,833 120,490 SH   SOLE 0 120,490 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 2,297 40,191 SH   SOLE 0 40,191 0 0
POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 580 37,784 SH   SOLE 0 0 0 37,784
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 3,575 144,573 SH   SOLE 0 144,573 0 0
ISHARES IBOXX HI YD ETF 464288513 3,563 42,061 SH   SOLE 0 42,061 0 0
ISHARES IBOXX INV CP ETF 464287242 342 2,785 SH   SOLE 0 7 0 2,778
POWERSHARES GLOBAL ETF TRUST I-30 LAD TREAS 73936T524 2,090 70,669 SH   SOLE 0 67,733 0 2,936
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 3,586 86,518 SH   SOLE 0 86,518 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,963 147,378 SH   SOLE 0 140,415 0 6,963
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,515 122,080 SH   SOLE 0 122,080 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,684 360,917 SH   SOLE 0 342,672 0 18,245
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 296 10,931 SH   SOLE 0 10,931 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,536 67,399 SH   SOLE 0 67,399 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,685 84,828 SH   SOLE 0 84,828 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 868 15,376 SH   SOLE 0 12,468 0 2,908
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,058 157,573 SH   SOLE 0 157,573 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,430 26,618 SH   SOLE 0 26,618 0 0
UNITED STATES OIL FUND LP UNITS 91232N108 4,060 350,908 SH   SOLE 0 350,908 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,145 153,133 SH   SOLE 0 141,484 0 11,649
VANGUARD INDEX FDS REIT ETF 922908553 402 4,531 SH   SOLE 0 0 0 4,531
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 7,723 138,577 SH   SOLE 0 128,417 0 10,160
VANGUARD INDEX FDS VALUE ETF 922908744 378 4,453 SH   SOLE 0 0 0 4,453
VANGUARD INDEX FDS GROWTH ETF 922908736 373 3,480 SH   SOLE 0 0 0 3,480
WASHINGTONFIRST BANKSHARES I COM 940730104 646 29,903 SH   SOLE 0 29,903 0 0
EGA EMERGING GLOBAL SHS TR EGSHS EM EX-CH 26846L304 6,815 310,496 SH   SOLE 0 310,496 0 0
EXXON MOBIL CORP COM 30231G102 243 2,597 SH   SOLE 0 2,597 0 0
CREDIT SUISSE NASSAU BRH INVRS VIX MDTERM 22542D829 3,431 88,611 SH   SOLE 0 88,611 0 0