<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>ALERIAN ML ETN</titleOfClass>
			<cusip>46625H365</cusip>
			<value>1878</value>
			<shrsOrPrnAmt>
				<sshPrnamt>84151</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>84151</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALPS ETF TR</nameOfIssuer>
			<titleOfClass>ALERIAN MLP</titleOfClass>
			<cusip>00162Q866</cusip>
			<value>1406</value>
			<shrsOrPrnAmt>
				<sshPrnamt>161059</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>161059</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>BRCLYS INTL ETF</titleOfClass>
			<cusip>78464A516</cusip>
			<value>2558</value>
			<shrsOrPrnAmt>
				<sshPrnamt>92640</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>92640</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BARCLAYS BK PLC</nameOfIssuer>
			<titleOfClass>DJUBS CMDT ETN36</titleOfClass>
			<cusip>06738C778</cusip>
			<value>5194</value>
			<shrsOrPrnAmt>
				<sshPrnamt>244772</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>244772</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>JPMORGAN USD EMG</titleOfClass>
			<cusip>464288281</cusip>
			<value>412</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3961</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3961</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES INC</nameOfIssuer>
			<titleOfClass>MSCI EUROZONE ETF</titleOfClass>
			<cusip>464286608</cusip>
			<value>2027</value>
			<shrsOrPrnAmt>
				<sshPrnamt>57824</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>57824</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>IBOXX HI YD ETF</titleOfClass>
			<cusip>464288513</cusip>
			<value>3340</value>
			<shrsOrPrnAmt>
				<sshPrnamt>41184</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>41184</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE MSCI PAC</titleOfClass>
			<cusip>46434V696</cusip>
			<value>803</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15865</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>15865</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>RUS 1000 GRW ETF</titleOfClass>
			<cusip>464287614</cusip>
			<value>1268</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9689</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9689</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD TR</nameOfIssuer>
			<titleOfClass>EMRING MKT SVRG</titleOfClass>
			<cusip>46138E784</cusip>
			<value>1778</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67290</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>67290</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD TR</nameOfIssuer>
			<titleOfClass>FNDMNTHL HY CRP</titleOfClass>
			<cusip>76138E719</cusip>
			<value>689</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38983</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>38983</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SWEDISH EXPT CR CORP</nameOfIssuer>
			<titleOfClass>ROG TTL ETN 22</titleOfClass>
			<cusip>870297801</cusip>
			<value>1922</value>
			<shrsOrPrnAmt>
				<sshPrnamt>393025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>393025</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>2940</value>
			<shrsOrPrnAmt>
				<sshPrnamt>48456</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>48456</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>INTL SCEQT ETF</titleOfClass>
			<cusip>808524888</cusip>
			<value>2988</value>
			<shrsOrPrnAmt>
				<sshPrnamt>102680</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>102680</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
			<cusip>808524706</cusip>
			<value>19226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>817105</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>817105</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>INTL EQTY ETF</titleOfClass>
			<cusip>808524805</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9383</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>9383</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP GR ETF</titleOfClass>
			<cusip>808524300</cusip>
			<value>2311</value>
			<shrsOrPrnAmt>
				<sshPrnamt>33522</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>33522</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US REIT ETF</titleOfClass>
			<cusip>808524847</cusip>
			<value>2775</value>
			<shrsOrPrnAmt>
				<sshPrnamt>72068</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>72068</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US TIPS ETF</titleOfClass>
			<cusip>808524870</cusip>
			<value>905</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17004</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>17004</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP VA ETF</titleOfClass>
			<cusip>808524409</cusip>
			<value>7141</value>
			<shrsOrPrnAmt>
				<sshPrnamt>144873</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>144873</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US AGGREGATE B</titleOfClass>
			<cusip>808524839</cusip>
			<value>1660</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32806</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>32806</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>EAFE SML CP ETF</titleOfClass>
			<cusip>464288273</cusip>
			<value>408</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7878</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>7878</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SMALL CP ETF</titleOfClass>
			<cusip>922908751</cusip>
			<value>387</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2935</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>2935</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>4898</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100738</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>100738</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REIT ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>1067</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14306</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>14306</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE PACIFIC ETF</titleOfClass>
			<cusip>922042866</cusip>
			<value>6309</value>
			<shrsOrPrnAmt>
				<sshPrnamt>104060</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>104060</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>VALUE ETF</titleOfClass>
			<cusip>922908744</cusip>
			<value>309</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3157</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>3157</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>3240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>85033</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>SOLE</investmentDiscretion>
			<otherManager>0</otherManager>
			<votingAuthority>
				<Sole>85033</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
</informationTable>
