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			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
			<titleOfClass>ALERIAN ML ETN</titleOfClass>
			<cusip>46625H365</cusip>
			<value>12367</value>
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		<infoTable>
			<nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
			<titleOfClass>BRCLYS INTL ETF</titleOfClass>
			<cusip>78464A516</cusip>
			<value>2815</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100932</sshPrnamt>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BARCLAYS BK PLC</nameOfIssuer>
			<titleOfClass>DJUBS CMDT ETN36</titleOfClass>
			<cusip>06738C778</cusip>
			<value>4232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>186782</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ISHARES</nameOfIssuer>
			<titleOfClass>IBOXX HI YD ETF</titleOfClass>
			<cusip>464288513</cusip>
			<value>4400</value>
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				<sshPrnamt>50884</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>50884</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD TR</nameOfIssuer>
			<titleOfClass>EMRING MKT SVRG</titleOfClass>
			<cusip>46138E784</cusip>
			<value>2393</value>
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				<sshPrnamt>85466</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US SML CAP ETF</titleOfClass>
			<cusip>808524607</cusip>
			<value>4062</value>
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				<sshPrnamt>58093</sshPrnamt>
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			<investmentDiscretion>SOLE</investmentDiscretion>
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				<Sole>58093</Sole>
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		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
			<cusip>808524706</cusip>
			<value>25717</value>
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		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>INTL EQTY ETF</titleOfClass>
			<cusip>808524805</cusip>
			<value>280</value>
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				<sshPrnamt>8957</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP GR ETF</titleOfClass>
			<cusip>808524300</cusip>
			<value>4331</value>
			<shrsOrPrnAmt>
				<sshPrnamt>54521</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US TIPS ETF</titleOfClass>
			<cusip>808524870</cusip>
			<value>943</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17148</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP VA ETF</titleOfClass>
			<cusip>808524409</cusip>
			<value>12638</value>
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				<sshPrnamt>230873</sshPrnamt>
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			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US AGGREGATE B</titleOfClass>
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			<value>1851</value>
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		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EUROPE ETF</titleOfClass>
			<cusip>922042874</cusip>
			<value>8203</value>
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		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE PACIFIC ETF</titleOfClass>
			<cusip>922042866</cusip>
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		<infoTable>
			<nameOfIssuer>CREDIT SUISSE NASSAU BRH</nameOfIssuer>
			<titleOfClass>INVRS VIX MDTERM</titleOfClass>
			<cusip>22542D829</cusip>
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</informationTable>
