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
E Tracs Alerian MLP Infrastruc COM 902641646 13,500 558,098 SH   SOLE   0 0 558,098
JP Morgan Alerian MLP Index ET COM 46625h365 4,628 168,480 SH   SOLE   0 0 168,480
Nuveen Real Estate Income Fund COM 67071B108 158 14,028 SH   SOLE   0 0 14,028
SPDR DJ Wilshire International COM 78463x863 1,178 29,099 SH   SOLE   0 0 29,099
SPDR Financial Select Sector E COM 81369Y605 243 8,721 SH   SOLE   0 0 8,721
SPDR S&P 500 ETF Trust COM 78462F103 74,994 281,025 SH   SOLE   0 0 281,025
SPDR S&P International Small C COM 78463x871 225 6,329 SH   SOLE   0 0 6,329
SPDR S&P MidCap 400 ETF Trust COM 78467y107 3,057 8,850 SH   SOLE   0 0 8,850
Schwab Emerging Markets COM 808524706 10,926 391,047 SH   SOLE   0 0 391,047
Schwab Intermediate Term US Tr COM 808524854 278 5,210 SH   SOLE   0 0 5,210
Schwab International Equity ET COM 808524805 8,979 263,533 SH   SOLE   0 0 263,533
Schwab US Aggregate Bond ETF COM 808524839 907 17,431 SH   SOLE   0 0 17,431
Schwab US Broad Market ETF COM 808524102 3,361 52,089 SH   SOLE   0 0 52,089
Schwab US Large Cap ETF COM 808524201 18,535 290,607 SH   SOLE   0 0 290,607
Schwab US Large Cap Growth ETF COM 808524300 997 14,104 SH   SOLE   0 0 14,104
Schwab US Mid Cap ETF COM 808524508 12,229 229,573 SH   SOLE   0 0 229,573
Schwab US REIT ETF COM 808524847 5,343 128,376 SH   SOLE   0 0 128,376
Schwab US Tips ETF COM 808524870 236 4,250 SH   SOLE   0 0 4,250
Vanguard Dividend Appreciation COM 921908844 2,100 20,578 SH   SOLE   0 0 20,578
Vanguard Extended Market Viper COM 922908652 294 2,631 SH   SOLE   0 0 2,631
Vanguard FTSE All-World EX-US COM 922042775 32,642 596,532 SH   SOLE   0 0 596,532
Vanguard FTSE Europe ETF COM 922042874 1,173 19,833 SH   SOLE   0 0 19,833
Vanguard Global Ex US Real Est COM 922042676 7,392 122,183 SH   SOLE   0 0 122,183
Vanguard Growth Vipers COM 922908736 4,139 29,428 SH   SOLE   0 0 29,428
Vanguard Large Cap COM 922908637 25,100 204,766 SH   SOLE   0 0 204,766
Vanguard MSCI EAFE ETF COM 921943858 84,271 1,878,523 SH   SOLE   0 0 1,878,523
Vanguard MSCI Emerging Markets COM 922042858 41,719 908,707 SH   SOLE   0 0 908,707
Vanguard Mid Cap Growth Index COM 922908538 830 6,500 SH   SOLE   0 0 6,500
Vanguard Mid Cap Value COM 922908512 1,677 15,027 SH   SOLE   0 0 15,027
Vanguard Mid Cap Vipers COM 922908629 115,663 747,274 SH   SOLE   0 0 747,274
Vanguard REIT Vipers COM 922908553 18,521 223,196 SH   SOLE   0 0 223,196
Vanguard S&P 500 ETF COM 922908363 142,166 579,585 SH   SOLE   0 0 579,585
Vanguard ST Inflation Protecte COM 922020805 11,237 230,163 SH   SOLE   0 0 230,163
Vanguard Small Cap COM 922908751 2,617 17,704 SH   SOLE   0 0 17,704
Vanguard Small Cap Value COM 922908611 220 1,660 SH   SOLE   0 0 1,660
Vanguard Total Bond Market ETF COM 921937835 409 5,020 SH   SOLE   0 0 5,020
Vanguard Total International B COM 92203j407 4,431 81,495 SH   SOLE   0 0 81,495
Vanguard Total Stock Market Vi COM 922908769 48,125 350,640 SH   SOLE   0 0 350,640
Vanguard Value COM 922908744 1,491 14,023 SH   SOLE   0 0 14,023
iShares Barclays US Treasury I COM 464287176 2,028 17,780 SH   SOLE   0 0 17,780
iShares Core MSCI Total Intl S COM 46432f834 718 11,390 SH   SOLE   0 0 11,390
iShares Core US Growth ETF COM 464287671 1,344 25,000 SH   SOLE   0 0 25,000
iShares DJ Select Dividend Ind COM 464287168 226 2,294 SH   SOLE   0 0 2,294
iShares MSCI ACWI Index Fund COM 464288257 710 9,843 SH   SOLE   0 0 9,843
iShares MSCI All Country World COM 464286525 1,189 14,100 SH   SOLE   0 0 14,100
iShares MSCI EAFE Index Fund COM 464287465 812 11,547 SH   SOLE   0 0 11,547
iShares MSCI EAFE Minimum Vola COM 46429b689 1,223 16,753 SH   SOLE   0 0 16,753
iShares MSCI Emerging Markets COM 464287234 950 20,154 SH   SOLE   0 0 20,154
iShares MSCI Emerging Markets COM 464286533 1,636 26,929 SH   SOLE   0 0 26,929
iShares MSCI Minimum Volatilit COM 46429b697 1,763 33,397 SH   SOLE   0 0 33,397
iShares Russell 1000 Growth COM 464287614 7,788 57,824 SH   SOLE   0 0 57,824
iShares Russell 1000 Index Fun COM 464287622 4,973 33,463 SH   SOLE   0 0 33,463
iShares Russell 1000 Value Ind COM 464287598 3,472 27,927 SH   SOLE   0 0 27,927
iShares Russell 2000 Growth COM 464287648 416 2,226 SH   SOLE   0 0 2,226
iShares Russell 2000 Index COM 464287655 5,106 33,492 SH   SOLE   0 0 33,492
iShares Russell 2000 Value COM 464287630 422 3,352 SH   SOLE   0 0 3,352
iShares Russell 3000 Index COM 464287689 983 6,212 SH   SOLE   0 0 6,212
iShares Russell Midcap COM 464287499 67,525 324,437 SH   SOLE   0 0 324,437
iShares Russell Midcap Growth COM 464287481 11,530 95,570 SH   SOLE   0 0 95,570
iShares Russell Midcap Value COM 464287473 12,027 134,913 SH   SOLE   0 0 134,913
iShares Tr S&P 500/Barra Growt COM 464287309 553 3,618 SH   SOLE   0 0 3,618
iShares Trust S&P 500 Index COM 464287200 7,647 28,444 SH   SOLE   0 0 28,444
iShares Trust S&P SmallCap 600 COM 464287804 583 7,588 SH   SOLE   0 0 7,588