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
Apple Inc COM 037833100 265 1,677 SH   SOLE   0 0 1,677
Emerson Electric Co COM 291011104 232 3,880 SH   SOLE   0 0 3,880
Exxon Mobil Corporation COM 30231G102 233 3,415 SH   SOLE   0 0 3,415
Johnson & Johnson COM 478160104 309 2,395 SH   SOLE   0 0 2,395
Merck & Co Inc COM 58933Y105 345 4,518 SH   SOLE   0 0 4,518
E Tracs Alerian MLP Infrastruc COM 902641646 16,848 852,211 SH   SOLE   0 0 852,211
Invesco DB Commodity Index Tra COM 46138b103 995 68,686 SH   SOLE   0 0 68,686
JP Morgan Alerian MLP Index ET COM 46625h365 2,082 93,260 SH   SOLE   0 0 93,260
Nuveen Real Estate Income Fund COM 67071B108 119 14,028 SH   SOLE   0 0 14,028
Pimco 0-5 Year High Yield Corp COM 72201r783 2,495 26,233 SH   SOLE   0 0 26,233
SPDR DJ Wilshire International COM 78463x863 796 22,528 SH   SOLE   0 0 22,528
SPDR S&P 500 ETF Trust COM 78462F103 77,939 311,857 SH   SOLE   0 0 311,857
SPDR S&P MidCap 400 ETF Trust COM 78467y107 2,206 7,289 SH   SOLE   0 0 7,289
Schwab Emerging Markets COM 808524706 13,936 592,260 SH   SOLE   0 0 592,260
Schwab Intermediate Term US Tr COM 808524854 403 7,620 SH   SOLE   0 0 7,620
Schwab International Equity ET COM 808524805 9,766 344,469 SH   SOLE   0 0 344,469
Schwab US Aggregate Bond ETF COM 808524839 7,907 156,292 SH   SOLE   0 0 156,292
Schwab US Broad Market ETF COM 808524102 5,654 94,345 SH   SOLE   0 0 94,345
Schwab US Large Cap ETF COM 808524201 30,513 511,110 SH   SOLE   0 0 511,110
Schwab US Large Cap Growth ETF COM 808524300 1,064 15,441 SH   SOLE   0 0 15,441
Schwab US Mid Cap ETF COM 808524508 30,023 626,386 SH   SOLE   0 0 626,386
Schwab US REIT ETF COM 808524847 6,044 156,946 SH   SOLE   0 0 156,946
Schwab US Tips ETF COM 808524870 4,383 82,316 SH   SOLE   0 0 82,316
Vanguard Dividend Appreciation COM 921908844 1,970 20,117 SH   SOLE   0 0 20,117
Vanguard Extended Market Viper COM 922908652 263 2,631 SH   SOLE   0 0 2,631
Vanguard FTSE All-World EX-US COM 922042775 17,076 374,640 SH   SOLE   0 0 374,640
Vanguard Global Ex US Real Est COM 922042676 10,051 191,779 SH   SOLE   0 0 191,779
Vanguard Growth Vipers COM 922908736 4,558 33,928 SH   SOLE   0 0 33,928
Vanguard Large Cap COM 922908637 30,400 264,669 SH   SOLE   0 0 264,669
Vanguard MSCI EAFE ETF COM 921943858 36,758 990,782 SH   SOLE   0 0 990,782
Vanguard MSCI Emerging Markets COM 922042858 34,386 902,516 SH   SOLE   0 0 902,516
Vanguard Mid Cap Growth Index COM 922908538 538 4,493 SH   SOLE   0 0 4,493
Vanguard Mid Cap Value COM 922908512 1,215 12,756 SH   SOLE   0 0 12,756
Vanguard Mid Cap Vipers COM 922908629 131,997 955,251 SH   SOLE   0 0 955,251
Vanguard REIT Vipers COM 922908553 14,563 195,289 SH   SOLE   0 0 195,289
Vanguard S&P 500 ETF COM 922908363 172,523 750,722 SH   SOLE   0 0 750,722
Vanguard ST Inflation Protecte COM 922020805 10,347 215,912 SH   SOLE   0 0 215,912
Vanguard Small Cap COM 922908751 2,419 18,330 SH   SOLE   0 0 18,330
Vanguard Total Bond Market ETF COM 921937835 1,047 13,223 SH   SOLE   0 0 13,223
Vanguard Total International B COM 92203j407 4,727 87,128 SH   SOLE   0 0 87,128
Vanguard Total Stock Market Vi COM 922908769 37,784 296,045 SH   SOLE   0 0 296,045
Vanguard Value COM 922908744 1,503 15,348 SH   SOLE   0 0 15,348
iShares Barclays US Treasury I COM 464287176 7,245 66,160 SH   SOLE   0 0 66,160
iShares Core MSCI Total Intl S COM 46432f834 598 11,390 SH   SOLE   0 0 11,390
iShares Core US Growth ETF COM 464287671 1,317 25,000 SH   SOLE   0 0 25,000
iShares DJ Select Dividend Ind COM 464287168 205 2,294 SH   SOLE   0 0 2,294
iShares MSCI ACWI Index Fund COM 464288257 632 9,843 SH   SOLE   0 0 9,843
iShares MSCI All Country World COM 464286525 492 6,049 SH   SOLE   0 0 6,049
iShares MSCI EAFE Index Fund COM 464287465 3,934 66,930 SH   SOLE   0 0 66,930
iShares MSCI EAFE Minimum Vola COM 46429b689 458 6,866 SH   SOLE   0 0 6,866
iShares MSCI Emerging Markets COM 464287234 2,449 62,700 SH   SOLE   0 0 62,700
iShares MSCI Emerging Markets COM 464286533 1,224 21,902 SH   SOLE   0 0 21,902
iShares MSCI Minimum Volatilit COM 46429b697 1,560 29,777 SH   SOLE   0 0 29,777
iShares Russell 1000 Growth COM 464287614 7,284 55,638 SH   SOLE   0 0 55,638
iShares Russell 1000 Index Fun COM 464287622 6,578 47,432 SH   SOLE   0 0 47,432
iShares Russell 1000 Value Ind COM 464287598 3,190 28,725 SH   SOLE   0 0 28,725
iShares Russell 2000 Index COM 464287655 7,850 58,626 SH   SOLE   0 0 58,626
iShares Russell 2000 Value COM 464287630 278 2,588 SH   SOLE   0 0 2,588
iShares Russell 3000 Index COM 464287689 3,876 26,385 SH   SOLE   0 0 26,385
iShares Russell Midcap COM 464287499 62,538 1,345,482 SH   SOLE   0 0 1,345,482
iShares Russell Midcap Growth COM 464287481 10,604 93,259 SH   SOLE   0 0 93,259
iShares Russell Midcap Value COM 464287473 10,082 132,046 SH   SOLE   0 0 132,046
iShares S&P Mid Cap 400 Index COM 464287507 356 2,145 SH   SOLE   0 0 2,145
iShares Tr S&P 500/Barra Growt COM 464287309 545 3,618 SH   SOLE   0 0 3,618
iShares Trust S&P 500 Index COM 464287200 8,063 32,044 SH   SOLE   0 0 32,044
iShares Trust S&P SmallCap 600 COM 464287804 652 9,404 SH   SOLE   0 0 9,404