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
iSHARES MSCI JAPAN COM 464286848 1 100 SH   SOLE   100 0 0
iSHARES MSCI EMERGING MKTS COM 464287234 1 32 SH   SOLE   3,504 0 0
iSHARES TR DJUS FINL COM 464287788 1 20 SH   SOLE   20 0 0
VANGUARD IDX FDS VALUE COM 922908744 3 47 SH   SOLE   46 0 0
VANGUARD IDX FDS GROWTH COM 922908736 5 6 SH   SOLE   6 0 0
iSHARES S&P GLBL INDX COM 464287572 6 78 SH   SOLE   78 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 7 200 SH   SOLE   200 0 0
S&P 500 BARRA GROWTH iSHARES COM 464287309 9 97 SH   SOLE   97 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 12 236 SH   SOLE   280 0 0
iSHARES TR DJ TOTAL MARKET COM 464287846 15 165 SH   SOLE   165 0 0
SCHWAB LG-CAP VALUE ETF COM 808524409 22 553 SH   SOLE   601 0 0
VANGUARD DIV APPRECIATION COM 921908844 20 278 SH   SOLE   278 0 0
iSHARES S&P SM VALUE COM 464287879 46 410 SH   SOLE   410 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 76 2,336 SH   SOLE   2,281 0 0
RUSSELL 2000 iSHARES COM 464287655 81 699 SH   SOLE   828 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 177 7,311 SH   SOLE   6,871 0 0
SPDR TRUST UNIT SR COM 78462F103 105 565 SH   SOLE   563 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 193 1,920 SH   SOLE   1,942 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 262 8,341 SH   SOLE   7,514 0 0
SCHWAB US BROAD MKT ETF COM 808524102 637 13,952 SH   SOLE   12,795 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 450 6,550 SH   SOLE   6,550 0 0
RUSSELL 1000 iSHARES COM 464287622 435 4,158 SH   SOLE   4,702 0 0
S&P 500 iSHARES COM 464287200 469 2,680 SH   SOLE   2,956 0 0
iSHARES MSCI EAFE COM 464287465 693 10,318 SH   SOLE   10,549 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,268 27,941 SH   SOLE   28,518 0 0
iSHARES TR LEHMAN BD FD COM 464287226 2,302 21,335 SH   SOLE   21,718 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 4,060 41,662 SH   SOLE   43,101 0 0
PIMCO ENHANCED SHORT MAT COM 72201R833 10,926 107,784 SH   SOLE   98,311 0 0
iSHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 12,223 339,082 SH   SOLE   339,659 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 12,697 613,119 SH   SOLE   615,470 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 12,299 361,438 SH   SOLE   359,922 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 12,904 202,004 SH   SOLE   203,706 0 0
BARCLAYS 1-3 YR CREDIT BOND COM 464288646 12,678 120,342 SH   SOLE   117,338 0 0
iSHARES S&P MID VALUE COM 464287705 27,132 225,363 SH   SOLE   232,534 0 0
RUSSELL 3000 iSHARES COM 464287689 144,512 1,286,727 SH   SOLE   1,326,519 0 0