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   32 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   47 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 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 10 97 SH   SOLE   97 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 9 168 SH   SOLE   168 0 0
iSHARES TR DJ TOTAL MARKET COM 464287846 16 165 SH   SOLE   165 0 0
SCHWAB LG-CAP VALUE ETF COM 808524409 20 487 SH   SOLE   487 0 0
VANGUARD DIV APPRECIATION COM 921908844 34 443 SH   SOLE   443 0 0
iSHARES S&P SM VALUE COM 464287879 42 366 SH   SOLE   366 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 87 2,540 SH   SOLE   2,540 0 0
RUSSELL 2000 iSHARES COM 464287655 200 1,684 SH   SOLE   1,684 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 195 7,495 SH   SOLE   7,495 0 0
SPDR TRUST UNIT SR COM 78462F103 111 567 SH   SOLE   567 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 173 1,682 SH   SOLE   1,682 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 313 9,517 SH   SOLE   9,517 0 0
SCHWAB US BROAD MKT ETF COM 808524102 746 15,639 SH   SOLE   15,639 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 477 6,578 SH   SOLE   6,578 0 0
RUSSELL 1000 iSHARES COM 464287622 459 4,175 SH   SOLE   4,175 0 0
S&P 500 iSHARES COM 464287200 521 2,645 SH   SOLE   2,645 0 0
iSHARES MSCI EAFE COM 464287465 719 10,527 SH   SOLE   10,527 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,327 28,307 SH   SOLE   28,307 0 0
iSHARES TR LEHMAN BD FD COM 464287226 2,311 21,128 SH   SOLE   21,128 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 4,182 41,099 SH   SOLE   41,099 0 0
PIMCO ENHANCED SHORT MAT COM 72201R833 10,429 102,856 SH   SOLE   102,856 0 0
iSHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 12,504 335,970 SH   SOLE   335,970 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 12,970 604,706 SH   SOLE   604,706 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 12,675 354,165 SH   SOLE   354,165 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 13,341 199,310 SH   SOLE   199,310 0 0
BARCLAYS 1-3 YR CREDIT BOND COM 464288646 12,668 119,880 SH   SOLE   119,880 0 0
iSHARES S&P MID VALUE COM 464287705 28,152 221,811 SH   SOLE   221,811 0 0
RUSSELL 3000 iSHARES COM 464287689 150,695 1,279,897 SH   SOLE   1,279,897 0 0