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
ALPS TRUST ETF VELOCITY SHARE VOLATILITY COM 00162Q791 1,289 42,587 SH   SOLE   42,587 0 0
BARCLAYS 1-3 YR CREDIT BOND COM 464288646 13,082 124,380 SH   SOLE   124,380 0 0
BARCLAYS BANK IPATH ETN BLOOMBERG COM COM 06738c778 22 764 SH   SOLE   764 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 13,669 559,071 SH   SOLE   559,071 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 9,934 379,914 SH   SOLE   379,914 0 0
ISHARES MODERATION ALLOCATION COM 464289875 149 4,248 SH   SOLE   4,248 0 0
ISHARES MSCI EAFE COM 464287465 628 10,331 SH   SOLE   10,331 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 1,012 25,777 SH   SOLE   25,777 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 13,553 334,830 SH   SOLE   334,830 0 0
ISHARES S&P GLBL INDX COM 464287572 6 81 SH   SOLE   81 0 0
ISHARES S&P MID VALUE COM 464287705 27,936 218,543 SH   SOLE   218,543 0 0
ISHARES S&P SM VALUE COM 464287309 43 368 SH   SOLE   368 0 0
ISHARES TR DJ TOTAL MARKET COM 464287846 17 165 SH   SOLE   165 0 0
ISHARES TR DJ US FINL COM 464287788 1 20 SH   SOLE   20 0 0
ISHARES TR LEHMAN BD FD COM 464287226 2,304 20,924 SH   SOLE   20,924 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 23 SH   SOLE   23 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 12,433 123,031 SH   SOLE   101,277 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 13,481 579,123 SH   SOLE   579,123 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 13,514 356,020 SH   SOLE   356,020 0 0
RUSSELL 1000 iSHARES COM 464287622 482 4,211 SH   SOLE   4,211 0 0
RUSSELL 2000 iSHARES COM 464287655 217 1,815 SH   SOLE   1,815 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 163 1,611 SH   SOLE   1,611 0 0
RUSSELL 3000 iSHARES COM 464287689 152,736 1,248,968 SH   SOLE   1,248,968 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 450 6,107 SH   SOLE   6,107 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 10 98 SH   SOLE   98 0 0
S&P 500 iSHARES COM 464287200 545 2,636 SH   SOLE   2,636 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 2,926 122,434 SH   SOLE   122,434 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 3,897 134,797 SH   SOLE   134,797 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 795 27,566 SH   SOLE   27,566 0 0
SCHWAB US BROAD MKT ETF COM 808524102 18,101 363,334 SH   SOLE   363,334 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 13 338 SH   SOLE   338 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 754 14,562 SH   SOLE   14,562 0 0
SCHWAB US LG CAP ETF COM 808524201 1,985 40,476 SH   SOLE   40,476 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 597 13,539 SH   SOLE   13,539 0 0
SCHWAB US MID-CAP ETF COM 808524508 598 14,713 SH   SOLE   14,713 0 0
SCHWAB US REIT ETF COM 808524847 63 1,618 SH   SOLE   1,618 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 6,131 111,231 SH   SOLE   111,231 0 0
SPDR TRUST UNIT SR COM 78462F103 872 4,245 SH   SOLE   4,245 0 0
VANGUARD DIV APPRECIATION COM 921908844 52 648 SH   SOLE   648 0 0
VANGUARD IDX FDS GROWTH COM 922908736 27 267 SH   SOLE   267 0 0
VANGUARD IDX FDS VALUE COM 922908744 736 8,719 SH   SOLE   8,719 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 13,336 189,913 SH   SOLE   189,913 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,718 33,004 SH   SOLE   33,004 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 4,265 40,238 SH   SOLE   40,238 0 0