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 358 12,727 SH   SOLE   12,727 0 0
BARCLAYS 1-3 YR CREDIT BOND COM 464288646 17,048 162,168 SH   SOLE   162,168 0 0
BARCLAYS BANK IPATH ETN BLOOMBERG COM COM 06738c778 1,489 60,933 SH   SOLE   60,933 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 15,169 616,153 SH   SOLE   616,153 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 7,266 312,692 SH   SOLE   312,692 0 0
ISHARES CORE S&P ETF MIDCAP COM 464287507 8,892 65,094 SH   SOLE   65,094 0 0
ISHARES MODERATION ALLOCATION COM 464289875 618 18,257 SH   SOLE   18,257 0 0
ISHARES MSCI EAFE COM 464287465 1,466 25,587 SH   SOLE   25,587 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 674 20,588 SH   SOLE   20,588 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 13,665 345,168 SH   SOLE   345,168 0 0
ISHARES S&P GLBL INDX COM 464287572 5 82 SH   SOLE   82 0 0
ISHARES S&P MID VALUE COM 464287705 28,130 243,882 SH   SOLE   243,882 0 0
ISHARES S&P SM VALUE COM 464287879 1,170 11,173 SH   SOLE   11,173 0 0
ISHARES TR DJ TOTAL MARKET COM 464287846 15 165 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 2,351 21,459 SH   SOLE   21,459 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 23 SH   SOLE   23 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 9,460 93,901 SH   SOLE   93,901 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 14,557 659,890 SH   SOLE   659,890 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 13,959 388,189 SH   SOLE   388,189 0 0
RUSSELL 1000 iSHARES COM 464287622 1,295 12,098 SH   SOLE   12,098 0 0
RUSSELL 2000 iSHARES COM 464287655 2,707 24,797 SH   SOLE   24,797 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 234 2,603 SH   SOLE   2,603 0 0
RUSSELL 3000 iSHARES COM 464287689 137,033 1,203,210 SH   SOLE   1,203,210 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 429 6,408 SH   SOLE   6,408 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 2,368 21,971 SH   SOLE   21,971 0 0
S&P 500 iSHARES COM 464287200 651 3,380 SH   SOLE   3,380 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 1,996 98,757 SH   SOLE   98,757 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 2,414 88,222 SH   SOLE   88,222 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 638 22,374 SH   SOLE   22,374 0 0
SCHWAB US BROAD MKT ETF COM 808524102 39,383 849,148 SH   SOLE   849,148 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 12 352 SH   SOLE   352 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 692 13,852 SH   SOLE   13,852 0 0
SCHWAB US LG CAP ETF COM 808524201 1,375 30,060 SH   SOLE   30,060 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 502 12,627 SH   SOLE   12,627 0 0
SCHWAB US MID-CAP ETF COM 808524508 404 10,384 SH   SOLE   10,384 0 0
SCHWAB US REIT ETF COM 808524847 47 1,267 SH   SOLE   1,267 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 4,221 83,116 SH   SOLE   83,116 0 0
SPDR TRUST UNIT SR COM 78462F103 803 4,194 SH   SOLE   4,194 0 0
VANGUARD DIV APPRECIATION COM 921908844 33 456 SH   SOLE   456 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD IDX FDS VALUE COM 922908744 639 8,335 SH   SOLE   8,335 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 12,951 198,393 SH   SOLE   198,393 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,669 32,582 SH   SOLE   32,582 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 9,712 98,388 SH   SOLE   98,388 0 0
IPATH PURE BETA ETN COM 06740P114 3,677 137,727 SH   SOLE   137,727 0 0
VANGUARD EUROPEAN ETF COM 922042874 24 506 SH   SOLE   506 0 0
ISHARES S&P 1500 INDEX COM 464287150 486 5,558 SH   SOLE   5,558 0 0