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 22 783 SH   SOLE   783 0 0
BARCLAYS 1-3 YR CREDIT BOND COM 464288646 18,966 178,778 SH   SOLE   178,778 0 0
BARCLAYS BANK IPATH ETN BLOOMBERG COM COM 06738c778 376 15,230 SH   SOLE   15,230 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 18,892 736,557 SH   SOLE   736,557 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 258 11,635 SH   SOLE   11,635 0 0
ISHARES CORE S&P ETF MIDCAP COM 464287507 6,398 42,833 SH   SOLE   42,833 0 0
ISHARES MODERATION ALLOCATION COM 464289875 247 6,999 SH   SOLE   6,999 0 0
ISHARES MSCI EAFE COM 464287465 2,377 42,598 SH   SOLE   42,598 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 395 11,501 SH   SOLE   11,051 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 19,922 431,134 SH   SOLE   431,134 0 0
ISHARES S&P GLBL INDX COM 464287572 6 84 SH   SOLE   84 0 0
ISHARES S&P MID VALUE COM 464287705 35,263 275,385 SH   SOLE   275,385 0 0
ISHARES S&P SM VALUE COM 464287879 1,027 8,798 SH   SOLE   8,798 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 2,286 20,301 SH   SOLE   20,301 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 23 SH   SOLE   23 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 10,047 99,316 SH   SOLE   99,316 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 21,117 850,471 SH   SOLE   850,471 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 21,353 499,142 SH   SOLE   499,142 0 0
RUSSELL 1000 iSHARES COM 464287622 1,399 11,976 SH   SOLE   11,976 0 0
RUSSELL 2000 iSHARES COM 464287655 1,855 16,134 SH   SOLE   16,134 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 447 4,598 SH   SOLE   4,598 0 0
RUSSELL 3000 iSHARES COM 464287689 143,955 1,160,745 SH   SOLE   1,160,745 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 408 5,492 SH   SOLE   5,492 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 2,182 18,725 SH   SOLE   18,725 0 0
S&P 500 iSHARES COM 464287200 798 3,795 SH   SOLE   3,795 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 2,843 133,551 SH   SOLE   133,551 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 3,975 146,642 SH   SOLE   146,642 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 990 34,392 SH   SOLE   34,392 0 0
SCHWAB US BROAD MKT ETF COM 808524102 67,005 1,332,126 SH   SOLE   1,332,126 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 11 314 SH   SOLE   314 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 439 8,377 SH   SOLE   8,377 0 0
SCHWAB US LG CAP ETF COM 808524201 2,496 50,160 SH   SOLE   50,160 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 263 5,888 SH   SOLE   5,888 0 0
SCHWAB US MID-CAP ETF COM 808524508 402 9,584 SH   SOLE   9,584 0 0
SCHWAB US REIT ETF COM 808524847 27 620 SH   SOLE   620 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 3,186 58,978 SH   SOLE   58,978 0 0
SPDR TRUST UNIT SR COM 78462F103 942 4,498 SH   SOLE   4,498 0 0
VANGUARD DIV APPRECIATION COM 921908844 31 381 SH   SOLE   381 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD IDX FDS VALUE COM 922908744 704 8,288 SH   SOLE   8,288 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 15,578 217,849 SH   SOLE   217,849 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,580 31,169 SH   SOLE   31,169 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 16,042 149,705 SH   SOLE   149,705 0 0
IPATH PURE BETA ETN COM 06740P114 11,508 416,783 SH   SOLE   416,783 0 0
VANGUARD EUROPEAN ETF COM 922042874 24 511 SH   SOLE   511 0 0
VANGUARD REIT ETF COM 922908553 13,031 146,967 SH   SOLE   146,967 0 0
GUGGENHEIM 2017 CORP BOND ETF COM 18383M548 32 1,424 SH   SOLE   1,424 0 0
ISHARES S&P 1500 INDEX COM 464287150 121 1,275 SH   SOLE   1,275 0 0