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
BARCLAYS 1-3 YR CREDIT BOND COM 464288646 21,393 203,864 SH   SOLE   203,864 0 0
BARCLAYS BANK IPATH ETN BLOOMBERG COM COM 06738c778 448 18,528 SH   SOLE   18,528 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 22,589 902,853 SH   SOLE   902,853 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 34 1,422 SH   SOLE   1,422 0 0
ISHARES CORE S&P ETF MIDCAP COM 464287507 4,060 24,556 SH   SOLE   24,556 0 0
ISHARES MODERATION ALLOCATION COM 464289875 13 374 SH   SOLE   374 0 0
ISHARES MSCI EAFE COM 464287465 2,112 36,597 SH   SOLE   36,597 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 62 1,793 SH   SOLE   1,793 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 20,954 463,381 SH   SOLE   463,381 0 0
ISHARES S&P GLBL INDX COM 464287572 6 85 SH   SOLE   85 0 0
ISHARES S&P MID VALUE COM 464287705 42,091 289,869 SH   SOLE   289,869 0 0
ISHARES S&P SM VALUE COM 464287879 1,222 8,728 SH   SOLE   87,281 0 0
ISHARES TR DJ TOTAL MARKET COM 464287846 18 166 SH   SOLE   166 0 0
ISHARES TR DJ US FINL COM 464287788 2 20 SH   SOLE   20 0 0
ISHARES TR LEHMAN BD FD COM 464287226 2,101 19,444 SH   SOLE   19,444 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 24 SH   SOLE   24 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 12,823 126,556 SH   SOLE   126,556 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 22,242 855,827 SH   SOLE   855,827 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 21,347 513,409 SH   SOLE   513,409 0 0
RUSSELL 1000 iSHARES COM 464287622 1,474 11,847 SH   SOLE   11,847 0 0
RUSSELL 2000 iSHARES COM 464287655 1,290 9,568 SH   SOLE   9,568 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 700 5,893 SH   SOLE   5,893 0 0
RUSSELL 3000 iSHARES COM 464287689 122,803 923,475 SH   SOLE   923,475 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 415 5,168 SH   SOLE   5,168 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 1,912 15,701 SH   SOLE   15,701 0 0
S&P 500 iSHARES COM 464287200 894 3,977 SH   SOLE   3,977 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 2,880 133,599 SH   SOLE   133,599 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 3,445 124,471 SH   SOLE   124,471 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 1,017 34,974 SH   SOLE   34,974 0 0
SCHWAB US BROAD MKT ETF COM 808524102 114,818 2,119,195 SH   SOLE   2,119,195 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 13 319 SH   SOLE   319 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 298 5,348 SH   SOLE   5,348 0 0
SCHWAB US LG CAP ETF COM 808524201 2,375 44,597 SH   SOLE   44,597 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 192 3,995 SH   SOLE   3,995 0 0
SCHWAB US MID-CAP ETF COM 808524508 279 6,194 SH   SOLE   6,194 0 0
SCHWAB US REIT ETF COM 808524847 3,659 89,181 SH   SOLE   89,181 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 2,158 351,059 SH   SOLE   35,105 0 0
SPDR TRUST UNIT SR COM 78462F103 793 3,547 SH   SOLE   3,547 0 0
VANGUARD DIV APPRECIATION COM 921908844 32 385 SH   SOLE   385 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD IDX FDS VALUE COM 922908744 770 8,288 SH   SOLE   8,288 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 16,305 213,596 SH   SOLE   213,596 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,271 28,109 SH   SOLE   28,109 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 20,565 178,331 SH   SOLE   178,331 0 0
IPATH PURE BETA ETN COM 06740P114 25,601 939,415 SH   SOLE   939,415 0 0
VANGUARD EUROPEAN ETF COM 922042874 15 320 SH   SOLE   320 0 0
VANGUARD REIT ETF COM 922908553 20,938 253,705 SH   SOLE   253,705 0 0
ISHARES S&P 1500 INDEX COM 464287150 123 2,414 SH   SOLE   2,414 0 0