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 23,306 221,315 SH   SOLE   221,315 0 0
BARCLAYS BANK IPATH ETN BLOOMBERG COM COM 06738c778 41 1,810 SH   SOLE   1,810 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 23,722 950,422 SH   SOLE   950,422 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 32 1,215 SH   SOLE   1,215 0 0
ISHARES CORE S&P ETF MIDCAP COM 464287507 3,225 18,541 SH   SOLE   18,541 0 0
ISHARES MODERATION ALLOCATION COM 464289875 647 17,379 SH   SOLE   17,379 0 0
ISHARES MSCI EAFE COM 464287465 2,451 37,595 SH   SOLE   37,595 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 70 1,693 SH   SOLE   1,693 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 23,185 473,844 SH   SOLE   473,844 0 0
ISHARES S&P GLBL INDX COM 464287572 7 87 SH   SOLE   87 0 0
ISHARES S&P MID VALUE COM 464287705 42,741 287,725 SH   SOLE   287,725 0 0
ISHARES S&P SM VALUE COM 464287879 989 7,080 SH   SOLE   7,080 0 0
ISHARES TR DJ TOTAL MARKET COM 464287846 20 167 SH   SOLE   167 0 0
ISHARES TR DJ US FINL COM 464287788 2 21 SH   SOLE   21 0 0
ISHARES TR LEHMAN BD FD COM 464287226 2,198 20,075 SH   SOLE   20,075 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 24 SH   SOLE   24 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 16,076 158,050 SH   SOLE   158,050 0 0
POWERSHARES S&P 500 HIGH QUALITY COM 73935X682 24,102 862,023 SH   SOLE   862,023 0 0
POWERSHARES S&P 500 LOW VOLATILITY COM 73937B779 23,625 528,184 SH   SOLE   528,184 0 0
RUSSELL 1000 iSHARES COM 464287622 1,598 11,816 SH   SOLE   11,816 0 0
RUSSELL 2000 iSHARES COM 464287655 1,052 7,467 SH   SOLE   7,467 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 392 3,304 SH   SOLE   3,304 0 0
RUSSELL 3000 iSHARES COM 464287689 108,135 750,834 SH   SOLE   750,834 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 436 5,191 SH   SOLE   5,191 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 1,758 12,847 SH   SOLE   12,847 0 0
S&P 500 iSHARES COM 464287200 1,050 4,313 SH   SOLE   4,313 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 2,861 115,147 SH   SOLE   115,147 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 4,457 140,253 SH   SOLE   140,253 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 1,036 30,832 SH   SOLE   30,832 0 0
SCHWAB US BROAD MKT ETF COM 808524102 145,974 2,497,001 SH   SOLE   2,497,001 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 10 229 SH   SOLE   229 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 271 4,297 SH   SOLE   4,297 0 0
SCHWAB US LG CAP ETF COM 808524201 2,262 39,156 SH   SOLE   39,156 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 131 2,624 SH   SOLE   2,624 0 0
SCHWAB US MID-CAP ETF COM 808524508 286 5,955 SH   SOLE   5,955 0 0
SCHWAB US REIT ETF COM 808524847 205 4,980 SH   SOLE   4,980 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 2,024 31,676 SH   SOLE   31,676 0 0
SPDR TRUST UNIT SR COM 78462F103 994 4,113 SH   SOLE   4,113 0 0
VANGUARD DIV APPRECIATION COM 921908844 36 389 SH   SOLE   389 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD IDX FDS VALUE COM 922908744 800 8,288 SH   SOLE   8,288 0 0
VANGUARD MEGA CAP 300 IDX COM 921910873 17,740 214,029 SH   SOLE   214,029 0 0
VANGUARD TOTAL BOND MKT COM 921937835 2,340 28,600 SH   SOLE   28,600 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 24,041 193,180 SH   SOLE   193,180 0 0
IPATH PURE BETA ETN COM 06740P114 25,854 994,440 SH   SOLE   994,440 0 0
VANGUARD EUROPEAN ETF COM 922042874 18 326 SH   SOLE   326 0 0
VANGUARD REIT ETF COM 922908553 26,139 314,064 SH   SOLE   314,064 0 0
ISHARES S&P 1500 INDEX COM 464287150 119 2,154 SH   SOLE   2,154 0 0