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 24,710 238,284 SH   SOLE   238,284 0 0
BARCLAYS BANK IPATH ETN BLOOMBERG COM COM 06738c778 63 2,610 SH   SOLE   2,610 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 24,900 1,008,512 SH   SOLE   1,008,512 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 1 61 SH   SOLE   61 0 0
ISHARES CORE S&P ETF MIDCAP COM 464287507 3,168 16,268 SH   SOLE   16,268 0 0
ISHARES MODERATION ALLOCATION COM 464289875 805 21,458 SH   SOLE   21,458 0 0
ISHARES MSCI EAFE COM 464287465 2,445 36,521 SH   SOLE   36,521 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 100 2,325 SH   SOLE   2,325 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 34 656 SH   SOLE   656 0 0
ISHARES S&P GLBL INDX COM 464287572 8 177 SH   SOLE   177 0 0
ISHARES S&P MID VALUE COM 464287705 49,186 303,565 SH   SOLE   303,565 0 0
ISHARES S&P SM VALUE COM 464287879 1,217 7,458 SH   SOLE   7,458 0 0
ISHARES TR DJ TOTAL MARKET COM 464287846 23 170 SH   SOLE   170 0 0
ISHARES TR DJ US FINL COM 464287788 2 21 SH   SOLE   21 0 0
ISHARES TR LEHMAN BD FD COM 464287226 2,186 20,567 SH   SOLE   20,567 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 24 SH   SOLE   24 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 15,151 149,202 SH   SOLE   149,202 0 0
INVESCO S&P 500 HIGH QUALITY COM 46137V241 25,198 839,673 SH   SOLE   839,673 0 0
INVESCO S&P 500 LOW VOLATILITY COM 46138E354 13 277 SH   SOLE   277 0 0
RUSSELL 1000 iSHARES COM 464287622 1,818 11,965 SH   SOLE   11,965 0 0
RUSSELL 2000 iSHARES COM 464287655 1,180 7,208 SH   SOLE   7,208 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 411 3,117 SH   SOLE   3,117 0 0
RUSSELL 3000 iSHARES COM 464287689 107,376 661,636 SH   SOLE   661,636 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 406 4,589 SH   SOLE   4,589 0 0
BARCLAYS CPTL SHRT CORP BD ETF COM 78464a474 113 3,778 SH   SOLE   3,778 0 0
POWERSHARES F INV CORP BD COM 73937B761 185 7,500 SH   SOLE   7,500 0 0
SPDR PORT TOTAL STOCK MKT ETF COM 78464A805 1,464 43,097 SH   SOLE   43,097 0 0
SPDR S&P 500 SM CAP VALUE ETF COM 78464A300 6,830 102,271 SH   SOLE   102,271 0 0
SPDR PORT DEV WORLD ETF COM 78463X889 135 4,449 SH   SOLE   4,449 0 0
WISDOM TREE INTL SM CAP DIV FD COM 97717W760 228 3,173 SH   SOLE   3,173 0 0
VANGUARD FTSE ALLWORLD SM CAP COM 922042718 13 114 SH   SOLE   114 0 0
VANGUARD SMALL CAP VAL ETF COM 922908611 968 7,129 SH   SOLE   7,129 0 0
SPDR PORT EMG MKTS ETF COM 78463X509 58 1,658 SH   SOLE   1,658 0 0
PIMCO INVEST GRADE CORP BD ETF COM 72201R817 902 8,993 SH   SOLE   8,993 0 0
SPDR PORT INTER TERM CORP BD ETF COM 78464A375 297 8,949 SH   SOLE   8,949 0 0
ISHARES CORE TOTAL US BD MKT ETF COM 46434V613 32 650 SH   SOLE   650 0 0
INVESCO FTSE RAFI EMG MKT COM 73936T763 1,302 63,013 SH   SOLE   63,013 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 2,064 12,697 SH   SOLE   12,697 0 0
S&P 500 iSHARES COM 464287200 1,403 5,141 SH   SOLE   5,141 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 3,789 146,373 SH   SOLE   146,373 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 6,083 184,081 SH   SOLE   184,081 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 1,478 40,978 SH   SOLE   40,978 0 0
SCHWAB US BROAD MKT ETF COM 808524102 175,236 2,655,499 SH   SOLE   2,655,499 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 11 233 SH   SOLE   233 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 280 3,700 SH   SOLE   3,700 0 0
SCHWAB US LG CAP ETF COM 808524201 2,590 39,866 SH   SOLE   39,866 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 144 2,725 SH   SOLE   2,725 0 0
SCHWAB US MID-CAP ETF COM 808524508 324 5,911 SH   SOLE   5,911 0 0
SCHWAB US REIT ETF COM 808524847 945 22,626 SH   SOLE   22,626 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 3,244 44,098 SH   SOLE   44,098 0 0
SPDR TRUST UNIT SR COM 78462F103 1,666 6,141 SH   SOLE   6,141 0 0
SCHWAB SHORT-TERM US BOND COM 808524862 164 3,304 SH   SOLE   3,304 0 0
VANGUARD SHORT TERM GOV BOND COM 92206C102 3 51 SH   SOLE   51 0 0
ISHARES BARCLAYS SHORT TREASURY BOND COM 464288679 22 206 SH   SOLE   206 0 0
VANGUARD DIV APPRECIATION COM 921908844 40 395 SH   SOLE   395 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD IDX FDS VALUE COM 922908744 876 8,438 SH   SOLE   8,438 0 0
JPM ULTRA-SHORT INCOME ETF COM 46641Q837 6,273 125,212 SH   SOLE   125,212 0 0
VANGUARD TOTAL BOND MKT COM 921937835 1,682 21,240 SH   SOLE   21,240 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 28,368 202,009 SH   SOLE   202,009 0 0
VANGUARD FTSE DEV MARKETS COM 921943858 199 4,661 SH   SOLE   4,661 0 0
IPATH PURE BETA ETN COM 06740P114 31,392 1,047,110 SH   SOLE   1,047,110 0 0
VANGUARD EUROPEAN ETF COM 922042874 1 6 SH   SOLE   6 0 0
VANGUARD REIT ETF COM 922908553 29,463 361,742 SH   SOLE   361,742 0 0
ISHARES S&P 1500 INDEX COM 464287150 69 1,117 SH   SOLE   1,117 0 0