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
I-SHARES 1-3 YR CREDIT BOND COM 464288646 24,710 238,284 SH   SOLE   238,284 0 0
UBS BANK IPATH ETN BLOOMBERG COM COM 06738C778 62,013 2,610 SH   SOLE   2,610 0 0
BARCLAYS CPTL SHRT TERM CORP BD ETF COM 78464A474 168 5,587 SH   SOLE   5,587 0 0
FLEXSHARES IBOXX 5YR TARGET DUR TIPS ETF COM 33939L605 27,624 1,140,109 SH   SOLE   1,140,109 0 0
GLOBAL X ETF GURU INDEX COM 37950E341 1 61 SH   SOLE   61 0 0
INVESCO FTSE RAFI EMG MKT COM 46138E727 2,655 125,617 SH   SOLE   125,617 0 0
INVESCO FUNDAMENTAL INV CORP BD ETF COM 46138e693 275 11,156 SH   SOLE   11,156 0 0
INVESCO S&P 500 HIGH QUALITY COM 46137V241 28,229 860,659 SH   SOLE   860,659 0 0
INVESCO S&P 500 LOW VOLATILITY COM 46138E354 13 278 SH   SOLE   278 0 0
IPATH PURE BETA ETN COM 06740P114 31,736 1,069,658 SH   SOLE   1,069,658 0 0
ISHARES BARCLAYS SHORT TREASURY BD COM 464288679 60 545 SH   SOLE   545 0 0
ISHARES CORE S&P ETF MIDCAP COM 464287507 3,256 16,177 SH   SOLE   16,177 0 0
ISHARES CORE TOTAL US BD MKT ETF COM 46434V613 142 2,901 SH   SOLE   2,901 0 0
ISHARES MODERATION ALLOCATION COM 464289875 2,329 61,472 SH   SOLE   61,472 0 0
ISHARES MSCI EAFE COM 464287465 2,527 37,172 SH   SOLE   37,172 0 0
ISHARES MSCI EMERGING MKTS COM 464287234 69 1,622 SH   SOLE   1,622 0 0
ISHARES MSCI USA MINIMUM VOLATILITY COM 46429B697 37 659 SH   SOLE   659 0 0
ISHARES S&P 1500 INDEX COM 464287150 74 1,117 SH   SOLE   1,117 0 0
ISHARES S&P GLBL INDX COM 464287572 8 177 SH   SOLE   177 0 0
ISHARES S&P MID VALUE COM 464287705 50,965 304,583 SH   SOLE   304,583 0 0
ISHARES S&P SM VALUE COM 464287879 1,240 7,431 SH   SOLE   7,431 0 0
ISHARES TR DJ TOTAL MARKET COM 464287846 24 170 SH   SOLE   170 0 0
ISHARES TR DJ US FINL COM 464287788 2 21 SH   SOLE   21 0 0
ISHARES TR BARCLAYS AGG BD FD COM 464287226 2,165 20,524 SH   SOLE   20,524 0 0
JPM ULTRA-SHORT INCOME ETF COM 46641Q837 17,702 352,999 SH   SOLE   352,999 0 0
MARKET VECTORS ETF ISRAEL COM 57061R676 1 24 SH   SOLE   24 0 0
PIMCO ENHANCED SHORT MAT COM 72201r833 13,577 133,607 SH   SOLE   133,607 0 0
PIMCO INVEST GRADE CORP BD ETF COM 72201R817 2,156 21,438 SH   SOLE   21,438 0 0
RUSSELL 1000 iSHARES COM 464287622 1,943 12,018 SH   SOLE   12,018 0 0
RUSSELL 2000 iSHARES COM 464287655 1,143 6,784 SH   SOLE   6,784 0 0
RUSSELL 2000 VALUE iSHARES COM 464287630 411 3,094 SH   SOLE   3,094 0 0
RUSSELL 3000 iSHARES COM 464287689 110,927 643,806 SH   SOLE   643,806 0 0
RUSSELL MIDCAP VALUE iSHARES COM 464287473 406 4,505 SH   SOLE   4,505 0 0
S&P 500 BARRA GROWTH ISHARES COM 464287309 2,001 11,295 SH   SOLE   11,295 0 0
S&P 500 iSHARES COM 464287200 1,542 5,267 SH   SOLE   5,267 0 0
SCHWAB EMG MKT EQUITY ETF COM 808524706 4,057 157,813 SH   SOLE   157,813 0 0
SCHWAB INT'L EQUITY ETF COM 808524805 6,440 192,082 SH   SOLE   192,082 0 0
SCHWAB INT'L SMALL-CAP ETF COM 808524888 1,516 42,534 SH   SOLE   42,534 0 0
SCHWAB SHORT-TERM US BD COM 808524862 483 9,750 SH   SOLE   9,750 0 0
SCHWAB US BROAD MKT ETF COM 808524102 188,139 2,672,819 SH   SOLE   2,672,819 0 0
SCHWAB US DIVIDEND EQUITY ETF COM 808524797 12 235 SH   SOLE   235 0 0
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 303 3,702 SH   SOLE   3,702 0 0
SCHWAB US LG CAP ETF COM 808524201 2,735 39,319 SH   SOLE   39,319 0 0
SCHWAB US LG CAP VALUE ETF COM 808524409 154 2,755 SH   SOLE   2,755 0 0
SCHWAB US MID-CAP ETF COM 808524508 330 5,715 SH   SOLE   5,715 0 0
SCHWAB US REIT ETF COM 808524847 515 12,636 SH   SOLE   12,636 0 0
SCHWAB US SMALL-CAP ETF COM 808524607 3,342 43,877 SH   SOLE   43,877 0 0
SPDR PORT DEV WORLD ETF COM 78463X889 211 6,889 SH   SOLE   6,889 0 0
SPDR PORT EMG MKTS ETF COM 78463X509 68 1,966 SH   SOLE   1,966 0 0
SPDR PORT INTER TERM CORP BD ETF COM 78464A375 547 16,443 SH   SOLE   16,443 0 0
SPDR PORT TOTAL STOCK MKT ETF COM 78464A805 2,343 64,736 SH   SOLE   64,736 0 0
SPDR S&P 600 SM CAP VALUE ETF COM 78464A300 6,994 102,448 SH   SOLE   102,448 0 0
SPDR TRUST UNIT SR COM 78462F103 1,940 6,675 SH   SOLE   6,675 0 0
VANGUARD DIV APPRECIATION COM 921908844 43 397 SH   SOLE   397 0 0
VANGUARD EUROPEAN ETF COM 922042874 18 337 SH   SOLE   337 0 0
VANGUARD FTSE ALLWORLD SM CAP COM 922042718 6 56 SH   SOLE   56 0 0
VANGUARD FTSE DEV MARKETS COM 921943858 201 4,661 SH   SOLE   4,661 0 0
VANGUARD IDX FDS GROWTH COM 922908736 1 6 SH   SOLE   6 0 0
VANGUARD IDX FDS VALUE COM 922908744 934 8,438 SH   SOLE   8,438 0 0
VANGUARD REIT ETF COM 922908553 30,327 375,900 SH   SOLE   375,900 0 0
VANGUARD SHORT TERM GOV BOND COM 92206C102 225 3,772 SH   SOLE   3,772 0 0
VANGUARD SMALL CAP VAL ETF COM 922908611 966 6,933 SH   SOLE   6,933 0 0
VANGUARD TOTAL BOND MKT COM 921937835 1,672 21,247 SH   SOLE   21,247 0 0
VANGUARD TOTAL STOCK MKT IDX COM 922908769 29,212 195,206 SH   SOLE   195,206 0 0
WISDOM TREE INTL SM CAP DIV FD COM 97717W760 249 3,507 SH   SOLE   3,507 0 0