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
ISHARES INC CORE MSCI EMKT 46434G103 738 17,637 SH   SOLE 0 0 17,637
ISHARES TR SELECT DIVID ETF 464287168 12,383 145,208 SH   SOLE 121,450 0 23,758
ISHARES TR TIPS BD ETF 464287176 10,130 86,827 SH   SOLE 86,827 0 0
ISHARES TR CORE S&P500 ETF 464287200 26,558 126,164 SH   SOLE 105,936 0 20,228
ISHARES TR CORE US AGGBD ET 464287226 36,429 323,479 SH   SOLE 315,260 0 8,219
ISHARES TR MSCI EMG MKT ETF 464287234 2,206 64,214 SH   SOLE 53,150 0 11,064
ISHARES TR IBOXX INV CP ETF 464287242 4,344 35,393 SH   SOLE 27,904 0 7,489
ISHARES TR 7-10 Y TR BD ETF 464287440 6,854 60,681 SH   SOLE 60,681 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 8,669 101,602 SH   SOLE 95,666 0 5,936
ISHARES TR MSCI EAFE ETF 464287465 19,037 341,045 SH   SOLE 311,483 0 29,562
ISHARES TR CORE S&P MCP ETF 464287507 10,264 68,703 SH   SOLE 57,700 0 11,003
ISHARES TR COHEN&STEER REIT 464287564 8,077 74,649 SH   SOLE 67,600 0 7,049
ISHARES TR RUS 1000 GRW ETF 464287614 370 3,682 SH   SOLE 0 0 3,682
ISHARES TR CORE S&P SCP ETF 464287804 9,905 85,233 SH   SOLE 75,600 0 9,633
ISHARES TR NATIONAL MUN ETF 464288414 1,218 10,694 SH   SOLE 0 0 10,694
ISHARES TR IBOXX HI YD ETF 464288513 15,619 184,401 SH   SOLE 162,395 0 22,006
ISHARES TR 3-7 YR TR BD ETF 464288661 2,825 22,183 SH   SOLE 19,600 0 2,583
KAYNE ANDERSON MLP INVT CO COM 486606106 5,674 278,842 SH   SOLE 220,637 0 58,205
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,157 21,892 SH   SOLE 19,240 0 2,652
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 5,187 281,893 SH   SOLE 261,680 0 20,213
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 293 5,819 SH   SOLE 0 0 5,819
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 296 5,946 SH   SOLE 0 0 5,946
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 382 7,069 SH   SOLE 0 0 7,069
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 221 10,375 SH   SOLE 0 0 10,375
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 357 13,154 SH   SOLE 0 0 13,154
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 758 14,106 SH   SOLE 0 0 14,106
SCHWAB STRATEGIC TR US REIT ETF 808524847 200 4,603 SH   SOLE 0 0 4,603
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 288 5,151 SH   SOLE 0 0 5,151
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 967 18,981 SH   SOLE 0 0 18,981
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 493 15,247 SH   SOLE 0 0 15,247
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 2,722 27,758 SH   SOLE 26,008 0 1,750
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 46,439 550,873 SH   SOLE 506,590 0 44,283
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 28,142 146,422 SH   SOLE 140,712 0 5,710
VANGUARD INDEX FDS MID CAP ETF 922908629 10,951 88,577 SH   SOLE 76,347 0 12,230
VANGUARD INDEX FDS GROWTH ETF 922908736 232 2,163 SH   SOLE 0 0 2,163
VANGUARD INDEX FDS VALUE ETF 922908744 237 2,789 SH   SOLE 0 0 2,789
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,445 150,807 SH   SOLE 141,190 0 9,617
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,697 179,626 SH   SOLE 179,626 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,011 284,168 SH   SOLE 250,870 0 33,298
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,834 232,975 SH   SOLE 215,664 0 17,311
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,807 31,395 SH   SOLE 28,030 0 3,365
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,691 330,619 SH   SOLE 289,797 0 40,822
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 10,279 143,842 SH   SOLE 125,400 0 18,442