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 816 17,880 SH   SOLE 0 0 17,880
ISHARES TR SELECT DIVID ETF 464287168 12,380 144,476 SH   SOLE 121,450 0 23,026
ISHARES TR TIPS BD ETF 464287176 10,266 88,127 SH   SOLE 88,127 0 0
ISHARES TR CORE S&P500 ETF 464287200 27,519 126,488 SH   SOLE 105,936 0 20,552
ISHARES TR CORE US AGGBD ET 464287226 37,582 334,304 SH   SOLE 324,260 0 10,044
ISHARES TR MSCI EMG MKT ETF 464287234 2,405 64,214 SH   SOLE 53,150 0 11,064
ISHARES TR IBOXX INV CP ETF 464287242 4,360 35,393 SH   SOLE 27,904 0 7,489
ISHARES TR 7-10 Y TR BD ETF 464287440 6,789 60,681 SH   SOLE 60,681 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 10,140 119,242 SH   SOLE 107,666 0 11,576
ISHARES TR MSCI EAFE ETF 464287465 20,167 341,070 SH   SOLE 311,483 0 29,587
ISHARES TR CORE S&P MCP ETF 464287507 10,645 68,803 SH   SOLE 57,700 0 11,103
ISHARES TR COHEN&STEER REIT 464287564 7,831 74,649 SH   SOLE 67,600 0 7,049
ISHARES TR RUS 1000 GRW ETF 464287614 384 3,682 SH   SOLE 0 0 3,682
ISHARES TR CORE S&P SCP ETF 464287804 10,544 84,929 SH   SOLE 75,600 0 9,329
ISHARES TR NATIONAL MUN ETF 464288414 1,214 10,764 SH   SOLE 0 0 10,764
ISHARES TR IBOXX HI YD ETF 464288513 16,190 185,537 SH   SOLE 162,395 0 23,142
ISHARES TR 3-7 YR TR BD ETF 464288661 3,161 24,978 SH   SOLE 20,800 0 4,178
KAYNE ANDERSON MLP INVT CO COM 486606106 5,753 278,842 SH   SOLE 220,637 0 58,205
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,130 21,438 SH   SOLE 19,240 0 2,198
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 5,314 281,629 SH   SOLE 261,680 0 19,949
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 346 6,619 SH   SOLE 0 0 6,619
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 316 6,122 SH   SOLE 0 0 6,122
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 427 7,414 SH   SOLE 0 0 7,414
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 245 10,634 SH   SOLE 0 0 10,634
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 410 14,234 SH   SOLE 0 0 14,234
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 921 17,168 SH   SOLE 0 0 17,168
SCHWAB STRATEGIC TR US REIT ETF 808524847 201 4,703 SH   SOLE 0 0 4,703
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 305 5,484 SH   SOLE 0 0 5,484
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,067 21,014 SH   SOLE 0 0 21,014
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 487 15,110 SH   SOLE 0 0 15,110
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 2,737 27,758 SH   SOLE 26,008 0 1,750
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 46,647 554,396 SH   SOLE 506,590 0 47,806
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 28,849 145,198 SH   SOLE 138,212 0 6,986
VANGUARD INDEX FDS REIT ETF 922908553 234 2,701 SH   SOLE 0 0 2,701
VANGUARD INDEX FDS MID CAP ETF 922908629 11,465 88,577 SH   SOLE 76,347 0 12,230
VANGUARD INDEX FDS GROWTH ETF 922908736 240 2,133 SH   SOLE 0 0 2,133
VANGUARD INDEX FDS VALUE ETF 922908744 235 2,704 SH   SOLE 0 0 2,704
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,723 145,057 SH   SOLE 135,440 0 9,617
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 8,160 179,626 SH   SOLE 179,626 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,536 279,987 SH   SOLE 246,720 0 33,267
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,796 233,340 SH   SOLE 215,664 0 17,676
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,812 31,395 SH   SOLE 28,030 0 3,365
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,464 333,174 SH   SOLE 289,797 0 43,377
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 10,608 147,049 SH   SOLE 125,400 0 21,649