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
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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 1,025 18,018 SH   SOLE 0 0 18,018
ISHARES TR SELECT DIVID ETF 464287168 13,175 133,675 SH   SOLE 113,100 0 20,575
ISHARES TR TIPS BD ETF 464287176 8,827 77,377 SH   SOLE 77,377 0 0
ISHARES TR CORE S&P500 ETF 464287200 35,801 133,165 SH   SOLE 110,386 0 22,779
ISHARES TR CORE US AGGBD ET 464287226 57,888 529,476 SH   SOLE 515,495 0 13,981
ISHARES TR MSCI EMG MKT ETF 464287234 6,052 128,442 SH   SOLE 118,950 0 9,492
ISHARES TR IBOXX INV CP ETF 464287242 9,555 78,600 SH   SOLE 69,884 0 8,716
ISHARES TR BARCLAYS 7 10 YR 464287440 16,142 152,901 SH   SOLE 152,801 0 100
ISHARES TR 1 3 YR TREAS BD 464287457 21,288 253,878 SH   SOLE 241,237 0 12,641
ISHARES TR MSCI EAFE ETF 464287465 22,092 314,202 SH   SOLE 284,933 0 29,269
ISHARES TR CORE S&P MCP ETF 464287507 16,252 85,635 SH   SOLE 73,850 0 11,785
ISHARES TR COHEN STEER REIT 464287564 6,303 62,212 SH   SOLE 55,250 0 6,962
ISHARES TR RUS 1000 GRW ETF 464287614 365 2,713 SH   SOLE 0 0 2,713
ISHARES TR U.S. REAL ES ETF 464287739 2,200 27,155 SH   SOLE 26,130 0 1,025
ISHARES TR CORE S&P SCP ETF 464287804 15,501 201,808 SH   SOLE 180,100 0 21,708
ISHARES TR NATIONAL MUN ETF 464288414 1,547 13,970 SH   SOLE 0 0 13,970
ISHARES TR IBOXX HI YD ETF 464288513 15,757 180,572 SH   SOLE 154,395 0 26,177
ISHARES TR 3 7 YR TREAS BD 464288661 601 4,921 SH   SOLE 0 0 4,921
KAYNE ANDERSON MLP INVT CO COM 486606106 5,286 277,505 SH   SOLE 220,637 0 56,868
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 4,560 240,658 SH   SOLE 221,680 0 18,978
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 617 9,565 SH   SOLE 0 0 9,565
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 442 6,931 SH   SOLE 0 0 6,931
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 234 4,396 SH   SOLE 0 0 4,396
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 541 7,751 SH   SOLE 0 0 7,751
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 339 12,136 SH   SOLE 0 0 12,136
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 528 15,484 SH   SOLE 0 0 15,484
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,070 20,570 SH   SOLE 0 0 20,570
SCHWAB STRATEGIC TR US REIT ETF 808524847 205 4,920 SH   SOLE 0 0 4,920
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 334 6,266 SH   SOLE 0 0 6,266
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,666 33,305 SH   SOLE 0 0 33,305
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 471 15,110 SH   SOLE 0 0 15,110
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 1,513 15,910 SH   SOLE 14,500 0 1,410
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 60,230 738,388 SH   SOLE 676,052 0 62,336
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 30,239 123,280 SH   SOLE 113,887 0 9,393
VANGUARD INDEX FDS REIT ETF 922908553 714 8,605 SH   SOLE 0 0 8,605
VANGUARD INDEX FDS MID CAP ETF 922908629 8,389 54,199 SH   SOLE 41,400 0 12,799
VANGUARD INDEX FDS GROWTH ETF 922908736 231 1,639 SH   SOLE 0 0 1,639
VANGUARD INDEX FDS VALUE ETF 922908744 270 2,540 SH   SOLE 0 0 2,540
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,510 84,643 SH   SOLE 73,425 0 11,218
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,364 247,531 SH   SOLE 204,420 0 43,111
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 16,410 206,935 SH   SOLE 182,664 0 24,271
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 287 3,281 SH   SOLE 0 0 3,281
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 14,221 317,003 SH   SOLE 258,097 0 58,906
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 14,707 171,746 SH   SOLE 140,756 0 30,990