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 MSCI ACWI Index COM 464288257 233 3,636 SH   SOLE   3,636 0 0
iShares Tr Lehman Bd Fd COM 464287226 680 6,382 SH   SOLE   6,382 0 0
Vanguard Total Bond Index Fund COM 921937835 35 448 SH   SOLE   448 0 0
Vanguard Total COM 92203J407 9 159 SH   SOLE   159 0 0
Powershares Bulletshares 2021 COM 73939W706 258 12,441 SH   SOLE   12,441 0 0
Powershares Bulletshares 2022 COM 73939W888 257 12,487 SH   SOLE   12,487 0 0
Powershares Bulletshares 2023 COM 73939W862 549 27,199 SH   SOLE   27,199 0 0
Powershares Bulletshares 2024 COM 73939W847 542 27,122 SH   SOLE   27,122 0 0
Powershares Bulletshares 2025 COM 73939W821 546 27,764 SH   SOLE   27,764 0 0
Invesco Bulletshares COM 46138J791 289 15,540 SH   SOLE   15,540 0 0
Charter Communicatn COM 16119P108 7 25 SH   SOLE   25 0 0
Cigna Corp COM 125509109 10 53 SH   SOLE   53 0 0
ISHARES CALIFORNIA MUNI BOND E TF COM 464288356 15 264 SH   SOLE   264 0 0
Diamonds TRUST Series I COM 78467X109 833 3,571 SH   SOLE   3,571 0 0
Discovery Commun Ser C COM 25470F302 12 500 SH   SOLE   500 0 0
iShares MSCI Emerging Markets Index COM 464287234 5,237 134,063 SH   SOLE   134,063 0 0
iShares MSCI EAFE Index COM 464287465 43,457 739,321 SH   SOLE   739,321 0 0
Enbridge Inc COM 29250N105 30 962 SH   SOLE   962 0 0
E O G Resources Inc COM 26875P101 2 19 SH   SOLE   19 0 0
Fiserv Inc COM 337738108 2 34 SH   SOLE   34 0 0
FIDELITY COVINGTON TRUST MSCI REAL ESATE INDEX ETF COM 316092857 14 611 SH   SOLE   611 0 0
SPDR GLOBAL NATURAL RESOURCES ETF COM 78463X541 64 1,554 SH   SOLE   1,554 0 0
iShares International Small COM 78463X871 659 23,601 SH   SOLE   23,601 0 0
SPDR SPDR S&P CHINA ETF COM 78463X400 10 117 SH   SOLE   117 0 0
Ishars Ibnd SEP 2020 Trm COM 46434V571 500 19,690 SH   SOLE   19,690 0 0
Ishar Ibnd Dec 2021 Trm COM 46435G789 506 19,869 SH   SOLE   19,869 0 0
Ishrs Ibnd Dec 2022 Trm COM 46435G755 924 36,058 SH   SOLE   36,058 0 0
Ishares Ibonds Dec COM 46435G318 726 28,918 SH   SOLE   28,918 0 0
Ishars Ibnd Dec 2024 Trm COM 46435U697 728 28,596 SH   SOLE   28,596 0 0
Ishares Ibnd Dec COM 46435U432 325 12,573 SH   SOLE   12,573 0 0
Ishares Tr Cohen & Steer COM 449243104 20 205 SH   SOLE   205 0 0
iShares Core MSCI EAFE COM 46432F842 207 3,758 SH   SOLE   3,758 0 0
iShares Core MSCI Emerging Markets COM 46434G103 2,236 47,432 SH   SOLE   47,432 0 0
ISHARES INTL TREASURY BOND ETF COM 464288117 2 32 SH   SOLE   32 0 0
iShares S&P MidCap 400 Index COM 464287507 247 1,489 SH   SOLE   1,489 0 0
iShares S&P Midcap Value COM 464287705 98 709 SH   SOLE   709 0 0
iShares S&P MidCap 400 - Barra Growth COM 464287606 25,457 133,125 SH   SOLE   133,125 0 0
Ishares S&P Smallcap COM 464287879 57 431 SH   SOLE   431 0 0
iShares Core S&P Total U.S. ETF COM 464287150 347 6,112 SH   SOLE   6,112 0 0
iShares Tr S&P 500 Value COM 464287408 610 6,032 SH   SOLE   6,032 0 0
iShares S&P 500 Index COM 464287200 1,662 6,607 SH   SOLE   6,607 0 0
iShares Russell 1000 Value COM 464287598 5,314 47,850 SH   SOLE   47,850 0 0
iShares Russell 1000 Growth COM 464287614 4,303 32,870 SH   SOLE   32,870 0 0
iShares Russell 2000 COM 464287655 31,342 234,071 SH   SOLE   234,071 0 0
iShares Russell 2000 Value COM 464287630 12,070 112,234 SH   SOLE   112,234 0 0
iShares Russell 2000 Growth COM 464287648 4,559 27,135 SH   SOLE   27,135 0 0
iShares Russell Mid Cap Growth COM 464287481 1,436 12,632 SH   SOLE   12,632 0 0
iShares Russell Midcap COM 464287499 73 1,576 SH   SOLE   1,576 0 0
iShares Russell Midcap Value COM 464287473 201 2,628 SH   SOLE   2,628 0 0
iShares Russell 3000 Index COM 464287689 8,858 60,289 SH   SOLE   60,289 0 0
iShares US Technology Index COM 464287721 218 1,366 SH   SOLE   1,366 0 0
iShares Dow Jones Total Market Index COM 464207846 109 878 SH   SOLE   878 0 0
Jd.Com Inc COM 47215P106 2 100 SH   SOLE   100 0 0
S & P Mid Cap 400 Dep Rcpts Mid Cap COM 78467Y107 51 170 SH   SOLE   170 0 0
Medical Properties TRUST COM 58463J304 4 252 SH   SOLE   252 0 0
iShares S&P National Muni Bond COM 464288414 11,726 107,542 SH   SOLE   107,542 0 0
Northern Dyn Minerl COM 66510M204 2 4,000 SH   SOLE   4,000 0 0
Newfield Exploration COM 651290108 9 600 SH   SOLE   600 0 0
Nrg Energy Inc New COM 629377508 0 3 SH   SOLE   3 0 0
Ishares Tr S&P 100 Index Fund COM 464287101 23 207 SH   SOLE   207 0 0
Powershs Exch Trad Fd Tr COM 73935X302 28 1,750 SH   SOLE   1,750 0 0
Rydex Etf TRUST COM 78355W304 68 1,200 SH   SOLE   1,200 0 0
SPDR Dow Jones Global Real Estate ETF COM 78463X749 174 3,930 SH   SOLE   3,930 0 0
DJ Wilshire REIT ETF COM 78464A607 1,370 15,925 SH   SOLE   15,925 0 0
SPDR Dow Jones International Real Estate ETF COM 78463X863 2,775 78,515 SH   SOLE   78,515 0 0
Schwab US Small Cap ETF COM 808524607 105 1,724 SH   SOLE   1,724 0 0
Schwab Intl Small Cap ETF COM 808524888 43 1,489 SH   SOLE   1,489 0 0
Schwab Emerging Markets Equity ETF COM 808524706 22 929 SH   SOLE   929 0 0
Schwab FTSE Dev International COM 808524805 112 3,965 SH   SOLE   3,965 0 0
Schwab US Large Cap Growth ETF COM 808524300 297 4,307 SH   SOLE   4,307 0 0
Schwab US REIT ETF COM 808524847 40 1,051 SH   SOLE   1,051 0 0
Schwab US Mid-Cap ETF COM 808524508 70 1,455 SH   SOLE   1,455 0 0
Schwab Intm US Trsr ETF COM 808524854 21 393 SH   SOLE   393 0 0
Schwab US Large Cap Value ETF COM 808524409 308 6,255 SH   SOLE   6,255 0 0
Schwab US Large Cap ETF COM 808524201 178 2,975 SH   SOLE   2,975 0 0
Schwab US Aggregate Bond ETF COM 808524839 3 60 SH   SOLE   60 0 0
iShares MSCI EAFE Small Cap COM 464288273 10,184 196,535 SH   SOLE   196,535 0 0
Proshs Ultrashrt S&P COM 74347R883 0 4 SH   SOLE   4 0 0
Spdr S&P Dividend Etf COM 78464A763 572 6,386 SH   SOLE   6,386 0 0
iShares Barcalys 1 - 3 Yr Bd Fd COM 464287457 42 500 SH   SOLE   500 0 0
Spdr S&P 600 Small Cap COM 78464A813 38 630 SH   SOLE   630 0 0
SPDR DJ Small Cap Growth COM 78464A201 20,630 382,457 SH   SOLE   382,457 0 0
SPDR S&P 600 Small Cap Value ETF COM 78464A300 16 294 SH   SOLE   294 0 0
SPDR Trust - S&P 500 Index COM 78462F103 581 2,324 SH   SOLE   2,324 0 0
SPDR S&P 500 Growth ETF COM 78464A409 63,279 1,947,056 SH   SOLE   1,947,056 0 0
SPDR S&P 500 Value ETF COM 78464A508 59 2,157 SH   SOLE   2,157 0 0
iShares S&P Short Term Muni Fund COM 464288158 119 1,130 SH   SOLE   1,130 0 0
Ishares Tr Lehman Tips COM 464287176 56 512 SH   SOLE   512 0 0
Ishares Msci Usa Min COM 46429B697 9 172 SH   SOLE   172 0 0
Vanguard Small Cap ETf COM 922908751 46 349 SH   SOLE   349 0 0
Vanguard Small Cap Value COM 922908611 8 69 SH   SOLE   69 0 0
Vanguard Corp Bond Etf COM 92206C409 37 470 SH   SOLE   470 0 0
Vanguard Energy ETF COM 92204A306 4 50 SH   SOLE   50 0 0
Vanguard MSCI EAFE ETF COM 921943858 771 20,785 SH   SOLE   20,785 0 0
Vanguard Intl Eqty Index COM 922042775 4,491 98,532 SH   SOLE   98,532 0 0
Vanguard Health Care COM 92204A504 38 239 SH   SOLE   239 0 0
Vanguard Div Apprciation COM 921908844 292 2,986 SH   SOLE   2,986 0 0
Vanguard Reit COM 922908553 720 9,662 SH   SOLE   9,662 0 0
Vanguard Glbal Ex US COM 922042676 5,457 104,122 SH   SOLE   104,122 0 0
VANGUARD CRSP US MID CAP VALUE INDE ETF COM 922908512 50 522 SH   SOLE   522 0 0
Vanguard Total World COM 922042742 1,335 20,387 SH   SOLE   20,387 0 0
Vanguard Total Stock Mkt COM 922908769 5,742 44,992 SH   SOLE   44,992 0 0
Vanguard Growth ETF COM 922908736 107 795 SH   SOLE   795 0 0
Vanguard FTSE Emerging Markets COM 922042858 20 523 SH   SOLE   523 0 0
Sector Spdr Indl Select COM 81369Y704 51 795 SH   SOLE   795 0 0