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 262 3,636 SH   SOLE 3,636 0 0 0
iShares Tr Lehman Bd Fd COM 464287226 514 4,715 SH   SOLE 4,715 0 0 0
Vanguard Total Bond Index Fund COM 921937835 16 201 SH   SOLE 201.4231 0 0 0
Vanguard Total COM 92203J407 0 3 SH   SOLE 3.1903 0 0 0
Powershares Bulletshares 2022 COM 73939W706 270 12,851 SH   SOLE 12,851 0 0 0
Powershares Bulletshares 2023 COM 73939W888 272 12,887 SH   SOLE 12,887 0 0 0
Powershares Bulletshares 2024 COM 73939W862 574 27,599 SH   SOLE 27,599 0 0 0
Powershares Bulletshares 2025 COM 73939W847 571 27,527 SH   SOLE 27,527 0 0 0
Powershares Bulletshares 2026 COM 73939W821 579 28,154 SH   SOLE 28,154 0 0 0
Diamonds TRUST Series I COM 78467X109 905 3,491 SH   SOLE 3,491 0 0 0
iShares Select Dividend ETF COM 464287168 60 611 SH   SOLE 611.2385 0 0 0
iShares MSCI Emerging Markets Index COM 464287234 5,473 127,511 SH   SOLE 127,511 0 0 0
iShares MSCI EAFE Index COM 464287465 39,933 615,674 SH   SOLE 615,674 0 0 0
Ishares Msci Val Idx Fd COM 464288877 4 77 SH   SOLE 77 0 0 0
Ishares Msci Israel Inx COM 464286632 60 1,102 SH   SOLE 1,102.0068 0 0 0
Streettracks Gold TRUST COM 863307104 106 865 SH   SOLE 865 0 0 0
SPDR GLOBAL NATURAL RESOURCES ETF COM 78463X541 72 1,554 SH   SOLE 1,554.2437 0 0 0
iShares International Small COM 78463X871 711 23,441 SH   SOLE 23,441 0 0 0
Ishares Tr Cohen & Steer COM 449243104 23 205 SH   SOLE 205.353 0 0 0
iShares Core MSCI EAFE COM 46432F842 220 3,612 SH   SOLE 3,612 0 0 0
iShares Core MSCI Emerging Markets COM 46434G103 1,886 36,475 SH   SOLE 36,475 0 0 0
iShares S&P MidCap 400 Index COM 464287507 255 1,344 SH   SOLE 1,344 0 0 0
iShares S&P Midcap Value COM 464287705 110 701 SH   SOLE 701 0 0 0
iShares S&P MidCap 400 - Barra Growth COM 464287606 28,437 129,791 SH   SOLE 129,791 0 0 0
iShares Core S&P Small Cap ETF COM 464287804 28 361 SH   SOLE 361 0 0 0
Ishares S&P Smallcap COM 464287879 36 245 SH   SOLE 245 0 0 0
iShares Core S&P Total U.S. ETF COM 464287150 394 6,112 SH   SOLE 6,112 0 0 0
iShares Tr S&P 500 Value COM 464287408 680 6,032 SH   SOLE 6,032 0 0 0
Vanguard S&P Mid Cap COM 921932885 74 578 SH   SOLE 578 0 0 0
iShares S&P 500 Index COM 464287200 1,789 6,287 SH   SOLE 6,286.5088 0 0 0
iShares Russell 1000 Value COM 464287598 5,610 45,431 SH   SOLE 45,431 0 0 0
iShares Russell 1000 Growth COM 464287614 4,491 29,674 SH   SOLE 29,674 0 0 0
iShares Russell 2001 COM 464287655 31,339 204,709 SH   SOLE 204,708.6854 0 0 0
iShares Russell 2000 Value COM 464287630 13,270 110,678 SH   SOLE 110,678 0 0 0
iShares Russell 2000 Growth COM 464287648 5,305 26,977 SH   SOLE 26,977 0 0 0
iShares Russell Mid Cap Growth COM 464287481 1,695 12,492 SH   SOLE 12,492 0 0 0
iShares Russell Midcap COM 464287499 85 1,576 SH   SOLE 1,576 0 0 0
iShares Russell Midcap Value COM 464287473 228 2,628 SH   SOLE 2,628 0 0 0
iShares Russell 3000 Index COM 000000089 10,361 62,156 SH   SOLE 62,156 0 0 0
iShares US Technology Index COM 464287721 260 1,366 SH   SOLE 1,366 0 0 0
iShares Dow Jones Total Market Index COM 464207846 124 878 SH   SOLE 878 0 0 0
S & P Mid Cap 400 Dep Rcpts Mid Cap COM 78467Y107 55 160 SH   SOLE 160 0 0 0
Munienhanced Fund Inc COM 09253Y100 4 416 SH   SOLE 416 0 0 0
VANECK VECTORS AGRIBUSINESS ET F COM 92189F700 22 350 SH   SOLE 350 0 0 0
iShares S&P National Muni Bond COM 464288414 12,394 111,465 SH   SOLE 111,465 0 0 0
Powershs Exch Trad Fd Tr COM 73935X302 31 1,750 SH   SOLE 1,750 0 0 0
Rydex Etf TRUST COM 78355W304 76 1,200 SH   SOLE 1,200 0 0 0
SPDR Dow Jones Global Real Estate ETF COM 78463X749 197 3,930 SH   SOLE 3,930 0 0 0
DJ Wilshire REIT ETF COM 78464A607 1,555 15,723 SH   SOLE 15,723 0 0 0
SPDR Dow Jones International Real Estate ETF COM 78463X863 2,794 71,136 SH   SOLE 71,136 0 0 0
Schwab US Small Cap ETF COM 808524607 114 1,634 SH   SOLE 1,634.4051 0 0 0
Schwab Intl Small Cap ETF COM 808524888 48 1,489 SH   SOLE 1,489 0 0 0
Sch US Div Equity Etf COM 808524797 26 500 SH   SOLE 500 0 0 0
Schwab Emerging Markets Equity ETF COM 808524706 24 929 SH   SOLE 929.435 0 0 0
Schwab FTSE Dev International COM 808524805 117 3,746 SH   SOLE 3,746.0104 0 0 0
Schwab US Large Cap Growth ETF COM 808524300 276 3,477 SH   SOLE 3,477 0 0 0
Schwab US REIT ETF COM 808524847 47 1,051 SH   SOLE 1,051 0 0 0
Schwab US Mid-Cap ETF COM 808524508 81 1,455 SH   SOLE 1,455 0 0 0
Schwab US TIPS ETF COM 808524870 12 216 SH   SOLE 215.7657 0 0 0
Schwab Intm US Trsr ETF COM 808524854 21 393 SH   SOLE 393 0 0 0
Schwab US Large Cap Value ETF COM 808524409 338 6,180 SH   SOLE 6,180 0 0 0
Schwab US Large Cap ETF COM 808524201 201 2,977 SH   SOLE 2,976.8044 0 0 0
Schwab US Aggregate Bond ETF COM 808524839 3 60 SH   SOLE 60.3689 0 0 0
iShares MSCI EAFE Small Cap COM 464288273 11,159 194,280 SH   SOLE 194,280 0 0 0
Proshs Ultrashrt S&P COM 74347R883 0 4 SH   SOLE 4 0 0 0
Spdr S&P Dividend Etf COM 78464A763 635 6,387 SH   SOLE 6,386.6395 0 0 0
Proshares Short S&P COM 74347B425 108 3,900 SH   SOLE 3,900 0 0 0
Spdr S&P 600 Small Cap COM 78464A813 42 630 SH   SOLE 630 0 0 0
SPDR DJ Small Cap Growth COM 78464A201 22,791 381,755 SH   SOLE 381,755 0 0 0
SPDR S&P 600 Small Cap Value ETF COM 78464A300 18 294 SH   SOLE 294 0 0 0
SPDR Trust - S&P 500 Index COM 78462F103 639 2,261 SH   SOLE 2,260.5293 0 0 0
SPDR S&P 500 Growth ETF COM 78464A409 70,498 1,894,603 SH   SOLE 1,894,603 0 0 0
SPDR S&P 500 Value ETF COM 78464A508 65 2,159 SH   SOLE 2,158.9269 0 0 0
iShares S&P Short Term Muni Fund COM 464288158 117 1,100 SH   SOLE 1,100 0 0 0
Ishares Tr Lehman Tips COM 464287176 58 512 SH   SOLE 512 0 0 0
Credit Suisse ETN COM 22542D571 0 1 SH   SOLE 1 0 0 0
Vanguard Small Cap ETf COM 922908751 53 349 SH   SOLE 349 0 0 0
Vanguard Consumr Staples ETF COM 92204A207 90 620 SH   SOLE 620 0 0 0
Vanguard Energy ETF COM 92204A306 4 50 SH   SOLE 50 0 0 0
Vanguard MSCI EAFE ETF COM 921943858 832 20,364 SH   SOLE 20,364 0 0 0
Vanguard Intl Eqty Index COM 922042775 5,068 101,049 SH   SOLE 101,049 0 0 0
Vanguard Div Apprciation COM 921908844 291 2,651 SH   SOLE 2,651 0 0 0
Vanguard Reit COM 922908553 856 9,849 SH   SOLE 9,849 0 0 0
Vanguard Global Ex US Real Estate COM 922042676 6,251 104,934 SH   SOLE 104,934 0 0 0
Vanguard Total World COM 922042742 1,481 20,241 SH   SOLE 20,241 0 0 0
Vanguard Total Stock Mkt COM 922908769 6,448 44,561 SH   SOLE 44,561 0 0 0
Vanguard Growth ETF COM 922908736 124 795 SH   SOLE 795 0 0 0
Vanguard FTSE Emerging Markets COM 922042858 22 513 SH   SOLE 513 0 0 0
Vanguard Whitehall Funds COM 921946406 13 152 SH   SOLE 152 0 0 0
Invesco S&P 500 Top 51 COM 78355W205 105 517 SH   SOLE 517 0 0 0
Sector Spdr Indl Select COM 81369Y704 60 795 SH   SOLE 795 0 0 0
Sector Spdr Util Select COM 81369Y886 14 240 SH   SOLE 240 0 0 0