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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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
3M CO COM 88579Y101 251 1,310 SH   SOLE 1,310 0 0
AMERICAN EXPRESS CO COM 025816109 217 2,745 SH   SOLE 2,745 0 0
APPLE INC COM 037833100 217 1,512 SH   DFND 0 0 1,512
APPLE INC COM 037833100 797 5,551 SH   SOLE 5,551 0 0
AT&T INC COM 00206R102 219 5,271 SH   SOLE 5,271 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 35,634 213,786 SH   SOLE 213,786 0 0
CHEVRON CORP NEW COM 166764100 290 2,702 SH   SOLE 2,702 0 0
FACEBOOK INC CL A 30303M102 2,399 16,885 SH   SOLE 16,885 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 15,093 615,294 SH   SOLE 615,294 0 0
GENERAL ELECTRIC CO COM 369604103 544 18,255 SH   SOLE 18,255 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 314 1,806 SH   SOLE 1,806 0 0
ISHARES MSCI EURZONE ETF 464286608 270 7,171 SH   SOLE 7,171 0 0
ISHARES INC CORE MSCI EMKT 46434G103 7,907 165,447 SH   SOLE 165,447 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,654 18,158 SH   SOLE 18,158 0 0
ISHARES TR TIPS BD ETF 464287176 847 7,390 SH   SOLE 7,390 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,146 4,831 SH   SOLE 4,831 0 0
ISHARES TR CORE US AGGBD ET 464287226 315 2,901 SH   SOLE 2,901 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 252 6,394 SH   SOLE 6,394 0 0
ISHARES TR IBOXX INV CP ETF 464287242 448 3,799 SH   SOLE 3,799 0 0
ISHARES TR MSCI EAFE ETF 464287465 390 6,258 SH   SOLE 6,258 0 0
ISHARES TR NASDQ BIOTEC ETF 464287556 376 1,282 SH   SOLE 1,282 0 0
ISHARES TR U.S. REAL ES ETF 464287739 2,196 27,977 SH   SOLE 27,977 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,308 18,916 SH   SOLE 18,916 0 0
ISHARES TR MICRO-CAP ETF 464288869 407 4,750 SH   SOLE 4,750 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 1,479 22,411 SH   SOLE 22,411 0 0
JOHNSON & JOHNSON COM 478160104 288 2,309 SH   SOLE 2,309 0 0
JPMORGAN CHASE & CO COM 46625H100 363 4,136 SH   SOLE 4,136 0 0
MERCK & CO INC COM 58933Y105 250 3,940 SH   SOLE 3,940 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 3,231 31,535 SH   SOLE 31,535 0 0
POWERSHARES ETF TRUST S&P 500 QLTY PRT 73935X682 19,438 710,186 SH   SOLE 710,186 0 0
PROCTER AND GAMBLE CO COM 742718109 276 3,071 SH   SOLE 3,071 0 0
PROSHARES TR DJ BRKFLD GLB 74347B508 6,542 155,950 SH   SOLE 155,950 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 29,947 532,766 SH   SOLE 532,766 0 0
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 2,178 23,977 SH   SOLE 23,977 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 16,958 297,201 SH   SOLE 297,201 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 32,836 693,758 SH   SOLE 693,758 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,223 19,416 SH   SOLE 19,416 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 524 17,106 SH   SOLE 17,106 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 43,614 1,256,513 SH   SOLE 1,256,513 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 550 18,425 SH   SOLE 18,425 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 17,699 564,908 SH   SOLE 564,908 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 359 6,736 SH   SOLE 6,736 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 403 10,585 SH   SOLE 10,585 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,224 17,920 SH   SOLE 17,920 0 0
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 259 5,389 SH   SOLE 5,389 0 0
SPDR SERIES TRUST CITI INT GVT ETF 78464A490 389 7,095 SH   SOLE 7,095 0 0
SPDR SERIES TRUST BLMBRG BRC INTRM 78464A672 53,012 885,491 SH   SOLE 885,491 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 13,419 106,814 SH   SOLE 106,814 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 50,910 235,314 SH   SOLE 235,314 0 0
VANGUARD INDEX FDS REIT ETF 922908553 30,940 374,624 SH   SOLE 374,624 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 48,673 983,893 SH   SOLE 983,893 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 4,702 58,307 SH   SOLE 58,307 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 255 1,882 SH   SOLE 1,882 0 0