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
ALLSTATE CORP Stock 020002101 728 12,873 SH   SOLE   12,873 0 0
COCA COLA CO Stock 191216100 301 7,782 SH   SOLE   7,782 0 0
DISCOVER FINANCIAL SERVICES LLC Stock 254709108 236 4,056 SH   SOLE   4,056 0 0
EXPRESS SCRIPTS INC Stock 30219G108 622 8,278 SH   SOLE   8,278 0 0
EXXON MOBIL CORP Stock 30231G102 937 9,590 SH   SOLE   9,590 0 0
GENERAL ELECTRIC CO Stock 369604103 272 10,498 SH   SOLE   10,498 0 0
ISHARES 1-3 YR CREDIT BOND ETF ETF 464288646 13,006 123,303 SH   SOLE   123,303 0 0
ISHARES 1-3 YR TREASURY BOND ETF ETF 464287457 7,265 86,025 SH   SOLE   86,025 0 0
ISHARES MSCI FLOATING RATE NOT E FUNDING ETF ETF 46429B655 11,573 228,214 SH   SOLE   228,214 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 20,225 202,572 SH   SOLE   202,572 0 0
ISHARES TIPS BOND ETF ETF 464287176 207 1,848 SH   SOLE   1,848 0 0
MEDTRONIC INC Stock 585055106 248 4,035 SH   SOLE   4,035 0 0
MERCK & CO INC Stock 58933Y105 3,052 53,757 SH   SOLE   53,757 0 0
MORGAN STANLEY DEAN WITTER INSD MUNI BD TR SHS OF BEN INT CEF 46132P108 183 12,681 SH   SOLE   12,681 0 0
PIMCO 1-5 YEAR US TIPS INDEX FUND ETF 72201R205 6,617 124,985 SH   SOLE   124,985 0 0
PIMCO ETF TR 0-5 YR HIGH YIELD CORP BD INDEX FD ETF 72201R783 9,876 92,639 SH   SOLE   92,639 0 0
PIMCO ETF TR INTER MUN BD STRATEGY FD ETF 72201R866 1,197 22,765 SH   SOLE   22,765 0 0
POWERSHARES BUYBACK ACHIEVERS PORTFOLIO ETF 73935X286 7,124 163,698 SH   SOLE   163,698 0 0
SCH US REIT ETF ETF 808524847 930 28,094 SH   SOLE   28,094 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 1,426 58,627 SH   SOLE   58,627 0 0
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 224 4,183 SH   SOLE   4,183 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 23,786 755,116 SH   SOLE   755,116 0 0
SCHWAB INTMEDIATE TERM US TREASURY ETF ETF 808524854 1,438 27,362 SH   SOLE   27,362 0 0
SCHWAB SHORT TERM US TREASURY ETF ETF 808524862 2,386 47,210 SH   SOLE   47,210 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 3,484 77,933 SH   SOLE   77,933 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,315 25,724 SH   SOLE   25,724 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 4,004 108,668 SH   SOLE   108,668 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 3,397 73,839 SH   SOLE   73,839 0 0
SCHWAB US LARGE CAP VALUE ETF ETF 808524409 1,948 47,282 SH   SOLE   47,282 0 0
SCHWAB US MID-CAP ETF ETF 808524508 1,208 31,299 SH   SOLE   31,299 0 0
SCHWAB US TIPS ETF ETF 808524870 512 9,484 SH   SOLE   9,484 0 0
SPDR S&P 500 ETF ETF 78462F103 390 2,087 SH   SOLE   2,087 0 0
SPDR SHORT-TERM MUNICIPAL BOND ETF ETF 78464A425 1,980 81,601 SH   SOLE   81,601 0 0
VANGUARD REIT INDEX ETF 922908553 7,404 104,838 SH   SOLE   104,838 0 0
VANGUARD SHORT TERM BOND ETF 921937827 240 2,995 SH   SOLE   2,995 0 0
WISDOM TREE GLOBAL EQUITY INCOME FUND ETF 97717W877 258 5,443 SH   SOLE   5,443 0 0
WISDOMTREE EMERGING MARKETS EQUITY INCOME ETF ETF 97717W315 6,617 134,845 SH   SOLE   134,845 0 0
WISDOMTREE EMERGING MKTS LOCAL DEBT ETF ETF 97717X867 3,383 73,747 SH   SOLE   73,747 0 0
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307 28,754 425,034 SH   SOLE   425,034 0 0
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505 8,744 113,473 SH   SOLE   113,473 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604 1,808 26,487 SH   SOLE   26,487 0 0