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 COM 020002101 756 12,873 SH   SOLE   12,873 0 0
COCA COLA CO COM 191216100 322 7,600 SH   SOLE   7,600 0 0
DISCOVER FINANCIAL SERVICES LLC COM 254709108 251 4,056 SH   SOLE   4,056 0 0
EXPRESS SCRIPTS INC COM 30219G108 574 8,286 SH   SOLE   8,286 0 0
EXXON MOBIL CORP COM 30231G102 966 9,590 SH   SOLE   9,590 0 0
GENERAL ELECTRIC CO COM 369604103 276 10,501 SH   SOLE   10,501 0 0
ISHARES 1-3 YR CREDIT BOND ETF ETF 464288646 12,603 119,253 SH   SOLE   119,253 0 0
ISHARES 1-3 YR TREASURY BOND ETF ETF 464287457 6,994 82,715 SH   SOLE   82,715 0 0
ISHARES MSCI FLOATING RATE NOT E FUNDING ETF ETF 46429B655 5,895 116,034 SH   SOLE   116,034 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 20,369 193,643 SH   SOLE   193,643 0 0
ISHARES TIPS BOND ETF ETF 464287176 201 1,743 SH   SOLE   1,743 0 0
MEDTRONIC INC COM 585055106 257 4,035 SH   SOLE   4,035 0 0
MERCK & CO INC COM 58933Y105 3,093 53,466 SH   SOLE   53,466 0 0
MORGAN STANLEY DEAN WITTER INSD MUNI BD TR SHS OF BEN INT CEF 46132P108 190 12,681 SH   SOLE   12,681 0 0
PIMCO 1-5 YEAR US TIPS INDEX FUND ETF 72201R205 6,577 122,774 SH   SOLE   122,774 0 0
PIMCO ETF TR 0-5 YR HIGH YIELD CORP BD INDEX FD ETF 72201R783 8,118 75,964 SH   SOLE   75,964 0 0
PIMCO ETF TR INTER MUN BD STRATEGY FD ETF 72201R866 2,021 37,974 SH   SOLE   37,974 0 0
POWERSHARES BUYBACK ACHIEVERS PORTFOLIO ETF 73935X286 7,097 158,241 SH   SOLE   158,241 0 0
POWERSHARES SP500 LOW VOLATILITY ETF ETF 73937B779 338 9,510 SH   SOLE   9,510 0 0
SCH US REIT ETF ETF 808524847 968 27,354 SH   SOLE   27,354 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 1,736 66,678 SH   SOLE   66,678 0 0
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 256 4,671 SH   SOLE   4,671 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 24,894 754,822 SH   SOLE   754,822 0 0
SCHWAB INTMEDIATE TERM US TREASURY ETF ETF 808524854 1,682 31,659 SH   SOLE   31,659 0 0
SCHWAB SHORT TERM US TREASURY ETF ETF 808524862 2,711 53,548 SH   SOLE   53,548 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 3,627 77,446 SH   SOLE   77,446 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 3,465 66,772 SH   SOLE   66,772 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 4,597 120,118 SH   SOLE   120,118 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 3,800 78,323 SH   SOLE   78,323 0 0
SCHWAB US LARGE CAP VALUE ETF ETF 808524409 2,324 54,255 SH   SOLE   54,255 0 0
SCHWAB US MID-CAP ETF ETF 808524508 1,424 35,389 SH   SOLE   35,389 0 0
SCHWAB US TIPS ETF ETF 808524870 583 10,460 SH   SOLE   10,460 0 0
SPDR S&P 500 ETF ETF 78462F103 604 3,087 SH   SOLE   3,087 0 0
SPDR SERIES TRUST NUVEEN S&P HIGH YLD MUN B ETF ETF 78464A284 972 17,268 SH   SOLE   17,268 0 0
SPDR SHORT-TERM MUNICIPAL BOND ETF ETF 78464A425 2,486 102,160 SH   SOLE   102,160 0 0
VANGUARD REIT INDEX ETF ETF 922908553 7,594 101,474 SH   SOLE   101,474 0 0
WISDOMTREE EMERGING MARKETS EQUITY INCOME ETF ETF 97717W315 6,825 131,652 SH   SOLE   131,652 0 0
WISDOMTREE EMERGING MKTS LOCAL DEBT ETF ETF 97717X867 3,456 72,697 SH   SOLE   72,697 0 0
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307 29,223 412,719 SH   SOLE   412,719 0 0
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505 8,972 109,876 SH   SOLE   109,876 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604 1,782 25,444 SH   SOLE   25,444 0 0