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		<n1:nameOfIssuer>ALLSTATE CORP</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>020002101</n1:cusip>
		<n1:value>812</n1:value>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>COCA COLA CO</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>191216100</n1:cusip>
		<n1:value>328</n1:value>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
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	<n1:infoTable>
		<n1:nameOfIssuer>EXPRESS SCRIPTS INC </n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>30219G108</n1:cusip>
		<n1:value>688</n1:value>
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			<n1:sshPrnamt>8228</n1:sshPrnamt>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
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	<n1:infoTable>
		<n1:nameOfIssuer>EXXON MOBIL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>30231G102</n1:cusip>
		<n1:value>859</n1:value>
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			<n1:sshPrnamt>9540</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>9540</n1:Sole>
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	<n1:infoTable>
		<n1:nameOfIssuer>GENERAL ELECTRIC CO</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>369604103</n1:cusip>
		<n1:value>276</n1:value>
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			<n1:sshPrnamt>11553</n1:sshPrnamt>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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	<n1:infoTable>
		<n1:nameOfIssuer>INVESCO VALUE MUN INCOME TR COM</n1:nameOfIssuer>
		<n1:titleOfClass>CEF</n1:titleOfClass>
		<n1:cusip>46132P108</n1:cusip>
		<n1:value>164</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10000</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>10000</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES 1-3 YR CREDIT BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464288646</n1:cusip>
		<n1:value>11799</n1:value>
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			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
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	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES 1-3 YR TREASURY BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287457</n1:cusip>
		<n1:value>6720</n1:value>
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			<n1:sshPrnamt>79260</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES AMT-FREE MUNI BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464288414</n1:cusip>
		<n1:value>3819</n1:value>
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			<n1:sshPrnamt>34346</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES CONSERVATIVE ALLOCATION ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464289883</n1:cusip>
		<n1:value>628</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>19298</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464288281</n1:cusip>
		<n1:value>4279</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>38992</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>38992</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES MSCI EAFE ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287465</n1:cusip>
		<n1:value>237</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3964</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES MSCI EMERGING MARKETS ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287234</n1:cusip>
		<n1:value>6658</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>169470</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES MSCI FLOATING RATE NOT E FUNDING ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>46429B655</n1:cusip>
		<n1:value>5410</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>106997</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>106997</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287309</n1:cusip>
		<n1:value>19601</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>177144</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>177144</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES S&amp;P 500 VALUE ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287408</n1:cusip>
		<n1:value>563</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6165</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>6165</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GROWTH INDEX</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287606</n1:cusip>
		<n1:value>228</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1425</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>1425</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TIPS BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287176</n1:cusip>
		<n1:value>219</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1942</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>1942</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>JP MORGAN ALERIAN MLP ETN</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>46625H365</n1:cusip>
		<n1:value>4658</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>111436</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>111436</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MEDTRONIC INC</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>585055106</n1:cusip>
		<n1:value>294</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4035</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>4035</n1:Sole>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MERCK &amp; CO INC</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>58933Y105</n1:cusip>
		<n1:value>3340</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>53712</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>53712</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>72201R783</n1:cusip>
		<n1:value>4662</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>46130</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>46130</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PIMCO 1-5 YEAR U.S. TIPS INDEX EXCHANGE-TRADED FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>72201R205</n1:cusip>
		<n1:value>5638</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>108884</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>108884</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>72201R866</n1:cusip>
		<n1:value>3903</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>72209</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>72209</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES BUYBACK ACHIEVERS PORTFOLIO</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73935X286</n1:cusip>
		<n1:value>7707</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>163292</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES SP500 LOW VOLATILITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73937B779</n1:cusip>
		<n1:value>417</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10962</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB EMERGING MARKETS EQUITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524706</n1:cusip>
		<n1:value>1921</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>80265</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>80265</n1:Sole>
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			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB INTERMEDIATE-TERM U.S. TREASURY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524854</n1:cusip>
		<n1:value>1522</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>28005</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>28005</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB INTERNATIONAL EQUITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524805</n1:cusip>
		<n1:value>22763</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>801788</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>801788</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB SHORT TERM US TREASURY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524862</n1:cusip>
		<n1:value>2355</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>46457</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>46457</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. LARGE-CAP ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524201</n1:cusip>
		<n1:value>4005</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>82945</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>82945</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. LARGE-CAP VALUE ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524409</n1:cusip>
		<n1:value>2170</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>50036</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>50036</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. MID-CAP ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524508</n1:cusip>
		<n1:value>1358</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>33808</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>33808</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. REIT ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524847</n1:cusip>
		<n1:value>934</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>22649</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>22649</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. SMALL-CAP ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524607</n1:cusip>
		<n1:value>265</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4900</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>4900</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. TIPS ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524870</n1:cusip>
		<n1:value>564</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10339</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>10339</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB US AGGREGATE BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524839</n1:cusip>
		<n1:value>3333</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>63107</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>63107</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524797</n1:cusip>
		<n1:value>5331</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>134701</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>134701</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB US LARGE CAP GROWTH ETF </n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524300</n1:cusip>
		<n1:value>3949</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>77462</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>77462</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR NUVEEN BARCLAYS SHORT TERM MUNICIPAL BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>78464A425</n1:cusip>
		<n1:value>3798</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>155961</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>155961</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR NUVEEN S&amp;P HIGH YIELD MUNICIPAL BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>78464A284</n1:cusip>
		<n1:value>2402</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>41195</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>41195</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR S&amp;P 500 ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>78462F103</n1:cusip>
		<n1:value>585</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2893</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>2893</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>UNITED STATES COMMODITY INDEX FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>911717106</n1:cusip>
		<n1:value>1343</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>28661</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>28661</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>922042858</n1:cusip>
		<n1:value>299</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7464</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>7464</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD REIT INDEX ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>922908553</n1:cusip>
		<n1:value>6336</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>73975</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>73975</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD SMALL CAP ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>922908751</n1:cusip>
		<n1:value>436</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3804</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>3804</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD TOTAL STK MKT</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>922908769</n1:cusip>
		<n1:value>417</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4001</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>4001</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VRINGO INC COM</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>92911N104</n1:cusip>
		<n1:value>5</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10516</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>10516</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE EMERGING MARKETS EQUITY INCOME ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717W315</n1:cusip>
		<n1:value>202</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4769</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>4769</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE LARGECAP DIVIDEND FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717W307</n1:cusip>
		<n1:value>29842</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>407735</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>407735</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE MANAGED FUTURES STRATEGY FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717W125</n1:cusip>
		<n1:value>255</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5826</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>5826</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE MIDCAP DIVIDEND FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717W505</n1:cusip>
		<n1:value>8712</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>105221</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>105221</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE SMALLCAP DIVIDEND FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717W604</n1:cusip>
		<n1:value>1809</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>26064</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>26064</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
</n1:informationTable>
