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
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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
POWERSHARES QQQ TR ETF 73935A104 631 5,641 SH   SOLE   5,641 0 0
POWERSHARES FUNDAMENTAL HIGH YIELD CORPORATE BOND FUND ETF 73936T557 247 14,149 SH   SOLE   14,149 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 4,510 140,105 SH   SOLE   140,105 0 0
COCA COLA CO COM Stock 191216100 326 7,600 SH   SOLE   7,600 0 0
VANGUARD REIT INDEX ETF ETF 922908553 1,758 22,055 SH   SOLE   22,055 0 0
MEDTRONIC PLC SHS Stock G5960L103 310 4,035 SH   SOLE   4,035 0 0
MERCK & CO INC NEW COM Stock 58933Y105 2,783 52,635 SH   SOLE   52,635 0 0
SPDR S&P 500 TRUST ETF 78462F103 643 3,155 SH   SOLE   3,155 0 0
ISHARES CONSERVATIVE ALLOCATION FUND ETF 464289883 3,411 107,798 SH   SOLE   107,798 0 0
ISHARES TIPS BOND ETF ETF 464287176 251 2,292 SH   SOLE   2,292 0 0
VERIZON COMMUNICATIONS Stock 92343V104 288 6,240 SH   SOLE   6,240 0 0
JP MORGAN ALERIAN MLP ETN ETF 46625H365 3,792 130,892 SH   SOLE   130,892 0 0
PIMCO 1-5 YEAR U.S. TIPS INDEX EXCHANGE-TRADED FUND ETF 72201R205 3,890 75,792 SH   SOLE   75,792 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 715 13,721 SH   SOLE   13,721 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 580 11,819 SH   SOLE   11,819 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 18,585 674,361 SH   SOLE   674,361 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 1,007 20,729 SH   SOLE   20,729 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 4,640 87,826 SH   SOLE   87,826 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 2,599 133,224 SH   SOLE   133,224 0 0
VANGUARD SHORT TERM CORP BOND FD ETF ETF 92206C409 9,576 121,229 SH   SOLE   121,229 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 2,120 73,535 SH   SOLE   73,535 0 0
INVESCO VALUE MUN INCOME TR COM CEF 46132P108 163 10,000 SH   SOLE   10,000 0 0
UNITED STATES COMMODITY INDEX FUND ETF 911717106 3,206 79,224 SH   SOLE   79,224 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 640 12,681 SH   SOLE   12,681 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,346 31,719 SH   SOLE   31,719 0 0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R866 2,776 51,432 SH   SOLE   51,432 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 628 11,823 SH   SOLE   11,823 0 0
SCHWAB INTERMEDIATE-TERM U.S. TREASURY ETF ETF 808524854 1,757 32,789 SH   SOLE   32,789 0 0
WISDOMTREE MANAGED FUTURES STRATEGY FUND ETF 97717W125 321 7,672 SH   SOLE   7,672 0 0
SCHWAB U.S. REIT ETF ETF 808524847 7,867 198,464 SH   SOLE   198,464 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 1,248 31,156 SH   SOLE   31,156 0 0
POWERSHARES S&P 500 LOW VOLATILITY PORTFOLIO ETF 73937B779 337 8,744 SH   SOLE   8,744 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 2,547 50,493 SH   SOLE   50,493 0 0
REGENERON PHARMACEUTICALS COM Stock 75886F107 212 390 SH   SOLE   390 0 0
SPDR BARCLAYS ISSUER SCORED CORPORATE BOND ETF ETF 78464A144 5,194 167,577 SH   SOLE   167,577 0 0
PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 4,405 48,077 SH   SOLE   48,077 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 7,698 149,467 SH   SOLE   149,467 0 0
SPDR NUVEEN S&P HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 2,596 45,498 SH   SOLE   45,498 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 4,066 105,449 SH   SOLE   105,449 0 0
DBX ETF TR MSCI EAFECURRENCY HEDGED EQUITY FD ETF 233051200 300 11,037 SH   SOLE   11,037 0 0
WISDOMTREE SMALLCAP DIVIDEND ETF 97717W604 1,782 27,448 SH   SOLE   27,448 0 0
POWERSHARES FTSE RAFI US 1500 SMALL-MID PORTFOLIO ETF 73935X567 297 3,168 SH   SOLE   3,168 0 0
SPDR MSCI ACWI EX-US ETF ETF 78463X848 8,067 261,902 SH   SOLE   261,902 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF ETF 464288646 1,654 15,816 SH   SOLE   15,816 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 309 5,310 SH   SOLE   5,310 0 0
GUGGENHEIM BULLETSHARES 2020 CORPORATE BOND ETF ETF 18383M514 1,268 60,676 SH   SOLE   60,676 0 0
POWERSHARES S&P 500 HIGH QUALITY PORTFOLIO ETF 73935X682 7,602 328,648 SH   SOLE   328,648 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 10,373 341,774 SH   SOLE   341,774 0 0
WISDOMTREE LARGE CAP DIVIDEND ETF 97717W307 7,700 108,239 SH   SOLE   108,239 0 0
WISDOMTREE MIDCAP DIVIDEND ETF 97717W505 8,100 100,606 SH   SOLE   100,606 0 0
GENERAL ELECTRIC CO COM Stock 369604103 391 12,591 SH   SOLE   12,591 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 546 6,165 SH   SOLE   6,165 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 18,877 163,012 SH   SOLE   163,012 0 0
POWERSHARES DWA MOMENTUM PORTFOLIO ETF 73935X153 366 8,837 SH   SOLE   8,837 0 0
ISHARES NATIONAL AMT-FREE MUNI BOND ETF ETF 464288414 5,718 51,644 SH   SOLE   51,644 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 5,029 136,942 SH   SOLE   136,942 0 0
EXPRESS SCRIPTS HLDG CO COM Stock 30219G108 719 8,220 SH   SOLE   8,220 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 2,024 61,879 SH   SOLE   61,879 0 0
POWERSHARES EMERGING MKTS SOVEREIGN DEBT ETF 73936T573 612 22,402 SH   SOLE   22,402 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 624 12,492 SH   SOLE   12,492 0 0
POWERSHARES BUYBACK ACHIEVERS PORTFOLIO ETF 73935X286 7,011 154,231 SH   SOLE   154,231 0 0
SPDR NUVEEN BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78464A425 3,726 152,954 SH   SOLE   152,954 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 206 2,166 SH   SOLE   2,166 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 3,998 37,796 SH   SOLE   37,796 0 0
EXXON MOBIL CORP COM Stock 30231G102 726 9,317 SH   SOLE   9,317 0 0
ISHARES MSCI EAFE ETF ETF 464287465 266 4,522 SH   SOLE   4,522 0 0
POWERSHARES GLOBAL PREFERRED ETF ETF 73936T565 150 10,002 SH   SOLE   10,002 0 0