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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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 TRUST, SERIES 1 ETF 73935A104 598 5,473 SH   SOLE   5,473 0 0
POWERSHARES FUNDAMENTAL HIGH YIELD CORPORATE BOND FUND ETF 73936T557 236 13,237 SH   SOLE   13,237 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 4,024 117,500 SH   SOLE   117,500 0 0
SPDR NUVEEN BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 3,913 80,146 SH   SOLE   80,146 0 0
COCA COLA CO COM Stock 191216100 353 7,600 SH   SOLE   7,600 0 0
VANGUARD REIT INDEX ETF ETF 922908553 1,412 16,845 SH   SOLE   16,845 0 0
MEDTRONIC PLC SHS Stock G5960L103 303 4,035 SH   SOLE   4,035 0 0
MERCK & CO INC NEW COM Stock 58933Y105 2,783 52,560 SH   SOLE   52,560 0 0
SPDR S&P 500 TRUST ETF 78462F103 566 2,754 SH   SOLE   2,754 0 0
ISHARES CONSERVATIVE ALLOCATION FUND ETF 464289883 3,442 106,641 SH   SOLE   106,641 0 0
ISHARES TIPS BOND ETF ETF 464287176 272 2,376 SH   SOLE   2,376 0 0
VERIZON COMMUNICATIONS Stock 92343V104 279 5,161 SH   SOLE   5,161 0 0
JP MORGAN ALERIAN MLP ETN ETF 46625H365 3,677 135,721 SH   SOLE   135,721 0 0
PIMCO 1-5 YEAR U.S. TIPS INDEX EXCHANGE-TRADED FUND ETF 72201R205 3,908 74,651 SH   SOLE   74,651 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 767 14,737 SH   SOLE   14,737 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 608 12,339 SH   SOLE   12,339 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 23,473 865,841 SH   SOLE   865,841 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 1,281 26,228 SH   SOLE   26,228 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 4,679 89,266 SH   SOLE   89,266 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 5,837 281,021 SH   SOLE   281,021 0 0
VANGUARD SHORT TERM CORP BOND FD ETF ETF 92206C409 10,713 133,862 SH   SOLE   133,862 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 2,162 74,696 SH   SOLE   74,696 0 0
INVESCO VALUE MUN INCOME TR COM CEF 46132P108 171 10,000 SH   SOLE   10,000 0 0
UNITED STATES COMMODITY INDEX FUND ETF 911717106 3,324 82,232 SH   SOLE   82,232 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 661 13,007 SH   SOLE   13,007 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,394 32,262 SH   SOLE   32,262 0 0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R866 2,759 50,859 SH   SOLE   50,859 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 709 12,769 SH   SOLE   12,769 0 0
SCHWAB INTERMEDIATE-TERM U.S. TREASURY ETF ETF 808524854 1,890 34,224 SH   SOLE   34,224 0 0
SCHWAB U.S. REIT ETF ETF 808524847 8,813 212,867 SH   SOLE   212,867 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 1,302 32,084 SH   SOLE   32,084 0 0
POWERSHARES S&P 500 LOW VOLATILITY PORTFOLIO ETF 73937B779 369 9,144 SH   SOLE   9,144 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 2,205 43,729 SH   SOLE   43,729 0 0
SPDR BARCLAYS ISSUER SCORED CORPORATE BOND ETF ETF 78464A144 5,278 165,714 SH   SOLE   165,714 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 13,108 248,160 SH   SOLE   248,160 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 4,117 102,701 SH   SOLE   102,701 0 0
DEUTSCHE X-TRACKERS MSCI EAFE HEDGED EQUITY ETF ETF 233051200 264 10,349 SH   SOLE   10,349 0 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF 97717W604 1,865 27,133 SH   SOLE   27,133 0 0
POWERSHARES FTSE RAFI US 1500 SMALL-MID PORTFOLIO ETF 73935X567 280 2,970 SH   SOLE   2,970 0 0
SPDR MSCI ACWI EX-US ETF ETF 78463X848 8,278 268,680 SH   SOLE   268,680 0 0
ISHARES 1-3 YR CREDIT BOND ETF ETF 464288646 603 5,721 SH   SOLE   5,721 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 293 4,974 SH   SOLE   4,974 0 0
GUGGENHEIM BULLETSHARES 2020 CORPORATE BOND ETF ETF 18383M514 1,389 64,921 SH   SOLE   64,921 0 0
POWERSHARES S&P 500 HIGH QUALITY PORTFOLIO ETF 73935X682 8,866 360,395 SH   SOLE   360,395 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 10,618 339,543 SH   SOLE   339,543 0 0
WISDOMTREE LARGECAP DIVIDEND FUND ETF 97717W307 6,903 94,040 SH   SOLE   94,040 0 0
WISDOMTREE MIDCAP DIVIDEND FUND ETF 97717W505 8,517 98,910 SH   SOLE   98,910 0 0
GENERAL ELECTRIC CO COM Stock 369604103 399 12,597 SH   SOLE   12,597 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 554 6,165 SH   SOLE   6,165 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 18,586 160,378 SH   SOLE   160,378 0 0
POWERSHARES DWA MOMENTUM PORTFOLIO ETF 73935X153 330 8,083 SH   SOLE   8,083 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 8,308 74,409 SH   SOLE   74,409 0 0
EXPRESS SCRIPTS HLDG CO COM Stock 30219G108 565 8,220 SH   SOLE   8,220 0 0
POWERSHARES EMERGING MARKETS SOVEREIGN DEBT PORTFOLIO ETF 73936T573 662 23,410 SH   SOLE   23,410 0 0
ISHARES MSCI EAFE SMALL CAP ETF ETF 464288273 583 11,709 SH   SOLE   11,709 0 0
POWERSHARES BUYBACK ACHIEVERS PORTFOLIO ETF 73935X286 6,936 153,035 SH   SOLE   153,035 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 3,616 32,769 SH   SOLE   32,769 0 0
EXXON MOBIL CORP COM Stock 30231G102 779 9,317 SH   SOLE   9,317 0 0
ISHARES MSCI EAFE ETF ETF 464287465 258 4,522 SH   SOLE   4,522 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR ADR 37733W105 247 6,079 SH   SOLE   6,079 0 0