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		<n1:nameOfIssuer>POWERSHARES QQQ TR</n1:nameOfIssuer>
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		<n1:value>345</n1:value>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES FUNDAMENTAL HIGH YLD CORP BD</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
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		<n1:value>243</n1:value>
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	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES MSCI EMERGING MARKETS ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464287234</n1:cusip>
		<n1:value>3064</n1:value>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
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	<n1:infoTable>
		<n1:nameOfIssuer>SPDR NUVEEN BARCLAYS SHORT TERM MUNICIPAL BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>78468R739</n1:cusip>
		<n1:value>4116</n1:value>
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			<n1:sshPrnamt>83870</n1:sshPrnamt>
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		<n1:votingAuthority>
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	<n1:infoTable>
		<n1:nameOfIssuer>COCA COLA CO</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
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		<n1:value>345</n1:value>
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			<n1:sshPrnamt>7600</n1:sshPrnamt>
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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:nameOfIssuer>VANGUARD REIT INDEX ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>922908553</n1:cusip>
		<n1:value>1477</n1:value>
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			<n1:sshPrnamt>16660</n1:sshPrnamt>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
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	<n1:infoTable>
		<n1:nameOfIssuer>MEDTRONIC PLC SHS</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>G5960L103</n1:cusip>
		<n1:value>350</n1:value>
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			<n1:sshPrnamt>4035</n1:sshPrnamt>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
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	<n1:infoTable>
		<n1:nameOfIssuer>MERCK &amp; CO INC COM</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>58933Y105</n1:cusip>
		<n1:value>2997</n1:value>
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			<n1:sshPrnamt>52022</n1:sshPrnamt>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>52022</n1:Sole>
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	<n1:infoTable>
		<n1:nameOfIssuer>SPDR S&amp;P 500 TRUST</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>78462F103</n1:cusip>
		<n1:value>388</n1:value>
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			<n1:sshPrnamt>1854</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 FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464289883</n1:cusip>
		<n1:value>3319</n1:value>
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			<n1:sshPrnamt>101146</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>101146</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>381</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3267</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>3267</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VERIZON COMMUNICATIONS</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>92343V104</n1:cusip>
		<n1:value>257</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4601</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:nameOfIssuer>JPMORGAN ALERIAN MLP INDEX ETN</n1:nameOfIssuer>
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		<n1:cusip>46625H365</n1:cusip>
		<n1:value>4421</n1:value>
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			<n1:sshPrnamt>138971</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>138971</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>4005</n1:value>
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			<n1:sshPrnamt>75798</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>75798</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB ETFS- US SMALL-CAP ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524607</n1:cusip>
		<n1:value>1460</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>27020</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>27020</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. BROAD MARKET ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524102</n1:cusip>
		<n1:value>717</n1:value>
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			<n1:sshPrnamt>14255</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>14255</n1:Sole>
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			<n1:None>0</n1:None>
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	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB INTERNATIONAL EQUITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524805</n1:cusip>
		<n1:value>24090</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>888590</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>888590</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR US LRG CAP ETF</n1:nameOfIssuer>
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		<n1:cusip>808524201</n1:cusip>
		<n1:value>1291</n1:value>
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			<n1:sshPrnamt>25942</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>25942</n1:Sole>
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			<n1:None>0</n1:None>
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	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB U.S. LARGE-CAP GROWTH ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524300</n1:cusip>
		<n1:value>4869</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>92787</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>92787</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB EMERGING MARKET EQ ETF </n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524706</n1:cusip>
		<n1:value>7548</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>354512</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>354512</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>92206C409</n1:cusip>
		<n1:value>11177</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>138266</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>138266</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524888</n1:cusip>
		<n1:value>2206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>76610</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>76610</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>INVESCO VALUE MUN INCOME TR COM</n1:nameOfIssuer>
		<n1:titleOfClass>CEF</n1:titleOfClass>
		<n1:cusip>46132P108</n1:cusip>
		<n1:value>178</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10000</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>10000</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>3850</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>89137</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>89137</n1:Sole>
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			<n1:None>0</n1:None>
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	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB SHORT-TERM U.S. TREASURY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524862</n1:cusip>
		<n1:value>713</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>13992</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>13992</n1:Sole>
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			<n1:None>0</n1:None>
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	<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>1412</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>31535</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>31535</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>2774</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>50354</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
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		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>50354</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>778</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>13768</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>13768</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<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>2053</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>36687</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>36687</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PIMCO INVESTMENT GRADE CORPORATE BOND INDEX EXCHANGE-TRADED FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>72201R817</n1:cusip>
		<n1:value>5536</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>52091</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>52091</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>9353</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>215302</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>215302</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB US MID-CAP ETF </n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>808524508</n1:cusip>
		<n1:value>1382</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>32893</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>32893</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES FLOATING RATE BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>46429B655</n1:cusip>
		<n1:value>2298</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>45406</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>45406</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>13622</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>253579</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>253579</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>3952</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>95355</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>95355</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DEUTSCHE X-TRACKERS MSCI EAFE HEDGED EQUITY ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>233051200</n1:cusip>
		<n1:value>258</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10340</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>10340</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>6334</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>88388</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>88388</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES FTSE RAFI US 1500 SMALL-MID PORTFOLIO</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73935X567</n1:cusip>
		<n1:value>289</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2967</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>2967</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR MSCI ACWI EX-US ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>78463X848</n1:cusip>
		<n1:value>8315</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>273081</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>273081</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES 1-3 YEAR CREDIT BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464288646</n1:cusip>
		<n1:value>483</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4556</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>4556</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717W760</n1:cusip>
		<n1:value>279</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4969</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>4969</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GUGGENHEIM BULLETSHARES 2020 CORPORATE BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>18383M514</n1:cusip>
		<n1:value>1511</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>69586</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>69586</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES S&amp;P 500 QUALITY PORTFOLIO</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73935X682</n1:cusip>
		<n1:value>9675</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>389634</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>389634</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE TRUST U.S. DIVIDEND GROWTHFUND</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>97717X669</n1:cusip>
		<n1:value>6840</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>216602</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>216602</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>5561</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>73399</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>73399</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>8725</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>97483</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>97483</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GENERAL ELECTRIC CO COM</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>369604103</n1:cusip>
		<n1:value>352</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>11200</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>11200</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DIREXION ALL CAP INSIDER SENTIMENT SHARES</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>25459Y769</n1:cusip>
		<n1:value>5173</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>71062</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>71062</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</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>573</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6165</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>6165</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</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>19032</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>163251</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>163251</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES DWA MOMENTUM PORTFOLIO</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73935X153</n1:cusip>
		<n1:value>340</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8076</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>8076</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</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>8916</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>78264</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>78264</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EXPRESS SCRIPTS INC </n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>30219G108</n1:cusip>
		<n1:value>578</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7620</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>7620</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES EMERGING MARKETS SOVEREIGN DEBT PORTFOLIO</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73936T573</n1:cusip>
		<n1:value>724</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>24463</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>24463</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES MSCI EAFE SMALL-CAP ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464288273</n1:cusip>
		<n1:value>437</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9057</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>9057</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>POWERSHARES BUYBACK ACHIEVERS PORTFOLIO</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>73935X286</n1:cusip>
		<n1:value>2895</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>64044</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>64044</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF</n1:nameOfIssuer>
		<n1:titleOfClass>ETF</n1:titleOfClass>
		<n1:cusip>464288281</n1:cusip>
		<n1:value>3846</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>33400</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>33400</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EXXON MOBIL CORP COM</n1:nameOfIssuer>
		<n1:titleOfClass>Stock</n1:titleOfClass>
		<n1:cusip>30231G102</n1:cusip>
		<n1:value>873</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9317</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>9317</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GLAXOSMITHKLINE PLC SPONSORED ADR</n1:nameOfIssuer>
		<n1:titleOfClass>ADR</n1:titleOfClass>
		<n1:cusip>37733W105</n1:cusip>
		<n1:value>263</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6079</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>6079</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>0</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
</n1:informationTable>
