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 TR ETF 73935A104 345 3,206 SH   SOLE   3,206 0 0
POWERSHARES FUNDAMENTAL HIGH YLD CORP BD ETF 73936T557 243 13,225 SH   SOLE   13,225 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 3,064 89,165 SH   SOLE   89,165 0 0
SPDR NUVEEN BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 4,116 83,870 SH   SOLE   83,870 0 0
COCA COLA CO Stock 191216100 345 7,600 SH   SOLE   7,600 0 0
VANGUARD REIT INDEX ETF ETF 922908553 1,477 16,660 SH   SOLE   16,660 0 0
MEDTRONIC PLC SHS Stock G5960L103 350 4,035 SH   SOLE   4,035 0 0
MERCK & CO INC COM Stock 58933Y105 2,997 52,022 SH   SOLE   52,022 0 0
SPDR S&P 500 TRUST ETF 78462F103 388 1,854 SH   SOLE   1,854 0 0
ISHARES CONSERVATIVE ALLOCATION FUND ETF 464289883 3,319 101,146 SH   SOLE   101,146 0 0
ISHARES TIPS BOND ETF ETF 464287176 381 3,267 SH   SOLE   3,267 0 0
VERIZON COMMUNICATIONS Stock 92343V104 257 4,601 SH   SOLE   4,601 0 0
JPMORGAN ALERIAN MLP INDEX ETN ETF 46625H365 4,421 138,971 SH   SOLE   138,971 0 0
PIMCO 1-5 YEAR U.S. TIPS INDEX EXCHANGE-TRADED FUND ETF 72201R205 4,005 75,798 SH   SOLE   75,798 0 0
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 1,460 27,020 SH   SOLE   27,020 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 717 14,255 SH   SOLE   14,255 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 24,090 888,590 SH   SOLE   888,590 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 1,291 25,942 SH   SOLE   25,942 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 4,869 92,787 SH   SOLE   92,787 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 7,548 354,512 SH   SOLE   354,512 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 11,177 138,266 SH   SOLE   138,266 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 2,206 76,610 SH   SOLE   76,610 0 0
INVESCO VALUE MUN INCOME TR COM CEF 46132P108 178 10,000 SH   SOLE   10,000 0 0
UNITED STATES COMMODITY INDEX FUND ETF 911717106 3,850 89,137 SH   SOLE   89,137 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 713 13,992 SH   SOLE   13,992 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,412 31,535 SH   SOLE   31,535 0 0
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE EXCHANGE-TRADED FUND ETF 72201R866 2,774 50,354 SH   SOLE   50,354 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 778 13,768 SH   SOLE   13,768 0 0
SCHWAB INTERMEDIATE-TERM U.S. TREASURY ETF ETF 808524854 2,053 36,687 SH   SOLE   36,687 0 0
PIMCO INVESTMENT GRADE CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R817 5,536 52,091 SH   SOLE   52,091 0 0
SCHWAB U.S. REIT ETF ETF 808524847 9,353 215,302 SH   SOLE   215,302 0 0
SCHWAB US MID-CAP ETF ETF 808524508 1,382 32,893 SH   SOLE   32,893 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 2,298 45,406 SH   SOLE   45,406 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 13,622 253,579 SH   SOLE   253,579 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 3,952 95,355 SH   SOLE   95,355 0 0
DEUTSCHE X-TRACKERS MSCI EAFE HEDGED EQUITY ETF ETF 233051200 258 10,340 SH   SOLE   10,340 0 0
WISDOMTREE SMALLCAP DIVIDEND FUND ETF 97717W604 6,334 88,388 SH   SOLE   88,388 0 0
POWERSHARES FTSE RAFI US 1500 SMALL-MID PORTFOLIO ETF 73935X567 289 2,967 SH   SOLE   2,967 0 0
SPDR MSCI ACWI EX-US ETF ETF 78463X848 8,315 273,081 SH   SOLE   273,081 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF ETF 464288646 483 4,556 SH   SOLE   4,556 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 279 4,969 SH   SOLE   4,969 0 0
GUGGENHEIM BULLETSHARES 2020 CORPORATE BOND ETF ETF 18383M514 1,511 69,586 SH   SOLE   69,586 0 0
POWERSHARES S&P 500 QUALITY PORTFOLIO ETF 73935X682 9,675 389,634 SH   SOLE   389,634 0 0
WISDOMTREE TRUST U.S. DIVIDEND GROWTHFUND ETF 97717X669 6,840 216,602 SH   SOLE   216,602 0 0
WISDOMTREE LARGECAP DIVIDEND FUND ETF 97717W307 5,561 73,399 SH   SOLE   73,399 0 0
WISDOMTREE MIDCAP DIVIDEND FUND ETF 97717W505 8,725 97,483 SH   SOLE   97,483 0 0
GENERAL ELECTRIC CO COM Stock 369604103 352 11,200 SH   SOLE   11,200 0 0
DIREXION ALL CAP INSIDER SENTIMENT SHARES ETF 25459Y769 5,173 71,062 SH   SOLE   71,062 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 573 6,165 SH   SOLE   6,165 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 19,032 163,251 SH   SOLE   163,251 0 0
POWERSHARES DWA MOMENTUM PORTFOLIO ETF 73935X153 340 8,076 SH   SOLE   8,076 0 0
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414 8,916 78,264 SH   SOLE   78,264 0 0
EXPRESS SCRIPTS INC Stock 30219G108 578 7,620 SH   SOLE   7,620 0 0
POWERSHARES EMERGING MARKETS SOVEREIGN DEBT PORTFOLIO ETF 73936T573 724 24,463 SH   SOLE   24,463 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 437 9,057 SH   SOLE   9,057 0 0
POWERSHARES BUYBACK ACHIEVERS PORTFOLIO ETF 73935X286 2,895 64,044 SH   SOLE   64,044 0 0
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 3,846 33,400 SH   SOLE   33,400 0 0
EXXON MOBIL CORP COM Stock 30231G102 873 9,317 SH   SOLE   9,317 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR ADR 37733W105 263 6,079 SH   SOLE   6,079 0 0