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
Estimated average burden
hours per response: 23.8
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
ISHARES MSCI PAC JP ETF 464286665 4,721 128,781 SH   SOLE   128,781 0 0
ISHARES MSCI GERMANY ETF 464286806 952 38,461 SH   SOLE   38,461 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,685 156,297 SH   SOLE   156,297 0 0
ISHARES INC CORE MSCI EMKT 46434g103 12,252 307,138 SH   SOLE   307,138 0 0
ISHARES TR SELECT DIVID ETF 464287168 457 6,284 SH   SOLE   6,284 0 0
ISHARES TR CORE S&P500 ETF 464287200 159,857 829,521 SH   SOLE   829,521 0 0
ISHARES TR NA NAT RES 464287374 8,128 279,859 SH   SOLE   279,859 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 22,569 209,229 SH   SOLE   209,229 0 0
ISHARES TR MSCI EAFE ETF 464287465 23,684 413,139 SH   SOLE   413,139 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 952 10,239 SH   SOLE   10,239 0 0
ISHARES TR RUS 1000 ETF 464287622 1,531 14,299 SH   SOLE   14,299 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 10,452 95,710 SH   SOLE   95,710 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,823 16,004 SH   SOLE   16,004 0 0
ISHARES TR EUROPE ETF 464287861 215 5,411 SH   SOLE   5,411 0 0
ISHARES TR MSCI AC ASIA ETF 464288182 7,458 141,382 SH   SOLE   141,382 0 0
ISHARES TR CORE MSCI EAFE 46432F842 20,122 381,025 SH   SOLE   381,025 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 771 28,156 SH   SOLE   28,156 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369y100 923 23,117 SH   SOLE   23,117 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,870 73,534 SH   SOLE   73,534 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,267 69,229 SH   SOLE   69,229 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 4,184 56,344 SH   SOLE   56,344 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 5,415 238,964 SH   SOLE   238,964 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,200 64,139 SH   SOLE   64,139 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 6,945 175,830 SH   SOLE   175,830 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 2,850 26,668 SH   SOLE   26,668 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 10,792 56,319 SH   SOLE   56,319 0 0
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 896 21,430 SH   SOLE   21,430 0 0
VANGUARD INDEX FDS REIT ETF 922908553 3,651 48,328 SH   SOLE   48,328 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 53,514 542,078 SH   SOLE   542,078 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,744 40,921 SH   SOLE   40,921 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,923 722,982 SH   SOLE   722,982 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,590 970,536 SH   SOLE   970,536 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,980 31,611 SH   SOLE   31,611 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 486 5,733 SH   SOLE   5,733 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 1,171 21,434 SH   SOLE   21,434 0 0