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
POWERSHARES QQQ TR ETF 46090E103 13,101 47,152 SH   SOLE   0 0 47,152
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 352 3,012 SH   SOLE   0 0 3,012
VANGUARD TOTAL STK MKT ETF 922908769 1,360 7,988 SH   SOLE   0 0 7,988
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 6,350 144,024 SH   SOLE   0 0 144,024
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 22,645 286,786 SH   SOLE   0 0 286,786
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 719 2,591 SH   SOLE   0 0 2,591
SPDR S&P 500 ETF ETF 78462F103 144,342 431,012 SH   SOLE   0 0 431,012
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 542 8,695 SH   SOLE   0 0 8,695
SPDR GOLD ETF ETF 78463V107 255 1,439 SH   SOLE   0 0 1,439
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 10,913 159,731 SH   SOLE   0 0 159,731
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 23,468 747,383 SH   SOLE   0 0 747,383
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 534 6,624 SH   SOLE   0 0 6,624
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 22,995 859,317 SH   SOLE   0 0 859,317
VANGUARD SMALL CAP ETF ETF 922908751 4,297 27,936 SH   SOLE   0 0 27,936
VANGUARD MID CAP ETF 922908629 37,770 214,287 SH   SOLE   0 0 214,287
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 274 879 SH   SOLE   0 0 879
VANGUARD S&P 500 ETF ETF 922908363 28,179 91,595 SH   SOLE   0 0 91,595
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 204 8,547 SH   SOLE   0 0 8,547
SCH US REIT ETF ETF 808524847 576 16,297 SH   SOLE   0 0 16,297
SCHWAB US MID-CAP ETF ETF 808524508 15,023 270,781 SH   SOLE   0 0 270,781
ISHARES RUSSELL 2000 ETF ETF 464287655 14,131 94,339 SH   SOLE   0 0 94,339
POWERSHARES SP500 LOW VOLATILITY ETF ETF 46138E354 546 10,188 SH   SOLE   0 0 10,188
ISHARES DJ SELECT DIVIDEND ETF 464287168 329 4,037 SH   SOLE   0 0 4,037
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 618 5,501 SH   SOLE   0 0 5,501
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 203 1,501 SH   SOLE   0 0 1,501
ISHARES S&P 500 INDEX ETF 464287200 37,967 112,977 SH   SOLE   0 0 112,977
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 68,758 1,681,124 SH   SOLE   0 0 1,681,124
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 22,173 512,800 SH   SOLE   0 0 512,800
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 361 4,466 SH   SOLE   0 0 4,466
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 2,848 22,135 SH   SOLE   0 0 22,135
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 477 6,113 SH   SOLE   0 0 6,113
ISHARES MSCI EAFE ETF ETF 464287465 7,629 119,852 SH   SOLE   0 0 119,852
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 11,814 63,126 SH   SOLE   0 0 63,126