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 16,270 51,858 SH   SOLE   0 0 51,858
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 245 1,888 SH   SOLE   0 0 1,888
VANGUARD TOTAL STK MKT ETF 922908769 1,745 8,967 SH   SOLE   0 0 8,967
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 7,466 144,487 SH   SOLE   0 0 144,487
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 24,973 294,044 SH   SOLE   0 0 294,044
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 764 2,497 SH   SOLE   0 0 2,497
SPDR S&P 500 ETF ETF 78462F103 157,929 422,405 SH   SOLE   0 0 422,405
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 549 8,744 SH   SOLE   0 0 8,744
SPDR GOLD ETF ETF 78463V107 257 1,439 SH   SOLE   0 0 1,439
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 13,829 155,385 SH   SOLE   0 0 155,385
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 26,093 724,612 SH   SOLE   0 0 724,612
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 605 6,650 SH   SOLE   0 0 6,650
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 26,554 866,374 SH   SOLE   0 0 866,374
VANGUARD SMALL CAP ETF ETF 922908751 5,831 29,953 SH   SOLE   0 0 29,953
VANGUARD MID CAP ETF 922908629 45,047 217,860 SH   SOLE   0 0 217,860
VANGUARD HEALTH CARE ETF ETF 92204A504 243 1,087 SH   SOLE   0 0 1,087
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 311 880 SH   SOLE   0 0 880
VANGUARD S&P 500 ETF ETF 922908363 36,687 106,746 SH   SOLE   0 0 106,746
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 263 9,420 SH   SOLE   0 0 9,420
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 383 3,000 SH   SOLE   0 0 3,000
SCHWAB US MID-CAP ETF ETF 808524508 18,273 268,008 SH   SOLE   0 0 268,008
ISHARES RUSSELL 2000 ETF ETF 464287655 18,509 94,403 SH   SOLE   0 0 94,403
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 206 2,354 SH   SOLE   0 0 2,354
POWERSHARES SP500 LOW VOLATILITY ETF ETF 46138E354 573 10,188 SH   SOLE   0 0 10,188
ISHARES DJ SELECT DIVIDEND ETF 464287168 403 4,194 SH   SOLE   0 0 4,194
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 225 1,580 SH   SOLE   0 0 1,580
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 626 5,533 SH   SOLE   0 0 5,533
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 224 1,481 SH   SOLE   0 0 1,481
ISHARES S&P 500 INDEX ETF 464287200 41,596 110,809 SH   SOLE   0 0 110,809
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 81,225 1,720,498 SH   SOLE   0 0 1,720,498
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 26,667 532,167 SH   SOLE   0 0 532,167
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 412 4,505 SH   SOLE   0 0 4,505
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 3,139 22,237 SH   SOLE   0 0 22,237
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 538 6,205 SH   SOLE   0 0 6,205
ISHARES CORE S&P MID CAP ETF ETF 464287507 267 1,164 SH   SOLE   0 0 1,164
ISHARES MSCI EAFE ETF ETF 464287465 8,782 120,363 SH   SOLE   0 0 120,363
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 13,296 62,764 SH   SOLE   0 0 62,764