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 3-7 YR TR BD ETF 464288661 174,898 1,441,505 SH   SOLE 1,441,505 0 0
ISHARES AGENCY BOND ETF 464288166 41,655 374,460 SH   SOLE 374,460 0 0
ISHARES EAFE SML CP ETF 464288273 58,262 1,201,032 SH   SOLE 1,201,032 0 0
ISHARES EMU ETF 464286608 69,895 1,852,509 SH   SOLE 1,852,509 0 0
ISHARES INTERM CR BD ETF 464288638 118,083 1,094,070 SH   SOLE 1,094,070 0 0
ISHARES MBS ETF 464288588 282,709 2,669,077 SH   SOLE 2,669,077 0 0
ISHARES MICRO-CAP ETF 464288869 35,421 517,172 SH   SOLE 517,172 0 0
ISHARES MSCI EAFE ETF 464287465 248,755 3,898,927 SH   SOLE 3,898,927 0 0
ISHARES MSCI EMG MKT ETF 464287234 33,738 827,824 SH   SOLE 827,824 0 0
ISHARES RUS 1000 ETF 464287622 283,502 3,010,536 SH   SOLE 3,010,536 0 0
ISHARES RUSSELL 2000 ETF 464287655 93,338 875,509 SH   SOLE 875,509 0 0
ISHARES TIPS BD ETF 464287176 24,711 219,493 SH   SOLE 219,493 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 37,732 359,694 SH   SOLE 359,694 0 0
POWERSHS DB MULTI SECT COMM DB BASE METALS 73936B705 22,388 1,338,166 SH   SOLE 1,338,166 0 0
POWERSHS DB MULTI SECT COMM DB OIL FUND 73936B507 48,805 1,778,611 SH   SOLE 1,778,611 0 0
POWERSHS DB MULTI SECT COMM PS DB AGRICUL FD 73936B408 35,977 1,422,564 SH   SOLE 1,422,564 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 23,314 948,106 SH   SOLE 948,106 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 173,516 5,709,648 SH   SOLE 5,709,648 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 35,510 1,151,069 SH   SOLE 1,151,069 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 122,787 2,323,746 SH   SOLE 2,323,746 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 196,993 4,899,094 SH   SOLE 4,899,094 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 51,968 1,681,804 SH   SOLE 1,681,804 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 64,446 1,336,502 SH   SOLE 1,336,502 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 19,014 351,716 SH   SOLE 351,716 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 68,001 3,416,251 SH   SOLE 3,416,251 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 21,864 170,576 SH   SOLE 170,576 0 0
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 40,961 701,747 SH   SOLE 701,747 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 75,219 1,031,380 SH   SOLE 1,031,380 0 0