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
WISDOMTREE TR INTL SMCAP DIV 97717W760 49,079 828,194 SH   SOLE 0 0 0 828,194
ISHARES TR CORE US AGGBD ET 464287226 88,975 798,481 SH   SOLE 0 0 0 798,481
ISHARES EAFE VALUE ETF 464288877 32,511 610,183 SH   SOLE 0 0 0 610,183
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 45,436 564,286 SH   SOLE 0 0 0 564,286
ISHARES TR 1-3 YR TR BD ETF 464287457 39,648 467,107 SH   SOLE 0 0 0 467,107
ISHARES TR S&P 500 VAL ETF 464287408 41,089 443,922 SH   SOLE 0 0 0 443,922
VANGUARD INDEX FDS SM CP VAL ETF 922908611 35,922 328,357 SH   SOLE 0 0 0 328,357
WISDOMTREE TR EMG MKTS SMCAP 97717W281 12,230 276,503 SH   SOLE 0 0 0 276,503
ISHARES TR MSCI EAFE ETF 464287465 17,456 272,034 SH   SOLE 0 0 0 272,034
ISHARES TR MSCI EMG MKT ETF 464287234 10,358 258,110 SH   SOLE 0 0 0 258,110
ISHARES MICRO-CAP ETF 464288869 19,640 248,361 SH   SOLE 0 0 0 248,361
ISHARES EAFE SML CP ETF 464288273 11,096 224,293 SH   SOLE 0 0 0 224,293
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,051 163,601 SH   SOLE 0 0 0 163,601
ISHARES TR CORE S&P500 ETF 464287200 20,656 99,389 SH   SOLE 0 0 0 99,389
ISHARES U S ETF TR ENH INTL SMCAP 46431W309 1,770 77,503 SH   SOLE 0 0 0 77,503
ISHARES U S ETF TR ENH INTL L CAP 46431W408 1,667 69,356 SH   SOLE 0 0 0 69,356
ISHARES U S ETF TR ENH US SCP ETF 46431W200 1,772 54,336 SH   SOLE 0 0 0 54,336
ISHARES U S ETF TR ENH US LCP ETF 46431W101 1,523 47,322 SH   SOLE 0 0 0 47,322
BARCLAYS BK PLC IPATH DYNM VIX 06741L609 1,329 46,097 SH   SOLE 0 0 0 46,097
BARCLAYS BK PLC IPATH S&P MLP 06742A750 1,240 43,165 SH   SOLE 0 0 0 43,165
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,584 39,073 SH   SOLE 0 0 0 39,073
ISHARES TR CORE S&P TTL STK 464287150 3,224 34,032 SH   SOLE 0 0 0 34,032
ISHARES TR FLTG RATE BD ETF 46429B655 1,332 26,302 SH   SOLE 0 0 0 26,302
ISHARES GRWT ALLOCAT ETF 464289867 1,045 25,589 SH   SOLE 0 0 0 25,589
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,388 24,675 SH   SOLE 0 0 0 24,675
ISHARES MODERT ALLOC ETF 464289875 868 24,367 SH   SOLE 0 0 0 24,367
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 1,284 22,639 SH   SOLE 0 0 0 22,639
ISHARES AGGRES ALLOC ETF 464289859 1,035 21,784 SH   SOLE 0 0 0 21,784
INDEXIQ ETF TR US RL EST SMCP 45409B628 533 19,174 SH   SOLE 0 0 0 19,174
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,965 18,318 SH   SOLE 0 0 0 18,318
ISHARES IBOXX HI YD ETF 464288513 1,592 17,572 SH   SOLE 0 0 0 17,572
ISHARES CONSER ALLOC ETF 464289883 472 14,281 SH   SOLE 0 0 0 14,281