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
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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
CLAYMORE EXCHANGE TRD FD TR GUGG TIMBER ETF 18383Q879 1,981 88,618 SH   SOLE   88,618 0 0
ETFS PALLADIUM TR SH BEN INT 26923A106 1,024 16,268 SH   SOLE   16,268 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 9,904 421,813 SH   SOLE   421,813 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 22,374 917,732 SH   SOLE   917,732 0 0
ISHARES TR BARCLY USAGG B 464287226 12,982 118,472 SH   SOLE   118,472 0 0
ISHARES TR IBOXX INV CPBD 464287242 10,182 87,708 SH   SOLE   87,708 0 0
ISHARES TR S&P500 GRW 464287309 22,449 208,242 SH   SOLE   208,242 0 0
ISHARES TR S&P 500 VALUE 464287408 24,969 297,138 SH   SOLE   297,138 0 0
ISHARES TR BARCLYS 1-3 YR 464287457 1,516 17,837 SH   SOLE   17,837 0 0
ISHARES TR MSCI EAFE INDEX 464287465 10,874 189,715 SH   SOLE   189,715 0 0
ISHARES TR S&P MIDCAP 400 464287507 18,606 136,198 SH   SOLE   136,198 0 0
ISHARES TR S&P SMLCAP 600 464287804 21,391 200,724 SH   SOLE   200,724 0 0
ISHARES TR SP SMCP600VL ETF 464287879 3,991 38,087 SH   SOLE   38,087 0 0
ISHARES TR SP SMCP600GR ETF 464287887 3,968 33,030 SH   SOLE   33,030 0 0
ISHARES TR HIGH YLD CORP 464288513 7,440 89,322 SH   SOLE   89,322 0 0
ISHARES TR BARCLYS 3-7 YR 464288661 6,305 50,584 SH   SOLE   50,584 0 0
ISHARES FLTG RATE BD ETF 46429B655 975 19,328 SH   SOLE   19,328 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 726 7,674 SH   SOLE   7,674 0 0
PIMCO ETF TR ENHAN SHRT MAT 72201R833 475 4,713 SH   SOLE   4,713 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 11,161 109,678 SH   SOLE   109,678 0 0
POWERSHS DB MULTI SECT COMM PS DB AGRICUL FD 73936B408 50 2,406 SH   SOLE   2,406 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 3,566 154,781 SH   SOLE   154,781 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 0 0 SH   SOLE   0 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,973 18,464 SH   SOLE   18,464 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 8,040 204,361 SH   SOLE   204,361 0 0
SPDR SERIES TRUST BARC CAPTL ETF 78464A474 6,208 203,411 SH   SOLE   203,411 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 9,908 114,980 SH   SOLE   114,980 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 0 2 SH   SOLE   2 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 0 1 SH   SOLE   1 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 0 2 SH   SOLE   2 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 0 2 SH   SOLE   2 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,344 236,757 SH   SOLE   236,757 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,029 54,567 SH   SOLE   54,567 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 49 1,234 SH   SOLE   1,234 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 43 706 SH   SOLE   706 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 6,355 71,133 SH   SOLE   71,133 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,282 120,136 SH   SOLE   120,136 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,832 34,620 SH   SOLE   34,620 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,998 39,195 SH   SOLE   39,195 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,357 48,039 SH   SOLE   48,039 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 26,714 626,656 SH   SOLE   626,656 0 0
VANGUARD INTL EQUITY INDEX F MSCI EMR MKT ETF 922042858 10,216 308,745 SH   SOLE   308,745 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 74 800 SH   SOLE   800 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,652 20,725 SH   SOLE   20,725 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,363 81,742 SH   SOLE   81,742 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,701 104,535 SH   SOLE   104,535 0 0
VANGUARD INDEX FDS REIT ETF 922908553 7,354 97,351 SH   SOLE   97,351 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,650 65,567 SH   SOLE   65,567 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 493 13,834 SH   SOLE   13,834 0 0
WISDOMTREE TR EM LCL DEBT FD 97717X867 5,644 162,875 SH   SOLE   162,875 0 0