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 1,308 49,659 SH   SOLE   49,659 0 0
ETFS PALLADIUM TR SH BEN INT 26923A106 137 1,792 SH   SOLE   1,792 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 6,883 233,732 SH   SOLE   233,732 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 9,072 363,609 SH   SOLE   363,609 0 0
ISHARES TR BARCLY USAGG B 464287226 10,303 94,966 SH   SOLE   94,966 0 0
ISHARES TR IBOXX INV CPBD 464287242 6,135 52,035 SH   SOLE   52,035 0 0
ISHARES TR S&P500 GRW 464287309 16,348 124,299 SH   SOLE   124,299 0 0
ISHARES TR S&P 500 VALUE 464287408 17,833 171,403 SH   SOLE   171,403 0 0
ISHARES TR BARCLYS 1-3 YR 464287457 2,040 24,135 SH   SOLE   24,135 0 0
ISHARES TR S&P MIDCAP 400 464287507 12,812 74,830 SH   SOLE   74,830 0 0
ISHARES TR S&P SMLCAP 600 464287804 10,220 147,773 SH   SOLE   147,773 0 0
ISHARES TR HIGH YLD CORP 464288513 4,550 51,835 SH   SOLE   51,835 0 0
ISHARES TR BARCLYS 3-7 YR 464288661 5,756 46,775 SH   SOLE   46,775 0 0
ISHARES FLTG RATE BD ETF 46429B655 654 12,863 SH   SOLE   12,863 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 607 6,004 SH   SOLE   6,004 0 0
PIMCO ETF TR ENHAN SHRT MAT 72201R833 413 4,066 SH   SOLE   4,066 0 0
POWERSHS DB MULTI SECT COMM DB OIL FUND 73936B507 341 38,742 SH   SOLE   38,742 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 4,594 197,515 SH   SOLE   197,515 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 10,174 279,766 SH   SOLE   279,766 0 0
SPDR SERIES TRUST BARC CAPTL ETF 78464A474 3,975 129,861 SH   SOLE   129,861 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,942 389,943 SH   SOLE   389,943 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 26,891 426,984 SH   SOLE   426,984 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 9,772 289,192 SH   SOLE   289,192 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 24,679 826,208 SH   SOLE   826,208 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,949 172,788 SH   SOLE   172,788 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 897 21,988 SH   SOLE   21,988 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 3,664 197,931 SH   SOLE   197,931 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,592 218,636 SH   SOLE   218,636 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,272 23,495 SH   SOLE   23,495 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,938 92,721 SH   SOLE   92,721 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,974 28,975 SH   SOLE   28,975 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 18,922 395,602 SH   SOLE   395,602 0 0
VANGUARD INTL EQUITY INDEX F MSCI EMR MKT ETF 922042858 34,960 880,166 SH   SOLE   880,166 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 130 1,156 SH   SOLE   1,156 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,583 19,851 SH   SOLE   19,851 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,288 43,561 SH   SOLE   43,561 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 21,390 98,866 SH   SOLE   98,866 0 0
VANGUARD INDEX FDS REIT ETF 922908553 3,293 39,868 SH   SOLE   39,868 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,781 39,685 SH   SOLE   39,685 0 0