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
CLAYMORE EXCHANGE TRD FD TR GUGG TIMBER ETF 18383Q879 1,469 46,978 SH   SOLE   46,978 0 0
ETFS PALLADIUM TR SH BEN INT 26923A106 143 1,528 SH   SOLE   1,528 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 7,057 222,896 SH   SOLE   222,896 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 8,550 347,565 SH   SOLE   347,565 0 0
ISHARES TR S&P 500 INDEX 464287200 18,318 70,779 SH   SOLE   70,779 0 0
ISHARES TR BARCLY USAGG B 464287226 10,348 94,526 SH   SOLE   94,526 0 0
ISHARES TR IBOXX INV CPBD 464287242 5,943 49,055 SH   SOLE   49,055 0 0
ISHARES TR S&P500 GRW 464287309 6,486 43,786 SH   SOLE   43,786 0 0
ISHARES TR S&P 500 VALUE 464287408 10,805 98,996 SH   SOLE   98,996 0 0
ISHARES TR BARCLYS 1-3 YR 464287457 1,894 22,464 SH   SOLE   22,464 0 0
ISHARES TR S&P MIDCAP 400 464287507 13,121 71,713 SH   SOLE   71,713 0 0
ISHARES TR S&P SMLCAP 600 464287804 10,700 142,937 SH   SOLE   142,937 0 0
ISHARES TR HIGH YLD CORP 464288513 4,442 50,209 SH   SOLE   50,209 0 0
ISHARES TR BARCLYS 3-7 YR 464288661 5,539 44,986 SH   SOLE   44,986 0 0
ISHARES FLTG RATE BD ETF 46429B655 607 11,922 SH   SOLE   11,922 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 583 5,752 SH   SOLE   5,752 0 0
PIMCO ETF TR ENHAN SHRT MAT 72201R833 402 3,949 SH   SOLE   3,949 0 0
POWERSHS DB MULTI SECT COMM PS DB AGRICUL FD 73936B408 154 7,912 SH   SOLE   7,912 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 4,393 190,014 SH   SOLE   190,014 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 3,863 32,011 SH   SOLE   32,011 0 0
SPDR SERIES TRUST BARC CAPTL ETF 78464A474 3,812 124,341 SH   SOLE   124,341 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24,397 397,212 SH   SOLE   397,212 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 29,621 435,790 SH   SOLE   435,790 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 10,646 298,794 SH   SOLE   298,794 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28,572 838,393 SH   SOLE   838,393 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,027 191,874 SH   SOLE   191,874 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,014 24,948 SH   SOLE   24,948 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 137 2,328 SH   SOLE   2,328 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 133 1,963 SH   SOLE   1,963 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 3,540 190,516 SH   SOLE   190,516 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,754 220,785 SH   SOLE   220,785 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,224 22,307 SH   SOLE   22,307 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 5,388 90,318 SH   SOLE   90,318 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,207 27,501 SH   SOLE   27,501 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 20,361 378,871 SH   SOLE   378,871 0 0
VANGUARD INTL EQUITY INDEX F MSCI EMR MKT ETF 922042858 40,187 900,438 SH   SOLE   900,438 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 209 1,724 SH   SOLE   1,724 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,728 21,587 SH   SOLE   21,587 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,169 41,139 SH   SOLE   41,139 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,315 107,207 SH   SOLE   107,207 0 0
VANGUARD INDEX FDS REIT ETF 922908553 3,440 41,847 SH   SOLE   41,847 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 366 7,414 SH   SOLE   7,414 0 0