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
ETFS PALLADIUM TR SH BEN INT 26923A106 124 1,366 SH   SOLE   1,366 0 0
ISHARES TR BARCLY USAGG B 464287226 11,068 103,201 SH   SOLE   103,201 0 0
ISHARES TR S&P SMLCAP 600 464287804 10,975 142,509 SH   SOLE   142,509 0 0
JP MORGAN EXCHANGE TRADED FD DIV RTN GLB EQ 46641Q837 922 18,428 SH   SOLE   18,428 0 0
POWERSHS DB MULTI SECT COMM PS DB AGRICUL FD 73936B408 138 7,317 SH   SOLE   7,317 0 0
POWERSHS DB MULTI SECT COMM DB ENERGY FUND 73936B705 135 7,415 SH   SOLE   7,415 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 6,195 58,731 SH   SOLE   58,731 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 4,156 33,041 SH   SOLE   33,041 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29,393 465,966 SH   SOLE   465,966 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 35,133 508,218 SH   SOLE   508,218 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,631 320,073 SH   SOLE   320,073 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 37,298 1,106,430 SH   SOLE   1,106,430 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,199 180,296 SH   SOLE   180,296 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 134 2,348 SH   SOLE   2,348 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 137 2,037 SH   SOLE   2,037 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937827 8,114 103,437 SH   SOLE   103,437 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,400 189,837 SH   SOLE   189,837 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,144 75,708 SH   SOLE   75,708 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 22,764 418,686 SH   SOLE   418,686 0 0
VANGUARD INTL EQUITY INDEX F MSCI EMR MKT ETF 922042858 43,303 921,731 SH   SOLE   921,731 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 220 1,967 SH   SOLE   1,967 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,615 20,590 SH   SOLE   20,590 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 18,397 75,996 SH   SOLE   75,996 0 0
VANGUARD INDEX FDS REIT ETF 922908553 289 3,835 SH   SOLE   3,835 0 0