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
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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
ISHARES TR BARCLY USAGG B 464287226 11,128 104,666 SH   SOLE   104,666 0 0
ISHARES TR S&P SMLCAP 600 464287804 11,803 141,419 SH   SOLE   141,419 0 0
JP MORGAN EXCHANGE TRADED FD DIV RTN GLB EQ 46641Q837 889 17,743 SH   SOLE   17,743 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 6,634 59,614 SH   SOLE   59,614 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 3,084 25,990 SH   SOLE   25,990 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,721 472,705 SH   SOLE   472,705 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 37,863 514,659 SH   SOLE   514,659 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 12,153 325,459 SH   SOLE   325,459 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 36,954 1,118,129 SH   SOLE   1,118,129 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,000 177,716 SH   SOLE   177,716 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 137 2,359 SH   SOLE   2,359 0 0
SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 156 2,051 SH   SOLE   2,051 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937827 7,630 97,555 SH   SOLE   97,555 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,296 193,385 SH   SOLE   193,385 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,987 72,882 SH   SOLE   72,882 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,778 420,105 SH   SOLE   420,105 0 0
VANGUARD INTL EQUITY INDEX F MSCI EMR MKT ETF 922042858 39,463 935,151 SH   SOLE   935,151 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 218 1,883 SH   SOLE   1,883 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,574 20,158 SH   SOLE   20,158 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 19,070 76,430 SH   SOLE   76,430 0 0
VANGUARD INDEX FDS REIT ETF 922908553 352 4,325 SH   SOLE   4,325 0 0