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
ISHARES TIPS BD ETF 464287176 86,474 768,108 SH   SOLE 0 0 0 768,108
VANGUARD INDEX FDS REIT ETF 922908553 18,945 286,444 SH   SOLE 0 0 0 286,444
SPDR SERIES TRUST DB INT GVT ETF 78464A490 16,775 281,499 SH   SOLE 0 0 0 281,499
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 11,556 238,514 SH   SOLE 0 0 0 238,514
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 6,644 82,141 SH   SOLE 0 0 0 82,141
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,436 54,718 SH   SOLE 0 0 0 54,718
VANGUARD INDEX FDS VALUE ETF 922908744 5,292 75,823 SH   SOLE 0 0 0 75,823
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 5,074 86,924 SH   SOLE 0 0 0 86,924
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,807 65,644 SH   SOLE 0 0 0 65,644
ISHARES CORE TOTUSBD ETF 464287226 4,221 39,377 SH   SOLE 0 0 0 39,377
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,182 105,663 SH   SOLE 0 0 0 105,663
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,885 37,908 SH   SOLE 0 0 0 37,908
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 3,022 54,161 SH   SOLE 0 0 0 54,161
ISHARES NA NAT RES 464287374 2,899 69,946 SH   SOLE 0 0 0 69,946
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,580 64,268 SH   SOLE 0 0 0 64,268
ISHARES CALI AMT-FRE ETF 464288356 2,427 22,292 SH   SOLE 0 0 0 22,292
ISHARES RUS 1000 GRW ETF 464287614 2,212 28,281 SH   SOLE 0 0 0 28,281
ISHARES 3-7 YR TR BD ETF 464288661 2,172 17,904 SH   SOLE 0 0 0 17,904
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,144 25,159 SH   SOLE 0 0 0 25,159
ISHARES MSCI EAFE ETF 464287465 1,414 22,158 SH   SOLE 0 0 0 22,158
ISHARES RUS 1000 VAL ETF 464287598 1,325 15,376 SH   SOLE 0 0 0 15,376
PNC FINL SVCS GROUP INC COM 693475105 1,159 16,000 SH   SOLE 0 0 0 16,000
MERCK & CO INC NEW COM 58933Y105 900 18,900 SH   SOLE 0 0 0 18,900
ISHARES RUS MDCP VAL ETF 464287473 848 13,923 SH   SOLE 0 0 0 13,923
ISHARES RUS 1000 ETF 464287622 800 8,496 SH   SOLE 0 0 0 8,496
ISHARES RUS MD CP GR ETF 464287481 786 10,051 SH   SOLE 0 0 0 10,051
ISHARES RUSSELL 2000 ETF 464287655 737 6,916 SH   SOLE 0 0 0 6,916
QUALCOMM INC COM 747525103 720 10,690 SH   SOLE 0 0 0 10,690
VANGUARD INDEX FDS MID CAP ETF 922908629 646 6,305 SH   SOLE 0 0 0 6,305
HUDSON CITY BANCORP COM 443683107 580 64,120 SH   SOLE 0 0 0 64,120
CONOCOPHILLIPS COM 20825C104 578 8,320 SH   SOLE 0 0 0 8,320
ISHARES MSCI EMG MKT ETF 464287234 540 13,260 SH   SOLE 0 0 0 13,260
ISHARES U.S. REAL ES ETF 464287739 532 8,337 SH   SOLE 0 0 0 8,337
BAIDU INC SPON ADR REP A 056752108 450 2,900 SH   SOLE 0 0 0 2,900
HOME DEPOT INC COM 437076102 441 5,816 SH   SOLE 0 0 0 5,816
KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 439 5,500 SH   SOLE 0 0 0 5,500
ISHARES INTL INFL-LKD BD 46429B770 342 7,348 SH   SOLE 0 0 0 7,348
SPDR SERIES TRUST SHRT INTL ETF 78464A334 340 9,423 SH   SOLE 0 0 0 9,423
WELLS FARGO & CO NEW COM 949746101 318 7,707 SH   SOLE 0 0 0 7,707
ENERGY TRANSFER PRTNRS L P UNIT LTD PARTN 29273R109 312 6,000 SH   SOLE 0 0 0 6,000
SEMPRA ENERGY COM 816851109 300 3,508 SH   SOLE 0 0 0 3,508
BANK OF AMERICA CORPORATION COM 060505104 285 20,688 SH   SOLE 0 0 0 20,688
PHILIP MORRIS INTL INC COM 718172109 279 3,218 SH   SOLE 0 0 0 3,218
APPLE INC COM 037833100 275 577 SH   SOLE 0 0 0 577
LINN ENERGY LLC UNIT LTD LIAB 536020100 259 10,000 SH   SOLE 0 0 0 10,000
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 258 5,069 SH   SOLE 0 0 0 5,069
SPDR SERIES TRUST DJ REIT ETF 78464A607 239 3,279 SH   SOLE 0 0 0 3,279
OCCIDENTAL PETE CORP DEL COM 674599105 236 2,520 SH   SOLE 0 0 0 2,520
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 221 5,496 SH   SOLE 0 0 0 5,496
EATON VANCE CALIF MUN BD FD COM 27828A100 138 13,400 SH   SOLE 0 0 0 13,400
NUVEEN CAL AMT-FREE MUN INC COM 670651108 126 10,187 SH   SOLE 0 0 0 10,187