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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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
ISHARES TIPS BD ETF 464287176 104,822 935,242 SH   SOLE 0 0 0 935,242
VANGUARD INDEX FDS REIT ETF 922908553 24,967 356,517 SH   SOLE 0 0 0 356,517
SPDR SERIES TRUST DB INT GVT ETF 78464A490 20,032 334,935 SH   SOLE 0 0 0 334,935
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 14,641 292,938 SH   SOLE 0 0 0 292,938
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,534 92,793 SH   SOLE 0 0 0 92,793
VANGUARD INDEX FDS VALUE ETF 922908744 6,165 79,670 SH   SOLE 0 0 0 79,670
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 6,158 103,792 SH   SOLE 0 0 0 103,792
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,595 52,632 SH   SOLE 0 0 0 52,632
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,449 66,605 SH   SOLE 0 0 0 66,605
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,630 112,814 SH   SOLE 0 0 0 112,814
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,400 39,627 SH   SOLE 0 0 0 39,627
ISHARES CORE TOTUSBD ETF 464287226 3,796 35,179 SH   SOLE 0 0 0 35,179
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,263 81,004 SH   SOLE 0 0 0 81,004
ISHARES CALI AMT-FRE ETF 464288356 3,145 27,799 SH   SOLE 0 0 0 27,799
ISHARES NA NAT RES 464287374 3,128 70,674 SH   SOLE 0 0 0 70,674
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 2,658 47,822 SH   SOLE 0 0 0 47,822
ISHARES RUS 1000 GRW ETF 464287614 2,367 27,575 SH   SOLE 0 0 0 27,575
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,361 25,774 SH   SOLE 0 0 0 25,774
ISHARES 3-7 YR TR BD ETF 464288661 2,317 19,217 SH   SOLE 0 0 0 19,217
ISHARES MSCI EAFE ETF 464287465 1,384 20,704 SH   SOLE 0 0 0 20,704
PNC FINL SVCS GROUP INC COM 693475105 1,372 16,000 SH   SOLE 0 0 0 16,000
ISHARES RUS 1000 VAL ETF 464287598 1,364 14,274 SH   SOLE 0 0 0 14,274
MERCK & CO INC NEW COM 58933Y105 1,094 19,550 SH   SOLE 0 0 0 19,550
ISHARES RUS 1000 ETF 464287622 1,088 10,473 SH   SOLE 0 0 0 10,473
QUALCOMM INC COM 747525103 848 10,692 SH   SOLE 0 0 0 10,692
VANGUARD INDEX FDS MID CAP ETF 922908629 834 7,425 SH   SOLE 0 0 0 7,425
ISHARES RUS MDCP VAL ETF 464287473 793 11,677 SH   SOLE 0 0 0 11,677
ISHARES RUS MD CP GR ETF 464287481 702 8,266 SH   SOLE 0 0 0 8,266
ISHARES RUSSELL 2000 ETF 464287655 673 5,886 SH   SOLE 0 0 0 5,886
HUDSON CITY BANCORP COM 443683107 628 64,120 SH   SOLE 0 0 0 64,120
ISHARES MSCI EMG MKT ETF 464287234 537 13,183 SH   SOLE 0 0 0 13,183
CONOCOPHILLIPS COM 20825C104 514 7,300 SH   SOLE 0 0 0 7,300
ISHARES U.S. REAL ES ETF 464287739 497 7,382 SH   SOLE 0 0 0 7,382
ALLERGAN INC COM 018490102 473 3,909 SH   SOLE 0 0 0 3,909
HOME DEPOT INC COM 437076102 461 5,858 SH   SOLE 0 0 0 5,858
BAIDU INC SPON ADR REP A 056752108 437 2,900 SH   SOLE 0 0 0 2,900
KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 405 5,500 SH   SOLE 0 0 0 5,500
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 379 7,411 SH   SOLE 0 0 0 7,411
WELLS FARGO & CO NEW COM 949746101 370 7,507 SH   SOLE 0 0 0 7,507
BANK OF AMERICA CORPORATION COM 060505104 344 20,288 SH   SOLE 0 0 0 20,288
SPDR SERIES TRUST SHRT INTL ETF 78464A334 333 9,266 SH   SOLE 0 0 0 9,266
APPLE INC COM 037833100 327 610 SH   SOLE 0 0 0 610
ENERGY TRANSFER PRTNRS L P UNIT LTD PARTN 29273R109 324 6,000 SH   SOLE 0 0 0 6,000
SPDR SERIES TRUST NUVN CALI MUNI 78464A441 288 12,554 SH   SOLE 0 0 0 12,554
LINN ENERGY LLC UNIT LTD LIAB 536020100 285 10,000 SH   SOLE 0 0 0 10,000
PHILIP MORRIS INTL INC COM 718172109 254 3,135 SH   SOLE 0 0 0 3,135
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 248 5,496 SH   SOLE 0 0 0 5,496
SPDR SERIES TRUST DJ REIT ETF 78464A607 243 3,134 SH   SOLE 0 0 0 3,134
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 234 4,986 SH   SOLE 0 0 0 4,986
OCCIDENTAL PETE CORP DEL COM 674599105 222 2,320 SH   SOLE 0 0 0 2,320
PPL CORP COM 69351T106 216 6,536 SH   SOLE 0 0 0 6,536
EATON VANCE CALIF MUN BD FD COM 27828A100 146 13,400 SH   SOLE 0 0 0 13,400
NUVEEN CAL AMT-FREE MUN INC COM 670651108 135 10,187 SH   SOLE 0 0 0 10,187