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
ISHARES TR TIPS BD ETF 464287176 47,868 417,227 SH   SOLE 0 0 0 417,227
VANGUARD INDEX FDS REIT ETF 922908553 36,810 439,837 SH   SOLE 0 0 0 439,837
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 22,433 646,493 SH   SOLE 0 0 0 646,493
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 19,407 546,983 SH   SOLE 0 0 0 546,983
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 15,618 188,780 SH   SOLE 0 0 0 188,780
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,855 112,392 SH   SOLE 0 0 0 112,392
VANGUARD INDEX FDS VALUE ETF 922908744 9,441 114,079 SH   SOLE 0 0 0 114,079
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 9,240 105,749 SH   SOLE 0 0 0 105,749
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,340 89,445 SH   SOLE 0 0 0 89,445
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,313 239,719 SH   SOLE 0 0 0 239,719
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,642 178,508 SH   SOLE 0 0 0 178,508
ISHARES TR CALIF MUN BD ETF 464288356 6,835 57,294 SH   SOLE 0 0 0 57,294
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 4,860 87,148 SH   SOLE 0 0 0 87,148
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,436 39,699 SH   SOLE 0 0 0 39,699
ISHARES TR NA NAT RES 464287374 3,463 118,199 SH   SOLE 0 0 0 118,199
ISHARES TR EAFE SML CP ETF 464288273 3,308 66,916 SH   SOLE 0 0 0 66,916
ISHARES TR RUS MDCP VAL ETF 464287473 3,220 45,257 SH   SOLE 0 0 0 45,257
ISHARES TR CORE US AGGBD ET 464287226 3,128 28,308 SH   SOLE 0 0 0 28,308
ISHARES TR S&P 500 VAL ETF 464287408 2,752 30,491 SH   SOLE 0 0 0 30,491
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,635 25,827 SH   SOLE 0 0 0 25,827
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,549 25,289 SH   SOLE 0 0 0 25,289
ISHARES TR RUS 1000 GRW ETF 464287614 2,320 23,061 SH   SOLE 0 0 0 23,061
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 2,189 38,207 SH   SOLE 0 0 0 38,207
ISHARES MSCI BRIC INDX 464286657 1,961 66,063 SH   SOLE 0 0 0 66,063
ISHARES TR CORE MSCI EAFE 46432F842 1,756 33,449 SH   SOLE 0 0 0 33,449
APPLE INC COM 037833100 1,723 15,663 SH   SOLE 0 0 0 15,663
FIDELITY MSCI RL EST ETF 316092857 1,464 62,277 SH   SOLE 0 0 0 62,277
ISHARES TR RUS 1000 ETF 464287622 1,260 10,980 SH   SOLE 0 0 0 10,980
ISHARES TR CORE S&P TTL STK 464287150 1,221 13,014 SH   SOLE 0 0 0 13,014
MARKET VECTORS ETF TR NATURAL RES ETF 57060U795 1,066 37,731 SH   SOLE 0 0 0 37,731
MERCK & CO INC NEW COM 58933Y105 1,036 19,297 SH   SOLE 0 0 0 19,297
ISHARES TR MSCI EAFE ETF 464287465 1,015 17,944 SH   SOLE 0 0 0 17,944
ISHARES TR RUS 1000 VAL ETF 464287598 935 9,418 SH   SOLE 0 0 0 9,418
QUALCOMM INC COM 747525103 855 16,803 SH   SOLE 0 0 0 16,803
VANGUARD INDEX FDS MID CAP ETF 922908629 842 6,914 SH   SOLE 0 0 0 6,914
ISHARES TR S&P MC 400VL ETF 464287705 755 6,077 SH   SOLE 0 0 0 6,077
SPDR SERIES TRUST CITI INT GVT ETF 78464A490 727 13,417 SH   SOLE 0 0 0 13,417
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 704 8,745 SH   SOLE 0 0 0 8,745
ALLERGAN PLC SHS G0177J108 693 2,586 SH   SOLE 0 0 0 2,586
PNC FINL SVCS GROUP INC COM 693475105 682 8,000 SH   SOLE 0 0 0 8,000
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 670 24,988 SH   SOLE 0 0 0 24,988
ISHARES TR SP SMCP600VL ETF 464287879 656 5,792 SH   SOLE 0 0 0 5,792
ISHARES INC CORE MSCI EMKT 46434G103 650 15,651 SH   SOLE 0 0 0 15,651
SPDR SERIES TRUST DJ REIT ETF 78464A607 633 6,656 SH   SOLE 0 0 0 6,656
ISHARES TR RUSSELL 3000 ETF 464287689 632 5,195 SH   SOLE 0 0 0 5,195
HOME DEPOT INC COM 437076102 619 4,591 SH   SOLE 0 0 0 4,591
ABBVIE INC COM 00287Y109 598 10,414 SH   SOLE 0 0 0 10,414
ISHARES TR RUSSELL 3000 ETF 464287689 560 13,746 SH   SOLE 0 0 0 13,746
ISHARES TR 3-7 YR TR BD ETF 464288661 558 4,435 SH   SOLE 0 0 0 4,435
ISHARES TR CORE S&P500 ETF 464287200 526 2,530 SH   SOLE 0 0 0 2,530
PFIZER INC COM 717081103 522 17,362 SH   SOLE 0 0 0 17,362
ISHARES TR CORE S&P MCP ETF 464287507 508 3,509 SH   SOLE 0 0 0 3,509
ISHARES TR RUS MD CP GR ETF 464287481 480 5,180 SH   SOLE 0 0 0 5,180
FIRSTENERGY CORP COM 337932107 474 13,154 SH   SOLE 0 0 0 13,154
TIME WARNER CABLE INC COM 88732J207 459 2,240 SH   SOLE 0 0 0 2,240
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 457 11,683 SH   SOLE 0 0 0 11,683
ABBOTT LABS COM 002824100 455 10,782 SH   SOLE 0 0 0 10,782
SEMPRA ENERGY COM 816851109 442 4,177 SH   SOLE 0 0 0 4,177
ISHARES TR U.S. REAL ES ETF 464287739 439 5,635 SH   SOLE 0 0 0 5,635
ISHARES TR MSCI EMG MKT ETF 464287234 434 12,713 SH   SOLE 0 0 0 12,713
PIMCO ETF TR 1-5 US TIP IDX 72201R205 428 8,187 SH   SOLE 0 0 0 8,187
ISHARES TR CORE MSCITOTAL 46432F834 425 8,674 SH   SOLE 0 0 0 8,674
MCKESSON CORP COM 58155Q103 420 2,666 SH   SOLE 0 0 0 2,666
VISA INC COM CL A 92826C839 409 5,266 SH   SOLE 0 0 0 5,266
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 407 7,737 SH   SOLE 0 0 0 7,737
ISHARES TR CORE US VAL ETF 464287663 371 2,871 SH   SOLE 0 0 0 2,871
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 367 5,430 SH   SOLE 0 0 0 5,430
PHILIP MORRIS INTL INC COM 718172109 360 3,607 SH   SOLE 0 0 0 3,607
AMEREN CORP COM 023608102 354 7,002 SH   SOLE 0 0 0 7,002
ISHARES TR INTL INFL-LKD BD 46429B770 353 8,402 SH   SOLE 0 0 0 8,402
ISHARES TR RUSSELL 2000 ETF 464287655 352 3,166 SH   SOLE 0 0 0 3,166
WELLS FARGO & CO NEW COM 949746101 328 6,769 SH   SOLE 0 0 0 6,769
SCHWAB STRATEGIC TR US TIPS ETF 808524870 317 5,710 SH   SOLE 0 0 0 5,710
TESLA MTRS INC COM 88160R101 314 1,320 SH   SOLE 0 0 0 1,320
EDWARDS LIFESCIENCES CORP COM 28176E108 314 3,495 SH   SOLE 0 0 0 3,495
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 311 2,162 SH   SOLE 0 0 0 2,162
AMAZON COM INC COM 023135106 311 520 SH   SOLE 0 0 0 520
ISHARES TR 1-3 YR TR BD ETF 464287457 309 3,642 SH   SOLE 0 0 0 3,642
ALPHABET INC CAP STK CL A 02079K305 308 400 SH   SOLE 0 0 0 400
BAXTER INTL INC COM 071813109 307 7,375 SH   SOLE 0 0 0 7,375
BAXALTA INC COM 07177M103 299 7,320 SH   SOLE 0 0 0 7,320
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 295 3,662 SH   SOLE 0 0 0 3,662
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 295 14,170 SH   SOLE 0 0 0 14,170
CONOCOPHILLIPS COM 20825C104 290 7,300 SH   SOLE 0 0 0 7,300
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 276 6,353 SH   SOLE 0 0 0 6,353
PPL CORP COM 69351T106 273 7,149 SH   SOLE 0 0 0 7,149
ALPHABET INC CAP STK CL C 02079K107 270 360 SH   SOLE 0 0 0 360
ISHARES TR INTL TREA BD ETF 464288117 268 2,747 SH   SOLE 0 0 0 2,747
GENERAL ELECTRIC CO COM 369604103 263 8,238 SH   SOLE 0 0 0 8,238
BANK AMER CORP COM 060505104 257 18,955 SH   SOLE 0 0 0 18,955
EXXON MOBIL CORP COM 30231G102 254 3,066 SH   SOLE 0 0 0 3,066
US BANCORP DEL COM NEW 902973304 238 5,843 SH   SOLE 0 0 0 5,843
DELTA AIR LINES INC DEL COM NEW 247361702 221 4,700 SH   SOLE 0 0 0 4,700
ALTRIA GROUP INC COM 02209S103 215 3,406 SH   SOLE 0 0 0 3,406
TORO CO COM 891092108 210 2,400 SH   SOLE 0 0 0 2,400
NUVEEN CAL AMT-FREE MUN INC COM 670651108 163 10,187 SH   SOLE 0 0 0 10,187
KERYX BIOPHARMACEUTICALS INC COM 492515101 92 20,000 SH   SOLE 0 0 0 20,000