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 TR TIPS BD ETF 464287176 51,580 442,785 SH   SOLE 0 0 0 442,785
VANGUARD INDEX FDS REIT ETF 922908553 38,048 438,645 SH   SOLE 0 0 0 438,645
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 25,699 656,935 SH   SOLE 0 0 0 656,935
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,057 589,598 SH   SOLE 0 0 0 589,598
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 16,287 193,574 SH   SOLE 0 0 0 193,574
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,147 118,089 SH   SOLE 0 0 0 118,089
VANGUARD INDEX FDS VALUE ETF 922908744 10,606 121,910 SH   SOLE 0 0 0 121,910
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,521 112,445 SH   SOLE 0 0 0 112,445
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,683 97,285 SH   SOLE 0 0 0 97,285
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,292 246,937 SH   SOLE 0 0 0 246,937
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,919 174,305 SH   SOLE 0 0 0 174,305
ISHARES TR CALIF MUN BD ETF 464288356 7,810 64,714 SH   SOLE 0 0 0 64,714
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 6,185 214,442 SH   SOLE 0 0 0 214,442
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,791 39,213 SH   SOLE 0 0 0 39,213
ISHARES TR EAFE SML CP ETF 464288273 3,939 75,160 SH   SOLE 0 0 0 75,160
ISHARES TR NA NAT RES 464287374 3,766 109,281 SH   SOLE 0 0 0 109,281
ISHARES TR CORE US AGGBD ET 464287226 3,596 31,991 SH   SOLE 0 0 0 31,991
ISHARES TR RUS MDCP VAL ETF 464287473 3,387 44,123 SH   SOLE 0 0 0 44,123
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,330 30,093 SH   SOLE 0 0 0 30,093
ISHARES TR S&P 500 VAL ETF 464287408 3,280 34,543 SH   SOLE 0 0 0 34,543
FIDELITY MSCI RL EST ETF 316092857 3,085 125,904 SH   SOLE 0 0 0 125,904
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,665 25,048 SH   SOLE 0 0 0 25,048
ISHARES TR RUS 1000 GRW ETF 464287614 2,388 22,919 SH   SOLE 0 0 0 22,919
ISHARES TR CORE MSCI EAFE 46432F842 2,339 42,419 SH   SOLE 0 0 0 42,419
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 2,136 36,737 SH   SOLE 0 0 0 36,737
ISHARES MSCI BRIC INDX 464286657 2,072 60,484 SH   SOLE 0 0 0 60,484
SEMPRA ENERGY COM 816851109 1,870 17,448 SH   SOLE 0 0 0 17,448
ISHARES TR CORE S&P TTL STK 464287150 1,776 35,864 SH   SOLE 0 0 0 35,864
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,674 20,710 SH   SOLE 0 0 0 20,710
ISHARES TR S&P MC 400VL ETF 464287705 1,510 11,351 SH   SOLE 0 0 0 11,351
ISHARES TR RUS 1000 ETF 464287622 1,277 10,605 SH   SOLE 0 0 0 10,605
QUALCOMM INC COM 747525103 1,243 18,151 SH   SOLE 0 0 0 18,151
MERCK & CO INC COM 58933Y105 1,222 19,582 SH   SOLE 0 0 0 19,582
APPLE INC COM 037833100 1,160 10,259 SH   SOLE 0 0 0 10,259
SPDR SERIES TRUST CITI INT GVT ETF 78464A490 1,067 18,732 SH   SOLE 0 0 0 18,732
ISHARES INC CORE MSCI EMKT 46434G103 1,058 23,207 SH   SOLE 0 0 0 23,207
ISHARES TR MSCI EAFE ETF 464287465 1,020 17,248 SH   SOLE 0 0 0 17,248
ISHARES TR SP SMCP600VL ETF 464287879 986 7,899 SH   SOLE 0 0 0 7,899
ISHARES TR RUS 1000 VAL ETF 464287598 954 9,034 SH   SOLE 0 0 0 9,034
VANGUARD INDEX FDS MID CAP ETF 922908629 887 6,849 SH   SOLE 0 0 0 6,849
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 863 29,962 SH   SOLE 0 0 0 29,962
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 768 14,303 SH   SOLE 0 0 0 14,303
PFIZER INC COM 717081103 738 21,799 SH   SOLE 0 0 0 21,799
EXXON MOBIL CORP COM 30231G102 733 8,403 SH   SOLE 0 0 0 8,403
SPDR SERIES TRUST DJ REIT ETF 78464A607 725 7,448 SH   SOLE 0 0 0 7,448
PNC FINL SVCS GROUP INC COM 693475105 721 8,000 SH   SOLE 0 0 0 8,000
ISHARES TR 1-3 YR TR BD ETF 464287457 705 8,286 SH   SOLE 0 0 0 8,286
ABBVIE INC COM 00287Y109 670 10,622 SH   SOLE 0 0 0 10,622
ISHARES TR RUSSELL 3000 ETF 464287689 660 5,145 SH   SOLE 0 0 0 5,145
ALLERGAN PLC SHS G0177J108 642 2,789 SH   SOLE 0 0 0 2,789
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 636 14,747 SH   SOLE 0 0 0 14,747
HOME DEPOT INC COM 437076102 619 4,812 SH   SOLE 0 0 0 4,812
ISHARES TR INTL TREA BD ETF 464288117 594 5,918 SH   SOLE 0 0 0 5,918
ISHARES TR CORE S&P500 ETF 464287200 569 2,617 SH   SOLE 0 0 0 2,617
ISHARES TR 3-7 YR TR BD ETF 464288661 561 4,435 SH   SOLE 0 0 0 4,435
ISHARES TR CORE S&P MCP ETF 464287507 558 3,609 SH   SOLE 0 0 0 3,609
ISHARES TR CORE MSCITOTAL 46432F834 530 10,145 SH   SOLE 0 0 0 10,145
EDWARDS LIFESCIENCES CORP COM 28176E108 496 4,118 SH   SOLE 0 0 0 4,118
ISHARES TR RUS MD CP GR ETF 464287481 490 5,033 SH   SOLE 0 0 0 5,033
AMAZON COM INC COM 023135106 476 569 SH   SOLE 0 0 0 569
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 464 10,187 SH   SOLE 0 0 0 10,187
ABBOTT LABS COM 002824100 461 10,893 SH   SOLE 0 0 0 10,893
ISHARES TR MSCI EMG MKT ETF 464287234 457 12,200 SH   SOLE 0 0 0 12,200
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 448 5,430 SH   SOLE 0 0 0 5,430
FIRSTENERGY CORP COM 337932107 445 13,442 SH   SOLE 0 0 0 13,442
PIMCO ETF TR 1-5 US TIP IDX 72201R205 434 8,239 SH   SOLE 0 0 0 8,239
ISHARES TR U.S. REAL ES ETF 464287739 428 5,306 SH   SOLE 0 0 0 5,306
JOHNSON & JOHNSON COM 478160104 401 3,399 SH   SOLE 0 0 0 3,399
SCHWAB STRATEGIC TR US TIPS ETF 808524870 381 6,682 SH   SOLE 0 0 0 6,682
ISHARES TR RUSSELL 2000 ETF 464287655 380 3,063 SH   SOLE 0 0 0 3,063
UNITED TECHNOLOGIES CORP COM 913017109 366 3,602 SH   SOLE 0 0 0 3,602
BAXTER INTL INC COM 071813109 353 7,417 SH   SOLE 0 0 0 7,417
AMEREN CORP COM 023608102 347 7,058 SH   SOLE 0 0 0 7,058
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 345 3,999 SH   SOLE 0 0 0 3,999
ISHARES TR CORE RUSSELL VAL 464287663 336 7,282 SH   SOLE 0 0 0 7,282
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 334 14,488 SH   SOLE 0 0 0 14,488
MCKESSON CORP COM 58155Q103 332 1,992 SH   SOLE 0 0 0 1,992
GENERAL ELECTRIC CO COM 369604103 331 11,185 SH   SOLE 0 0 0 11,185
PHILIP MORRIS INTL INC COM 718172109 325 3,343 SH   SOLE 0 0 0 3,343
WELLS FARGO & CO NEW COM 949746101 308 6,959 SH   SOLE 0 0 0 6,959
CHARTER COMMUNICATIONS INC N CL A 16119P108 295 1,094 SH   SOLE 0 0 0 1,094
ISHARES TR CORE MSCI EURO 46434V738 280 6,773 SH   SOLE 0 0 0 6,773
US BANCORP DEL COM NEW 902973304 256 5,974 SH   SOLE 0 0 0 5,974
PPL CORP COM 69351T106 252 7,294 SH   SOLE 0 0 0 7,294
ISHARES TR SHRT TRS BD ETF 464288679 249 2,251 SH   SOLE 0 0 0 2,251
CHEVRON CORP NEW COM 166764100 245 2,380 SH   SOLE 0 0 0 2,380
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 233 1,612 SH   SOLE 0 0 0 1,612
ALPHABET INC CAP STK CL A 02079K305 231 287 SH   SOLE 0 0 0 287
TORO CO COM 891092108 225 4,800 SH   SOLE 0 0 0 4,800
ENERGY TRANSFER PRTNRS L P UNIT LTD PARTN 29273R109 222 6,000 SH   SOLE 0 0 0 6,000
AT&T INC COM 00206R102 213 5,253 SH   SOLE 0 0 0 5,253
ALPHABET INC CAP STK CL C 02079K107 205 264 SH   SOLE 0 0 0 264
KINDER MORGAN INC DEL COM 49456B101 203 8,772 SH   SOLE 0 0 0 8,772
BANK AMER CORP COM 060505104 175 11,211 SH   SOLE 0 0 0 11,211
NUVEEN CAL AMT-FREE MUN INC COM 670651108 169 10,187 SH   SOLE 0 0 0 10,187
SIRIUS XM HLDGS INC COM 82968B103 63 15,190 SH   SOLE 0 0 0 15,190