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
ALPS ETF TR Alerian MLP - ETF 00162Q866 942 107,930 SH   SOLE N/A 0 0 107,930
FIRST TR EXCHANGE TRADED FD First Trust Short Maturity - ETF 33739Q408 7,033 117,517 SH   SOLE N/A 0 0 117,517
GLOBAL X Global X MLP - ETF 37950E473 285 37,216 SH   SOLE N/A 0 0 37,216
ISHARES TR iShares Barclays 20+ Year Treasury - ETF 464287432 7,053 58,043 SH   SOLE N/A 0 0 58,043
ISHARES TR iShares Barclays 7-10 Year Treasury - ETF 464287440 3,695 35,457 SH   SOLE N/A 0 0 35,457
ISHARES TR iShares Barclays Aggregate Bond Fund - ETF 464287226 329 3,088 SH   SOLE N/A 0 0 3,088
ISHARES TR iShares Barclays Short Treasury - ETF 464288679 2,386 21,631 SH   SOLE N/A 0 0 21,631
ISHARES TR iShares Floating Rate Bond - ETF 46429B655 320 6,354 SH   SOLE N/A 0 0 6,354
ISHARES TR iShares MSCI Emerg. Mkts Min. Volatility - ETF 464286533 4,442 79,513 SH   SOLE N/A 0 0 79,513
ISHARES TR iShares MSCI ACWI - ETF 464288257 261 4,071 SH   SOLE N/A 0 0 4,071
ISHARES TR iShares MSCI EAFE Min. Volatility - ETF 46429B689 4,392 65,883 SH   SOLE N/A 0 0 65,883
ISHARES TR iShares MSCI USA Min. Volatility - ETF 46429B697 4,740 90,467 SH   SOLE N/A 0 0 90,467
ISHARES TR iShares Short Maturity Bond - ETF 46431W507 6,231 124,988 SH   SOLE N/A 0 0 124,988
PIMCO Pimco Enhanced Short Maturity - ETF 72201R833 7,230 71,617 SH   SOLE N/A 0 0 71,617
POWERSHARES GLOBAL ETF Invesco Emerging Market Debt - ETF 73936T573 576 21,805 SH   SOLE N/A 0 0 21,805
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Utilities - ETF 78355W791 1,315 14,817 SH   SOLE N/A 0 0 14,817
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Cons. Disc. - ETF 78355W882 1,270 14,135 SH   SOLE N/A 0 0 14,135
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Cons. Staples - ETF 78355W874 1,294 11,111 SH   SOLE N/A 0 0 11,111
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Energy - ETF 78355W866 1,205 27,927 SH   SOLE N/A 0 0 27,927
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Financials - ETF 78355W858 1,295 35,613 SH   SOLE N/A 0 0 35,613
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Health Care - ETF 78355W841 1,331 7,500 SH   SOLE N/A 0 0 7,500
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Industrials - ETF 78355W833 1,316 12,739 SH   SOLE N/A 0 0 12,739
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Materials - ETF 78355W825 1,336 14,133 SH   SOLE N/A 0 0 14,133
POWERSHARES GLOBAL ETF Invesco Equal Wgt. Technology - ETF 78355W817 1,411 10,020 SH   SOLE N/A 0 0 10,020
POWERSHARES GLOBAL ETF Invesco High Yield Corporate Bond - ETF 73936T557 520 29,406 SH   SOLE N/A 0 0 29,406
POWERSHARES GLOBAL ETF Invesco HY Corporate Bond 2019 - ETF 18383M373 646 27,323 SH   SOLE N/A 0 0 27,323
POWERSHARES GLOBAL ETF Invesco HY Corporate Bond 2021 - ETF 18383M225 604 25,536 SH   SOLE N/A 0 0 25,536
POWERSHARES GLOBAL ETF Invesco IG Corp. Bond 2019 - ETF 18383M522 850 40,360 SH   SOLE N/A 0 0 40,360
POWERSHARES GLOBAL ETF Invesco IG Corporate Bond 2020 - ETF 18383M514 713 33,842 SH   SOLE N/A 0 0 33,842
POWERSHARES GLOBAL ETF Invesco Preferreds - ETF 73936T565 750 55,692 SH   SOLE N/A 0 0 55,692
POWERSHARES GLOBAL ETF Invesco Senior Bank Loan - ETF 73936Q769 715 32,815 SH   SOLE N/A 0 0 32,815
SCHWAB STRATEGIC TR Schwab REIT Fund - ETF 808524847 1,337 34,710 SH   SOLE N/A 0 0 34,710
SCHWAB STRATEGIC TR Schwab US Aggregate Bond - ETF 808524839 10,997 217,380 SH   SOLE N/A 0 0 217,380
SCHWAB STRATEGIC TR Schwab US Short-Term Treasury Fund - ETF 808524862 602 12,062 SH   SOLE N/A 0 0 12,062
SCHWAB STRATEGIC TR Schwab US Small Cap - ETF 808524607 4,584 75,537 SH   SOLE N/A 0 0 75,537
SCHWAB STRATEGIC TR Schwab US TIPS - ETF 808524870 1,436 26,965 SH   SOLE N/A 0 0 26,965
SCHWAB STRATEGIC TR Sector SPDR Consumer Staples - ETF 81369Y308 309 6,081 SH   SOLE N/A 0 0 6,081
SCHWAB STRATEGIC TR Sector SPDR Technology - ETF 81369Y803 302 4,866 SH   SOLE N/A 0 0 4,866
SCHWAB STRATEGIC TR Sector SPDR Utility Select - ETF 81369Y886 3,724 70,371 SH   SOLE N/A 0 0 70,371
SELECT SECTOR SPDR TR Sector SPDR Consumer Discretionary - ETF 81369Y407 395 3,986 SH   SOLE N/A 0 0 3,986
SPDR SERIES TR SPDR Invt Grade Fltg Rate - ETF 78468R200 489 16,087 SH   SOLE N/A 0 0 16,087
SPDR SERIES TR SPDR 1-3 Month T-Bill - ETF 78468R663 4,647 50,812 SH   SOLE N/A 0 0 50,812
SPDR SERIES TR SPDR Barclays Municipal Bond - ETF 78464A458 2,935 61,002 SH   SOLE N/A 0 0 61,002
SPDR SERIES TR SPDR Barclays Short Term Muni Bond - ETF 78464A425 1,616 33,622 SH   SOLE N/A 0 0 33,622
SPDR SERIES TR SPDR Long Term Treaasury - ETF 78464A664 853 24,355 SH   SOLE N/A 0 0 24,355
SPDR SERIES TR SPDR S&P 500 - ETF 78462F103 1,112 4,451 SH   SOLE N/A 0 0 4,451
VANGUARD BOND INDEX FD Vanguard Bond Index Fund - ETF 921937835 592 7,474 SH   SOLE N/A 0 0 7,474
VANGUARD CHARLOTTE FUNDS Vanguard Total Intl. Bond Market - ETF 92203J407 3,901 71,913 SH   SOLE N/A 0 0 71,913
VANGUARD INDEX FDS Vanguard Total Stock Market - ETF 922908769 512 4,013 SH   SOLE N/A 0 0 4,013