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
3M CO COM 88579Y101 203 1,134 SH   SOLE   0 0 1,134
ALTRIA GROUP INC COM 02209S103 203 3,000 SH   SOLE   0 0 3,000
APPLE INC COM 037833100 348 3,003 SH   SOLE   0 0 3,003
AT&T INC COM 00206R102 287 6,729 SH   SOLE   0 0 6,729
BANK AMER CORP COM 060505104 209 9,472 SH   SOLE   0 0 9,472
CHEVRON CORP NEW COM 166764100 310 2,640 SH   SOLE   0 0 2,640
COLGATE PALMOLIVE CO COM 194162103 502 7,670 SH   SOLE   0 0 7,670
DISNEY WALT CO COM DISNEY 254687106 229 2,203 SH   SOLE   0 0 2,203
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 634 11,020 SH   SOLE   0 0 11,020
EXXON MOBIL CORP COM 30231G102 362 4,003 SH   SOLE   0 0 4,003
GENERAL ELECTRIC CO COM 369604103 490 15,491 SH   SOLE   0 0 15,491
HOME DEPOT INC COM 437076102 223 1,665 SH   SOLE   0 0 1,665
INTERNATIONAL BUSINESS MACHS COM 459200101 315 1,896 SH   SOLE   0 0 1,896
ISHARES TR CORE US AGGBD ET 464287226 235 2,163 SH   SOLE   0 0 2,163
ISHARES TR RUS 1000 VAL ETF 464287598 7,093 63,319 SH   SOLE   0 0 63,319
ISHARES TR RUS 1000 GRW ETF 464287614 12,673 120,852 SH   SOLE   0 0 120,852
ISHARES TR NATIONAL MUN ETF 464288414 4,067 37,587 SH   SOLE   0 0 37,587
ISHARES TR HDG MSCI EAFE 46434V803 12,784 489,068 SH   SOLE   0 0 489,068
JOHNSON & JOHNSON COM 478160104 692 6,019 SH   SOLE   0 0 6,019
JPMORGAN CHASE & CO COM 46625H100 1,817 21,057 SH   SOLE   0 0 21,057
MERCK & CO INC COM 58933Y105 895 15,237 SH   SOLE   0 0 15,237
POWERSHARES GLOBAL ETF FD S&P 500 BUYWRT 73936G308 829 38,905 SH   SOLE   0 0 38,905
PUBLIC SVC ENTERPRISE GROUP COM 744573106 511 11,637 SH   SOLE   0 0 11,637
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 599 11,083 SH   SOLE   0 0 11,083
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,961 35,083 SH   SOLE   0 0 35,083
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,533 31,864 SH   SOLE   0 0 31,864
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,819 65,709 SH   SOLE   0 0 65,709
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 30,245 587,232 SH   SOLE   0 0 587,232
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 710 14,100 SH   SOLE   0 0 14,100
SPDR GOLD TRUST GOLD SHS 78463V107 6,486 59,152 SH   SOLE   0 0 59,152
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 33,367 689,483 SH   SOLE   0 0 689,483
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 212 2,620 SH   SOLE   0 0 2,620
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 467 8,602 SH   SOLE   0 0 8,602
VANGUARD INDEX FDS REIT ETF 922908553 5,941 71,892 SH   SOLE   0 0 71,892
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 4,160 86,851 SH   SOLE   0 0 86,851
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 949 18,886 SH   SOLE   0 0 18,886
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 1,718 34,605 SH   SOLE   0 0 34,605