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
N/A COM 36174X101 207 10,000 SH   SOLE NONE 0 0 10,000
SPDR GOLD SHS 78463V107 208 1,719 SH   SOLE NONE 0 0 1,719
N/A COM 674599105 217 3,380 SH   SOLE NONE 0 0 3,380
N/A SPON ADR NEW 904767704 217 3,757 SH   SOLE NONE 0 0 3,757
N/A COM 191216100 223 4,957 SH   SOLE NONE 0 0 4,957
Vanguard SMALL CP ETF 922908751 225 1,593 SH   SOLE NONE 0 0 1,593
N/A COM 151020104 226 1,550 SH   SOLE NONE 0 0 1,550
N/A CL A 20030N101 228 5,928 SH   SOLE NONE 0 0 5,928
N/A COM 872540109 229 3,118 SH   SOLE NONE 0 0 3,118
N/A CAP STK CL A 02079K305 237 244 SH   SOLE NONE 0 0 244
N/A COM 65339F101 242 1,658 SH   SOLE NONE 0 0 1,658
N/A COM 74005P104 244 1,752 SH   SOLE NONE 0 0 1,752
N/A COM 539830109 246 795 SH   SOLE NONE 0 0 795
N/A COM 44267D107 253 2,147 SH   SOLE NONE 0 0 2,147
N/A COM 571748102 264 3,157 SH   SOLE NONE 0 0 3,157
N/A COM 816851109 267 2,342 SH   SOLE NONE 0 0 2,342
N/A SPON ADR NEW 25243Q205 267 2,025 SH   SOLE NONE 0 0 2,025
N/A COM 452308109 270 1,826 SH   SOLE NONE 0 0 1,826
N/A COM 00206R102 280 7,156 SH   SOLE NONE 0 0 7,156
N/A COM 002824100 286 5,360 SH   SOLE NONE 0 0 5,360
N/A COM 00287Y109 286 3,220 SH   SOLE NONE 0 0 3,220
iShares A RATE CP BD ETF 46429B291 287 5,456 SH   SOLE NONE 0 0 5,456
N/A COM 009158106 291 1,928 SH   SOLE NONE 0 0 1,928
Powershares FTSE RAFI 1000 73935X583 291 2,725 SH   SOLE NONE 0 0 2,725
N/A EQUITY ETF 381430503 292 5,850 SH   SOLE NONE 0 0 5,850
N/A COM 235851102 292 3,407 SH   SOLE NONE 0 0 3,407
N/A COM 25746U109 295 3,846 SH   SOLE NONE 0 0 3,846
N/A COM 91913Y100 309 4,025 SH   SOLE NONE 0 0 4,025
N/A COM 882508104 311 3,477 SH   SOLE NONE 0 0 3,477
N/A COM 194162103 312 4,284 SH   SOLE NONE 0 0 4,284
N/A COM 855244109 323 6,022 SH   SOLE NONE 0 0 6,022
N/A COM 26078J100 342 4,950 SH   SOLE NONE 0 0 4,950
N/A SHS G5960L103 348 4,484 SH   SOLE NONE 0 0 4,484
N/A COM 949746101 350 6,359 SH   SOLE NONE 0 0 6,359
N/A COM 458140100 375 9,853 SH   SOLE NONE 0 0 9,853
N/A COM 166764100 385 3,280 SH   SOLE NONE 0 0 3,280
N/A COM 58933Y105 392 6,129 SH   SOLE NONE 0 0 6,129
N/A COM 500754106 413 5,330 SH   SOLE NONE 0 0 5,330
N/A CL B 654106103 431 8,326 SH   SOLE NONE 0 0 8,326
N/A CL B NEW 084670702 444 2,422 SH   SOLE NONE 0 0 2,422
N/A COM 110122108 475 7,461 SH   SOLE NONE 0 0 7,461
Powershares DYNM LRG CP VL 73935X708 485 12,985 SH   SOLE NONE 0 0 12,985
N/A COM 681919106 548 7,404 SH   SOLE NONE 0 0 7,404
N/A CL A 609207105 565 13,913 SH   SOLE NONE 0 0 13,913
N/A COM 369604103 566 23,415 SH   SOLE NONE 0 0 23,415
N/A COM 863667101 568 4,001 SH   SOLE NONE 0 0 4,001
Vanguard ALLWRLD EX US 922042775 570 10,826 SH   SOLE NONE 0 0 10,826
N/A SPONSORED ADR 37733W105 571 14,084 SH   SOLE NONE 0 0 14,084
Vanguard MIDCP 400 IDX 921932885 586 4,854 SH   SOLE NONE 0 0 4,854
N/A COM 913017109 589 5,079 SH   SOLE NONE 0 0 5,079
N/A COM 69331C108 614 9,023 SH   SOLE NONE 0 0 9,023
N/A CL A COM 19625W104 617 49,140 SH   SOLE NONE 0 0 49,140
N/A COM 29250N105 669 15,990 SH   SOLE NONE 0 0 15,990
N/A COM 053015103 695 6,359 SH   SOLE NONE 0 0 6,359
N/A COM 78377T107 703 11,255 SH   SOLE NONE 0 0 11,255
N/A COM NEW 755111507 731 3,921 SH   SOLE NONE 0 0 3,921
N/A CL A COM 55303A105 739 24,465 SH   SOLE NONE 0 0 24,465
N/A COM 189754104 751 18,655 SH   SOLE NONE 0 0 18,655
N/A COM NEW 247361702 754 15,656 SH   SOLE NONE 0 0 15,656
N/A COM 38141G104 762 3,216 SH   SOLE NONE 0 0 3,216
N/A SHS EUR G6518L108 773 18,662 SH   SOLE NONE 0 0 18,662
N/A COM 478160104 795 6,115 SH   SOLE NONE 0 0 6,115
N/A COM 126650100 812 9,989 SH   SOLE NONE 0 0 9,989
N/A SHS G491BT108 833 23,799 SH   SOLE NONE 0 0 23,799
N/A COM 14149Y108 834 12,471 SH   SOLE NONE 0 0 12,471
N/A COM 37045V100 843 20,887 SH   SOLE NONE 0 0 20,887
N/A COM 98310W108 873 8,285 SH   SOLE NONE 0 0 8,285
N/A SHS - A - N53745100 881 8,897 SH   SOLE NONE 0 0 8,897
N/A COM 17275R102 899 26,758 SH   SOLE NONE 0 0 26,758
N/A SHS G29183103 904 11,778 SH   SOLE NONE 0 0 11,778
N/A COM 718546104 949 10,367 SH   SOLE NONE 0 0 10,367
N/A COM 11133T103 950 11,761 SH   SOLE NONE 0 0 11,761
N/A COM 031162100 957 5,138 SH   SOLE NONE 0 0 5,138
N/A COM 713448108 963 8,648 SH   SOLE NONE 0 0 8,648
N/A COM 375558103 968 11,959 SH   SOLE NONE 0 0 11,959
N/A COM 580135101 970 6,196 SH   SOLE NONE 0 0 6,196
N/A COM 693475105 978 7,262 SH   SOLE NONE 0 0 7,262
N/A COM 747525103 979 18,892 SH   SOLE NONE 0 0 18,892
N/A COM 174610105 1,004 26,526 SH   SOLE NONE 0 0 26,526
N/A COM 918204108 1,006 15,834 SH   SOLE NONE 0 0 15,834
N/A COM 008916108 1,011 9,437 SH   SOLE NONE 0 0 9,437
N/A COM 742718109 1,032 11,354 SH   SOLE NONE 0 0 11,354
N/A COM 717081103 1,062 29,752 SH   SOLE NONE 0 0 29,752
N/A COM DISNEY 254687106 1,067 10,826 SH   SOLE NONE 0 0 10,826
N/A COM 438516106 1,069 7,544 SH   SOLE NONE 0 0 7,544
N/A COM 437076102 1,101 6,733 SH   SOLE NONE 0 0 6,733
N/A COM 88579Y101 1,118 5,329 SH   SOLE NONE 0 0 5,329
N/A COM H1467J104 1,137 7,978 SH   SOLE NONE 0 0 7,978
N/A COM 595017104 1,147 12,778 SH   SOLE NONE 0 0 12,778
N/A CL A 57636Q104 1,174 8,319 SH   SOLE NONE 0 0 8,319
N/A REG SHS H84989104 1,174 14,144 SH   SOLE NONE 0 0 14,144
N/A COM 92343V104 1,199 24,241 SH   SOLE NONE 0 0 24,241
N/A SHS CLASS A G1151C101 1,204 8,917 SH   SOLE NONE 0 0 8,917
N/A COM 907818108 1,238 10,676 SH   SOLE NONE 0 0 10,676
N/A COM 30231G102 1,322 16,129 SH   SOLE NONE 0 0 16,129
N/A COM 097023105 1,322 5,203 SH   SOLE NONE 0 0 5,203
Powershares S&P500 LOW VOL 73937B779 1,329 29,036 SH   SOLE NONE 0 0 29,036
N/A COM 594918104 1,497 20,103 SH   SOLE NONE 0 0 20,103
N/A COM 037833100 1,540 9,994 SH   SOLE NONE 0 0 9,994
N/A COM 46625H100 1,729 18,110 SH   SOLE NONE 0 0 18,110
SPDR TR UNIT 78462F103 3,582 14,259 SH   SOLE NONE 0 0 14,259
Vanguard DIV APP ETF 921908844 3,799 40,084 SH   SOLE NONE 0 0 40,084
iShares SHORT TREAS BD 464288679 4,186 37,927 SH   SOLE NONE 0 0 37,927
iShares TIPS BD ETF 464287176 4,274 37,637 SH   SOLE NONE 0 0 37,637
Vanguard TOTAL BND MRKT 921937835 4,287 52,314 SH   SOLE NONE 0 0 52,314
iShares ISHARES 464285105 5,429 441,041 SH   SOLE NONE 0 0 441,041
SPDR BLOMBRG BRC INTR 78464A375 5,717 165,684 SH   SOLE NONE 0 0 165,684
Vanguard TOTAL STK MKT 922908769 5,891 45,484 SH   SOLE NONE 0 0 45,484
Powershares UNIT SER 1 73935A104 5,999 41,249 SH   SOLE NONE 0 0 41,249
Vanguard FTSE EMR MKT ETF 922042858 6,951 159,538 SH   SOLE NONE 0 0 159,538
iShares BARCLAYS 7 10 YR 464287440 9,157 85,972 SH   SOLE NONE 0 0 85,972
SPDR BLOMBERG BRC SRT 78464A474 9,457 308,374 SH   SOLE NONE 0 0 308,374
iShares CORE US AGGBD ET 464287226 10,277 93,783 SH   SOLE NONE 0 0 93,783
Schwab US DIVIDEND EQ 808524797 10,790 230,571 SH   SOLE NONE 0 0 230,571
iShares CORE S&P MCP ETF 464287507 17,646 98,636 SH   SOLE NONE 0 0 98,636
Vanguard SHORT TRM BOND 921937827 20,945 262,413 SH   SOLE NONE 0 0 262,413
iShares CORE S&P500 ETF 464287200 23,441 92,678 SH   SOLE NONE 0 0 92,678
Vanguard FTSE DEV MKT ETF 921943858 25,006 576,047 SH   SOLE NONE 0 0 576,047