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
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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
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,780 338,749 SH   SOLE   0 0 338,749
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,233 168,677 SH   SOLE   0 0 168,677
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,724 169,373 SH   SOLE   0 0 169,373
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 7,190 82,662 SH   SOLE   0 0 82,662
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,921 74,477 SH   SOLE   0 0 74,477
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,911 257,103 SH   SOLE   0 0 257,103
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,853 87,941 SH   SOLE   0 0 87,941
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,765 96,733 SH   SOLE   0 0 96,733
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,648 88,937 SH   SOLE   0 0 88,937
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,509 55,849 SH   SOLE   0 0 55,849
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,111 66,872 SH   SOLE   0 0 66,872
ISHARES TR FLTG RATE BD ETF 46429B655 3,000 59,065 SH   SOLE   0 0 59,065
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,901 95,700 SH   SOLE   0 0 95,700
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,652 49,407 SH   SOLE   0 0 49,407
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 2,048 25,547 SH   SOLE   0 0 25,547
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,876 18,595 SH   SOLE   0 0 18,595
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,823 35,726 SH   SOLE   0 0 35,726
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,673 39,463 SH   SOLE   0 0 39,463
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 1,578 83,703 SH   SOLE   0 0 83,703
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,557 13,159 SH   SOLE   0 0 13,159
WABTEC CORP COM 929740108 1,494 17,152 SH   SOLE   0 0 17,152
ISHARES TR CORE S&P SCP ETF 464287804 1,331 19,250 SH   SOLE   0 0 19,250
ISHARES TR CORE S&P MCP ETF 464287507 1,233 7,261 SH   SOLE   0 0 7,261
ISHARES TR S&P 500 GRWT ETF 464287309 1,188 9,412 SH   SOLE   0 0 9,412
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,062 22,968 SH   SOLE   0 0 22,968
RPM INTL INC COM 749685103 1,043 19,562 SH   SOLE   0 0 19,562
ISHARES TR S&P 500 VAL ETF 464287408 1,034 10,051 SH   SOLE   0 0 10,051
ISHARES TR SELECT DIVID ETF 464287168 1,000 11,130 SH   SOLE   0 0 11,130
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 963 9,744 SH   SOLE   0 0 9,744
ISHARES TR CORE S&P500 ETF 464287200 840 3,639 SH   SOLE   0 0 3,639
ISHARES TR IBOXX INV CP ETF 464287242 834 7,119 SH   SOLE   0 0 7,119
VANGUARD INDEX FDS LARGE CAP ETF 922908637 756 7,191 SH   SOLE   0 0 7,191
SPDR SER TR BLOOMBERG SRT TR 78468R408 755 26,959 SH   SOLE   0 0 26,959
SPDR SERIES TRUST DJ REIT ETF 78464A607 743 7,971 SH   SOLE   0 0 7,971
HUNTINGTON BANCSHARES INC COM 446150104 641 45,743 SH   SOLE   0 0 45,743
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 615 16,200 SH   SOLE   0 0 16,200
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 588 17,839 SH   SOLE   0 0 17,839
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 509 5,154 SH   SOLE   0 0 5,154
WISDOMTREE TR INDIA ERNGS FD 97717W422 479 22,470 SH   SOLE   0 0 22,470
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 446 12,165 SH   SOLE   0 0 12,165
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 434 5,583 SH   SOLE   0 0 5,583
ARCHER DANIELS MIDLAND CO COM 039483102 366 8,215 SH   SOLE   0 0 8,215
VANGUARD INDEX FDS REIT ETF 922908553 343 4,125 SH   SOLE   0 0 4,125
CISCO SYS INC COM 17275R102 323 10,500 SH   SOLE   0 0 10,500
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 323 8,470 SH   SOLE   0 0 8,470
SPDR SERIES TRUST BLOMBERG BRC SRT 78464A474 311 10,176 SH   SOLE   0 0 10,176
FLEXSHARES TR IBOXX 3R TARGT 33939L506 305 12,302 SH   SOLE   0 0 12,302
PROGRESSIVE CORP OHIO COM 743315103 304 8,000 SH   SOLE   0 0 8,000
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 297 3,681 SH   SOLE   0 0 3,681
PENTAIR PLC SHS G7S00T104 274 4,500 SH   SOLE   0 0 4,500
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 247 6,690 SH   SOLE   0 0 6,690
RYDEX ETF TRUST GUGGENHM S&P 500 78355W205 244 1,519 SH   SOLE   0 0 1,519
SMUCKER J M CO COM NEW 832696405 233 1,714 SH   SOLE   0 0 1,714
ROCKWELL AUTOMATION INC COM 773903109 202 1,324 SH   SOLE   0 0 1,324