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
ISHARES S&P 500 VALUE ETF ETF 464287408 268 2,561 SH   SOLE   2,561 0 0
FIDELITY MSCI RL EST ETF 316092857 1,712 72,147 SH   SOLE   72,147 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,483 197,139 SH   SOLE   197,139 0 0
ISHARES TR RUS 1000 ETF 464287622 778 5,913 SH   SOLE   5,913 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,091 56,182 SH   SOLE   56,182 0 0
ISHARES TR JP MOR EM MK ETF 464288281 4,593 40,340 SH   SOLE   40,340 0 0
ISHARES TR CORE S&P TTL STK 464287150 15,319 283,005 SH   SOLE   283,005 0 0
ISHARES TR TIPS BD ETF 464287176 13,198 115,462 SH   SOLE   115,462 0 0
ISHARES TR CORE MSCI EAFE 46432F842 9,476 163,324 SH   SOLE   163,324 0 0
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 6,575 226,203 SH   SOLE   226,203 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 565 13,865 SH   SOLE   13,865 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,714 124,328 SH   SOLE   124,328 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,874 161,627 SH   SOLE   161,627 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,291 24,929 SH   SOLE   24,929 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,506 45,133 SH   SOLE   45,133 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 665 11,821 SH   SOLE   11,821 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,471 113,405 SH   SOLE   113,405 0 0
VANGUARD INDEX FDS REIT ETF 922908553 1,204 14,658 SH   SOLE   14,658 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,905 147,329 SH   SOLE   147,329 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,011 250,142 SH   SOLE   250,142 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,963 253,126 SH   SOLE   253,126 0 0