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
POWERSHARES QQQ TR ETF 46090E103 202 814 SH   SOLE 0 0 0 814
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,495 29,984 SH   SOLE 0 0 0 29,984
VANGUARD REIT INDEX ETF ETF 922908553 3,396 43,244 SH   SOLE 0 1,418 0 41,825
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 267 2,475 SH   SOLE 0 0 0 2,475
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 1,067 20,967 SH   SOLE 0 567 0 20,399
ISHARES RUSSELL 2000 VALUE ETF 464287630 513 5,261 SH   SOLE 0 493 0 4,767
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 249 3,813 SH   SOLE 0 0 0 3,812
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,539 8,019 SH   SOLE 0 0 0 8,019
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,060 35,636 SH   SOLE 0 0 0 35,635
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,576 34,757 SH   SOLE 0 0 0 34,757
ISHARES US REAL ESTATE ETF ETF 464287739 1,625 20,619 SH   SOLE 0 2,883 0 17,735
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,738 26,964 SH   SOLE 0 0 0 26,963
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 764 11,194 SH   SOLE 0 98 0 11,095
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 546 22,405 SH   SOLE 0 0 0 22,405
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,255 44,992 SH   SOLE 0 0 0 44,992
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 480 1,479 SH   SOLE 0 0 0 1,479
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 215 4,370 SH   SOLE 0 0 0 4,370
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,263 23,477 SH   SOLE 0 0 0 23,477
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 304 5,353 SH   SOLE 0 0 0 5,353
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 584 13,694 SH   SOLE 0 0 0 13,694
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,059 13,844 SH   SOLE 0 1,226 0 12,617
ISHARES RUSSELL 2000 ETF ETF 464287655 997 6,961 SH   SOLE 0 0 0 6,961
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,369 24,348 SH   SOLE 0 0 0 24,347
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,155 21,190 SH   SOLE 0 5,997 0 15,193
ISHARES CORE MSCI EAFE ETF 46432F842 17,836 312,042 SH   SOLE 0 9,950 0 302,090
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 7,255 152,417 SH   SOLE 0 7,620 0 144,795
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 223 4,336 SH   SOLE 0 0 0 4,335
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 445 7,709 SH   SOLE 0 0 0 7,709
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 695 12,959 SH   SOLE 0 0 0 12,958
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,652 15,620 SH   SOLE 0 789 0 14,830
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 2,480 80,441 SH   SOLE 0 2,576 0 77,865
ISHARES S&P 500 VALUE ETF ETF 464287408 7,396 68,345 SH   SOLE 0 5,961 0 62,383
ISHARES S&P 500 GROWTH ETF ETF 464287309 8,048 38,789 SH   SOLE 0 291 0 38,496
ISHARES S&P 500 INDEX ETF 464287200 12,083 39,017 SH   SOLE 0 2,071 0 36,945
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 1,100 32,862 SH   SOLE 0 1,793 0 31,067
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 6,145 158,430 SH   SOLE 0 3,675 0 154,753
ISHARES AGGREGATE BOND ETF ETF 464287226 6,427 54,366 SH   SOLE 0 5,115 0 49,250
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 3,659 30,397 SH   SOLE 0 1,145 0 29,251
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 8,543 38,133 SH   SOLE 0 2,653 0 35,479
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,323 32,521 SH   SOLE 0 1,934 0 30,586
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 290 30,716 SH   SOLE 0 0 0 30,716
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 204 1,869 SH   SOLE 0 1,279 0 589
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,152 12,100 SH   SOLE 0 1,043 0 11,056
ISHARES RUSSELL 1000 ETF ETF 464287622 1,327 7,729 SH   SOLE 0 0 0 7,729
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 3,989 35,416 SH   SOLE 0 785 0 34,630