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 257 818 SH   SOLE 0 0 0 817
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,264 25,389 SH   SOLE 0 0 0 25,389
VANGUARD REIT INDEX ETF ETF 922908553 3,693 43,480 SH   SOLE 0 2,019 0 41,460
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 266 2,456 SH   SOLE 0 0 0 2,456
SPDR S&P 500 ETF ETF 78462F103 207 554 SH   SOLE 0 0 0 554
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 1,036 18,620 SH   SOLE 0 567 0 18,053
ISHARES RUSSELL 2000 VALUE ETF 464287630 481 3,650 SH   SOLE 0 478 0 3,171
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 253 2,840 SH   SOLE 0 0 0 2,839
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,497 6,206 SH   SOLE 0 0 0 6,206
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 218 2,391 SH   SOLE 0 0 0 2,391
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,042 28,931 SH   SOLE 0 0 0 28,931
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,814 30,935 SH   SOLE 0 0 0 30,934
ISHARES US REAL ESTATE ETF ETF 464287739 1,460 17,049 SH   SOLE 0 2,922 0 14,126
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,900 22,586 SH   SOLE 0 0 0 22,585
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 927 10,090 SH   SOLE 0 0 0 10,089
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 530 17,284 SH   SOLE 0 0 0 17,284
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,439 40,976 SH   SOLE 0 0 0 40,976
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 587 1,398 SH   SOLE 0 0 0 1,397
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,426 20,568 SH   SOLE 0 0 0 20,568
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 262 3,433 SH   SOLE 0 0 0 3,432
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 664 11,972 SH   SOLE 0 0 0 11,971
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,229 12,673 SH   SOLE 0 1,184 0 11,488
ISHARES RUSSELL 2000 ETF ETF 464287655 1,183 6,035 SH   SOLE 0 0 0 6,035
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,173 20,931 SH   SOLE 0 0 0 20,931
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,402 20,860 SH   SOLE 0 5,956 0 14,904
ISHARES CORE MSCI EAFE ETF 46432F842 20,750 300,332 SH   SOLE 0 9,472 0 290,859
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 8,333 134,310 SH   SOLE 0 7,565 0 126,744
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 252 4,876 SH   SOLE 0 0 0 4,875
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 461 7,869 SH   SOLE 0 0 0 7,868
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 586 8,552 SH   SOLE 0 0 0 8,551
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,754 24,122 SH   SOLE 0 1,488 0 22,633
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 1,304 32,504 SH   SOLE 0 1,400 0 31,103
ISHARES S&P 500 VALUE ETF ETF 464287408 8,549 66,777 SH   SOLE 0 6,790 0 59,986
ISHARES S&P 500 GROWTH ETF ETF 464287309 7,508 117,636 SH   SOLE 0 1,421 0 116,214
ISHARES S&P 500 INDEX ETF 464287200 13,097 34,889 SH   SOLE 0 2,022 0 32,867
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 1,033 24,511 SH   SOLE 0 1,482 0 23,028
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 5,543 117,403 SH   SOLE 0 3,466 0 113,936
ISHARES AGGREGATE BOND ETF ETF 464287226 3,349 28,337 SH   SOLE 0 3,435 0 24,901
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 4,228 51,997 SH   SOLE 0 2,133 0 49,863
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 9,093 125,913 SH   SOLE 0 9,757 0 116,155
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,816 55,807 SH   SOLE 0 3,786 0 52,020
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 308 31,458 SH   SOLE 0 0 0 31,458
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 1,447 12,482 SH   SOLE 0 2,477 0 10,004
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,421 10,534 SH   SOLE 0 881 0 9,653
ISHARES RUSSELL 1000 ETF ETF 464287622 1,586 7,487 SH   SOLE 0 0 0 7,486
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 3,773 27,591 SH   SOLE 0 793 0 26,797