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
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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
ALTRIA GROUP INC COM 02209S103 395 5,531 SH   SOLE 0 0 5,531
BLDRS INDEX FDS TR DEV MK 100 ADR 09348R201 214 9,110 SH   SOLE 0 0 9,110
EXXON MOBIL CORP COM 30231G102 732 8,757 SH   SOLE 0 0 8,757
ISHARES INC CORE MSCI EMKT 46434G103 3,977 69,900 SH   SOLE 0 0 69,900
ISHARES TR 1 3 YR CR BD ETF 464288646 287 2,743 SH   SOLE 0 0 2,743
ISHARES TR 20 YR TR BD ETF 464287432 3,701 29,174 SH   SOLE 0 0 29,174
ISHARES TR CORE MSCI EAFE 46432F842 11,872 179,640 SH   SOLE 0 0 179,640
ISHARES TR CORE MSCI EURO 46434V738 586 11,674 SH   SOLE 0 0 11,674
ISHARES TR CORE MSCI PAC 46434V696 572 9,598 SH   SOLE 0 0 9,598
ISHARES TR CORE S&P MCP ETF 464287507 1,502 7,915 SH   SOLE 0 0 7,915
ISHARES TR CORE S&P SCP ETF 464287804 1,539 20,035 SH   SOLE 0 0 20,035
ISHARES TR EAFE GRWTH ETF 464288885 220 2,727 SH   SOLE 0 0 2,727
ISHARES TR INTRMD CR BD ETF 464288638 8,856 81,089 SH   SOLE 0 0 81,089
ISHARES TR JPMORGAN USD EMG 464288281 3,588 30,901 SH   SOLE 0 0 30,901
ISHARES TR MIN VOL USA ETF 46429B697 2,852 54,038 SH   SOLE 0 0 54,038
ISHARES TR MSCI EMG MKT ETF 464287234 384 8,153 SH   SOLE 0 0 8,153
ISHARES TR RUS MD CP GR ETF 464287481 340 2,816 SH   SOLE 0 0 2,816
ISHARES TR RUS MID CAP ETF 464287499 553 2,656 SH   SOLE 0 0 2,656
ISHARES TR RUSSELL 2000 ETF 464287655 798 5,233 SH   SOLE 0 0 5,233
ISHARES TR S&P 500 GRWT ETF 464287309 7,851 51,391 SH   SOLE 0 0 51,391
ISHARES TR S&P 500 VAL ETF 464287408 9,384 82,145 SH   SOLE 0 0 82,145
ISHARES TR TIPS BD ETF 464287176 428 3,750 SH   SOLE 0 0 3,750
ISHARES TR USA MOMENTUM FCT 46432F396 2,418 23,447 SH   SOLE 0 0 23,447
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 2,254 44,974 SH   SOLE 0 0 44,974
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 862 30,859 SH   SOLE 0 0 30,859
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 431 8,275 SH   SOLE 0 0 8,275
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 410 5,802 SH   SOLE 0 0 5,802
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,877 196,230 SH   SOLE 0 0 196,230
SPDR S&P 500 ETF TR TR UNIT 78462F103 232 869 SH   SOLE 0 0 869
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 1,152 213,383 SH   SOLE 0 0 213,383
UNION PAC CORP COM 907818108 220 1,642 SH   SOLE 0 0 1,642
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 6,244 74,490 SH   SOLE 0 0 74,490
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 4,112 51,990 SH   SOLE 0 0 51,990
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 810 9,926 SH   SOLE 0 0 9,926
VANGUARD INDEX FDS GROWTH ETF 922908736 5,602 39,832 SH   SOLE 0 0 39,832
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,394 10,914 SH   SOLE 0 0 10,914
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,590 14,249 SH   SOLE 0 0 14,249
VANGUARD INDEX FDS REIT ETF 922908553 1,468 17,695 SH   SOLE 0 0 17,695
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,437 10,820 SH   SOLE 0 0 10,820
VANGUARD INDEX FDS SMALL CP ETF 922908751 227 1,539 SH   SOLE 0 0 1,539
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,513 9,404 SH   SOLE 0 0 9,404
VANGUARD INDEX FDS TOTAL STK MKT 922908769 428 3,121 SH   SOLE 0 0 3,121
VANGUARD INDEX FDS VALUE ETF 922908744 5,560 52,292 SH   SOLE 0 0 52,292
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,768 38,519 SH   SOLE 0 0 38,519
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 2,967 50,156 SH   SOLE 0 0 50,156
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 3,168 43,460 SH   SOLE 0 0 43,460
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 752 12,437 SH   SOLE 0 0 12,437
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 227 3,054 SH   SOLE 0 0 3,054
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 4,362 83,177 SH   SOLE 0 0 83,177
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 619 13,808 SH   SOLE 0 0 13,808