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
ABBOTT LABS COM 002824100 427 10,855 SH   SOLE 0 0 0 10,855
ABBVIE INC COM 00287Y109 653 10,546 SH   SOLE 0 0 0 10,546
ALLERGAN PLC SHS G0177J108 600 2,596 SH   SOLE 0 0 0 2,596
ALTRIA GROUP INC COM 02209S103 216 3,131 SH   SOLE 0 0 0 3,131
AMAZON COM INC COM 023135106 372 520 SH   SOLE 0 0 0 520
AMEREN CORP COM 023608102 375 7,002 SH   SOLE 0 0 0 7,002
APPLE INC COM 037833100 1,066 11,154 SH   SOLE 0 0 0 11,154
BANK AMER CORP COM 060505104 142 10,694 SH   SOLE 0 0 0 10,694
BAXTER INTL INC COM 071813109 334 7,395 SH   SOLE 0 0 0 7,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 233 1,612 SH   SOLE 0 0 0 1,612
EDWARDS LIFESCIENCES CORP COM 28176E108 411 4,118 SH   SOLE 0 0 0 4,118
ENERGY TRANSFER PRTNRS L P UNIT LTD PARTN 29273R109 228 6,000 SH   SOLE 0 0 0 6,000
EXXON MOBIL CORP COM 30231G102 321 3,424 SH   SOLE 0 0 0 3,424
FIDELITY MSCI RL EST ETF 316092857 2,373 95,446 SH   SOLE 0 0 0 95,446
FIRSTENERGY CORP COM 337932107 464 13,296 SH   SOLE 0 0 0 13,296
GENERAL ELECTRIC CO COM 369604103 246 7,816 SH   SOLE 0 0 0 7,816
HOME DEPOT INC COM 437076102 580 4,541 SH   SOLE 0 0 0 4,541
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 433 5,430 SH   SOLE 0 0 0 5,430
ISHARES MSCI BRIC INDX 464286657 1,990 65,073 SH   SOLE 0 0 0 65,073
ISHARES INC CORE MSCI EMKT 46434G103 830 19,844 SH   SOLE 0 0 0 19,844
ISHARES TR 1-3 YR TR BD ETF 464287457 541 6,344 SH   SOLE 0 0 0 6,344
ISHARES TR 3-7 YR TR BD ETF 464288661 565 4,435 SH   SOLE 0 0 0 4,435
ISHARES TR CALIF MUN BD ETF 464288356 6,759 55,376 SH   SOLE 0 0 0 55,376
ISHARES TR CORE MSCI EAFE 46432F842 2,053 39,557 SH   SOLE 0 0 0 39,557
ISHARES TR CORE MSCI EURO 46434V738 267 6,773 SH   SOLE 0 0 0 6,773
ISHARES TR CORE MSCITOTAL 46432F834 510 10,416 SH   SOLE 0 0 0 10,416
ISHARES TR CORE S&P MCP ETF 464287507 522 3,495 SH   SOLE 0 0 0 3,495
ISHARES TR CORE S&P TTL STK 464287150 1,453 15,253 SH   SOLE 0 0 0 15,253
ISHARES TR CORE S&P500 ETF 464287200 528 2,507 SH   SOLE 0 0 0 2,507
ISHARES TR CORE US AGGBD ET 464287226 3,343 29,686 SH   SOLE 0 0 0 29,686
ISHARES TR CORE US VAL ETF 464287663 388 2,893 SH   SOLE 0 0 0 2,893
ISHARES TR EAFE SML CP ETF 464288273 3,460 71,699 SH   SOLE 0 0 0 71,699
ISHARES TR INTL INFL-LKD BD 46429B770 363 8,402 SH   SOLE 0 0 0 8,402
ISHARES TR INTL TREA BD ETF 464288117 477 4,793 SH   SOLE 0 0 0 4,793
ISHARES TR MSCI EAFE ETF 464287465 980 17,551 SH   SOLE 0 0 0 17,551
ISHARES TR MSCI EMG MKT ETF 464287234 428 12,456 SH   SOLE 0 0 0 12,456
ISHARES TR NA NAT RES 464287374 3,781 113,809 SH   SOLE 0 0 0 113,809
ISHARES TR RUS 1000 ETF 464287622 1,247 10,664 SH   SOLE 0 0 0 10,664
ISHARES TR RUS 1000 GRW ETF 464287614 2,291 22,825 SH   SOLE 0 0 0 22,825
ISHARES TR RUS 1000 VAL ETF 464287598 950 9,198 SH   SOLE 0 0 0 9,198
ISHARES TR RUS MD CP GR ETF 464287481 486 5,192 SH   SOLE 0 0 0 5,192
ISHARES TR RUS MDCP VAL ETF 464287473 3,304 44,473 SH   SOLE 0 0 0 44,473
ISHARES TR RUSSELL 2000 ETF 464287655 357 3,107 SH   SOLE 0 0 0 3,107
ISHARES TR RUSSELL 3000 ETF 464287689 644 5,195 SH   SOLE 0 0 0 5,195
ISHARES TR S&P 500 VAL ETF 464287408 3,075 33,097 SH   SOLE 0 0 0 33,097
ISHARES TR S&P MC 400VL ETF 464287705 1,045 8,160 SH   SOLE 0 0 0 8,160
ISHARES TR SP SMCP600VL ETF 464287879 810 6,932 SH   SOLE 0 0 0 6,932
ISHARES TR TIPS BD ETF 464287176 49,672 425,749 SH   SOLE 0 0 0 425,749
ISHARES TR U.S. REAL ES ETF 464287739 458 5,562 SH   SOLE 0 0 0 5,562
JOHNSON & JOHNSON COM 478160104 355 2,927 SH   SOLE 0 0 0 2,927
LILLY ELI & CO COM 532457108 215 2,731 SH   SOLE 0 0 0 2,731
MCKESSON CORP COM 58155Q103 465 2,492 SH   SOLE 0 0 0 2,492
MERCK & CO INC COM 58933Y105 1,126 19,541 SH   SOLE 0 0 0 19,541
NUVEEN CAL AMT-FREE MUN INC COM 670651108 174 10,187 SH   SOLE 0 0 0 10,187
PFIZER INC COM 717081103 619 17,571 SH   SOLE 0 0 0 17,571
PHILIP MORRIS INTL INC COM 718172109 373 3,670 SH   SOLE 0 0 0 3,670
PIMCO ETF TR 1-5 US TIP IDX 72201R205 402 7,607 SH   SOLE 0 0 0 7,607
PNC FINL SVCS GROUP INC COM 693475105 651 8,000 SH   SOLE 0 0 0 8,000
PPL CORP COM 69351T106 273 7,221 SH   SOLE 0 0 0 7,221
PUBLIC STORAGE COM 74460D109 209 816 SH   SOLE 0 0 0 816
QUALCOMM INC COM 747525103 858 16,024 SH   SOLE 0 0 0 16,024
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 292 13,696 SH   SOLE 0 0 0 13,696
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 673 24,835 SH   SOLE 0 0 0 24,835
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 332 6,187 SH   SOLE 0 0 0 6,187
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 274 6,110 SH   SOLE 0 0 0 6,110
SCHWAB STRATEGIC TR US TIPS ETF 808524870 361 6,384 SH   SOLE 0 0 0 6,384
SEMPRA ENERGY COM 816851109 441 3,867 SH   SOLE 0 0 0 3,867
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 23,583 635,490 SH   SOLE 0 0 0 635,490
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 515 13,073 SH   SOLE 0 0 0 13,073
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 2,382 40,956 SH   SOLE 0 0 0 40,956
SPDR SERIES TRUST BRCLYS INTL ETF 78464A516 5,480 95,895 SH   SOLE 0 0 0 95,895
SPDR SERIES TRUST CITI INT GVT ETF 78464A490 732 13,324 SH   SOLE 0 0 0 13,324
SPDR SERIES TRUST DJ REIT ETF 78464A607 625 6,287 SH   SOLE 0 0 0 6,287
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 295 3,563 SH   SOLE 0 0 0 3,563
TORO CO COM 891092108 212 2,400 SH   SOLE 0 0 0 2,400
UNITED TECHNOLOGIES CORP COM 913017109 379 3,699 SH   SOLE 0 0 0 3,699
US BANCORP DEL COM NEW 902973304 248 6,143 SH   SOLE 0 0 0 6,143
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,183 14,596 SH   SOLE 0 0 0 14,596
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 16,186 192,000 SH   SOLE 0 0 0 192,000
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,553 25,053 SH   SOLE 0 0 0 25,053
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 9,806 110,086 SH   SOLE 0 0 0 110,086
VANGUARD INDEX FDS MID CAP ETF 922908629 840 6,798 SH   SOLE 0 0 0 6,798
VANGUARD INDEX FDS REIT ETF 922908553 39,145 441,467 SH   SOLE 0 0 0 441,467
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,968 28,180 SH   SOLE 0 0 0 28,180
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,582 39,605 SH   SOLE 0 0 0 39,605
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,441 116,098 SH   SOLE 0 0 0 116,098
VANGUARD INDEX FDS VALUE ETF 922908744 10,255 120,659 SH   SOLE 0 0 0 120,659
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,552 176,244 SH   SOLE 0 0 0 176,244
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,682 246,425 SH   SOLE 0 0 0 246,425
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,860 95,176 SH   SOLE 0 0 0 95,176
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,352 575,574 SH   SOLE 0 0 0 575,574
WELLS FARGO & CO NEW COM 949746101 329 6,959 SH   SOLE 0 0 0 6,959