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
DBX ETF TR XTRAK MSCI EAFE 233051200 84,902 3,126,003 SH   SOLE 3,126,003 0 0
DIREXION SHS ETF TR ZACKS HG INC SHS 25459Y298 271 15,574 SH   SOLE 15,574 0 0
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 23,620 451,708 SH   SOLE 451,708 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 186,525 7,669,598 SH   SOLE 7,669,598 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 2,196 211,365 SH   SOLE 211,365 0 0
HIGHLAND FDS I HI LD IBOXX SRLN 430101774 169,987 9,417,602 SH   SOLE 9,417,602 0 0
ISHARES 17 AMT-FREE ETF 464289271 444 16,226 SH   SOLE 16,226 0 0
ISHARES GOLD TRUST ISHARES 464285105 195,357 19,096,463 SH   SOLE 19,095,535 928 0
ISHARES INC CORE MSCI EMKT 46434G103 47,370 1,202,598 SH   SOLE 1,202,598 0 0
ISHARES TR TIPS BD ETF 464287176 4,147 37,810 SH   SOLE 37,810 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 48,293 1,368,479 SH   SOLE 1,368,479 0 0
ISHARES TR CORE S&P500 ETF 464287200 330 1,611 SH   SOLE 1,611 0 0
ISHARES TR IBOXX INV CP ETF 464287242 115,963 1,017,130 SH   SOLE 1,017,130 0 0
ISHARES TR MSCI EAFE ETF 464287465 212 3,596 SH   SOLE 3,596 0 0
ISHARES TR RUS 1000 ETF 464287622 379,079 3,345,507 SH   SOLE 3,345,507 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 129,225 1,147,446 SH   SOLE 1,147,446 0 0
ISHARES TR INTL TREA BD ETF 464288117 201 2,243 SH   SOLE 2,243 0 0
ISHARES TR AGENCY BOND ETF 464288166 57,219 505,690 SH   SOLE 505,690 0 0
ISHARES TR EAFE SML CP ETF 464288273 102,821 2,058,472 SH   SOLE 2,058,472 0 0
ISHARES TR CALI AMT-FRE ETF 464288356 1,441 12,198 SH   SOLE 12,198 0 0
ISHARES TR NAT AMT FREE BD 464288414 865 7,810 SH   SOLE 7,810 0 0
ISHARES TR MBS ETF 464288588 530 4,917 SH   SOLE 4,917 0 0
ISHARES TR INTERM CR BD ETF 464288638 26,000 242,350 SH   SOLE 242,350 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661 32,007 261,051 SH   SOLE 261,051 0 0
ISHARES TR U.S. PFD STK ETF 464288687 939 24,178 SH   SOLE 24,178 0 0
ISHARES TR MICRO-CAP ETF 464288869 46,059 638,818 SH   SOLE 638,818 0 0
ISHARES TR CMBS ETF 46429B366 25,974 512,702 SH   SOLE 512,702 0 0
ISHARES TR CORE MSCI EAFE 46432F842 230 4,238 SH   SOLE 4,238 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 325,862 7,317,817 SH   SOLE 7,317,470 347 0
MARKET VECTORS ETF TR JP MORGAN EM LC 57060U522 227,961 13,409,442 SH   SOLE 13,408,717 725 0
MARKET VECTORS ETF TR MKTVEC INTMUETF 57060U845 6,862 286,287 SH   SOLE 286,287 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 143,069 1,561,552 SH   SOLE 1,561,552 0 0
POWERSHARES ACT MANG COMM FD DB OPT YLD DIV 73937V106 177,766 11,387,900 SH   SOLE 11,387,900 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 48,652 518,182 SH   SOLE 518,182 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 52,003 598,909 SH   SOLE 598,909 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 1,430 63,818 SH   SOLE 63,818 0 0
POWERSHARES GLOBAL ETF TRUST EMER MRKT PORT 73936T763 21,525 1,544,129 SH   SOLE 1,544,129 0 0
POWERSHARES GLOBAL ETF TRUST EX US SML PORT 73936T771 25,348 977,992 SH   SOLE 977,992 0 0
POWERSHARES GLOBAL ETF TRUST DEV MKTS EX-US 73936T789 53,074 1,466,140 SH   SOLE 1,466,140 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 388 7,904 SH   SOLE 7,904 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 557,806 11,484,581 SH   SOLE 11,484,245 336 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 251 4,754 SH   SOLE 4,754 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 256,422 4,923,140 SH   SOLE 4,922,983 157 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 157,547 8,075,211 SH   SOLE 8,074,842 369 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 207,063 11,296,384 SH   SOLE 11,295,849 535 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 213,851 8,036,177 SH   SOLE 8,035,785 392 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 332,358 13,952,898 SH   SOLE 13,952,263 635 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 270,540 9,672,497 SH   SOLE 9,672,010 487 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 518,324 18,097,916 SH   SOLE 18,097,104 812 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 27,442 711,682 SH   SOLE 711,682 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 444,911 16,143,356 SH   SOLE 16,142,992 364 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 772 14,984 SH   SOLE 14,984 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 245,022 6,181,177 SH   SOLE 6,181,013 164 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 103,181 1,925,027 SH   SOLE 1,925,002 25 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 433 8,585 SH   SOLE 8,585 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 36,871 693,981 SH   SOLE 693,981 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 179,047 6,210,418 SH   SOLE 6,210,206 212 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 109,343 1,398,945 SH   SOLE 1,398,945 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 106,073 4,451,246 SH   SOLE 4,451,246 0 0
SPDR INDEX SHS FDS S&P GLBDIV ETF 78463X459 1,790 31,424 SH   SOLE 31,424 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 14,375 430,902 SH   SOLE 430,902 0 0
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 11,147 249,459 SH   SOLE 249,459 0 0
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 83,891 2,509,466 SH   SOLE 2,509,409 57 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 81,315 2,397,958 SH   SOLE 2,397,958 0 0
SPDR SERIES TRUST NUVN CALI MUNI 78464A441 22,414 923,889 SH   SOLE 923,889 0 0
SPDR SERIES TRUST NUVN BRCLY MUNI 78464A458 50,909 2,088,142 SH   SOLE 2,088,142 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 125,136 1,365,673 SH   SOLE 1,365,673 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 239 3,000 SH   SOLE 3,000 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 334 4,129 SH   SOLE 4,129 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 135,906 2,570,075 SH   SOLE 2,569,975 100 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 61,722 330,189 SH   SOLE 330,189 0 0
VANGUARD INDEX FDS REIT ETF 922908553 1,586 19,900 SH   SOLE 19,900 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 214 2,620 SH   SOLE 2,620 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 27,240 246,197 SH   SOLE 246,197 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,190 11,416 SH   SOLE 11,416 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 101,276 1,981,904 SH   SOLE 1,981,826 78 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,472 58,924 SH   SOLE 58,924 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 350 10,684 SH   SOLE 10,684 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 209 2,641 SH   SOLE 2,641 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 256 2,839 SH   SOLE 2,839 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 221 3,435 SH   SOLE 3,435 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 583,236 11,062,909 SH   SOLE 11,062,777 132 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 475 5,656 SH   SOLE 5,656 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 896 19,876 SH   SOLE 19,876 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 405,523 11,043,631 SH   SOLE 11,043,631 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,270 19,024 SH   SOLE 19,024 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 46,046 622,577 SH   SOLE 622,577 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 499 8,450 SH   SOLE 8,450 0 0