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
ABERDEEN ASIA PACIFIC INCOM COM 003009107 205 40,000 SH   SOLE 40,000 0 0
COMSTOCK RES INC NOTE 7.750% 4/0 205768AM6 20 27,000 PRN   SOLE 27,000 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25459Y298 204 10,847 SH   SOLE 10,847 0 0
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 25,225 378,474 SH   SOLE 378,474 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 196,422 7,708,898 SH   SOLE 7,708,898 0 0
FLEXSHARES TR INTL QLTDV IDX 33939L837 4,731 207,758 SH   SOLE 207,758 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 11,740 1,011,215 SH   SOLE 1,011,215 0 0
HIGHLAND FDS I HI LD IBOXX SRLN 430101774 173,177 9,290,599 SH   SOLE 9,290,599 0 0
ISHARES GOLD TRUST ISHARES 464285105 390,078 30,738,989 SH   SOLE 30,733,095 5,894 0
ISHARES INC CORE MSCI EMKT 46434G103 159,211 3,490,706 SH   SOLE 3,490,706 0 0
ISHARES TR TIPS BD ETF 464287176 55,070 472,742 SH   SOLE 472,742 0 0
ISHARES TR IBOXX INV CP ETF 464287242 98,913 802,990 SH   SOLE 802,990 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 148,618 1,328,374 SH   SOLE 1,328,374 0 0
ISHARES TR RUS 1000 ETF 464287622 469,539 3,897,880 SH   SOLE 3,897,880 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 148,626 1,196,569 SH   SOLE 1,196,569 0 0
ISHARES TR INTL TREA BD ETF 464288117 270 2,690 SH   SOLE 2,690 0 0
ISHARES TR AGENCY BOND ETF 464288166 58,322 504,501 SH   SOLE 504,501 0 0
ISHARES TR EAFE SML CP ETF 464288273 104,578 1,995,370 SH   SOLE 1,995,370 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,083 25,541 SH   SOLE 25,541 0 0
ISHARES TR INTL DEV RE ETF 464288489 335 11,108 SH   SOLE 11,108 0 0
ISHARES TR 3-7 YR TR BD ETF 464288661 86,576 684,177 SH   SOLE 684,177 0 0
ISHARES TR U.S. PFD STK ETF 464288687 255 6,465 SH   SOLE 6,465 0 0
ISHARES TR MICRO-CAP ETF 464288869 52,238 669,632 SH   SOLE 669,632 0 0
ISHARES TR CMBS ETF 46429B366 28,478 536,509 SH   SOLE 536,509 0 0
ISHARES TR MIN VOL USA ETF 46429B697 105,132 2,314,159 SH   SOLE 2,314,159 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 250 2,473 SH   SOLE 2,473 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 650,074 13,749,448 SH   SOLE 13,746,824 2,624 0
POWERSHARES ACT MANG COMM FD DB OPT YLD DIV 73937V106 132,560 7,600,959 SH   SOLE 7,600,959 0 0
POWERSHARES ETF TR II CALI MUNI ETF 73936T441 41,389 1,556,581 SH   SOLE 1,556,581 0 0
POWERSHARES ETF TR II EMER MRKT PORT 73936T763 40,398 2,254,362 SH   SOLE 2,254,362 0 0
POWERSHARES ETF TR II EX US SML PORT 73936T771 35,865 1,287,327 SH   SOLE 1,287,326 1 0
POWERSHARES ETF TR II DEV MKTS EX-US 73936T789 54,611 1,486,020 SH   SOLE 1,486,020 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 39,540 375,180 SH   SOLE 375,180 0 0
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 90,573 967,662 SH   SOLE 967,662 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 749 32,265 SH   SOLE 32,265 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 906,836 17,567,522 SH   SOLE 17,565,132 2,390 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 433,039 7,524,577 SH   SOLE 7,523,493 1,084 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 359,715 15,599,086 SH   SOLE 15,596,934 2,152 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 403,938 17,022,236 SH   SOLE 17,019,417 2,819 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 382,998 13,076,057 SH   SOLE 13,073,844 2,213 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 661,361 26,234,061 SH   SOLE 26,229,587 4,474 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 584,526 18,770,898 SH   SOLE 18,767,371 3,527 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 935,573 30,073,069 SH   SOLE 30,067,588 5,481 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 118,674 2,804,872 SH   SOLE 2,804,872 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 667,106 23,171,438 SH   SOLE 23,168,728 2,710 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 358,387 8,402,970 SH   SOLE 8,401,933 1,037 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 205,567 3,699,905 SH   SOLE 3,699,405 500 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 130,768 2,290,968 SH   SOLE 2,290,968 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 275,069 8,907,679 SH   SOLE 8,906,162 1,517 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 75,161 2,042,974 SH   SOLE 2,042,974 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 310 1,437 SH   SOLE 1,437 0 0
SPDR SER TR NUVN BRCLY MUNI 78468R721 49,846 995,329 SH   SOLE 995,329 0 0
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 18,300 402,364 SH   SOLE 402,364 0 0
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 182,186 5,218,740 SH   SOLE 5,218,303 437 0
SPDR SERIES TRUST BRC MTG BCKD BD 78464A383 523 19,243 SH   SOLE 19,243 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 80,961 2,204,826 SH   SOLE 2,204,826 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 128,419 1,318,875 SH   SOLE 1,318,875 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 477,236 25,012,376 SH   SOLE 25,008,183 4,193 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 247,670 4,419,531 SH   SOLE 4,418,722 809 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 76,772 386,392 SH   SOLE 386,392 0 0
VANGUARD INDEX FDS REIT ETF 922908553 4,303 49,604 SH   SOLE 49,604 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 37,882 310,047 SH   SOLE 310,047 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 272 2,445 SH   SOLE 2,445 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 185,048 3,294,435 SH   SOLE 3,293,889 546 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 31,654 318,039 SH   SOLE 318,039 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 69,454 1,330,531 SH   SOLE 1,330,531 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 266 3,980 SH   SOLE 3,980 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 754,798 13,988,105 SH   SOLE 13,986,867 1,238 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 853 9,520 SH   SOLE 9,520 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 435,899 11,651,937 SH   SOLE 11,651,937 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 5,443 75,446 SH   SOLE 75,446 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 46,946 575,109 SH   SOLE 575,109 0 0