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
APPLE INC COM 037833100 329 2,135 SH   SOLE   2,135 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25459Y298 295 17,776 SH   SOLE   17,776 0 0
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 47,872 756,234 SH   SOLE   756,234 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 186,040 4,809,697 SH   SOLE   4,809,697 0 0
EXXON MOBIL CORP COM 30231G102 376 4,591 SH   SOLE   4,591 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 195,152 7,802,934 SH   SOLE   7,802,934 0 0
FLEXSHARES TR INTL QLTDV IDX 33939L837 10,236 390,371 SH   SOLE   390,371 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 29,815 2,897,436 SH   SOLE   2,897,436 0 0
ISHARES GOLD TRUST ISHARES 464285105 832,201 67,603,646 SH   SOLE   67,596,436 0 7,210
ISHARES INC CORE MSCI EMKT 46434G103 165,703 3,067,449 SH   SOLE   3,067,449 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 963 9,593 SH   SOLE   9,593 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,470,338 30,740,919 SH   SOLE   30,737,896 0 3,023
ISHARES TR 3 7 YR TREAS BD 464288661 86,701 701,975 SH   SOLE   701,975 0 0
ISHARES TR AGENCY BOND ETF 464288166 58,409 513,892 SH   SOLE   513,892 0 0
ISHARES TR CALIF MUN BD ETF 464288356 28,854 243,474 SH   SOLE   243,474 0 0
ISHARES TR CMBS ETF 46429B366 28,450 551,896 SH   SOLE   551,896 0 0
ISHARES TR CORE S&P500 ETF 464287200 202 799 SH   SOLE   799 0 0
ISHARES TR EAFE SML CP ETF 464288273 79,056 1,275,085 SH   SOLE   1,275,085 0 0
ISHARES TR IBOXX INV CP ETF 464287242 99,234 818,557 SH   SOLE   818,557 0 0
ISHARES TR INTL DEV RE ETF 464288489 1,318 45,154 SH   SOLE   45,154 0 0
ISHARES TR INTL TREA BD ETF 464288117 2,064 41,912 SH   SOLE   41,912 0 0
ISHARES TR PFD AND INCM SEC 464288687 561 14,446 SH   SOLE   14,446 0 0
ISHARES TR RUS 1000 ETF 464287622 451,258 3,226,038 SH   SOLE   3,226,038 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 149,970 1,012,085 SH   SOLE   1,012,085 0 0
ISHARES TR TIPS BD ETF 464287176 54,139 476,659 SH   SOLE   476,659 0 0
POWERSHARES ACT MANG COMM FD OPT YLD DIV 73937V106 124,505 7,389,048 SH   SOLE   7,389,048 0 0
POWERSHARES ETF TR II CALI MUNI ETF 73936T441 79,867 3,062,598 SH   SOLE   3,062,598 0 0
POWERSHARES ETF TR II DEV MKTS EX-US 73936T789 58,773 1,331,797 SH   SOLE   1,331,797 0 0
POWERSHARES ETF TR II EMER MRKT PORT 73936T763 39,471 1,850,481 SH   SOLE   1,850,481 0 0
POWERSHARES ETF TR II EX US SML PORT 73936T771 36,644 1,116,500 SH   SOLE   1,116,499 0 1
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 106,852 997,221 SH   SOLE   997,221 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 48,074 383,519 SH   SOLE   383,519 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 220,549 9,522,813 SH   SOLE   9,522,813 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 675,169 25,089,915 SH   SOLE   25,087,492 0 2,423
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,319,863 39,434,198 SH   SOLE   39,430,925 0 3,273
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 616,475 17,210,349 SH   SOLE   17,208,545 0 1,804
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 397,338 7,369,008 SH   SOLE   7,368,521 0 487
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,262,431 64,365,026 SH   SOLE   64,358,982 0 6,044
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,453,295 40,057,743 SH   SOLE   40,053,940 0 3,803
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 879,210 30,677,230 SH   SOLE   30,673,969 0 3,261
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,638,118 54,841,589 SH   SOLE   54,836,479 0 5,110
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 868,818 24,923,074 SH   SOLE   24,920,518 0 2,556
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 326,512 6,976,753 SH   SOLE   6,976,753 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,920,222 31,982,384 SH   SOLE   31,979,637 0 2,747
SCHWAB STRATEGIC TR US REIT ETF 808524847 634,398 15,424,202 SH   SOLE   15,422,945 0 1,257
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 947,507 14,064,238 SH   SOLE   14,063,069 0 1,169
SCHWAB STRATEGIC TR US TIPS ETF 808524870 258,866 4,684,501 SH   SOLE   4,684,501 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 145,449 2,123,977 SH   SOLE   2,123,977 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 167,427 4,058,853 SH   SOLE   4,058,853 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 206,876 5,123,218 SH   SOLE   5,123,218 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 434 1,725 SH   SOLE   1,725 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 52,484 1,073,062 SH   SOLE   1,073,062 0 0
SPDR SERIES TRUST BLOMBRG BRC MRTG 78464A383 3,410 129,496 SH   SOLE   129,496 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464A417 83,264 2,231,067 SH   SOLE   2,231,067 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 70,238 759,240 SH   SOLE   759,240 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 412,995 11,967,398 SH   SOLE   11,966,909 0 489
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 48,518 1,085,414 SH   SOLE   1,085,414 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 1,105,107 57,557,653 SH   SOLE   57,552,302 0 5,351
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 542,505 9,937,818 SH   SOLE   9,936,930 0 888
VANGUARD INDEX FDS LARGE CAP ETF 922908637 50,972 441,696 SH   SOLE   441,696 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,429 125,524 SH   SOLE   125,524 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 81,170 351,750 SH   SOLE   351,750 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 41,279 292,097 SH   SOLE   292,097 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 32,696 284,492 SH   SOLE   284,492 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 420,886 7,084,420 SH   SOLE   7,083,756 0 664
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 233,905 4,527,776 SH   SOLE   4,527,769 0 7
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,529 100,962 SH   SOLE   100,962 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,560 40,448 SH   SOLE   40,448 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,164,264 22,058,796 SH   SOLE   22,057,468 0 1,328
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 484,549 11,162,170 SH   SOLE   11,162,170 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 61,899 762,773 SH   SOLE   762,773 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 9,136 112,698 SH   SOLE   112,698 0 0