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 223 2,332 SH   SOLE   2,332 0 0
DBX ETF TR XTRAK MSCI EAFE 233051200 433 17,343 SH   SOLE   17,343 0 0
DIREXION SHS ETF TR ZACKS HG INC SHS 25459Y298 239 12,659 SH   SOLE   12,659 0 0
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 26,375 400,937 SH   SOLE   400,937 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 197,553 7,701,853 SH   SOLE   7,701,853 0 0
FLEXSHARES TR INTL QLTDV IDX 33939L837 2,855 130,488 SH   SOLE   130,488 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 7,546 649,433 SH   SOLE   649,433 0 0
HIGHLAND FDS I HI LD IBOXX SRLN 430101774 169,069 9,198,514 SH   SOLE   9,198,514 0 0
ISHARES GOLD TRUST ISHARES 464285105 335,527 26,295,280 SH   SOLE   26,294,363 0 917
ISHARES INC CORE MSCI EMKT 46434G103 151,871 3,629,795 SH   SOLE   3,629,795 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 521,522 11,254,249 SH   SOLE   11,253,897 0 352
ISHARES TR 3-7 YR TR BD ETF 464288661 86,526 679,434 SH   SOLE   679,434 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 148,967 1,318,849 SH   SOLE   1,318,849 0 0
ISHARES TR AGENCY BOND ETF 464288166 58,405 504,018 SH   SOLE   504,018 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,177 9,642 SH   SOLE   9,642 0 0
ISHARES TR CMBS ETF 46429B366 28,340 532,800 SH   SOLE   532,800 0 0
ISHARES TR EAFE SML CP ETF 464288273 101,462 2,102,393 SH   SOLE   2,102,393 0 0
ISHARES TR IBOXX INV CP ETF 464287242 98,606 803,409 SH   SOLE   803,409 0 0
ISHARES TR INTERM CR BD ETF 464288638 230 2,071 SH   SOLE   2,071 0 0
ISHARES TR INTL DEV RE ETF 464288489 265 9,084 SH   SOLE   9,084 0 0
ISHARES TR MICRO-CAP ETF 464288869 47,997 678,683 SH   SOLE   678,683 0 0
ISHARES TR MIN VOL USA ETF 46429B697 107,613 2,328,790 SH   SOLE   2,328,790 0 0
ISHARES TR RUS 1000 ETF 464287622 463,268 3,963,279 SH   SOLE   3,963,279 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 140,355 1,220,693 SH   SOLE   1,220,693 0 0
ISHARES TR TIPS BD ETF 464287176 53,774 460,912 SH   SOLE   460,912 0 0
ISHARES TR U.S. PFD STK ETF 464288687 866 21,700 SH   SOLE   21,700 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,120 11,563 SH   SOLE   11,563 0 0
POWERSHARES ACT MANG COMM FD DB OPT YLD DIV 73937V106 139,535 7,821,507 SH   SOLE   7,821,507 0 0
POWERSHARES ETF TR II DEV MKTS EX-US 73936T789 52,161 1,509,721 SH   SOLE   1,509,721 0 0
POWERSHARES ETF TR II EMER MRKT PORT 73936T763 43,639 2,685,485 SH   SOLE   2,685,485 0 0
POWERSHARES ETF TR II EX US SML PORT 73936T771 34,666 1,344,164 SH   SOLE   1,344,163 0 1
POWERSHARES ETF TRUST FTSE RAFI 1000 73935X583 90,945 1,004,692 SH   SOLE   1,004,692 0 0
POWERSHARES ETF TRUST FTSE US1500 SM 73935X567 38,397 394,669 SH   SOLE   394,669 0 0
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 1,406 61,189 SH   SOLE   61,189 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 308,646 14,497,252 SH   SOLE   14,496,858 0 394
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 562,917 20,764,195 SH   SOLE   20,763,844 0 351
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 217,591 7,556,573 SH   SOLE   7,556,368 0 205
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 177,289 3,167,571 SH   SOLE   3,167,536 0 35
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 752,367 24,822,395 SH   SOLE   24,821,599 0 796
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 446,477 15,212,176 SH   SOLE   15,211,677 0 499
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 342,071 16,032,576 SH   SOLE   16,032,008 0 568
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 520,014 21,904,568 SH   SOLE   21,903,902 0 666
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 306,596 11,359,628 SH   SOLE   11,359,248 0 380
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 77,171 1,862,245 SH   SOLE   1,862,245 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 747,315 15,015,352 SH   SOLE   15,015,023 0 329
SCHWAB STRATEGIC TR US REIT ETF 808524847 331,846 7,639,185 SH   SOLE   7,639,021 0 164
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 353,587 6,544,265 SH   SOLE   6,544,111 0 154
SCHWAB STRATEGIC TR US TIPS ETF 808524870 86,800 1,536,817 SH   SOLE   1,536,811 0 6
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 869 38,028 SH   SOLE   38,028 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 45,880 1,303,406 SH   SOLE   1,303,406 0 0
SPDR SER TR NUVN BRCLY MUNI 78468R721 53,173 1,051,056 SH   SOLE   1,051,056 0 0
SPDR SERIES TRUST BRC HGH YLD BD 78464A417 78,680 2,204,537 SH   SOLE   2,204,537 0 0
SPDR SERIES TRUST BRC MTG BCKD BD 78464A383 333 12,227 SH   SOLE   12,227 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 134,719 1,354,917 SH   SOLE   1,354,917 0 0
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 126,756 3,633,005 SH   SOLE   3,632,935 0 70
SPDR SERIES TRUST NUVN CALI MUNI 78464A441 32,777 1,291,968 SH   SOLE   1,291,968 0 0
SPDR SERIES TRUST WELLS FG PFD ETF 78464A292 30,639 664,975 SH   SOLE   664,975 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 385,639 20,436,625 SH   SOLE   20,435,909 0 716
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 204,338 3,668,532 SH   SOLE   3,668,426 0 106
VANGUARD INDEX FDS REIT ETF 922908553 3,964 44,702 SH   SOLE   44,702 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 76,879 399,995 SH   SOLE   399,995 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 37,140 321,058 SH   SOLE   321,058 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 31,009 333,107 SH   SOLE   333,107 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 154,265 2,853,581 SH   SOLE   2,853,503 0 78
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 36,723 696,833 SH   SOLE   696,833 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 401 4,483 SH   SOLE   4,483 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 684,291 12,707,356 SH   SOLE   12,707,209 0 147
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 411,949 11,650,146 SH   SOLE   11,650,146 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 47,857 596,055 SH   SOLE   596,055 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 3,642 50,960 SH   SOLE   50,960 0 0