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
Expires: July 31, 2015
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
XRAY Stock 24906P109 4,138 390 SH SOLE 0 0 390
VXF ETF 922908652 665,650 2,704 SH SOLE 0 0 2,704
VWO ETF 922042858 17,276 289 SH SOLE 0 0 289
VTI ETF 922908769 132,474 358 SH SOLE 0 0 358
VTEB ETF 922907746 6,405,792 126,647 SH SOLE 0 0 126,647
VOO ETF 922908363 145,243 211 SH SOLE 0 0 211
VO ETF 922908629 344,517 4,276 SH SOLE 0 0 4,276
VMBS ETF 92206C771 176,248 3,765 SH SOLE 0 0 3,765
VGLT ETF 92206C847 11,193,188 202,849 SH SOLE 0 0 202,849
VEA ETF 921943858 86,569 1,215 SH SOLE 0 0 1,215
VB ETF 922908751 103,667 342 SH SOLE 0 0 342
SUB ETF 464288158 2,790,457 26,209 SH SOLE 0 0 26,209
SPY ETF 78462F103 975,848 1,307 SH SOLE 0 0 1,307
SPTL ETF 78464A664 535,853 20,429 SH SOLE 0 0 20,429
SPSM ETF 78468R853 2,994,924 51,932 SH SOLE 0 0 51,932
SPMD ETF 78464A847 513,610 7,602 SH SOLE 0 0 7,602
SPEM ETF 78463X509 3,215,908 62,107 SH SOLE 0 0 62,107
SPDW ETF 78463X889 8,315,367 165,020 SH SOLE 0 0 165,020
SHY ETF 464287457 49,430 602 SH SOLE 0 0 602
SCHZ ETF 808524839 1,815,978 78,512 SH SOLE 0 0 78,512
SCHX ETF 808524201 4,443,315 150,979 SH SOLE 0 0 150,979
SCHM ETF 808524508 1,002,470 27,189 SH SOLE 0 0 27,189
SCHF ETF 808524805 2,066,798 74,614 SH SOLE 0 0 74,614
SCHE ETF 808524706 1,224,901 33,781 SH SOLE 0 0 33,781
SCHB ETF 808524102 2,914,004 100,622 SH SOLE 0 0 100,622
SCHA ETF 808524607 2,626,727 72,702 SH SOLE 0 0 72,702
RWO ETF 78463X749 42,104 847 SH SOLE 0 0 847
MUB ETF 464288414 5,903,943 54,859 SH SOLE 0 0 54,859
IWV ETF 464287689 670,301 1,572 SH SOLE 0 0 1,572
IWR ETF 464287499 115,395 1,046 SH SOLE 0 0 1,046
IVV ETF 464287200 49,023,365 65,461 SH SOLE 0 0 65,461
IJR ETF 464287804 11,792,208 79,511 SH SOLE 0 0 79,511
IJH ETF 464287507 17,204,157 223,112 SH SOLE 0 0 223,112
IEMG ETF 46434G103 46,152,472 557,128 SH SOLE 0 0 557,128
IEFA ETF 46432F842 80,199,503 830,395 SH SOLE 0 0 830,395
IEF ETF 464287440 45,422,219 480,303 SH SOLE 0 0 480,303
IDEV ETF 46435G326 2,034,119 22,853 SH SOLE 0 0 22,853
EMB ETF 464288281 41,276 428 SH SOLE 0 0 428
EFA ETF 464287465 1,233,575 11,875 SH SOLE 0 0 11,875
EEM ETF 464287234 4,036 59 SH SOLE 0 0 59
DJP ETF 06738C778 4,378,212 100,165 SH SOLE 0 0 100,165
BSV ETF 921937827 307,204 3,943 SH SOLE 0 0 3,943
BSCQ ETF 46138J791 5,221,690 267,436 SH SOLE 0 0 267,436
BNDX ETF 92203J407 1,128,015 23,292 SH SOLE 0 0 23,292
BLV ETF 921937793 136,329 1,978 SH SOLE 0 0 1,978
BKLN ETF 46138G508 51,353 2,521 SH SOLE 0 0 2,521
BIV ETF 921937819 159,425 2,079 SH SOLE 0 0 2,079
AVDV ETF 025072802 7,332,589 71,156 SH SOLE 0 0 71,156
AGG ETF 464287226 5,939 60 SH SOLE 0 0 60
ACWI ETF 464288257 20,472 130 SH SOLE 0 0 130
VCIT ETF 92206C870 27,217,802 329,314 SH SOLE 0 0 329,314
VCSH ETF 92206C409 16,814,581 212,762 SH SOLE 0 0 212,762
VGSH ETF 92206C102 18,433,104 316,720 SH SOLE 0 0 316,720
DFGX ETF 25434V575 51,047,975 952,480 SH SOLE 0 0 952,480
DJP ETN 06738C778 4,379,523 100,195 SH SOLE 0 0 100,195