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
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
ISHARES TR U.S. INDS ETF 464287754 2,297 21,290 SH   SOLE   0 0 21,290
ISHARES TR CORE S&P SCP ETF 464287804 54,560 462,259 SH   SOLE   0 0 462,259
ISHARES TR GLOB TELECOM ETF 464287275 6,775 110,519 SH   SOLE   0 0 110,519
ISHARES TR 1-3 YR TR BD ETF 464287457 442 5,209 SH   SOLE   0 0 5,209
ISHARES SHT NTLAMTFR ETF 464288158 16,269 153,740 SH   SOLE   0 0 153,740
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,858 8,999 SH   SOLE   0 0 8,999
CAMPBELL SOUP CO COM 134429109 417 8,951 SH   SOLE   0 0 8,951
GOOGLE INC CL C 38259P706 316 576 SH   SOLE   0 0 576
WISDOMTREE TR SMALLCAP DIVID 97717W604 364 5,046 SH   SOLE   0 0 5,046
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 240 7,948 SH   SOLE   0 0 7,948
SPDR SERIES TRUST S&P DIVID ETF 78464A763 36,113 461,805 SH   SOLE   0 0 461,805
GENERAL ELECTRIC CO COM 369604103 15,982 644,181 SH   SOLE   0 0 644,181
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 419 7,783 SH   SOLE   0 0 7,783
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 64,527 1,278,271 SH   SOLE   0 0 1,278,271
ISHARES GLB CNSM STP ETF 464288737 2,113 23,079 SH   SOLE   0 0 23,079
ISHARES TR GLOBAL ENERG ETF 464287341 1,595 44,706 SH   SOLE   0 0 44,706
EXXON MOBIL CORP COM 30231G102 15,356 180,663 SH   SOLE   0 0 180,663
PROCTER & GAMBLE CO COM 742718109 685 8,361 SH   SOLE   0 0 8,361
VANGUARD INDEX FDS REIT ETF 922908553 546 6,469 SH   SOLE   0 0 6,469
ISHARES TR N AMER TECH ETF 464287549 27,900 270,535 SH   SOLE   0 0 270,535
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 1,402 58,186 SH   SOLE   0 0 58,186
NOVO-NORDISK A S ADR 670100205 7,120 133,367 SH   SOLE   0 0 133,367
ISHARES INTL SEL DIV ETF 464288448 644 19,158 SH   SOLE   0 0 19,158
CHEVRON CORP NEW COM 166764100 16,651 158,615 SH   SOLE   0 0 158,615
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 507 20,793 SH   SOLE   0 0 20,793
XILINX INC COM 983919101 364 8,611 SH   SOLE   0 0 8,611
ISHARES MSCI EM ASIA ETF 464286426 8,639 140,994 SH   SOLE   0 0 140,994
UNILEVER PLC SPON ADR NEW 904767704 371 8,906 SH   SOLE   0 0 8,906
ISHARES EMGR MKT INF ETF 464288216 630 19,181 SH   SOLE   0 0 19,181
ISHARES TR SELECT DIVID ETF 464287168 532 6,825 SH   SOLE   0 0 6,825
ISHARES TR MSCI EMG MKT ETF 464287234 537 13,391 SH   SOLE   0 0 13,391
ADVANCED MICRO DEVICES INC NOTE 6.000% 5/0 007903AL1 10 10,000 PRN   SOLE   0 0 10,000
WISDOMTREE TR DIV EX-FINL FD 97717W406 304 4,000 SH   SOLE   0 0 4,000
ISHARES INC CORE MSCI EMKT 46434G103 31,045 642,350 SH   SOLE   0 0 642,350
VANGUARD INDEX FDS VALUE ETF 922908744 22,550 269,900 SH   SOLE   0 0 269,900
ISHARES U.S. PFD STK ETF 464288687 713 17,775 SH   SOLE   0 0 17,775
ISHARES MSCI SINGAP ETF 464286673 14,505 1,133,241 SH   SOLE   0 0 1,133,241
DISNEY WALT CO COM DISNEY 254687106 19,275 183,766 SH   SOLE   0 0 183,766
VANGUARD INDEX FDS LARGE CAP ETF 922908637 13,009 136,619 SH   SOLE   0 0 136,619
COCA COLA CO COM 191216100 343 8,460 SH   SOLE   0 0 8,460
BERKSHIRE HATHAWAY INC DEL CL B NEW 84670702 17,865 123,787 SH   SOLE   0 0 123,787
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,838 20,963 SH   SOLE   0 0 20,963
ISHARES TR CORE HIGH DV ETF 46429B663 689 9,186 SH   SOLE   0 0 9,186
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 333 1,200 SH   SOLE   0 0 1,200
SPDR SER TR SHT TRM HGH YLD 78468R408 28,887 989,632 SH   SOLE   0 0 989,632
ISHARES TR CORE S&P500 ETF 464287200 17,272 83,105 SH   SOLE   0 0 83,105
CSX CORP COM 126408103 502 15,165 SH   SOLE   0 0 15,165
INTERNATIONAL BUSINESS MACHS COM 459200101 646 4,025 SH   SOLE   0 0 4,025
ABBVIE INC COM 00287Y109 17,752 303,251 SH   SOLE   0 0 303,251
ABBOTT LABS COM 2824100 9,434 203,635 SH   SOLE   0 0 203,635
BAXTER INTL INC COM 71813109 14,618 213,398 SH   SOLE   0 0 213,398
ISHARES TR MSCI EAFE ETF 464287465 3,051 47,547 SH   SOLE   0 0 47,547
ISHARES USA ESG SLCT ETF 464288802 300 3,489 SH   SOLE   0 0 3,489
ISHARES TR CORE S&P MCP ETF 464287507 31,905 209,928 SH   SOLE   0 0 209,928
SCHWAB CHARLES CORP NEW COM 808513105 385 12,645 SH   SOLE   0 0 12,645
PG&E CORP COM 69331C108 439 8,265 SH   SOLE   0 0 8,265
ISHARES TR CORE US AGGBD ET 464287226 2,423 21,743 SH   SOLE   0 0 21,743
ISHARES MSCI GERMANY ETF 464286806 1,662 55,703 SH   SOLE   0 0 55,703
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 15,883 477,268 SH   SOLE   0 0 477,268
ISHARES SHRT TRS BD ETF 464288679 4,257 38,605 SH   SOLE   0 0 38,605
PFIZER INC COM 717081103 530 15,229 SH   SOLE   0 0 15,229
SPDR SERIES TRUST SHRT INTL ETF 78464A334 2,039 67,189 SH   SOLE   0 0 67,189
AT&T INC COM 00206R102 718 21,990 SH   SOLE   0 0 21,990
ISHARES TR FLTG RATE BD ETF 46429B655 33,043 652,513 SH   SOLE   0 0 652,513
ISHARES TR DOW JONES US ETF 464287846 290 2,764 SH   SOLE   0 0 2,764
WELLS FARGO & CO NEW COM 949746101 227 4,170 SH   SOLE   0 0 4,170
QUALCOMM INC COM 747525103 14,550 209,831 SH   SOLE   0 0 209,831
PIMCO ETF TR 1-5 US TIP IDX 72201R205 38,298 737,915 SH   SOLE   0 0 737,915
CITIGROUP INC COM NEW 172967424 8,604 167,004 SH   SOLE   0 0 167,004
UNION PAC CORP COM 907818108 640 5,910 SH   SOLE   0 0 5,910
UNITED SECURITY BANCSHARES C COM 911460103 453 84,386 SH   SOLE   0 0 84,386
LOCKHEED MARTIN CORP COM 539830109 662 3,261 SH   SOLE   0 0 3,261
ISHARES TR SP SMCP600VL ETF 464287879 646 5,435 SH   SOLE   0 0 5,435
ISHARES TR S&P 100 ETF 464287101 583 6,456 SH   SOLE   0 0 6,456
CONOCOPHILLIPS COM 20825C104 274 4,408 SH   SOLE   0 0 4,408
VANGUARD INDEX FDS GROWTH ETF 922908736 315 2,929 SH   SOLE   0 0 2,929
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,088 10,752 SH   SOLE   0 0 10,752
STRYKER CORP COM 863667101 17,564 190,397 SH   SOLE   0 0 190,397
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,665 94,102 SH   SOLE   0 0 94,102
GOOGLE INC CL A 38259P508 320 576 SH   SOLE   0 0 576
HEWLETT PACKARD CO COM 428236103 383 12,300 SH   SOLE   0 0 12,300
COSTCO WHSL CORP NEW COM 22160K105 19,502 128,731 SH   SOLE   0 0 128,731
KIMBERLY CLARK CORP COM 494368103 659 6,156 SH   SOLE   0 0 6,156
INTEL CORP COM 458140100 419 13,401 SH   SOLE   0 0 13,401
ISHARES GLOBAL MATER ETF 464288695 14,066 247,462 SH   SOLE   0 0 247,462
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 492 4,660 SH   SOLE   0 0 4,660
ISHARES 1-3 YR CR BD ETF 464288646 41,717 395,310 SH   SOLE   0 0 395,310
ISHARES TR U.S. UTILITS ETF 464287697 19,238 172,134 SH   SOLE   0 0 172,134
RYDEX ETF TRUST GUG S&P500EQWTTE 78355W817 19,621 213,500 SH   SOLE   0 0 213,500
JOHNSON & JOHNSON COM 478160104 16,334 162,369 SH   SOLE   0 0 162,369
PEPSICO INC COM 713448108 401 4,189 SH   SOLE   0 0 4,189
ISHARES ASIA/PAC DIV ETF 464286293 371 7,617 SH   SOLE   0 0 7,617
WISDOMTREE TR MIDCAP DIVI FD 97717W505 714 8,292 SH   SOLE   0 0 8,292
ORACLE CORP COM 68389X105 17,319 401,378 SH   SOLE   0 0 401,378
MASTERCARD INC CL A 57636Q104 16,929 195,958 SH   SOLE   0 0 195,958
POWERSHARES ETF TRUST DYNA BUYBK ACH 73935X286 4,229 85,754 SH   SOLE   0 0 85,754
CLOROX CO DEL COM 189054109 344 3,118 SH   SOLE   0 0 3,118
ISHARES TR S&P MC 400VL ETF 464287705 824 6,293 SH   SOLE   0 0 6,293
AFLAC INC COM 1055102 17,375 271,444 SH   SOLE   0 0 271,444
ISHARES INTERM CR BD ETF 464288638 545 4,923 SH   SOLE   0 0 4,923
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,769 54,554 SH   SOLE   0 0 54,554
APPLE INC COM 37833100 28,087 225,721 SH   SOLE   0 0 225,721
MCDONALDS CORP COM 580135101 15,265 156,661 SH   SOLE   0 0 156,661
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 449 7,800 SH   SOLE   0 0 7,800