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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
ISHARES TR 1 3 YR TREAS BD 464287457 53,848 648,065 SH   SOLE   648,065 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 45,721 265,355 SH   SOLE   265,355 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 10,981 92,223 SH   SOLE   92,223 0 0
ISHARES TR USA QUALITY FCTR 46432F339 15,866 175,566 SH   SOLE   175,566 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 551 7,833 SH   SOLE   7,833 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 296 1,017 SH   SOLE   1,017 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 34,011 421,558 SH   SOLE   421,558 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 101,564 678,680 SH   SOLE   678,680 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 72,449 1,391,917 SH   SOLE   1,391,917 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 18,455 341,762 SH   SOLE   341,762 0 0