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 Core Conservative Allocation ETF CONSER ALLOC ETF 464289883 4,500 131,343 SH   SOLE   131,343 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 712 15,986 SH   SOLE   15,986 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 17,035 158,839 SH   SOLE   158,839 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 24,028 224,037 SH   DFND 1 224,037 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 2,080 24,287 SH   SOLE   24,287 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 1,866 21,790 SH   DFND 1 21,790 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 29,295 215,262 SH   SOLE   215,262 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 16,987 124,825 SH   DFND 1 124,825 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 392 3,270 SH   DFND 1 3,270 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 937 7,810 SH   DFND 1 7,810 0 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 355 1,861 SH   DFND 1 1,861 0 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630 341 2,802 SH   DFND 1 2,802 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 25,424 163,951 SH   SOLE   163,951 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 4,094 36,215 SH   SOLE   36,215 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 4,680 41,401 SH   DFND 1 41,401 0 0
PIMCO Enhanced Short Maturity Active ETF ENHAN SHRT MA AC 72201R833 7,153 70,442 SH   SOLE   70,442 0 0
PowerShares Fundamental HiYld CorpBd ETF FDM HG YLD RAFI 73936T557 6,002 324,256 SH   SOLE   324,256 0 0
PowerShares Fundamental HiYld CorpBd ETF FDM HG YLD RAFI 73936T557 2,789 150,681 SH   DFND 1 150,681 0 0
PowerShares International Corp Bd ETF INTL CORP BOND 73936Q835 560 20,135 SH   DFND 1 20,135 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 3,771 111,877 SH   SOLE   111,877 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 846 25,100 SH   DFND 1 25,100 0 0
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 14,961 237,173 SH   SOLE   237,173 0 0
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 6,517 103,313 SH   DFND 1 103,313 0 0
Schwab US Large-Cap Value ETF US LCAP VA ETF 808524409 12,241 231,666 SH   SOLE   231,666 0 0
Schwab US Large-Cap Value ETF US LCAP VA ETF 808524409 5,872 111,131 SH   DFND 1 111,131 0 0
SPDR Nuveen Blmbg Barclays Muni Bd ETF NUVEEN BRC MUNIC 78468R721 2,291 47,700 SH   SOLE   47,700 0 0
SPDR Portfolio Aggregate Bond ETF PORTFOLIO AGRGTE 78464A649 2,819 100,118 SH   SOLE   100,118 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 8,121 242,272 SH   SOLE   242,272 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 14,410 429,889 SH   DFND 1 429,889 0 0
VanEck Vectors AMT-Free Interm Muni ETF AMT FREE INT ETF 92189F544 8,482 360,471 SH   SOLE   360,471 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 12,121 146,944 SH   SOLE   146,944 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 5,749 69,690 SH   DFND 1 69,690 0 0
Vanguard REIT ETF REIT ETF 922908553 2,097 27,786 SH   DFND 1 27,786 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 3,022 21,632 SH   SOLE   21,632 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 4,148 84,802 SH   SOLE   84,802 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 4,735 96,808 SH   DFND 1 96,808 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 8,310 103,968 SH   SOLE   103,968 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 1,699 21,261 SH   DFND 1 21,261 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 19,170 350,264 SH   SOLE   350,264 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 14,315 261,550 SH   DFND 1 261,550 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 12,306 139,071 SH   SOLE   139,071 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 5,753 65,010 SH   DFND 1 65,010 0 0