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 1-3 Year Treasury Bond ETF 1-3YRTRBDETF 464287457 15 179 SH   SOLE   0 0 179
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 10,507 195,443 SH   SOLE   0 0 195,443
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 6,411 76,458 SH   SOLE   0 0 76,458
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 110 1,584 SH   SOLE   0 0 1,584
iShares MSCI EAFE Small-Cap ETF EAFE SML CP ETF 464288273 685 10,994 SH   SOLE   0 0 10,994
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 271 6,037 SH   SOLE   0 0 6,037
iShares TIPS Bond ETF TIPS BD ETF 464287176 7,864 67,528 SH   SOLE   0 0 67,528
iShares TR 20 YR TR BD ETF 20 YR TR BD ETF 464287432 4,695 34,708 SH   SOLE   0 0 34,708
ISHARES TR CORE MSCI EAFE CORE MSCI EAFE 46432F842 33,838 518,663 SH   SOLE   0 0 518,663
iShares TR Core US AGG BD ETF CORE US AGGBD ET 464287226 5,690 66,703 SH   SOLE   0 0 66,703
Schwab US REIT ETF US REIT ETF 808524847 9,706 211,194 SH   SOLE   0 0 211,194
SPDR S&P International Small Cap ETF S&P INTL SMLCP 78463X871 5,209 163,509 SH   SOLE   0 0 163,509
SPDR(R) Nuveen Blmbg Barclays ST MunBd ETF NUVN BR SHT MUNI 78468R739 123 2,505 SH   SOLE   0 0 2,505
SPDR(R) S&P 500 ETF TR UNIT 78462F103 67,148 208,624 SH   SOLE   0 0 208,624
SPDR(R) S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107 7,616 20,288 SH   SOLE   0 0 20,288
Vanguard FTSE All-Wld ex-US SmCp ETF FTSE SMCAP ETF 922042718 33 294 SH   SOLE   0 0 294
Vanguard FTSE Developed Markets Index Fund ETF FTSE DEV MKT ETF 921943858 8,609 195,387 SH   SOLE   0 0 195,387
Vanguard FTSE Emerging Markets Index Fund ETF FTSE EMR MKT ETF 922042858 1,389 31,231 SH   SOLE   0 0 31,231
Xtrackers USD High Yield Corp Bd ETF XTRACK USD HIGH 233051432 8,420 167,992 SH   SOLE   0 0 167,992