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
Schwab US REIT ETF iShares 1-3 Year Treasury Bond ETF 464287457 982 11,358 SH   SOLE   0 0 11,358
Xtrackers USD High Yield Corp Bd ETF iShares Core MSCI Emerging Markets ETF 46434G103 2,554 63,100 SH   SOLE   0 0 63,100
ISHARES TR CORE MSCI EAFE iShares Core S&P Small-Cap ETF 464287804 2,251 40,122 SH   SOLE   0 0 40,122
iShares 1-3 Year Treasury Bond ETF iShares TIPS Bond ETF 464287176 8,995 76,587 SH   SOLE   0 0 76,587
SPDR(R) S&P 500 ETF iShares TR 20 YR TR BD ETF 464287432 5,765 35,044 SH   SOLE   0 0 35,044
SPDR S&P International Small Cap ETF ISHARES TR CORE MSCI EAFE 46432F842 16,336 134,776 SH   SOLE   0 0 134,776
iShares TR Core US AGG BD ETF iShares TR Core US AGG BD ETF 464287226 58,110 505,789 SH   SOLE   0 0 505,789
iShares Core S&P Small-Cap ETF Schwab US REIT ETF 808524847 5,510 168,285 SH   SOLE   0 0 168,285
iShares MSCI EAFE ETF SPDR S&P International Small Cap ETF 78463X871 808 35,481 SH   SOLE   0 0 35,481
SPDR(R) S&P MidCap 400 ETF SPDR(R) Nuveen Blmbg Barclays ST MunBd ETF 78468R739 66 1,359 SH   SOLE   0 0 1,359
SPDR(R) Nuveen Blmbg Barclays ST MunBd ETF SPDR(R) S&P 500 ETF 78462F103 7,597 29,475 SH   SOLE   0 0 29,475
iShares Core MSCI Emerging Markets ETF SPDR(R) S&P MidCap 400 ETF 78467Y107 976 3,714 SH   SOLE   0 0 3,714