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 MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 339 7,824 SH   SOLE   0 0 7,824
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 4,906 73,258 SH   SOLE   0 0 73,258
SPDR S&P International Small Cap ETF S&P INTL SMLCP 78463X871 874 25,455 SH   SOLE   0 0 25,455
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 6 71 SH   SOLE   0 0 71
Xtrackers USD High Yield Corp Bd ETF XTRACK USD HIGH 233051432 5,273 108,332 SH   SOLE   0 0 108,332
iShares Cohen & Steers REIT ETF COHEN&STEER REIT 464287564 233 2,333 SH   SOLE   0 0 2,333
ISHARES TR CORE MSCI EAFE CORE MSCI EAFE 46432F842 395 6,239 SH   SOLE   0 0 6,239
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 127 2,425 SH   SOLE   0 0 2,425
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 21,667 259,614 SH   SOLE   0 0 259,614
JPMorgan Diversified Alternative ETF DIVERSIFIED ET 46641Q803 949 37,887 SH   SOLE   0 0 37,887
SPDR S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107 16,146 45,478 SH   SOLE   0 0 45,478
Schwab US REIT ETF US REIT ETF 808524847 8,828 211,296 SH   SOLE   0 0 211,296
SPDR Nuveen Blmbg Barclays ST MunBd ETF NUVN BR SHT MUNI 78468R739 35,843 748,405 SH   SOLE   0 0 748,405
iShares 1-3 Year Treasury Bond ETF 1-3YRTRBDETF 464287457 28,228 339,682 SH   SOLE   0 0 339,682
SPDR S&P 500 ETF TR UNIT 78462F103 95,310 351,334 SH   SOLE   0 0 351,334
iShares TIPS Bond ETF TIPS BD ETF 464287176 6,916 61,771 SH   SOLE   0 0 61,771
Vanguard FTSE All-Wld ex-US SmCp ETF FTSE SMCAP ETF 922042718 6,740 58,399 SH   SOLE   0 0 58,399