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 15 350 SH   SOLE   0 0 350
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 3,244 47,719 SH   SOLE   0 0 47,719
SPDR S&P International Small Cap ETF S&P INTL SMLCP 78463X871 1,008 29,327 SH   SOLE   0 0 29,327
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 4 71 SH   SOLE   0 0 71
Xtrackers USD High Yield Corp Bd ETF XTRACK USD HIGH 233051432 3,570 98,001 SH   SOLE   0 0 98,001
iShares Cohen & Steers REIT ETF COHEN&STEER REIT 464287564 16 157 SH   SOLE   0 0 157
ISHARES TR CORE MSCI EAFE CORE MSCI EAFE 46432F842 580 5,752 SH   SOLE   0 0 5,752
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 189 3,650 SH   SOLE   0 0 3,650
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 23,246 266,464 SH   SOLE   0 0 266,464
JPMorgan Diversified Alternative ETF DIVERSIFIED ET 46641Q803 337 39,073 SH   SOLE   0 0 39,073
SPDR S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107 2,731 58,537 SH   SOLE   0 0 58,537
Schwab US REIT ETF US REIT ETF 808524847 13,072 313,250 SH   SOLE   0 0 313,250
SPDR Nuveen Blmbg Barclays ST MunBd ETF NUVN BR SHT MUNI 78468R739 4,204 153,886 SH   SOLE   0 0 153,886
iShares 1-3 Year Treasury Bond ETF 1-3YRTRBDETF 464287457 7,862 94,940 SH   SOLE   0 0 94,940
SPDR S&P 500 ETF TR UNIT 78462F103 87,054 299,443 SH   SOLE   0 0 299,443
iShares TIPS Bond ETF TIPS BD ETF 464287176 366 61,033 SH   SOLE   0 0 61,033
Vanguard FTSE All-Wld ex-US SmCp ETF FTSE SMCAP ETF 922042718 6,066 54,086 SH   SOLE   0 0 54,086