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 TR Core US AGG BD ETF CORE US AGGBD ET 464287226 10,788 99,379 SH   SOLE   0 0 99,379
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 12,228 185,664 SH   SOLE   0 0 185,664
SPDR S&P International Small Cap ETF S&P INTL SMLCP 78463X871 3,801 125,351 SH   SOLE   0 0 125,351
Xtrackers USD High Yield Corp Bd ETF XTRACK USD HIGH 233051432 6,798 138,118 SH   SOLE   0 0 138,118
ISHARES TR CORE MSCI EAFE CORE MSCI EAFE 46432F842 31,266 514,494 SH   SOLE   0 0 514,494
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 11,008 212,879 SH   SOLE   0 0 212,879
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 4,476 58,016 SH   SOLE   0 0 58,016
SPDR(R) S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107 4,933 14,283 SH   SOLE   0 0 14,283
Schwab US REIT ETF US REIT ETF 808524847 12,498 281,303 SH   SOLE   0 0 281,303
SPDR(R) Nuveen Blmbg Barclays ST MunBd ETF NUVN BR SHT MUNI 78468R739 1,500 31,020 SH   SOLE   0 0 31,020
iShares 1-3 Year Treasury Bond ETF 1-3YRTRBDETF 464287457 1,332 15,891 SH   SOLE   0 0 15,891
SPDR(R) S&P 500 ETF TR UNIT 78462F103 58,584 207,393 SH   SOLE   0 0 207,393
iShares TIPS Bond ETF TIPS BD ETF 464287176 9,065 80,196 SH   SOLE   0 0 80,196
iShares TR 20 YR TR BD ETF 20 YR TR BD ETF 464287432 6,137 48,744 SH   SOLE   0 0 48,744
Vanguard FTSE All-Wld ex-US SmCp ETF FTSE SMCAP ETF 922042718 2,146 20,609 SH   SOLE   0 0 20,609