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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
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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 AGGBD ET ETF 464287226 549,176 4,644,202 SH   SOLE   4,644,202 0 0
SPDR SER TR SPDR BLOOMBERG ETF 78468R663 20,774 226,970 SH   SOLE   226,970 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 41,677 715,425 SH   SOLE   715,425 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND ETF 921937827 70,946 854,261 SH   SOLE   854,261 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 63,160 572,360 SH   SOLE   572,360 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 446,629 7,378,649 SH   SOLE   7,378,649 0 0
ISHARES INC CORE MSCI EMKT ETF 46434G103 216,330 4,161,008 SH   SOLE   4,161,008 0 0
ISHARES TR ISHS 1-5YR INVS ETF 464288646 6,372 116,078 SH   SOLE   116,078 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 215,930 3,083,393 SH   SOLE   3,083,393 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 895,464 2,684,969 SH   SOLE   2,684,969 0 0
SPDR SER TR BLOOMBERG BRCLYS ETF 78468R622 107,447 1,034,245 SH   SOLE   1,034,245 0 0
SCHWAB STRATEGIC TR SHT TM US TRES ETF 808524862 219,548 4,261,421 SH   SOLE   4,261,421 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 86,939 1,407,243 SH   SOLE   1,407,243 0 0
ISHARES TR SHORT TREAS BD ETF 464288679 52,333 472,711 SH   SOLE   472,711 0 0
ISHARES TR 0-5 YR TIPS ETF ETF 46429B747 6,612 63,507 SH   SOLE   63,507 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 55,260 701,992 SH   SOLE   701,992 0 0