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
VANGUARD INDEX FDS Common 922908769 305,739 2,856,842 SH   SOLE   2,856,842 0 0
ISHARES TR Common 464287408 93,588 1,014,949 SH   SOLE   1,014,949 0 0
ISHARES TR Common 464287473 28,090 380,826 SH   SOLE   380,826 0 0
ISHARES TR Common 464287630 23,262 228,332 SH   SOLE   228,332 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 635,005 16,015,264 SH   SOLE   16,015,264 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 167,323 4,093,038 SH   SOLE   4,093,038 0 0
ISHARES Common 464288679 34,650 314,173 SH   SOLE   314,173 0 0
VANGUARD BD INDEX FD INC Common 921937835 41,087 505,622 SH   SOLE   505,622 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 55,478 721,052 SH   SOLE   721,052 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 118,746 2,267,443 SH   SOLE   2,267,443 0 0
VANGUARD MALVERN FDS Common 922020805 17,655 362,676 SH   SOLE   362,676 0 0
ISHARES TR Common 464287242 37,664 325,476 SH   SOLE   325,476 0 0
ISHARES Common 464288414 194,028 1,793,068 SH   SOLE   1,793,068 0 0
ISHARES Common 464288356 3,364 29,116 SH   SOLE   29,116 0 0
ISHARES Common 464288323 1,450 13,228 SH   SOLE   13,228 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 2,993 35,085 SH   SOLE   35,085 0 0
SPDR SERIES TRUST Common 78464A375 200 5,895 SH   SOLE   5,895 0 0
SPDR SERIES TRUST Common 78464A458 3,063 129,151 SH   SOLE   129,151 0 0
ISHARES Common 464288281 6,161 56,054 SH   SOLE   56,054 0 0
SCHWAB STRATEGIC TR Common 808524102 27,344 544,373 SH   SOLE   544,373 0 0
ISHARES TR Common 464287150 1,252 13,260 SH   SOLE   13,260 0 0
VANGUARD INDEX FDS Common 922908744 235,263 2,822,595 SH   SOLE   2,822,595 0 0
SCHWAB STRATEGIC TR Common 808524409 1,556 36,155 SH   SOLE   36,155 0 0
VANGUARD INDEX FDS Common 922908512 77,154 851,868 SH   SOLE   851,868 0 0
ISHARES TR Common 464287705 367 2,846 SH   SOLE   2,846 0 0
VANGUARD INDEX FDS Common 922908611 69,479 644,462 SH   SOLE   644,462 0 0
ISHARES TR Common 464287879 390 3,310 SH   SOLE   3,310 0 0
SCHWAB STRATEGIC TR Common 808524805 106,717 3,502,362 SH   SOLE   3,502,362 0 0
ISHARES TR Common 46432F842 4,347 74,560 SH   SOLE   74,560 0 0
ISHARES INC Common 46434G103 27,861 579,960 SH   SOLE   579,960 0 0
ISHARES TR Common 464287234 1,191 30,072 SH   SOLE   30,072 0 0
ISHARES TR Common 464287200 1,276 6,161 SH   SOLE   6,161 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 1,371 54,042 SH   SOLE   54,042 0 0
SPDR SERIES TRUST Common 78464A813 367 3,383 SH   SOLE   3,383 0 0
VANGUARD STAR FD Common 921909768 2,170 43,112 SH   SOLE   43,112 0 0