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
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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
VANGUARD INDEX FDS Common 922908769 708,294 6,362,117 SH   SOLE   6,362,117 0 0
ISHARES TR Common 464287408 143,661 1,512,858 SH   SOLE   1,512,858 0 0
ISHARES TR Common 464287473 42,285 550,799 SH   SOLE   550,799 0 0
ISHARES TR Common 464287630 35,497 338,877 SH   SOLE   338,877 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 1,513,242 40,450,205 SH   SOLE   40,450,205 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 435,008 11,560,147 SH   SOLE   11,560,147 0 0
ISHARES TR Common 464288679 128,648 1,164,972 SH   SOLE   1,164,972 0 0
VANGUARD BD INDEX FD INC Common 921937835 146,374 1,739,654 SH   SOLE   1,739,654 0 0
VANGUARD INDEX FDS Common 922908553 470 5,419 SH   SOLE   5,419 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 149,181 1,827,528 SH   SOLE   1,827,528 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 322,360 5,752,320 SH   SOLE   5,752,320 0 0
VANGUARD MALVERN FDS Common 922020805 51,355 1,034,331 SH   SOLE   1,034,331 0 0
ISHARES TR Common 464287242 113,849 924,249 SH   SOLE   924,249 0 0
ISHARES TR Common 464288414 440,112 3,903,433 SH   SOLE   3,903,433 0 0
ISHARES TR Common 464288356 4,235 35,091 SH   SOLE   35,091 0 0
ISHARES TR Common 464288323 278 2,440 SH   SOLE   2,440 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 4,567 50,987 SH   SOLE   50,987 0 0
SPDR SERIES TRUST Common 78464A375 908 26,006 SH   SOLE   26,006 0 0
SPDR SERIES TRUST Common 78468R721 16,114 321,771 SH   SOLE   321,771 0 0
ISHARES TR Common 464288281 10,890 92,911 SH   SOLE   92,911 0 0
POWERSHARES GLOBAL ETF TRUST Common 73936T573 705 23,019 SH   SOLE   23,019 0 0
SCHWAB STRATEGIC TR Common 808524102 113,449 2,168,363 SH   SOLE   2,168,363 0 0
ISHARES TR Common 464287150 10,121 204,340 SH   SOLE   204,340 0 0
VANGUARD INDEX FDS Common 922908744 674,035 7,747,527 SH   SOLE   7,747,527 0 0
SCHWAB STRATEGIC TR Common 808524409 9,822 215,582 SH   SOLE   215,582 0 0
VANGUARD INDEX FDS Common 922908512 222,781 2,380,904 SH   SOLE   2,380,904 0 0
ISHARES TR Common 464287705 2,436 18,319 SH   SOLE   18,319 0 0
VANGUARD INDEX FDS Common 922908611 198,054 1,789,755 SH   SOLE   1,789,755 0 0
ISHARES TR Common 464287879 2,258 18,088 SH   SOLE   18,088 0 0
SCHWAB STRATEGIC TR Common 808524805 334,929 11,633,517 SH   SOLE   11,633,517 0 0
ISHARES TR Common 46432F842 33,784 612,697 SH   SOLE   612,697 0 0
ISHARES INC Common 46434G103 64,888 1,422,661 SH   SOLE   1,422,661 0 0
ISHARES TR Common 464287234 8,220 219,495 SH   SOLE   219,495 0 0
ISHARES TR Common 464287200 2,620 12,041 SH   SOLE   12,041 0 0
ISHARES TR Common 464287440 634 5,670 SH   SOLE   5,670 0 0
VANGUARD INDEX FDS Common 922908363 203 1,021 SH   SOLE   1,021 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 3,792 149,751 SH   SOLE   149,751 0 0
VANGUARD INDEX FDS Common 922908736 449 4,001 SH   SOLE   4,001 0 0
VANGUARD STAR FD Common 921909768 356 7,543 SH   SOLE   7,543 0 0
POWERSHARES ETF TRUST Common 73935X195 197 18,157 SH   SOLE   18,157 0 0
INDEXIQ ETF TR Common 45409B107 220 7,505 SH   SOLE   7,505 0 0
WISDOMTREE TR Common 97717W125 344 8,166 SH   SOLE   8,166 0 0
VANGUARD WHITEHALL FDS INC Common 921946406 596 8,255 SH   SOLE   8,255 0 0
ISHARES TR Common 464288687 596 15,090 SH   SOLE   15,090 0 0
ISHARES TR Common 464288588 428 3,888 SH   SOLE   3,888 0 0
MARKET VECTORS ETF TR Common 92189F361 393 12,171 SH   SOLE   12,171 0 0
ISHARES TR Common 464288653 278 1,919 SH   SOLE   1,919 0 0
ISHARES TR Common 464287432 254 1,850 SH   SOLE   1,850 0 0
CAMBRIA ETF TR Common 132061888 237 10,184 SH   SOLE   10,184 0 0
CAMBRIA ETF TR Common 132061409 237 12,141 SH   SOLE   12,141 0 0
CAMBRIA ETF TR Common 132061508 1,221 51,868 SH   SOLE   51,868 0 0