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
SPDR SER TR BLOOMBERG BRCLYS 78468R622 15,648 144,126 SH   SOLE   82,926 61,200 0
ISHARES TR CORE S&P 500 ETF 464287200 74,761 156,735 SH   SOLE   125,935 30,800 0
ISHARES TR CORE US AGGBD ET 464287226 2,385 20,904 SH   SOLE   0 20,904 0
ISHARES TR CORE S&P MCP ETF 464287507 53,133 187,695 SH   SOLE   132,995 54,700 0
ISHARES TR RUSS 1000 ETF 464287622 1,322 5,000 SH   SOLE   0 5,000 0
ISHARES TR INTL DEV RE ETF 464288489 7,291 255,826 SH   SOLE   169,826 86,000 0
Ishares S&P GSCI Commodity I UNIT BEN INT 46428R107 428 25,015 SH   SOLE   25,015 0 0
Schwab Strategic TR US MID-CAP ETF 808524508 1,373 17,073 SH   SOLE   17,073 0 0
Vanguard Intl Equity Index F FTSE EMR MKT ETF 922042858 18,620 376,458 SH   SOLE   253,458 123,000 0
Vanguard Index FDS REAL ESTATE ETF 922908553 31,515 271,665 SH   SOLE   190,665 81,000 0
Vanguard Index FDS MID CAP ETF 922908629 1,410 5,533 SH   SOLE   0 5,533 0
Vanguard Index FDS SMALL CP ETF 922908751 66,302 293,360 SH   SOLE   217,160 76,200 0
Vanguard ETF Small Cap TOTAL STK MKT 922908769 34,836 144,283 SH   SOLE   144,283 0 0
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 5,204 94,345 SH   SOLE   51,595 42,750 0
Vanguard Scottsdale FDS MORTG-BACK SEC 92206C771 1,896 35,886 SH   SOLE   35,886 0 0
Vanguard Bd Index FDS TOTAL BND MRKT 921937835 68,263 805,460 SH   SOLE   553,260 252,200 0
Vanguard Tax-Managed Intl Fd FTSE DEV MKT ETF 921943858 35,955 704,178 SH   SOLE   501,178 203,000 0
Vanguard Star FDS VG TL INTL STK F 921909768 804 12,644 SH   SOLE   12,644 0 0
Vanguard BD Index FDS VANGUARD ULTRA 92203C303 135 2,705 SH   SOLE   2,705 0 0
Vanguard Scottsdale FDS SHORT TERM TREAS 92206C102 1,163 19,120 SH   SOLE   19,120 0 0
Vanguard Scottsdale FDS INTER TERM TREAS 92206C706 948 14,265 SH   SOLE   14,265 0 0
Vanguard Scottsdale FDS SHRT TRM CORP BD 92206C409 1,846 22,720 SH   SOLE   22,720 0 0
Vanguard Scottsdale FDS INT-TERM CORP 92206C870 1,315 14,175 SH   SOLE   14,175 0 0
ISHARES TR PFD AND INCM SEC 464288687 360 9,122 SH   SOLE   9,122 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 254 4,286 SH   SOLE   4,286 0 0
ISHARES TR JPMORGAN USD EMG 464288281 162 1,487 SH   SOLE   1,487 0 0
SPDR SER TR BLOOMBERG CONV 78464A359 220 2,650 SH   SOLE   2,650 0 0
Vanguard BD Index FDS SHORT TRM BOND 921937827 172 2,125 SH   SOLE   2,125 0 0
Apple Inc COM 037833100 3 15 SH   SOLE   15 0 0