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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   80,798,372 1,111,547 SH   SOLE   685,547 426,000 0
ISHARES TR CORE S&P MCP ETF 464287507   80,519,877 307,939 SH   SOLE   239,139 68,800 0
ISHARES TR CORE S&P500 ETF 464287200   65,978,162 148,029 SH   SOLE   123,229 24,800 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   37,583,029 813,818 SH   SOLE   604,838 209,000 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   28,268,532 128,330 SH   SOLE   128,330 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   26,887,299 321,772 SH   SOLE   240,272 81,500 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,125,595 445,565 SH   SOLE   295,565 150,000 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   15,038,309 163,407 SH   SOLE   97,407 66,000 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   6,198,504 154,230 SH   SOLE   106,005 48,225 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,113,579 257,103 SH   SOLE   192,003 65,100 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,556,105 93,210 SH   SOLE   440 49,000 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,083,117 45,295 SH   SOLE   45,295 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,047,547 20,904 SH   SOLE   0 20,904 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,243,854 17,512 SH   SOLE   17,512 0 0
ISHARES TR RUS 1000 ETF 464287622   1,218,700 5,000 SH   SOLE   0 5,000 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,218,146 5,533 SH   SOLE   0 5,533 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,215,478 16,065 SH   SOLE   16,065 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   849,968 10,755 SH   SOLE   10,755 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   753,377 13,050 SH   SOLE   13,050 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   609,477 10,390 SH   SOLE   10,390 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   459,867 23,595 SH   SOLE   23,595 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   288,815 5,875 SH   SOLE   5,875 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   284,521 3,765 SH   SOLE   3,765 0 0