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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   80,916,805 1,159,599 SH   SOLE   715,599 444,000 0
ISHARES TR CORE S&P MCP ETF 464287507   76,744,682 307,779 SH   SOLE   238,979 68,800 0
ISHARES TR CORE S&P500 ETF 464287200   63,551,067 147,989 SH   SOLE   123,189 24,800 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   48,580,585 256,945 SH   SOLE   191,845 65,100 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   35,607,794 814,451 SH   SOLE   605,451 209,000 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   26,111,561 122,930 SH   SOLE   122,930 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   24,460,514 323,295 SH   SOLE   241,195 82,100 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,551,366 447,625 SH   SOLE   296,425 151,200 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   14,971,232 165,611 SH   SOLE   98,911 66,700 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   6,802,239 174,730 SH   SOLE   114,505 60,225 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,506,064 94,210 SH   SOLE   45,210 49,000 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,377,842 54,280 SH   SOLE   54,280 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,965,812 20,904 SH   SOLE   0 20,904 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,207,285 16,065 SH   SOLE   16,065 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,189,761 17,579 SH   SOLE   17,579 0 0
ISHARES TR RUS 1000 ETF 464287622   1,174,550 5,000 SH   SOLE   0 5,000 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,152,192 5,533 SH   SOLE   0 5,533 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   817,165 10,755 SH   SOLE   10,755 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   751,680 13,050 SH   SOLE   13,050 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   593,789 10,390 SH   SOLE   10,390 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   531,123 23,595 SH   SOLE   23,595 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   288,991 5,875 SH   SOLE   5,875 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   283,015 3,765 SH   SOLE   3,765 0 0