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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Dentsply Intl Inc Common Stock 24906P109   13,880 390 SH   SOLE   0 0 390
Scorpio Tankers Inc Common Stock Y7542C130   42,560 700 SH   SOLE   0 0 700
Invesco BulletShares 2025 Corp Bd ETF ETF 46138J825   19,628,839 959,611 SH   SOLE   0 0 959,611
iShares 7-10 Year Treasury Bond ETF ETF 464287440   39,981,393 414,788 SH   SOLE   0 0 414,788
iShares Barclays Aggregate Bond ETF ETF 464287226   511,116 5,150 SH   SOLE   0 0 5,150
iShares Core S&P Mid-Cap ETF ETF 464287507   13,039,613 47,049 SH   SOLE   0 0 47,049
Ishares Gold ETF ETF 464285204   3,122 80 SH   SOLE   0 0 80
Ishares Inc Core Msci Emerging Mkts Etf ETF 46434G103   24,644,148 487,231 SH   SOLE   0 0 487,231
Ishares Msci Acwi Etf ETF 464288257   256,053 2,516 SH   SOLE   0 0 2,516
Ishares Msci EAFE Index ETF ETF 464287465   2,572,600 34,142 SH   SOLE   0 0 34,142
Ishares Msci Emrg Mkt ETF ETF 464287234   6,675 166 SH   SOLE   0 0 166
Ishares National AMT Free Muni ETF ETF 464288414   9,109,049 84,024 SH   SOLE   0 0 84,024
iShares Russell 3000 Index (ETF) ETF 464287689   1,051,435 3,841 SH   SOLE   0 0 3,841
Ishares Russell Midcap ETF ETF 464287499   426,738 5,490 SH   SOLE   0 0 5,490
iShares S&P 500 Index (ETF) ETF 464287200   36,585,377 76,598 SH   SOLE   0 0 76,598
Ishares S&P 500 Value ETF ETF 464287408   38,430 221 SH   SOLE   0 0 221
iShares S&P SmallCap 600 Index (ETF) ETF 464287804   11,186,122 103,336 SH   SOLE   0 0 103,336
Ishares Short-Term National Muni Bond ETF ETF 464288158   4,086,034 38,756 SH   SOLE   0 0 38,756
Ishares Tr Barclays 1-3 Bond (SHY) ETF 464287457   1,003,021 12,226 SH   SOLE   0 0 12,226
Ishares TRUST Core Msci Eafe Etf ETF 46432F842   43,509,668 618,474 SH   SOLE   0 0 618,474
Powershares Etf ETF 46138G508   228,935 10,809 SH   SOLE   0 0 10,809
Schwab Emerging Market Equity Etf ETF 808524706   1,771,594 71,464 SH   SOLE   0 0 71,464
Schwab International Equity ETF ETF 808524805   3,423,189 92,619 SH   SOLE   0 0 92,619
Schwab US Broad Market Etf ETF 808524102   3,297,345 59,230 SH   SOLE   0 0 59,230
Schwab US Large Cap Etf ETF 808524201   6,965,400 123,500 SH   SOLE   0 0 123,500
Schwab US Mid-Cap Etf ETF 808524508   1,364,089 18,111 SH   SOLE   0 0 18,111
Schwab US Small Cap Etf ETF 808524607   1,362,406 28,840 SH   SOLE   0 0 28,840
SPDR Barclays Emerging Markets Local Bond ETF ETF 78464A391   1,293,325 60,891 SH   SOLE   0 0 60,891
SPDR Developed World Ex-US ETF ETF 78463X889   10,054,866 295,644 SH   SOLE   0 0 295,644
SPDR DJ Wilshire Global Real Estate (ETF) ETF 78463X749   66,833 1,529 SH   SOLE   0 0 1,529
SPDR Nvn Barclys Short Term Mncpl Bnd ETF ETF 78468R739   854,485 17,880 SH   SOLE   0 0 17,880
SPDR Portfolio Emerging Markets ETF ETF 78463X509   3,926,289 110,881 SH   SOLE   0 0 110,881
SPDR S&P 500 ETF ETF 78462F103   2,290,529 4,819 SH   SOLE   0 0 4,819
SPDR SERIES TRUST PORTFOLIO Mid Cap ETF ETF 78464A847   1,193,847 24,504 SH   SOLE   0 0 24,504
SPDR SERIES TRUST PORTFOLIO Small Cap ETF ETF 78468R853   5,329,492 126,351 SH   SOLE   0 0 126,351
SPDR Portfolio Long Term Treasury ETF ETF 78464A664   155,750 5,367 SH   SOLE   0 0 5,367
Vanguard Emerging Market ETF ETF 922042858   309,167 7,522 SH   SOLE   0 0 7,522
Vanguard Europe Pac Etf ETF 921943858   120,465 2,515 SH   SOLE   0 0 2,515
Vanguard Long-Term Treasury ETF ETF 92206C847   43,826,538 712,279 SH   SOLE   0 0 712,279
Vanguard Mid Cap ETF ETF 922908629   249,390 1,072 SH   SOLE   0 0 1,072
Vanguard S&P 500 Index ETF ETF 922908363   119,683 274 SH   SOLE   0 0 274
Vanguard Small Cap Index ETF ETF 922908751   22,034 103 SH   SOLE   0 0 103
Vanguard Total Stock Mkt ETF ETF 922908769   150,416 634 SH   SOLE   0 0 634
iPath Bloomberg Commodity Index Total Return ETN ETN 06738C778   3,638,382 119,723 SH   SOLE   0 0 119,723