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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
FIDELITY MSCI RL EST ETF 316092857 2,215 96,801 SH   SOLE   96,801 0 0
ISHARES INC CORE MSCI EMKT 46434G103 13,334 287,206 SH   SOLE   287,206 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,651 36,628 SH   SOLE   36,628 0 0
ISHARES TR IBOXX HI YD ETF 464288513 29 76,638 SH   SOLE   76,638 0 0
ISHARES TR RUS 1000 ETF 464287622 1,278 8,810 SH   SOLE   8,810 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 3,381 40,456 SH   SOLE   40,456 0 0
ISHARES TR NATIONAL MUN ETF 464288414 357 3,273 SH   SOLE   3,273 0 0
ISHARES TR CORE US AGGBD ET 464287226 10,002 300,667 SH   SOLE   300,667 0 0
ISHARES TR INTRMD CR BD ETF 464288638 0 71,389 SH   SOLE   71,389 0 0
ISHARES TR JPMORGAN USD EMG 464288281 4,806 44,216 SH   SOLE   44,216 0 0
ISHARES TR CORE S&P TTL STK 464287150 21,249 360,502 SH   SOLE   360,502 0 0
ISHARES TR TIPS BD ETF 464287176 3,641 32,209 SH   SOLE   32,209 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,444 255,628 SH   SOLE   255,628 0 0
ISHARES TR CORE S&P500 ETF 464287200 4 52,121 SH   SOLE   52,121 0 0
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 4,655 355,839 SH   SOLE   355,839 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 565 14,783 SH   SOLE   14,783 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,511 157,178 SH   SOLE   157,178 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,400 130,530 SH   SOLE   130,530 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,921 96,454 SH   SOLE   96,454 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 855 15,580 SH   SOLE   15,580 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 662 10,496 SH   SOLE   10,496 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,292 114,306 SH   SOLE   114,306 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,122 22,521 SH   SOLE   22,521 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,258 230,912 SH   SOLE   230,912 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,107 180,846 SH   SOLE   180,846 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,597 121,180 SH   SOLE   121,180 0 0
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,014 18,178 SH   SOLE   18,178 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,996 354,969 SH   SOLE   354,969 0 0
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 10,411 317,212 SH   SOLE   317,212 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,162 97,114 SH   SOLE   97,114 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,305 159,978 SH   SOLE   159,978 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,204 167,402 SH   SOLE   167,402 0 0