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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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
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,217 24,552 SH   SOLE 0 0 0 24,551
VANGUARD REIT INDEX ETF ETF 922908553 4,013 43,688 SH   SOLE 0 2,327 0 41,360
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 253 2,348 SH   SOLE 0 0 0 2,348
SPDR S&P 500 ETF ETF 78462F103 221 556 SH   SOLE 0 0 0 556
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 963 18,546 SH   SOLE 0 567 0 17,978
ISHARES RUSSELL 2000 VALUE ETF 464287630 540 3,383 SH   SOLE 0 479 0 2,903
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 245 2,455 SH   SOLE 0 0 0 2,454
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,508 6,206 SH   SOLE 0 0 0 6,206
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 232 2,398 SH   SOLE 0 0 0 2,398
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 637 16,943 SH   SOLE 0 0 0 16,942
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,763 28,774 SH   SOLE 0 0 0 28,774
ISHARES US REAL ESTATE ETF ETF 464287739 1,549 16,846 SH   SOLE 0 2,936 0 13,909
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,768 21,331 SH   SOLE 0 0 0 21,331
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 1,008 9,292 SH   SOLE 0 0 0 9,291
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 392 12,341 SH   SOLE 0 0 0 12,341
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,399 36,745 SH   SOLE 0 0 0 36,745
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 645 1,354 SH   SOLE 0 0 0 1,354
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,344 17,890 SH   SOLE 0 0 0 17,889
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 611 9,341 SH   SOLE 0 0 0 9,340
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473 1,351 12,363 SH   SOLE 0 1,188 0 11,174
ISHARES RUSSELL 2000 ETF ETF 464287655 1,024 4,636 SH   SOLE 0 0 0 4,636
SCHWAB US AGGREGATE BOND ETF ETF 808524839 298 5,532 SH   SOLE 0 0 0 5,531
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,423 20,244 SH   SOLE 0 5,956 0 14,287
ISHARES CORE MSCI EAFE ETF 46432F842 20,396 283,084 SH   SOLE 0 8,477 0 274,607
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 8,441 131,146 SH   SOLE 0 7,019 0 124,126
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 251 4,890 SH   SOLE 0 0 0 4,890
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 450 7,881 SH   SOLE 0 0 0 7,881
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 579 7,831 SH   SOLE 0 0 0 7,830
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 2,721 21,220 SH   SOLE 0 1,340 0 19,879
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 686 15,499 SH   SOLE 0 0 0 15,498
ISHARES S&P 500 VALUE ETF ETF 464287408 9,124 64,596 SH   SOLE 0 6,362 0 58,233
ISHARES S&P 500 GROWTH ETF ETF 464287309 7,673 117,846 SH   SOLE 0 1,423 0 116,421
ISHARES S&P 500 INDEX ETF 464287200 13,748 34,558 SH   SOLE 0 2,028 0 32,528
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 1,073 24,511 SH   SOLE 0 1,482 0 23,028
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 5,752 117,119 SH   SOLE 0 3,482 0 113,636
ISHARES AGGREGATE BOND ETF ETF 464287226 1,087 9,551 SH   SOLE 0 606 0 8,944
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 4,223 41,922 SH   SOLE 0 1,637 0 40,284
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 9,036 115,305 SH   SOLE 0 8,827 0 106,478
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,892 47,998 SH   SOLE 0 3,321 0 44,677
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 313 31,911 SH   SOLE 0 0 0 31,910
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 2,516 23,107 SH   SOLE 0 3,238 0 19,868
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,562 9,842 SH   SOLE 0 883 0 8,958
ISHARES RUSSELL 1000 ETF ETF 464287622 1,665 7,437 SH   SOLE 0 0 0 7,437
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 4,134 27,280 SH   SOLE 0 796 0 26,483