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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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
ISHARES TR EAFE SML CP ETF 464288273 2,509 36,707 SH   SOLE   36,707 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 69 710 SH   SOLE   710 0 0
ISHARES TR S&P MC 400VL ETF 464287705 215 2,488 SH   SOLE   2,488 0 0
ISHARES TR S&P MC 400GR ETF 464287606 224 3,100 SH   SOLE   3,100 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,700 87,310 SH   SOLE   87,310 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,031 55,254 SH   SOLE   55,254 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,671 4,470 SH   SOLE   4,470 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 21,659 601,477 SH   SOLE   601,477 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,205 14,185 SH   SOLE   14,185 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 4,813 201,136 SH   SOLE   201,136 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 11,609 187,004 SH   SOLE   187,004 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 33,017 96,067 SH   SOLE   96,067 0 0
ISHARES TR GLB INFRASTR ETF 464288372 2,050 46,905 SH   SOLE   46,905 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,496 42,171 SH   SOLE   42,171 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 910 3,772 SH   SOLE   3,772 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,110 2,958 SH   SOLE   2,958 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,696 173,546 SH   SOLE   173,546 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,478 37,849 SH   SOLE   37,849 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,283 5,177 SH   SOLE   5,177 0 0
ISHARES TR CORE S&P MCP ETF 464287507 662 2,882 SH   SOLE   2,882 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 37 258 SH   SOLE   258 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,813 26,247 SH   SOLE   26,247 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 730 5,337 SH   SOLE   5,337 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 933 3,681 SH   SOLE   3,681 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 352 2,493 SH   SOLE   2,493 0 0
SPDR GOLD TR GOLD SHS 78463V107 309 1,732 SH   SOLE   1,732 0 0
ISHARES TR RUS 1000 ETF 464287622 2,080 9,821 SH   SOLE   9,821 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 312 6,073 SH   SOLE   6,073 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 2,836 48,429 SH   SOLE   48,429 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,350 6,936 SH   SOLE   6,936 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 690 5,803 SH   SOLE   5,803 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 944 4,567 SH   SOLE   4,567 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 965 18,669 SH   SOLE   18,669 0 0
ISHARES TR CRE U S REIT ETF 464288521 349 7,211 SH   SOLE   7,211 0 0
ISHARES INC CORE MSCI EMKT 46434G103 668 10,760 SH   SOLE   10,760 0 0
ISHARES TR CORE S&P TTL STK 464287150 439 5,086 SH   SOLE   5,086 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 234 4,169 SH   SOLE   4,169 0 0
ISHARES GOLD TRUST ISHARES 464285105 70 3,836 SH   SOLE   3,836 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 49 1,289 SH   SOLE   1,289 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 158 1,700 SH   SOLE   1,700 0 0
ISHARES TR MSCI KLD400 SOC 464288570 39 548 SH   SOLE   548 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 120 2,536 SH   SOLE   2,536 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,044 5,364 SH   SOLE   5,364 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 89 1,535 SH   SOLE   1,535 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 49 681 SH   SOLE   681 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 21 240 SH   SOLE   240 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 226 3,756 SH   SOLE   3,756 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6 100 SH   SOLE   100 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 297 4,827 SH   SOLE   4,827 0 0
ISHARES TR S&P SML 600 GWT 464287887 6 50 SH   SOLE   50 0 0
ISHARES TR S&P 500 VAL ETF 464287408 176 1,373 SH   SOLE   1,373 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 128 363 SH   SOLE   363 0 0
ISHARES TR RUS MD CP GR ETF 464287481 4 38 SH   SOLE   38 0 0
ISHARES TR RUS MID CAP ETF 464287499 166 2,421 SH   SOLE   2,421 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 3 58 SH   SOLE   58 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5 20 SH   SOLE   20 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 58 513 SH   SOLE   513 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 101 775 SH   SOLE   775 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 189 2,960 SH   SOLE   2,960 0 0
INVESCO QQQ TR UNIT SER 1 46090E107 190 605 SH   SOLE   605 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 53 575 SH   SOLE   575 0 0
ISHARES TR MSCI CHINA ETF 46429B671 25 310 SH   SOLE   310 0 0
ISHARES TR MSCI CHINA A 46434V514 78 1,823 SH   SOLE   1,823 0 0