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
ISHARES TR TIPS BD ETF 464287176 273 2,107 SH   SOLE   0 0 2,107
ISHARES TR GRWT ALLOCAT ETF 464289867 678 12,050 SH   SOLE   0 0 12,050
ISHARES TR CORE US AGGBD ET 464287226 336 2,929 SH   SOLE   0 0 2,929
ISHARES TR ISHS 5-10YR INVT 464288638 415 6,987 SH   SOLE   0 0 6,987
ISHARES TR MODERT ALLOC ETF 464289875 547 12,120 SH   SOLE   0 0 12,120
ISHARES TR MSCI EAFE ETF 464287465 1,269 16,516 SH   SOLE   0 0 16,516
ISHARES TR EAFE SML CP ETF 464288273 706 9,812 SH   SOLE   0 0 9,812
ISHARES TR RUS 1000 GRW ETF 464287614 3,441 11,475 SH   SOLE   0 0 11,475
ISHARES TR RUS 1000 ETF 464287622 2,133 8,362 SH   SOLE   0 0 8,362
ISHARES TR RUS 1000 VAL ETF 464287598 2,399 15,117 SH   SOLE   0 0 15,117
ISHARES TR RUS 2000 GRW ETF 464287648 228 782 SH   SOLE   0 0 782
ISHARES TR RUSSELL 2000 ETF 464287655 759 3,478 SH   SOLE   0 0 3,478
ISHARES TR RUS 2000 VAL ETF 464287630 605 3,770 SH   SOLE   0 0 3,770
ISHARES TR RUS MD CP GR ETF 464287481 818 7,118 SH   SOLE   0 0 7,118
ISHARES TR RUS MID CAP ETF 464287499 796 9,943 SH   SOLE   0 0 9,943
ISHARES TR RUS MDCP VAL ETF 464287473 948 8,200 SH   SOLE   0 0 8,200
ISHARES TR CORE S&P500 ETF 464287200 432 944 SH   SOLE   0 0 944
ISHARES TR ISHS 1-5YR INVS 464288646 12,703 235,018 SH   SOLE   0 0 235,018
ISHARES TR IBOXX INV CP ETF 464287242 234 1,759 SH   SOLE   0 0 1,759
JPMORGAN CHASE & CO COM 46625H100 1,001 6,303 SH   SOLE   0 0 6,303
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,145 38,369 SH   SOLE   0 0 38,369
SPDR SER TR PORTFOLIO INTRMD 78464A375 572 15,810 SH   SOLE   0 0 15,810
SPDR SER TR PORTFOLIO SHORT 78464A474 3,789 122,149 SH   SOLE   0 0 122,149
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,045 77,185 SH   SOLE   0 0 77,185
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,012 29,796 SH   SOLE   0 0 29,796
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,252 119,364 SH   SOLE   0 0 119,364
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,285 30,833 SH   SOLE   0 0 30,833
SPDR S&P 500 ETF TR TR UNIT 78462F103 279 613 SH   SOLE   0 0 613
SPDR SER TR PORTFOLIO AGRGTE 78464A649 4,372 146,618 SH   SOLE   0 0 146,618
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,238 106,175 SH   SOLE   0 0 106,175
SPDR SER TR PORTFOLIO S&P600 78468R853 4,653 108,162 SH   SOLE   0 0 108,162
SPDR SER TR PRTFLO S&P500 GW 78464A409 3,202 45,180 SH   SOLE   0 0 45,180
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,150 14,652 SH   SOLE   0 0 14,652
VANGUARD INDEX FDS GROWTH ETF 922908736 7,711 24,372 SH   SOLE   0 0 24,372
VANGUARD INDEX FDS LARGE CAP ETF 922908637 243 1,140 SH   SOLE   0 0 1,140
VANGUARD INDEX FDS VALUE ETF 922908744 9,364 67,662 SH   SOLE   0 0 67,662
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 396 5,170 SH   SOLE   0 0 5,170
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,472 111,247 SH   SOLE   0 0 111,247
VANGUARD WORLD FD ESG US STK ETF 921910733 302 3,567 SH   SOLE   0 0 3,567
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 213 1,621 SH   SOLE   0 0 1,621
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 242 2,288 SH   SOLE   0 0 2,288
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 588 8,749 SH   SOLE   0 0 8,749
VANGUARD BD INDEX FDS INTERMED TERM 921937819 19,297 216,847 SH   SOLE   0 0 216,847
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 988 10,578 SH   SOLE   0 0 10,578
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 698 12,199 SH   SOLE   0 0 12,199
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,141 269,283 SH   SOLE   0 0 269,283
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,850 19,379 SH   SOLE   0 0 19,379
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,846 55,090 SH   SOLE   0 0 55,090
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,708 54,492 SH   SOLE   0 0 54,492
VANGUARD INDEX FDS MID CAP ETF 922908629 720 2,927 SH   SOLE   0 0 2,927
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,050 3,781 SH   SOLE   0 0 3,781
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,116 27,450 SH   SOLE   0 0 27,450
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 862 12,388 SH   SOLE   0 0 12,388
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 421 5,162 SH   SOLE   0 0 5,162
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,412 164,930 SH   SOLE   0 0 164,930
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,878 54,075 SH   SOLE   0 0 54,075
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,582 15,047 SH   SOLE   0 0 15,047
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,260 14,746 SH   SOLE   0 0 14,746