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 249 2,190 SH   SOLE   0 0 2,190
ISHARES TR GRWT ALLOCAT ETF 464289867 592 12,331 SH   SOLE   0 0 12,331
ISHARES TR CORE US AGGBD ET 464287226 301 2,959 SH   SOLE   0 0 2,959
ISHARES TR ISHS 5-10YR INVT 464288638 350 6,847 SH   SOLE   0 0 6,847
ISHARES TR MODERT ALLOC ETF 464289875 497 12,768 SH   SOLE   0 0 12,768
ISHARES TR MSCI EAFE ETF 464287465 1,048 16,778 SH   SOLE   0 0 16,778
ISHARES TR EAFE SML CP ETF 464288273 536 9,812 SH   SOLE   0 0 9,812
ISHARES TR RUS 1000 GRW ETF 464287614 2,243 10,255 SH   SOLE   0 0 10,255
ISHARES TR RUS 1000 ETF 464287622 1,730 8,325 SH   SOLE   0 0 8,325
ISHARES TR RUS 1000 VAL ETF 464287598 1,999 13,790 SH   SOLE   0 0 13,790
ISHARES TR RUSSELL 2000 ETF 464287655 554 3,272 SH   SOLE   0 0 3,272
ISHARES TR RUS 2000 VAL ETF 464287630 507 3,722 SH   SOLE   0 0 3,722
ISHARES TR RUS MD CP GR ETF 464287481 561 7,084 SH   SOLE   0 0 7,084
ISHARES TR RUS MID CAP ETF 464287499 623 9,628 SH   SOLE   0 0 9,628
ISHARES TR RUS MDCP VAL ETF 464287473 837 8,237 SH   SOLE   0 0 8,237
ISHARES TR CORE S&P500 ETF 464287200 362 955 SH   SOLE   0 0 955
ISHARES TR ISHS 1-5YR INVS 464288646 11,874 234,889 SH   SOLE   0 0 234,889
ISHARES TR IBOXX INV CP ETF 464287242 205 1,859 SH   SOLE   0 0 1,859
JPMORGAN CHASE & CO COM 46625H100 772 6,855 SH   SOLE   0 0 6,855
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 975 38,404 SH   SOLE   0 0 38,404
SPDR SER TR PORTFOLIO INTRMD 78464A375 507 15,540 SH   SOLE   0 0 15,540
SPDR SER TR PORTFOLIO SHORT 78464A474 3,716 124,994 SH   SOLE   0 0 124,994
SPDR SER TR PRTFLO S&P500 VL 78464A508 2,845 77,266 SH   SOLE   0 0 77,266
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,797 29,706 SH   SOLE   0 0 29,706
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,608 125,099 SH   SOLE   0 0 125,099
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,116 32,083 SH   SOLE   0 0 32,083
SPDR S&P 500 ETF TR TR UNIT 78462F103 271 719 SH   SOLE   0 0 719
SPDR SER TR PORTFOLIO AGRGTE 78464A649 4,119 156,310 SH   SOLE   0 0 156,310
SPDR SER TR PORTFOLIO SH TSR 78468R101 3,213 109,103 SH   SOLE   0 0 109,103
SPDR SER TR PORTFOLIO S&P600 78468R853 3,900 108,382 SH   SOLE   0 0 108,382
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,274 43,500 SH   SOLE   0 0 43,500
SPDR SER TR S&P 400 MDCP GRW 78464A821 873 14,322 SH   SOLE   0 0 14,322
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 400 8,122 SH   SOLE   0 0 8,122
VANGUARD INDEX FDS GROWTH ETF 922908736 6,222 27,916 SH   SOLE   0 0 27,916
VANGUARD INDEX FDS VALUE ETF 922908744 9,489 71,954 SH   SOLE   0 0 71,954
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 413 6,742 SH   SOLE   0 0 6,742
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,260 126,300 SH   SOLE   0 0 126,300
VANGUARD WORLD FD ESG US STK ETF 921910733 239 3,597 SH   SOLE   0 0 3,597
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 238 2,341 SH   SOLE   0 0 2,341
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 564 9,216 SH   SOLE   0 0 9,216
VANGUARD BD INDEX FDS INTERMED TERM 921937819 17,790 229,104 SH   SOLE   0 0 229,104
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 874 10,926 SH   SOLE   0 0 10,926
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 734 14,818 SH   SOLE   0 0 14,818
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 15,133 302,904 SH   SOLE   0 0 302,904
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,556 20,279 SH   SOLE   0 0 20,279
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,287 56,265 SH   SOLE   0 0 56,265
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,216 54,325 SH   SOLE   0 0 54,325
VANGUARD INDEX FDS MID CAP ETF 922908629 584 2,965 SH   SOLE   0 0 2,965
VANGUARD INDEX FDS SML CP GRW ETF 922908595 690 3,504 SH   SOLE   0 0 3,504
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,525 27,090 SH   SOLE   0 0 27,090
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 795 12,503 SH   SOLE   0 0 12,503
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 398 5,220 SH   SOLE   0 0 5,220
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,778 153,374 SH   SOLE   0 0 153,374
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,578 60,062 SH   SOLE   0 0 60,062
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,272 15,164 SH   SOLE   0 0 15,164
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,124 14,934 SH   SOLE   0 0 14,934