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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 230,544 2,400 SH   SOLE   0 0 2,400
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 681,503 8,396 SH   SOLE   0 0 8,396
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 3,349,641 54,342 SH   SOLE   0 0 54,342
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 5,502,941 95,075 SH   SOLE   0 0 95,075
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 4,698,731 57,639 SH   SOLE   0 0 57,639
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 2,388,565 33,818 SH   SOLE   0 0 33,818
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 564,231 12,558 SH   SOLE   0 0 12,558
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,763,673 31,227 SH   SOLE   0 0 31,227
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,703,983 37,140 SH   SOLE   0 0 37,140
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,377,766 54,655 SH   SOLE   0 0 54,655
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 417,470 6,360 SH   SOLE   0 0 6,360
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 850,808 8,063 SH   SOLE   0 0 8,063
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 2,748,331 67,593 SH   SOLE   0 0 67,593
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 234,685 1,094 SH   SOLE   0 0 1,094
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 2,064,311 14,887 SH   SOLE   0 0 14,887
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 925,111 6,377 SH   SOLE   0 0 6,377
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 320,223 6,888 SH   SOLE   0 0 6,888
RESMED INC COM 761152107 BBG001SBGRC2 312,195 1,500 SH   SOLE   0 0 1,500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,237,397 52,277 SH   SOLE   0 0 52,277
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 381,588 4,363 SH   SOLE   0 0 4,363
SHERWIN WILLIAMS CO COM 824348106 BBG001S5W2F9 413,429 1,742 SH   SOLE   0 0 1,742
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 218,964 2,513 SH   SOLE   0 0 2,513
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 4,959,520 168,806 SH   SOLE   0 0 168,806
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 349,799 4,713 SH   SOLE   0 0 4,713
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 BBG001TC6MF8 1,584,581 7,512 SH   SOLE   0 0 7,512
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 17,793,397 239,416 SH   SOLE   0 0 239,416
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 40,408,508 536,776 SH   SOLE   0 0 536,776
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 492,705 6,858 SH   SOLE   0 0 6,858
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,270,068 15,399 SH   SOLE   0 0 15,399
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,870,628 18,077 SH   SOLE   0 0 18,077
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 279,531 1,523 SH   SOLE   0 0 1,523
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,245,353 6,210 SH   SOLE   0 0 6,210
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 6,078,933 43,307 SH   SOLE   0 0 43,307
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 8,528,561 218,793 SH   SOLE   0 0 218,793
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 491,432 4,780 SH   SOLE   0 0 4,780
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 714,900 8,294 SH   SOLE   0 0 8,294
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,076,298 62,160 SH   SOLE   0 0 62,160
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 2,898,971 49,572 SH   SOLE   0 0 49,572
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 18,388,191 403,959 SH   SOLE   0 0 403,959
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 421,219 7,285 SH   SOLE   0 0 7,285
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 7,206,736 95,847 SH   SOLE   0 0 95,847
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 18,959,406 343,966 SH   SOLE   0 0 343,966
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 18,405,042 276,435 SH   SOLE   0 0 276,435
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 3,399,364 48,307 SH   SOLE   0 0 48,307
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 8,069,309 53,140 SH   SOLE   0 0 53,140
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 23,053,754 549,291 SH   SOLE   0 0 549,291
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 1,408,689 24,305 SH   SOLE   0 0 24,305