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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

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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
ISHARES TR CORE US AGGBD ET 464287226   489,305 4,930 SH   SOLE   4,930 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   2,017,281 7,369 SH   SOLE   7,369 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   385,510 9,131 SH   SOLE   9,131 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   290,260 5,561 SH   SOLE   5,561 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,578,618 32,957 SH   SOLE   32,957 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   292,261 5,920 SH   SOLE   5,920 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   513,416 12,492 SH   SOLE   12,492 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   480,197 6,207 SH   SOLE   6,207 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,016,233 2,327 SH   SOLE   2,327 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   226,102 972 SH   SOLE   972 0 0