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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   1,042,380 10,643 SH   SOLE   10,643 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   840,771 19,760 SH   SOLE   19,760 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   623,444 11,953 SH   SOLE   11,953 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,356,726 66,907 SH   SOLE   66,907 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   627,602 12,759 SH   SOLE   12,759 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,101,814 26,378 SH   SOLE   26,378 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,046,220 13,533 SH   SOLE   13,533 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,208,932 4,595 SH   SOLE   4,595 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   477,586 1,911 SH   SOLE   1,911 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   298,820 1,307 SH   SOLE   1,307 0 0