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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
SCHWAB STRATEGIC TR US TIPS ETF 808524870   29,767,299 572,338 SH   SOLE   572,338 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,271,304 198,075 SH   SOLE   198,075 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   13,128,976 269,755 SH   SOLE   269,755 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   6,574,975 239,090 SH   SOLE   239,090 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602   10,620,165 167,630 SH   SOLE   167,630 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   7,990,191 277,630 SH   SOLE   277,630 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   6,481,818 240,915 SH   SOLE   240,915 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   4,354,656 227,516 SH   SOLE   227,516 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   4,336,693 186,685 SH   SOLE   186,685 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,476,672 74,240 SH   SOLE   74,240 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,554,695 95,528 SH   SOLE   95,528 0 0
ISHARES TR MSCI USA MMENTM 46432F396   7,652,545 39,270 SH   SOLE   39,270 0 0
ISHARES INC MSCI EQUAL WEITE 464286681   7,249,208 82,144 SH   SOLE   82,144 0 0
APPLE INC COM 037833100   669,772 3,180 SH   SOLE   3,180 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,320,148 26,345 SH   SOLE   26,345 0 0
ISHARES TR TIPS BD ETF 464287176   671,112 6,285 SH   SOLE   6,285 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   326,674 6,730 SH   SOLE   6,730 0 0
ISHARES TR SHORT TREAS BD 464288679   326,528 2,955 SH   SOLE   2,955 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   326,278 3,555 SH   SOLE   3,555 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   326,081 6,775 SH   SOLE   6,775 0 0
ISHARES TR CORE S&P TTL STK 464287150   653,290 5,500 SH   SOLE   5,500 0 0