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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
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
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 102,184,113 1,908,913 SH   SOLE 1 1,908,913 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 212,614,227 4,087,949 SH   SOLE 1 4,087,949 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 140,521,424 1,876,371 SH   SOLE 1 1,876,371 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 151,481,768 2,155,097 SH   SOLE 1 2,155,097 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 252,940,800 3,297,794 SH   SOLE 1 3,297,794 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 187,691,572 3,856,412 SH   SOLE 1 3,856,412 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 40,612,378 176,914 SH   SOLE 1 176,914 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 39,745,110 264,210 SH   SOLE 1 264,210 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,881,429 129,912 SH   SOLE 1 129,912 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 36,587,047 200,455 SH   SOLE 1 200,455 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 37,486,483 149,868 SH   SOLE 1 149,868 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 342,666,667 1,280,949 SH   SOLE 1 1,280,949 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 173,757,826 2,963,128 SH   SOLE 1 2,963,128 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 84,509,575 1,931,206 SH   SOLE 1 1,931,206 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 82,558,167 1,236,456 SH   SOLE 1 1,236,456 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 BBG001SHTV36 91,078,723 1,227,807 SH   SOLE 1 1,227,807 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 32,336,420 275,227 SH   SOLE 1 275,227 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 25,061,184 617,727 SH   SOLE 1 617,727 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 147,619,507 3,251,531 SH   SOLE 1 3,251,531 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 98,527,894 539,731 SH   SOLE 1 539,731 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 153,810,410 3,112,311 SH   SOLE 1 3,112,311 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 227,990,208 1,923,968 SH   SOLE 1 1,923,968 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 286,059,926 910,410 SH   SOLE 1 910,410 0 0