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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 INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 107,708,853 1,876,134 SH   SOLE 1 1,876,134 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 220,348,294 4,108,676 SH   SOLE 1 4,108,676 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 147,075,098 1,876,676 SH   SOLE 1 1,876,676 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 159,943,193 2,127,753 SH   SOLE 1 2,127,753 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 264,539,963 3,361,799 SH   SOLE 1 3,361,799 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 196,976,274 3,917,587 SH   SOLE 1 3,917,587 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 44,518,490 182,850 SH   SOLE 1 182,850 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 44,904,876 267,817 SH   SOLE 1 267,817 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 11,893,326 122,083 SH   SOLE 1 122,083 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 41,639,563 207,389 SH   SOLE 1 207,389 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 41,713,196 156,013 SH   SOLE 1 156,013 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 359,955,257 1,271,208 SH   SOLE 1 1,271,208 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 186,704,973 2,963,571 SH   SOLE 1 2,963,571 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 91,475,611 1,911,716 SH   SOLE 1 1,911,716 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 88,845,351 1,249,583 SH   SOLE 1 1,249,583 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 BBG001SHTV36 96,663,885 1,233,115 SH   SOLE 1 1,233,115 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 34,597,307 274,669 SH   SOLE 1 274,669 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 28,228,233 601,753 SH   SOLE 1 601,753 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 154,279,117 3,267,933 SH   SOLE 1 3,267,933 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 105,929,024 534,833 SH   SOLE 1 534,833 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 165,188,941 3,127,986 SH   SOLE 1 3,127,986 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 BBG001T0Y6L1 247,398,371 1,928,581 SH   SOLE 1 1,928,581 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 BBG001T0Y6W9 281,689,831 874,949 SH   SOLE 1 874,949 0 0