The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES CORE TOTAL US BOND MKT ETF FIXED 464287226 1,572 14,200 SH   SOLE   11,802 0 2,398
ISHARES TR 1-3 YR TRS BD ETF FIXED 464287457 11,002 130,253 SH   SOLE   130,253 0 0
ISHARES TR BARCLYS 1-3YR CR ETF FIXED 464288646 237 2,250 SH   SOLE   1,750 0 500
ISHARES TR BARCLYS TIPS BD ETF FIXED 464287176 340 2,800 SH   SOLE   2,550 0 250
PIMCO ETF TR TOTL RETN ETF ETF FIXED 72201r775 317 2,888 SH   SOLE   2,888 0 0
SCHWAB STRATEGIC TR INTRM TRM ETF FIXED 808524854 1,625 30,000 SH   SOLE   30,000 0 0
VANGUARD BD INDEX FD INTERMED ETF FIXED 921937819 5,184 58,886 SH   SOLE   51,616 0 7,270
VANGUARD BD INDEX FD SHORT TRM ETF FIXED 921937827 14,916 184,176 SH   SOLE   161,653 0 22,523
VANGUARD BD INDEX FD TOTAL BND ETF FIXED 921937835 6,869 82,131 SH   SOLE   79,401 0 2,730
VANGUARD SCOTTSDALE FD SHRT-TE ETF FIXED 92206c409 328 4,080 SH   SOLE   3,380 0 700
TEMPLETN EM MKT INCOME COM ETF FIXED EMG 880192109 665 40,601 SH   SOLE   31,601 0 9,000
SPDR SERIES TRUST BRCLYS S/T M ETF NON FIXED 78464A425 6,148 252,492 SH   SOLE   232,492 0 20,000