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
VANGUARD INDEX FDS Common 922908769 398,245 3,818,261 SH   SOLE   3,818,261 0 0
ISHARES TR Common 464287408 110,747 1,250,949 SH   SOLE   1,250,949 0 0
ISHARES TR Common 464287473 36,073 525,379 SH   SOLE   525,379 0 0
ISHARES TR Common 464287630 31,880 346,746 SH   SOLE   346,746 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 858,872 23,389,768 SH   SOLE   23,389,768 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 209,588 6,407,458 SH   SOLE   6,407,458 0 0
ISHARES TR Common 464288679 58,685 532,431 SH   SOLE   532,431 0 0
VANGUARD BD INDEX FD INC Common 921937835 65,854 815,434 SH   SOLE   815,434 0 0
VANGUARD INDEX FDS Common 922908553 237 2,974 SH   SOLE   2,974 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 70,777 956,963 SH   SOLE   956,963 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 173,490 3,280,823 SH   SOLE   3,280,823 0 0
VANGUARD MALVERN FDS Common 922020805 26,359 545,165 SH   SOLE   545,165 0 0
ISHARES TR Common 464287242 55,938 490,644 SH   SOLE   490,644 0 0
ISHARES TR Common 464288414 262,225 2,368,574 SH   SOLE   2,368,574 0 0
ISHARES TR Common 464288356 4,197 35,526 SH   SOLE   35,526 0 0
ISHARES TR Common 464288323 911 8,136 SH   SOLE   8,136 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 3,513 41,782 SH   SOLE   41,782 0 0
SPDR SERIES TRUST Common 78464A375 425 12,718 SH   SOLE   12,718 0 0
SPDR SERIES TRUST Common 78464A458 14,814 607,636 SH   SOLE   607,636 0 0
ISHARES TR Common 464288281 13,907 131,472 SH   SOLE   131,472 0 0
POWERSHARES GLOBAL ETF TRUST Common 73936T573 351 12,865 SH   SOLE   12,865 0 0
SCHWAB STRATEGIC TR Common 808524102 62,174 1,267,825 SH   SOLE   1,267,825 0 0
ISHARES TR Common 464287150 3,532 38,037 SH   SOLE   38,037 0 0
VANGUARD INDEX FDS Common 922908744 348,448 4,274,384 SH   SOLE   4,274,384 0 0
SCHWAB STRATEGIC TR Common 808524409 3,272 77,098 SH   SOLE   77,098 0 0
VOEVANGUARD INDEX FDS Common 922908512 108,013 1,256,690 SH   SOLE   1,256,690 0 0
ISHARES TR Common 464287705 920 7,846 SH   SOLE   7,846 0 0
VANGUARD INDEX FDS Common 922908611 92,129 932,766 SH   SOLE   932,766 0 0
ISHARES TR Common 464287879 971 8,981 SH   SOLE   8,981 0 0
SCHWAB STRATEGIC TR Common 808524805 160,366 5,818,810 SH   SOLE   5,818,810 0 0
ISHARES TR Common 46432F842 10,922 200,839 SH   SOLE   200,839 0 0
ISHARES INC Common 46434G103 53,610 1,361,005 SH   SOLE   1,361,005 0 0
ISHARES TR Common 464287234 3,645 113,224 SH   SOLE   113,224 0 0
ISHARES TR Common 464287200 2,292 11,188 SH   SOLE   11,188 0 0
VANGUARD INDEX FDS Common 922908363 239 1,277 SH   SOLE   1,277 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 2,452 121,489 SH   SOLE   121,489 0 0
VUGVANGUARD INDEX FDS Common 922908736 454 4,267 SH   SOLE   4,267 0 0
VANGUARD STAR FD Common 921909768 679 15,059 SH   SOLE   15,059 0 0