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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US REIT ETF 808524847   7,952,348 391,741 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   17,308,239 351,508 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   12,392,819 345,782 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   19,916,909 326,239 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,790,635 258,335 SH   SOLE   0 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   5,800,444 247,248 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   6,422,468 179,399 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,344,745 132,465 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,287,907 109,890 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853   4,424,009 102,788 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,226,406 100,294 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   7,753,804 66,363 SH   SOLE   0 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   2,866,049 58,266 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   2,435,234 48,540 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,477,802 40,835 SH   SOLE   0 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,995,193 38,667 SH   SOLE   0 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   2,300,412 35,860 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,238,270 27,487 SH   SOLE   0 0 0
ISHARES INC JP MORGAN EM ETF 464286517   808,346 22,407 SH   SOLE   0 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,726,745 21,263 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,004,242 19,253 SH   SOLE   0 0 0
ISHARES TR CRE U S REIT ETF 464288521   958,201 17,810 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885   931,711 14,593 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,529,413 13,580 SH   SOLE   0 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   886,069 12,200 SH   SOLE   0 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284   289,968 11,287 SH   SOLE   0 0 0
DBX ETF TR XTRACK INTL REAL 233051846   239,615 11,068 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   271,367 10,734 SH   SOLE   0 0 0
ISHARES TR CORE MSCI INTL 46435G326   460,847 6,865 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   313,589 5,879 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804   585,629 5,299 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   455,352 5,265 SH   SOLE   0 0 0
ISHARES TR MRGSTR SM CP ETF 464288505   201,238 3,580 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507   202,816 3,339 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200   603,811 1,149 SH   SOLE   0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   243,665 975 SH   SOLE   0 0 0