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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Vanguard Ttl Stk ETF 922908769 67,215 407,422 SH   SOLE 0 407,422 0 0
iShs Brclys 7-10Tsy ETF 464287440 46,855 423,148 SH   SOLE 0 423,148 0 0
Schwb Interm Tsy ETF 808524854 9,564 173,759 SH   SOLE 0 173,759 0 0
Vngrd FTSE AllWrd ETF 922042775 9,055 166,326 SH   SOLE 0 166,326 0 0
Schwab US Brd Mkt ETF 808524102 4,310 55,583 SH   SOLE 0 55,583 0 0
SPDR Brcy 1-3 T ETF 78464A680 4,090 44,718 SH   SOLE 0 44,718 0 0
SPDR S&P 500 ETF 78462F103 1,912 5,887 SH   SOLE 0 5,887 0 0
Schwab Inter Eqty ETF 808524805 1,355 39,977 SH   SOLE 0 39,977 0 0
Apple Computer COM 037833100 434 1,445 SH   SOLE 0 1,445 0 0
Microsoft COM 594918104 249 1,549 SH   SOLE 0 1,549 0 0