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 73,648 470,506 SH   SOLE 0 470,506 0 0
iShs Brclys 7-10Tsy ETF 464287440 53,191 436,458 SH   SOLE 0 436,458 0 0
Vngrd FTSE AllWrd ETF 922042775 8,829 185,447 SH   SOLE 0 185,447 0 0
Schwab Inter Tsy ETF 808524854 8,134 138,379 SH   SOLE 0 138,379 0 0
SPDR Brcy 1-3T ETF 78464A680 6,777 74,042 SH   SOLE 0 74,042 0 0
Schwab US Brd Mkt ETF 808524102 4,690 63,831 SH   SOLE 0 63,831 0 0
Schwab Inter Eqty ETF 808524805 2,256 75,821 SH   SOLE 0 75,821 0 0
Apple ETF 037833100 447 1,224 SH   SOLE 0 1,224 0 0
SPDR S&P 500 COM 78462F103 416 1,348 SH   SOLE 0 1,348 0 0
Microsoft COM 594918104 281 1,380 SH   SOLE 0 1,380 0 0