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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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 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 1,171 11,691 SH   SOLE   0 0 11,691
ISHARES 1-3 YR CREDIT BOND ETF SH TR CRPORT ETF 464288646 592 11,035 SH   SOLE   0 0 11,035
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 44,148 390,105 SH   SOLE   0 0 390,105
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 4,081 35,769 SH   SOLE   0 0 35,769
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF BROAD USD HIGH 46435U853 2,376 58,019 SH   SOLE   0 0 58,019
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 8,861 175,491 SH   SOLE   0 0 175,491
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND CORE INTL AGGR 46435G672 14,731 264,043 SH   SOLE   0 0 264,043
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 1,947 31,876 SH   SOLE   0 0 31,876
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 39,158 677,937 SH   SOLE   0 0 677,937
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 52,110 269,678 SH   SOLE   0 0 269,678
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 2,325 44,354 SH   SOLE   0 0 44,354
ISHARES EDGE MSCI MULTIFACTOR EMERGING MARKETS ETF MLT FCTR EMG MKT 46434G889 2,954 72,272 SH   SOLE   0 0 72,272
ISHARES EDGE MSCI MULTIFACTOR INTL ETF MULTIFACTOR INTL 46434V274 9,944 389,956 SH   SOLE   0 0 389,956
ISHARES EDGE MSCI MULTIFACTOR USA ETF MULTIFACTOR USA 46434V282 18,468 578,569 SH   SOLE   0 0 578,569
ISHARES EDGE MSCI MULTIFACTOR USA SMALL-CAP ETF MULTIFACTOR USA 46434V290 3,372 84,539 SH   SOLE   0 0 84,539
ISHARES EDGE U.S. FIXED INCOME BALANCED RISK ETF EDGE US FIXD INM 46435U796 1,350 13,327 SH   SOLE   0 0 13,327
ISHARES GOLD TRUST ETF ISHARES 464285105 547 38,808 SH   SOLE   0 0 38,808
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF GLOBAL REIT ETF 46434V647 2,060 79,914 SH   SOLE   0 0 26,005
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF IBONDS DEC2022 46435G755 995 38,059 SH   SOLE   0 0 38,059
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF IBONDS DEC2023 46435G318 500 19,414 SH   SOLE   0 0 19,414
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF IBONDS SEP2020 46434V571 2,367 92,711 SH   SOLE   0 0 92,711
ISHARES INTERMEDIATE CREDIT BOND ETF INTRM TR CRP ETF 464288638 725 12,515 SH   SOLE   0 0 12,515
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 8,795 134,868 SH   SOLE   0 0 134,868
ISHARES NORTH AMERICAN NATURAL RESOURCES NORTH AMERN NAT 464287374 333 11,452 SH   SOLE   0 0 11,452
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 2,458 14,936 SH   SOLE   0 0 14,936
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,912 14,904 SH   SOLE   0 0 14,904
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 2,953 52,771 SH   SOLE   0 0 52,771
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 55,200 184,911 SH   SOLE   0 0 184,911
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 40,100 336,576 SH   SOLE   0 0 336,576
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 2,654 16,599 SH   SOLE   0 0 16,599
ISHARES S&P SMALL-CAP 600 VALUE ETF SP SMCP600VL ETF 464287879 20,439 136,087 SH   SOLE   0 0 136,087
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 6,559 84,259 SH   SOLE   0 0 84,259
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 8,957 77,021 SH   SOLE   0 0 77,021
ISHARES TR S&P 1500 INDEX FD CORE S&P TTL STK 464287150 1,160 17,298 SH   SOLE   0 0 17,298
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD SHRT NAT MUN ETF 464288158 2,088 19,597 SH   SOLE   0 0 19,597
JP MORGAN CHASE & CO COM 46625H100 1,572 13,357 SH   SOLE   0 0 13,357
LINCOLN NATIONAL CORP IND COM 534187109 1,020 16,910 SH   SOLE   0 0 16,910
OLD NATL BANCORP IND COM COM 680033107 459 26,652 SH   SOLE   0 0 26,652
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 1,091 15,386 SH   SOLE   0 0 15,386
SCHWAB US AGGREGATE BOND ETF US AGGREGATE B 808524839 1,281 23,780 SH   SOLE   0 0 23,780
SPDR BARCLAYS CAP TIPS CAPITAL TIPS ETF BLOMBRG BRC TIPS 78464A656 2,441 85,589 SH   SOLE   0 0 85,589
SPDR DJ WILSHIRE REIT (ETF) DJ REIT ETF 78464A607 4,890 46,762 SH   SOLE   0 0 46,762
SPDR HIGH YIELD BOND ETF BLOOMBERG BRCLYS 78464A417 5,395 49,612 SH   SOLE   0 0 49,612
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 777 22,014 SH   SOLE   0 0 22,014
SPDR PORTFOLIO S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 697 21,795 SH   SOLE   0 0 21,795
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF PORTFOLIO SHORT 78464A474 397 12,881 SH   SOLE   0 0 12,881
SPDR S&P GLOBAL NATURAL RESOURCES ETF GLB NAT RESRCE 78463X541 1,890 43,893 SH   SOLE   0 0 43,893
SPDR S&P WORLD EX-US ETF PORTFOLIO DEVLPD 78463X889 889 30,279 SH   SOLE   0 0 30,279
SPDR SER TR S&P DIVID ETF S&P DIVID ETF 78464A763 1,363 13,281 SH   SOLE   0 0 13,281
VANGUARD EUROPEAN FTSE EUROPE ETF 922042874 639 11,927 SH   SOLE   0 0 11,927
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 1,626 13,975 SH   SOLE   0 0 13,975
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ALLWRLD EX US 922042775 13,468 269,903 SH   SOLE   0 0 269,903
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 1,276 31,056 SH   SOLE   0 0 31,056
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,059 26,292 SH   SOLE   0 0 26,292
VANGUARD INTERMEDIATE TERM CORP BOND FD ETF INT-TERM CORP 92206C870 14,914 163,458 SH   SOLE   0 0 163,458
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 7,431 84,438 SH   SOLE   0 0 84,438
VANGUARD LARGE-CAP INDEX FUND LARGE CAP ETF 922908637 2,504 18,367 SH   SOLE   0 0 18,367
VANGUARD LONG-TERM BOND INDEX FUND LONG TERM BOND 921937793 1,184 11,531 SH   SOLE   0 0 11,531
VANGUARD MEGA CAP ETF MEGA CAP INDEX 921910873 3,943 38,245 SH   SOLE   0 0 38,245
VANGUARD MEGA CAP VALUE ETF MEGA CAP VAL ETF 921910840 5,655 69,437 SH   SOLE   0 0 69,437
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 7,455 44,481 SH   SOLE   0 0 44,481
VANGUARD REIT ETF REAL ESTATE ETF 922908553 24,656 264,407 SH   SOLE   0 0 264,407
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 4,589 16,836 SH   SOLE   0 0 16,836
VANGUARD S&P 500 VALUE ETF 500 VAL IDX FD 921932703 3,849 33,478 SH   SOLE   0 0 33,478
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 2,126 16,288 SH   SOLE   0 0 16,288
VANGUARD SHORT TERM BOND SHORT TRM BOND 921937827 4,472 55,353 SH   SOLE   0 0 55,353
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 4,718 58,208 SH   SOLE   0 0 58,208
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF STRM INFPROIDX 922020805 4,104 83,678 SH   SOLE   0 0 83,678
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 4,628 35,918 SH   SOLE   0 0 35,918
VANGUARD TAX-EXEMPT BOND ETF TAX EXEMPT BD 922907746 4,315 80,481 SH   SOLE   0 0 80,481
VANGUARD TOTAL BOND MARKET INDEX FUND TOTAL BND MRKT 921937835 18,783 222,474 SH   SOLE   0 0 222,474
VANGUARD TOTAL INTERNATIONAL BOND ETF INTL BD IDX ETF 92203J407 25,312 430,262 SH   SOLE   0 0 430,262
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 7,197 139,321 SH   SOLE   0 0 139,321
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 2,041 13,516 SH   SOLE   0 0 13,516
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 3,941 35,308 SH   SOLE   0 0 35,308
WILLIAMS COS INC DEL COM COM 969457100 269 11,198 SH   SOLE   0 0 11,198