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
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 499 4,974 SH   SOLE   0 0 4,974
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 3,707 195,646 SH   SOLE   186,680 0 8,966
ISHARES INC CORE MSCI EMKT 46434G103 1,248 24,269 SH   SOLE   0 0 24,269
ISHARES TR SELECT DIVID ETF 464287168 6,542 65,711 SH   SOLE   51,200 0 14,511
ISHARES TR TIPS BD ETF 464287176 8,359 72,377 SH   SOLE   72,377 0 0
ISHARES TR CORE S&P500 ETF 464287200 46,895 159,100 SH   SOLE   133,287 0 25,813
ISHARES TR CORE US AGGBD ET 464287226 66,105 593,672 SH   SOLE   575,736 0 17,936
ISHARES TR MSCI EMG MKT ETF 464287234 10,085 235,027 SH   SOLE   225,785 0 9,242
ISHARES TR IBOXX INV CP ETF 464287242 10,776 86,642 SH   SOLE   78,679 0 7,963
ISHARES TR BARCLAYS 7 10 YR 464287440 20,024 182,001 SH   SOLE   181,901 0 100
ISHARES TR 1 3 YR TREAS BD 464287457 15,380 181,408 SH   SOLE   168,057 0 13,351
ISHARES TR MSCI EAFE ETF 464287465 38,951 592,597 SH   SOLE   560,279 0 32,318
ISHARES TR CORE S&P MCP ETF 464287507 25,136 129,394 SH   SOLE   114,350 0 15,044
ISHARES TR COHEN STEER REIT 464287564 6,742 59,853 SH   SOLE   55,250 0 4,603
ISHARES TR RUS 1000 GRW ETF 464287614 442 2,812 SH   SOLE   0 0 2,812
ISHARES TR U.S. REAL ES ETF 464287739 2,074 23,750 SH   SOLE   23,430 0 320
ISHARES TR CORE S&P SCP ETF 464287804 26,430 337,633 SH   SOLE   309,777 0 27,856
ISHARES TR MSCI ACWI ETF 464288257 2,197 29,800 SH   SOLE   29,800 0 0
ISHARES TR EAFE SML CP ETF 464288273 3,616 63,000 SH   SOLE   63,000 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,025 17,909 SH   SOLE   0 0 17,909
ISHARES TR IBOXX HI YD ETF 464288513 17,495 200,674 SH   SOLE   173,867 0 26,807
ISHARES TR 3 7 YR TREAS BD 464288661 1,001 7,957 SH   SOLE   0 0 7,957
ISHARES TR CORE MSCI EAFE 46432F842 542 8,825 SH   SOLE   0 0 8,825
KAYNE ANDERSN MLP MIDS INVT COM 486606106 157 10,260 SH   SOLE   0 0 10,260
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 694 9,835 SH   SOLE   0 0 9,835
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 934 13,313 SH   SOLE   0 0 13,313
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 341 5,969 SH   SOLE   0 0 5,969
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 697 9,746 SH   SOLE   0 0 9,746
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 413 15,751 SH   SOLE   0 0 15,751
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 703 21,911 SH   SOLE   0 0 21,911
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,371 25,874 SH   SOLE   0 0 25,874
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 455 8,279 SH   SOLE   0 0 8,279
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,026 40,049 SH   SOLE   0 0 40,049
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 62,890 757,072 SH   SOLE   686,254 0 70,818
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 209 3,650 SH   SOLE   3,650 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 37,425 139,050 SH   SOLE   125,274 0 13,776
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 681 7,791 SH   SOLE   0 0 7,791
VANGUARD INDEX FDS MID CAP ETF 922908629 7,877 47,120 SH   SOLE   34,900 0 12,220
VANGUARD INDEX FDS GROWTH ETF 922908736 572 3,501 SH   SOLE   0 0 3,501
VANGUARD INDEX FDS VALUE ETF 922908744 236 2,129 SH   SOLE   0 0 2,129
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,009 57,506 SH   SOLE   44,965 0 12,541
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,277 241,645 SH   SOLE   197,967 0 43,678
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 15,428 191,226 SH   SOLE   160,654 0 30,572
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 303 3,369 SH   SOLE   0 0 3,369
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 13,596 325,963 SH   SOLE   258,984 0 66,979
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 16,025 183,397 SH   SOLE   147,357 0 36,040