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
INVESCO EXCHANGE-TRADED FD T FNDMNTL HY CRP 46138E719 2,523 152,162 SH   SOLE   148,850 0 3,312
ISHARES INC CORE MSCI EMKT 46434G103 1,168 28,871 SH   SOLE   0 0 28,871
ISHARES TR SELECT DIVID ETF 464287168 3,995 54,328 SH   SOLE   43,200 0 11,128
ISHARES TR TIPS BD ETF 464287176 3,150 26,712 SH   SOLE   26,712 0 0
ISHARES TR CORE S&P500 ETF 464287200 56,380 218,187 SH   SOLE   188,729 0 29,458
ISHARES TR CORE US AGGBD ET 464287226 55,470 480,803 SH   SOLE   464,507 0 16,296
ISHARES TR MSCI EMG MKT ETF 464287234 11,591 339,600 SH   SOLE   330,973 0 8,627
ISHARES TR IBOXX INV CP ETF 464287242 9,863 79,857 SH   SOLE   72,935 0 6,922
ISHARES TR BARCLAYS 7 10 YR 464287440 26,052 214,451 SH   SOLE   209,191 0 5,260
ISHARES TR 1 3 YR TREAS BD 464287457 8,072 93,133 SH   SOLE   81,408 0 11,725
ISHARES TR MSCI EAFE ETF 464287465 33,541 627,402 SH   SOLE   597,732 0 29,670
ISHARES TR CORE S&P MCP ETF 464287507 27,065 188,136 SH   SOLE   171,323 0 16,813
ISHARES TR COHEN STEER REIT 464287564 5,136 56,079 SH   SOLE   55,250 0 829
ISHARES TR RUS 1000 GRW ETF 464287614 421 2,797 SH   SOLE   0 0 2,797
ISHARES TR U.S. REAL ES ETF 464287739 1,787 25,680 SH   SOLE   25,680 0 0
ISHARES TR CORE S&P SCP ETF 464287804 27,497 490,058 SH   SOLE   458,242 0 31,816
ISHARES TR MSCI ACWI ETF 464288257 4,918 78,600 SH   SOLE   78,600 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,835 130,150 SH   SOLE   130,150 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,186 19,346 SH   SOLE   0 0 19,346
ISHARES TR IBOXX HI YD ETF 464288513 13,788 178,908 SH   SOLE   154,868 0 24,040
ISHARES TR 3 7 YR TREAS BD 464288661 1,662 12,468 SH   SOLE   0 0 12,468
ISHARES TR CORE MSCI EAFE 46432F842 883 17,700 SH   SOLE   0 0 17,700
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 606 10,031 SH   SOLE   0 0 10,031
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 843 13,756 SH   SOLE   0 0 13,756
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 320 7,591 SH   SOLE   0 0 7,591
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 599 11,623 SH   SOLE   0 0 11,623
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 239 11,549 SH   SOLE   0 0 11,549
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 682 26,390 SH   SOLE   0 0 26,390
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,458 26,859 SH   SOLE   0 0 26,859
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 630 10,712 SH   SOLE   0 0 10,712
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,243 24,030 SH   SOLE   0 0 24,030
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 51,500 603,393 SH   SOLE   536,416 0 66,977
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,144 73,650 SH   SOLE   73,650 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 34,128 144,109 SH   SOLE   127,579 0 16,530
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 439 6,285 SH   SOLE   0 0 6,285
VANGUARD INDEX FDS MID CAP ETF 922908629 6,432 48,858 SH   SOLE   34,900 0 13,958
VANGUARD INDEX FDS GROWTH ETF 922908736 610 3,896 SH   SOLE   0 0 3,896
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,835 59,206 SH   SOLE   43,496 0 15,710
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,005 238,612 SH   SOLE   192,885 0 45,727
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,375 131,163 SH   SOLE   104,457 0 26,706
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 245 2,809 SH   SOLE   0 0 2,809
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,308 339,185 SH   SOLE   259,276 0 79,909
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 13,327 188,365 SH   SOLE   150,871 0 37,494