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
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 1,349 72,783 SH   SOLE   72,650 0 133
ISHARES INC CORE MSCI EMKT 46434G103 2,086 39,499 SH   SOLE   0 0 39,499
ISHARES TR CORE S&P SCP ETF 464287804 27,171 386,893 SH   SOLE   354,240 0 32,653
ISHARES TR TIPS BD ETF 464287176 2,621 20,722 SH   SOLE   20,722 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 12,923 293,103 SH   SOLE   284,705 0 8,398
ISHARES TR IBOXX HI YD ETF 464288513 16,937 201,868 SH   SOLE   182,359 0 19,509
ISHARES TR EAFE SML CP ETF 464288273 7,678 130,150 SH   SOLE   130,150 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 598 2,758 SH   SOLE   0 0 2,758
ISHARES TR BARCLAYS 7 10 YR 464287440 32,956 270,529 SH   SOLE   263,281 0 7,248
ISHARES TR CORE S&P MCP ETF 464287507 28,946 156,202 SH   SOLE   140,469 0 15,733
ISHARES TR 1 3 YR TREAS BD 464287457 10,392 120,121 SH   SOLE   116,058 0 4,063
ISHARES TR IBOXX INV CP ETF 464287242 10,559 78,384 SH   SOLE   71,230 0 7,154
ISHARES TR CORE MSCI EAFE 46432F842 1,821 30,215 SH   SOLE   0 0 30,215
ISHARES TR COHEN STEER REIT 464287564 5,649 55,380 SH   SOLE   55,250 0 130
ISHARES TR MSCI EAFE ETF 464287465 25,829 405,800 SH   SOLE   380,703 0 25,097
ISHARES TR U.S. REAL ES ETF 464287739 3,095 38,770 SH   SOLE   38,770 0 0
ISHARES TR CORE S&P500 ETF 464287200 65,579 195,140 SH   SOLE   165,040 0 30,100
ISHARES TR MSCI ACWI ETF 464288257 480 6,000 SH   SOLE   6,000 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,158 50,997 SH   SOLE   43,200 0 7,797
ISHARES TR 3 7 YR TREAS BD 464288661 8,893 66,571 SH   SOLE   52,807 0 13,764
ISHARES TR NATIONAL MUN ETF 464288414 2,204 19,011 SH   SOLE   0 0 19,011
ISHARES TR CORE US AGGBD ET 464287226 61,726 522,838 SH   SOLE   504,161 0 18,677
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,210 23,487 SH   SOLE   0 0 23,487
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 796 25,336 SH   SOLE   0 0 25,336
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 517 9,322 SH   SOLE   0 0 9,322
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 310 11,597 SH   SOLE   0 0 11,597
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 745 12,698 SH   SOLE   0 0 12,698
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 728 9,141 SH   SOLE   0 0 9,141
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,105 13,710 SH   SOLE   0 0 13,710
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,737 30,976 SH   SOLE   0 0 30,976
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 804 11,767 SH   SOLE   0 0 11,767
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 63,619 721,138 SH   SOLE   650,861 0 70,277
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,285 73,650 SH   SOLE   73,650 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,366 47,895 SH   SOLE   32,510 0 15,385
VANGUARD INDEX FDS GROWTH ETF 922908736 816 3,583 SH   SOLE   0 0 3,583
VANGUARD INDEX FDS MID CAP ETF 922908629 6,891 39,096 SH   SOLE   25,490 0 13,606
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 40,498 131,636 SH   SOLE   114,429 0 17,207
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,349 169,961 SH   SOLE   133,310 0 36,651
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,628 176,558 SH   SOLE   150,507 0 26,051
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 312 3,253 SH   SOLE   0 0 3,253
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,019 293,866 SH   SOLE   224,256 0 69,610
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 15,937 196,928 SH   SOLE   157,796 0 39,132