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
Estimated average burden
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 905 46,550 SH   SOLE   46,550 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,224 35,848 SH   SOLE   0 0 35,848
ISHARES TR 1 3 YR TREAS BD 464287457 10,598 122,695 SH   SOLE   117,359 0 5,336
ISHARES TR 3 7 YR TREAS BD 464288661 9,139 68,724 SH   SOLE   52,941 0 15,783
ISHARES TR BARCLAYS 7 10 YR 464287440 36,805 306,838 SH   SOLE   299,101 0 7,737
ISHARES TR COHEN STEER REIT 464287564 5,959 110,605 SH   SOLE   110,500 0 105
ISHARES TR CORE MSCI EAFE 46432F842 2,037 29,489 SH   SOLE   0 0 29,489
ISHARES TR CORE S&P MCP ETF 464287507 31,760 138,190 SH   SOLE   123,925 0 14,265
ISHARES TR CORE S&P SCP ETF 464287804 31,202 339,522 SH   SOLE   309,925 0 29,597
ISHARES TR CORE S&P500 ETF 464287200 67,956 181,029 SH   SOLE   151,322 0 29,707
ISHARES TR CORE US AGGBD ET 464287226 64,952 549,555 SH   SOLE   529,186 0 20,369
ISHARES TR EAFE SML CP ETF 464288273 8,896 130,150 SH   SOLE   130,150 0 0
ISHARES TR IBOXX HI YD ETF 464288513 19,117 218,986 SH   SOLE   198,648 0 20,338
ISHARES TR IBOXX INV CP ETF 464287242 12,248 88,669 SH   SOLE   81,388 0 7,281
ISHARES TR MSCI ACWI ETF 464288257 544 6,000 SH   SOLE   6,000 0 0
ISHARES TR MSCI EAFE ETF 464287465 28,485 390,426 SH   SOLE   365,949 0 24,477
ISHARES TR MSCI EMG MKT ETF 464287234 14,568 281,941 SH   SOLE   274,310 0 7,631
ISHARES TR NATIONAL MUN ETF 464288414 2,330 19,877 SH   SOLE   0 0 19,877
ISHARES TR RUS 1000 GRW ETF 464287614 652 2,705 SH   SOLE   0 0 2,705
ISHARES TR SELECT DIVID ETF 464287168 3,333 34,652 SH   SOLE   27,900 0 6,752
ISHARES TR TIPS BD ETF 464287176 1,749 13,702 SH   SOLE   13,702 0 0
ISHARES TR U.S. REAL ES ETF 464287739 3,988 46,560 SH   SOLE   46,560 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 338 11,013 SH   SOLE   0 0 11,013
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 891 24,730 SH   SOLE   0 0 24,730
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 847 14,554 SH   SOLE   0 0 14,554
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,220 23,732 SH   SOLE   0 0 23,732
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,932 34,485 SH   SOLE   0 0 34,485
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 790 8,686 SH   SOLE   0 0 8,686
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,176 12,932 SH   SOLE   0 0 12,932
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 610 8,941 SH   SOLE   0 0 8,941
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 976 10,968 SH   SOLE   0 0 10,968
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 67,416 764,435 SH   SOLE   684,432 0 80,003
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,312 73,650 SH   SOLE   73,650 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 843 3,327 SH   SOLE   0 0 3,327
VANGUARD INDEX FDS MID CAP ETF 922908629 7,948 38,439 SH   SOLE   25,490 0 12,949
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 40,595 118,114 SH   SOLE   101,434 0 16,680
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,459 38,316 SH   SOLE   24,135 0 14,181
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,680 153,263 SH   SOLE   117,166 0 36,097
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 323 3,321 SH   SOLE   0 0 3,321
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,822 178,045 SH   SOLE   150,507 0 27,538
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 12,641 267,764 SH   SOLE   198,812 0 68,952
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 25,488 278,531 SH   SOLE   239,206 0 39,325