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
ISHARES INC CORE MSCI EMKT 46434G103 45,464 759,504 SH   SOLE   718,691 0 40,813
ISHARES TR 1 3 YR TREAS BD 464287457 12,707 148,548 SH   SOLE   140,769 0 7,779
ISHARES TR 3 7 YR TREAS BD 464288661 2,763 21,476 SH   SOLE   820 0 20,656
ISHARES TR BARCLAYS 7 10 YR 464287440 31,517 274,063 SH   SOLE   263,552 0 10,511
ISHARES TR COHEN STEER REIT 464287564 3,642 47,866 SH   SOLE   47,761 0 105
ISHARES TR CORE MSCI EAFE 46432F842 2,760 36,973 SH   SOLE   0 0 36,973
ISHARES TR CORE S&P MCP ETF 464287507 23,802 84,081 SH   SOLE   70,007 0 14,074
ISHARES TR CORE S&P SCP ETF 464287804 22,526 196,720 SH   SOLE   165,422 0 31,298
ISHARES TR CORE S&P500 ETF 464287200 82,411 172,772 SH   SOLE   139,792 0 32,980
ISHARES TR CORE US AGGBD ET 464287226 74,382 652,015 SH   SOLE   615,986 0 36,029
ISHARES TR IBOXX HI YD ETF 464288513 20,659 237,433 SH   SOLE   223,302 0 14,131
ISHARES TR IBOXX INV CP ETF 464287242 12,020 90,706 SH   SOLE   84,112 0 6,594
ISHARES TR JPMORGAN USD EMG 464288281 16,587 152,093 SH   SOLE   152,093 0 0
ISHARES TR MSCI EAFE ETF 464287465 55,279 702,575 SH   SOLE   679,221 0 23,354
ISHARES TR MSCI EMG MKT ETF 464287234 9,689 198,336 SH   SOLE   191,530 0 6,806
ISHARES TR NATIONAL MUN ETF 464288414 2,644 22,734 SH   SOLE   0 0 22,734
ISHARES TR RUS 1000 ETF 464287622 140,364 530,816 SH   SOLE   530,816 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 566 1,852 SH   SOLE   0 0 1,852
ISHARES TR RUS MID CAP ETF 464287499 3,769 45,404 SH   SOLE   43,922 0 1,482
ISHARES TR RUSSELL 2000 ETF 464287655 11,724 52,704 SH   SOLE   52,704 0 0
ISHARES TR SELECT DIVID ETF 464287168 525 4,284 SH   SOLE   0 0 4,284
ISHARES TR TIPS BD ETF 464287176 1,886 14,599 SH   SOLE   14,599 0 0
ISHARES TR U.S. REAL ES ETF 464287739 7,040 60,617 SH   SOLE   60,617 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 323 10,889 SH   SOLE   0 0 10,889
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,001 25,752 SH   SOLE   0 0 25,752
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 840 14,962 SH   SOLE   0 0 14,962
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,461 28,729 SH   SOLE   0 0 28,729
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,066 38,334 SH   SOLE   0 0 38,334
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 712 6,300 SH   SOLE   0 0 6,300
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,392 12,233 SH   SOLE   0 0 12,233
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 642 7,980 SH   SOLE   0 0 7,980
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,014 9,901 SH   SOLE   0 0 9,901
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 61,231 722,486 SH   SOLE   622,457 0 100,029
VANGUARD INDEX FDS GROWTH ETF 922908736 782 2,436 SH   SOLE   0 0 2,436
VANGUARD INDEX FDS MID CAP ETF 922908629 10,804 42,407 SH   SOLE   27,814 0 14,593
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 42,169 96,592 SH   SOLE   80,268 0 16,324
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,437 37,328 SH   SOLE   22,215 0 15,113
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,029 202,773 SH   SOLE   162,488 0 40,285
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,186 174,580 SH   SOLE   137,824 0 36,756
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,305 319,322 SH   SOLE   240,044 0 79,278
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 33,666 300,297 SH   SOLE   267,811 0 32,486