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
ISHARES INC CORE MSCI EMKT 46434G103 42,280 761,121 SH   SOLE   721,138 0 39,983
ISHARES TR 1 3 YR TREAS BD 464287457 11,875 142,477 SH   SOLE   133,907 0 8,570
ISHARES TR 3 7 YR TREAS BD 464288661 2,500 20,482 SH   SOLE   820 0 19,662
ISHARES TR BARCLAYS 7 10 YR 464287440 28,570 265,837 SH   SOLE   255,380 0 10,457
ISHARES TR COHEN STEER REIT 464287564 3,399 47,866 SH   SOLE   47,761 0 105
ISHARES TR CORE MSCI EAFE 46432F842 2,471 35,556 SH   SOLE   0 0 35,556
ISHARES TR CORE S&P MCP ETF 464287507 22,107 82,383 SH   SOLE   69,107 0 13,276
ISHARES TR CORE S&P SCP ETF 464287804 20,754 192,380 SH   SOLE   162,015 0 30,365
ISHARES TR CORE S&P500 ETF 464287200 77,421 170,647 SH   SOLE   139,540 0 31,107
ISHARES TR CORE US AGGBD ET 464287226 68,281 637,544 SH   SOLE   602,487 0 35,057
ISHARES TR IBOXX HI YD ETF 464288513 18,969 230,513 SH   SOLE   217,426 0 13,087
ISHARES TR IBOXX INV CP ETF 464287242 10,795 89,256 SH   SOLE   83,202 0 6,054
ISHARES TR JPMORGAN USD EMG 464288281 15,548 159,041 SH   SOLE   159,041 0 0
ISHARES TR MSCI EAFE ETF 464287465 51,497 699,682 SH   SOLE   676,328 0 23,354
ISHARES TR MSCI EMG MKT ETF 464287234 8,302 183,875 SH   SOLE   177,069 0 6,806
ISHARES TR NATIONAL MUN ETF 464288414 2,459 22,423 SH   SOLE   0 0 22,423
ISHARES TR RUS 1000 ETF 464287622 131,488 525,803 SH   SOLE   525,803 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 514 1,852 SH   SOLE   0 0 1,852
ISHARES TR RUS MID CAP ETF 464287499 3,551 45,504 SH   SOLE   44,022 0 1,482
ISHARES TR RUSSELL 2000 ETF 464287655 10,944 53,313 SH   SOLE   53,313 0 0
ISHARES TR SELECT DIVID ETF 464287168 417 3,257 SH   SOLE   0 0 3,257
ISHARES TR TIPS BD ETF 464287176 1,800 14,446 SH   SOLE   14,446 0 0
ISHARES TR U.S. REAL ES ETF 464287739 6,873 63,506 SH   SOLE   63,506 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 293 10,542 SH   SOLE   0 0 10,542
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 906 24,660 SH   SOLE   0 0 24,660
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 761 14,293 SH   SOLE   0 0 14,293
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,391 28,072 SH   SOLE   0 0 28,072
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,920 37,976 SH   SOLE   0 0 37,976
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 638 11,946 SH   SOLE   0 0 11,946
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,279 23,752 SH   SOLE   0 0 23,752
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 582 7,672 SH   SOLE   0 0 7,672
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 923 19,486 SH   SOLE   0 0 19,486
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 55,717 700,494 SH   SOLE   605,464 0 95,030
VANGUARD INDEX FDS GROWTH ETF 922908736 673 2,341 SH   SOLE   0 0 2,341
VANGUARD INDEX FDS MID CAP ETF 922908629 11,154 46,897 SH   SOLE   32,601 0 14,296
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 40,190 96,804 SH   SOLE   80,835 0 15,969
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,155 43,080 SH   SOLE   28,188 0 14,892
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,378 203,289 SH   SOLE   163,806 0 39,483
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,116 167,961 SH   SOLE   132,488 0 35,473
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 15,456 321,805 SH   SOLE   242,889 0 78,916
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 32,111 286,063 SH   SOLE   253,891 0 32,172