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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG000B9XRY4 232,764 1,200 SH   SOLE   0 0 1,200
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 38,960,640 790,437 SH   SOLE   745,117 0 45,320
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 2,654,884 32,744 SH   SOLE   25,421 0 7,323
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 1,901,214 16,495 SH   SOLE   676 0 15,819
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 34,436,934 356,490 SH   SOLE   341,407 0 15,083
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 19,403,753 287,463 SH   SOLE   245,180 0 42,283
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 19,609,050 74,993 SH   SOLE   61,534 0 13,459
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 17,796,171 178,587 SH   SOLE   146,787 0 31,800
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 69,554,383 156,053 SH   SOLE   126,316 0 29,737
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 53,362,573 544,794 SH   SOLE   502,660 0 42,134
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 17,465,486 232,656 SH   SOLE   220,231 0 12,425
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 8,930,094 82,579 SH   SOLE   76,534 0 6,045
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 11,779,393 136,115 SH   SOLE   136,115 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 22,692,428 312,999 SH   SOLE   290,390 0 22,609
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 243,848 6,164 SH   SOLE   0 0 6,164
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,629,875 24,640 SH   SOLE   0 0 24,640
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 95,334,514 391,132 SH   SOLE   391,132 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 497,251 1,807 SH   SOLE   0 0 1,807
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,037,246 14,203 SH   SOLE   12,721 0 1,482
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 7,791,556 41,606 SH   SOLE   41,606 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 368,565 3,253 SH   SOLE   0 0 3,253
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 239,025 9,705 SH   SOLE   0 0 9,705
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 772,420 21,667 SH   SOLE   0 0 21,667
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 658,332 13,359 SH   SOLE   0 0 13,359
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,305,310 27,160 SH   SOLE   0 0 27,160
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,276,936 27,663 SH   SOLE   0 0 27,663
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 618,843 11,970 SH   SOLE   0 0 11,970
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,057,927 20,201 SH   SOLE   0 0 20,201
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 457,576 6,442 SH   SOLE   0 0 6,442
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 794,313 18,135 SH   SOLE   0 0 18,135
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 45,915,802 631,666 SH   SOLE   529,017 0 102,649
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 666,088 2,354 SH   SOLE   0 0 2,354
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 14,380,852 65,320 SH   SOLE   50,053 0 15,267
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 41,513,644 101,929 SH   SOLE   84,916 0 17,013
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 12,328,595 61,987 SH   SOLE   45,863 0 16,124
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 9,785,574 240,550 SH   SOLE   197,230 0 43,320
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 10,799,255 142,734 SH   SOLE   109,551 0 33,183
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 18,961,185 410,593 SH   SOLE   324,942 0 85,651
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 32,192,352 303,501 SH   SOLE   276,654 0 26,847