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
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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 231,036 1,200 SH   SOLE   0 0 1,200
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 36,541,623 722,452 SH   SOLE   679,867 0 42,585
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 2,488,274 30,330 SH   SOLE   25,458 0 4,872
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 1,831,445 15,636 SH   SOLE   735 0 14,901
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 36,302,402 376,620 SH   SOLE   361,767 0 14,853
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 20,202,621 287,173 SH   SOLE   245,487 0 41,686
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 20,702,701 74,699 SH   SOLE   61,342 0 13,357
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 17,696,143 163,475 SH   SOLE   132,206 0 31,269
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 69,636,544 145,796 SH   SOLE   119,304 0 26,492
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 54,292,430 547,027 SH   SOLE   507,225 0 39,802
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 18,456,896 238,492 SH   SOLE   225,176 0 13,316
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 9,206,249 83,194 SH   SOLE   78,784 0 4,410
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 10,407,997 116,865 SH   SOLE   116,865 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 22,672,665 300,898 SH   SOLE   278,540 0 22,358
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 226,463 5,632 SH   SOLE   0 0 5,632
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,071,031 9,879 SH   SOLE   0 0 9,879
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 86,066,389 328,172 SH   SOLE   328,172 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 514,480 1,697 SH   SOLE   0 0 1,697
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,104,000 14,203 SH   SOLE   12,721 0 1,482
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 8,350,741 41,606 SH   SOLE   41,606 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 381,317 3,253 SH   SOLE   0 0 3,253
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKNY3 1,177,368 51,101 SH   SOLE   0 0 51,101
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 202,624 8,174 SH   SOLE   0 0 8,174
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 657,436 17,788 SH   SOLE   0 0 17,788
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 489,345 9,842 SH   SOLE   0 0 9,842
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 884,794 18,262 SH   SOLE   0 0 18,262
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,092,272 23,429 SH   SOLE   0 0 23,429
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 558,586 10,034 SH   SOLE   0 0 10,034
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,014,749 17,992 SH   SOLE   0 0 17,992
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 482,802 6,410 SH   SOLE   0 0 6,410
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 741,149 15,689 SH   SOLE   0 0 15,689
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 47,293,680 643,014 SH   SOLE   535,979 0 107,035
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 502,072 1,615 SH   SOLE   0 0 1,615
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 14,626,775 62,873 SH   SOLE   50,053 0 12,820
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 44,015,026 100,767 SH   SOLE   84,561 0 16,206
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 13,953,062 65,406 SH   SOLE   51,166 0 14,240
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 9,835,477 239,306 SH   SOLE   197,230 0 42,076
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRW2 1,574,689 30,846 SH   SOLE   0 0 30,846
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG000PWYVH7 335,524 4,128 SH   SOLE   0 0 4,128
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 11,434,513 147,790 SH   SOLE   113,651 0 34,139
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 19,582,335 408,817 SH   SOLE   333,759 0 75,058
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 33,720,298 302,072 SH   SOLE   276,654 0 25,418