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
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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
ISHARES INC CORE MSCI EMKT 46434G103   11,535,387 223,554 SH   SOLE   181,092 0 42,462
ISHARES TR 1 3 YR TREAS BD 464287457   457,805 5,598 SH   SOLE   466 0 5,132
ISHARES TR 3 7 YR TREAS BD 464288661   1,899,516 16,402 SH   SOLE   752 0 15,650
ISHARES TR 7-10 YR TRSY BD 464287440   37,950,141 400,910 SH   SOLE   384,845 0 16,065
ISHARES TR CORE MSCI EAFE 46432F842   21,379,443 288,055 SH   SOLE   248,794 0 39,261
ISHARES TR CORE S&P MCP ETF 464287507   22,512,889 370,644 SH   SOLE   307,880 0 62,764
ISHARES TR CORE S&P SCP ETF 464287804   18,225,164 164,904 SH   SOLE   134,683 0 30,221
ISHARES TR CORE S&P500 ETF 464287200   52,342,731 99,562 SH   SOLE   74,497 0 25,065
ISHARES TR CORE US AGGBD ET 464287226   36,910,942 376,873 SH   SOLE   334,805 0 42,068
ISHARES TR IBOXX HI YD ETF 464288513   19,050,691 245,088 SH   SOLE   234,072 0 11,016
ISHARES TR IBOXX INV CP ETF 464287242   9,479,962 87,036 SH   SOLE   82,546 0 4,490
ISHARES TR MSCI EAFE ETF 464287465   1,687,522 21,131 SH   SOLE   0 0 21,131
ISHARES TR NATIONAL MUN ETF 464288414   1,092,726 10,155 SH   SOLE   0 0 10,155
ISHARES TR RUS 1000 GRW ETF 464287614   524,450 1,556 SH   SOLE   0 0 1,556
ISHARES TR SELECT DIVID ETF 464287168   398,241 3,233 SH   SOLE   0 0 3,233
ISHARES TR US TREAS BD ETF 46429B267   1,318,771 57,917 SH   SOLE   26,710 0 31,207
NVIDIA CORPORATION COM 67066G104   361,440 400 SH   SOLE   0 0 400
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   215,600 8,539 SH   SOLE   0 0 8,539
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   703,443 18,028 SH   SOLE   0 0 18,028
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   517,821 10,557 SH   SOLE   0 0 10,557
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   923,029 19,146 SH   SOLE   0 0 19,146
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,151,300 25,028 SH   SOLE   0 0 25,028
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   613,736 10,053 SH   SOLE   0 0 10,053
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,042,671 16,801 SH   SOLE   0 0 16,801
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   516,674 6,345 SH   SOLE   0 0 6,345
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   767,061 15,578 SH   SOLE   0 0 15,578
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   40,682,097 560,128 SH   SOLE   455,186 0 104,942
VANGUARD INDEX FDS GROWTH ETF 922908736   548,655 1,594 SH   SOLE   0 0 1,594
VANGUARD INDEX FDS MID CAP ETF 922908629   15,705,451 62,857 SH   SOLE   50,053 0 12,804
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   46,600,020 96,942 SH   SOLE   82,288 0 14,654
VANGUARD INDEX FDS SMALL CP ETF 922908751   14,919,155 65,266 SH   SOLE   51,294 0 13,972
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,217,945 244,624 SH   SOLE   202,733 0 41,891
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,511,473 29,871 SH   SOLE   0 0 29,871
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   363,986 4,521 SH   SOLE   0 0 4,521
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,618,534 150,285 SH   SOLE   118,099 0 32,186
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   20,509,547 408,801 SH   SOLE   333,759 0 75,042
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   35,789,810 295,808 SH   SOLE   274,123 0 21,685