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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR 1 3 YR TREAS BD 464287457 51,670 614,243 SH   SOLE   614,243 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 42,032 252,143 SH   SOLE   252,143 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 14,744 119,677 SH   SOLE   119,677 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 752 12,952 SH   SOLE   12,952 0 0
ISHARES TR USA QUALITY FCTR 46432F339 15,434 174,295 SH   SOLE   174,295 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 29,222 405,856 SH   SOLE   405,856 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 26,074 383,166 SH   SOLE   383,166 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,445 21,368 SH   SOLE   21,368 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,522 124,296 SH   SOLE   124,296 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 25,302 698,748 SH   SOLE   698,748 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 287 1,017 SH   SOLE   1,017 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 26,584 305,881 SH   SOLE   305,881 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 106,640 736,919 SH   SOLE   736,919 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 70,437 1,404,521 SH   SOLE   1,404,521 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,412 221,461 SH   SOLE   221,461 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 29,433 567,105 SH   SOLE   567,105 0 0