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 COMEX GOLD TRUST ETF 464285105 2,597 144,366 SH   SOLE   0 0 144,366
SPDR S&P 500 ETF ETF 78462F103 48,345 144,362 SH   SOLE   0 0 144,362
ISHARES S&P 100 ETF ETF 464287101 249 1,600 SH   SOLE   0 0 1,600
ISHARES S&P SMALL-CAP FUND ETF 464287804 3,432 22,316 SH   SOLE   0 0 22,316
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3,432 22,316 SH   SOLE   0 0 22,316
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 2,941 57,688 SH   SOLE   0 0 57,688
VANGUARD S&P 500 ETF ETF 922908363 15,761 51,233 SH   SOLE   0 0 51,233
VANGUARD VALUE INDEX FUND ETF 922908744 914 8,752 SH   SOLE   0 0 8,752
VANGUARD GROWTH INDEX FUND ETF 922908736 10,514 45,059 SH   SOLE   0 0 45,059
ISHARES CORE MSCI EAFE ETF ETF 46432F842 13,328 221,115 SH   SOLE   0 0 221,115
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,785 68,945 SH   SOLE   0 0 68,945
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 5,543 104,995 SH   SOLE   0 0 104,995
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 4,795 54,354 SH   SOLE   0 0 54,354
ISHARES RUSSELL MID-CAP ETF ETF 464287499 7,246 126,298 SH   SOLE   0 0 126,298
ISHARES CORE S&P 500 ETF ETF 464287200 3,439 10,236 SH   SOLE   0 0 10,236
ISHARES MBS ETF ETF 464288588 11,852 107,357 SH   SOLE   0 0 107,357
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 2,965 48,762 SH   SOLE   0 0 48,762
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 619 5,345 SH   SOLE   0 0 5,345
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 15,461 378,036 SH   SOLE   0 0 378,036
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 1,704 41,677 SH   SOLE   0 0 41,677
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 774 6,562 SH   SOLE   0 0 6,562
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 11,991 101,845 SH   SOLE   0 0 101,845
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF ETF 78468R622 5,674 54,425 SH   SOLE   0 0 54,425
ISHARES S&P MIDCAP FUND ETF 464287507 10,066 54,324 SH   SOLE   0 0 54,324
ISHARES MSCI EAFE ETF ETF 464287465 896 14,081 SH   SOLE   0 0 14,081
APPLE INC COM Stock 037833100 4 36 SH   SOLE   0 0 36
ISHARES RUSSELL 1000 ETF ETF 464287622 12,559 67,110 SH   SOLE   0 0 67,110