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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>21584</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>137230</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
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      <sshPrnamt>1680204</sshPrnamt>
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    <votingAuthority>
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      <Shared>0</Shared>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>23072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192875</sshPrnamt>
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    <votingAuthority>
      <Sole>13657</Sole>
      <Shared>0</Shared>
      <None>179218</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCITOTAL</titleOfClass>
    <cusip>46432f834</cusip>
    <value>28539</value>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524201</cusip>
    <value>1366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27840</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27840</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>7157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175942</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>175942</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462f103</cusip>
    <value>1780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8661</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>2775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26183</None>
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