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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
OMB APPROVAL
OMB Number: 3235-0006
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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 CORE S&P MCP ETF 464287507 64,110 318,498 SH   SOLE   16,434 0 302,064
ISHARES TR CORE S&P SCP ETF 464287804 37,527 430,157 SH   SOLE   9,706 0 420,451
ISHARES TR RUS 1000 ETF 464287622 214,126 1,324,136 SH   SOLE   54,304 0 1,269,832
ISHARES TR RUSSELL 2000 ETF 464287655 21,379 126,843 SH   SOLE   5,555 0 121,288
MID AMER APT CMNTYS INC COM 59522J103 290 2,890 SH   SOLE   0 0 2,890
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 100,833 3,523,180 SH   SOLE   22,085 0 3,501,095
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 413 5,874 SH   SOLE   0 0 5,874
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,451 35,232 SH   SOLE   0 0 35,232
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 48,883 845,136 SH   SOLE   0 0 845,136
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,443 32,072 SH   SOLE   0 0 32,072
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,559 8,802 SH   SOLE   0 0 8,802
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,918 26,183 SH   SOLE   0 0 26,183