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
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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 INC CORE MSCI EMKT 46434G103 1,918 40,672 SH   SOLE   530 0 40,142
ISHARES TR CORE MSCI EAFE 46432F842 8,442 153,494 SH   SOLE   907 0 152,587
ISHARES TR CORE MSCI TOTAL 46432F834 944 17,970 SH   SOLE   0 0 17,970
ISHARES TR CORE S&P MCP ETF 464287507 52,246 314,619 SH   SOLE   16,083 0 298,536
ISHARES TR CORE S&P SCP ETF 464287804 21,086 304,180 SH   SOLE   5,119 0 299,061
ISHARES TR RUS 1000 ETF 464287622 171,150 1,234,048 SH   SOLE   54,939 0 1,179,109
ISHARES TR RUSSELL 2000 ETF 464287655 16,360 122,179 SH   SOLE   5,443 0 116,736
MID AMER APT CMNTYS INC COM 59522J103 277 2,890 SH   SOLE   0 0 2,890
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 91,193 3,719,104 SH   SOLE   14,014 0 3,705,090
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,242 104,152 SH   SOLE   0 0 104,152
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,181 287,790 SH   SOLE   2,475 0 285,315
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 40,732 849,829 SH   SOLE   0 0 849,829
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 989 16,303 SH   SOLE   0 0 16,303
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,160 8,644 SH   SOLE   0 0 8,644
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,790 78,865 SH   SOLE   12,900 0 65,965
VANGUARD INDEX FDS MID CAP ETF 922908629 2,346 16,979 SH   SOLE   0 0 16,979
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,520 94,858 SH   SOLE   2,787 0 92,071
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,040 39,493 SH   SOLE   0 0 39,493