VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 55871 712280 SH SOLE 0 0 712280 ISHARES TR SHRT NAT MUN ETF 464288158 4727 45074 SH SOLE 0 0 45074 ISHARES TR RUS TOP 200 ETF 464289446 1384 22778 SH SOLE 0 0 22778 SCHWAB STRATEGIC TR US REIT ETF 808524847 1159 30289 SH SOLE 0 0 30289 ISHARES TR NATIONAL MUN ETF 464288414 2235 20520 SH SOLE 0 0 20520 VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1017 16690 SH SOLE 0 0 16690 VANGUARD INDEX FDS LARGE CAP ETF 922908637 1257 10369 SH SOLE 0 0 10369 WISDOMTREE TR EMG MKTS SMCAP 97717W281 13215 244543 SH SOLE 0 0 244543 ISHARES TR EAFE SML CP ETF 464288273 11689 179314 SH SOLE 0 0 179314 FLEXSHARES TR M STAR DEV MKT 33939L803 28784 424849 SH SOLE 0 0 424849 SCHWAB STRATEGIC TR US AGGREGATE B 808524839 174 3409 SH SOLE 0 0 3409 SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 3268 92350 SH SOLE 0 0 92350 SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 137 2142 SH SOLE 0 0 2142 INDEXIQ ETF TR US RL EST SMCP 45409B628 388 16376 SH SOLE 0 0 16376 ISHARES TR 1 3 YR TREAS BD 464287457 34192 409189 SH SOLE 0 0 409189 ISHARES TR FLTG RATE NT ETF 46429B655 2464 48388 SH SOLE 0 0 48388 VANGUARD INDEX FDS VALUE ETF 922908744 4908 47567 SH SOLE 0 0 47567 ISHARES INC CORE MSCI EMKT 46434G103 547 9372 SH SOLE 0 0 9372 ISHARES TR AGENCY BOND ETF 464288166 636 5680 SH SOLE 0 0 5680 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 618 8189 SH SOLE 0 0 8189 ISHARES TR CONSER ALLOC ETF 464289883 668 19505 SH SOLE 0 0 19505 SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 78 628 SH SOLE 0 0 628 ISHARES TR GRWT ALLOCAT ETF 464289867 1101 24700 SH SOLE 0 0 24700 ISHARES TR CORE S&P TTL STK 464287150 1823 30153 SH SOLE 0 0 30153 VANGUARD BD INDEX FD INC INTERMED TERM 921937819 7185 87869 SH SOLE 0 0 87869 VANGUARD INDEX FDS SMALL CP ETF 922908751 24116 164144 SH SOLE 0 0 164144 ISHARES TR CORE US AGGBD ET 464287226 95698 892289 SH SOLE 0 0 892289 WISDOMTREE TR US HIGH DIVIDEND 97717W208 667 9799 SH SOLE 0 0 9799 ISHARES TR IBOXX HI YD ETF 464288513 1644 19196 SH SOLE 0 0 19196 VANGUARD INDEX FDS TOTAL STK MKT 922908769 2571 18945 SH SOLE 0 0 18945 ISHARES TR AGGRES ALLOC ETF 464289859 1070 19997 SH SOLE 0 0 19997 FLEXSHARES TR MSTAR EMKT FAC 33939L308 6772 111223 SH SOLE 0 0 111223 SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1298 23270 SH SOLE 0 0 23270 ISHARES TR MICRO-CAP ETF 464288869 19178 199668 SH SOLE 0 0 199668 ISHARES TR MSCI EMG MKT ETF 464287234 11329 234650 SH SOLE 0 0 234650 ISHARES TR S&P 500 VAL ETF 464287408 40130 367018 SH SOLE 0 0 367018 ISHARES TR 3YRTB ETF 464288125 38 440 SH SOLE 0 0 440 ISHARES TR CORE MSCI EAFE 46432F842 876 13293 SH SOLE 0 0 13293 ISHARES TR MSCI ACWI ETF 464288257 71 992 SH SOLE 0 0 992 WISDOMTREE TR INTL SMCAP DIV 97717W760 49595 648888 SH SOLE 0 0 648888 VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20 454 SH SOLE 0 0 454 ISHARES TR MSCI EAFE ETF 464287465 17058 244798 SH SOLE 0 0 244798 ISHARES TR EAFE VALUE ETF 464288877 32909 603275 SH SOLE 0 0 603275 SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4896 105809 SH SOLE 0 0 105809 FLEXSHARES TR MORNSTAR USMKT 33939L100 37832 344805 SH SOLE 0 0 344805 VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 686 8320 SH SOLE 0 0 8320 ISHARES TR MODERT ALLOC ETF 464289875 832 22018 SH SOLE 0 0 22018 ISHARES TR CORE S&P500 ETF 464287200 20932 78879 SH SOLE 0 0 78879 VANGUARD INDEX FDS SM CP VAL ETF 922908611 40062 309549 SH SOLE 0 0 309549 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 986 11617 SH SOLE 0 0 11617 SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 88 1667 SH SOLE 0 0 1667 SPDR GOLD TRUST GOLD SHS 78463V107 2068 16439 SH SOLE 0 0 16439