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 TR S&P 500 VAL ETF 464287408 29,298 198,445 SH   SOLE   0 0 198,445
ISHARES TR CORE S&P500 ETF 464287200 18,577 43,211 SH   SOLE   0 0 43,211
ISHARES TR MSCI EAFE ETF 464287465 10,379 131,580 SH   SOLE   0 0 131,580
ISHARES TR 1 3 YR TREAS BD 464287457 35,832 415,878 SH   SOLE   0 0 415,878
VANGUARD INDEX FDS TOTAL STK MKT 922908769 25,551 114,670 SH   SOLE   0 0 114,670
ISHARES TR MSCI EMG MKT ETF 464287234 6,817 123,604 SH   SOLE   0 0 123,604
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,727 123,860 SH   SOLE   0 0 123,860
ISHARES TR CORE US AGGBD ET 464287226 83,936 727,793 SH   SOLE   0 0 727,793
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 9,241 112,269 SH   SOLE   0 0 112,269
VANGUARD INDEX FDS VALUE ETF 922908744 27,316 198,717 SH   SOLE   0 0 198,717
VANGUARD INDEX FDS SM CP VAL ETF 922908611 69,988 403,019 SH   SOLE   0 0 403,019
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,076 118,637 SH   SOLE   0 0 118,637
VANGUARD INDEX FDS SMALL CP ETF 922908751 49,952 221,733 SH   SOLE   0 0 221,733
ISHARES TR MICRO-CAP ETF 464288869 15,226 99,780 SH   SOLE   0 0 99,780
ISHARES TR EAFE VALUE ETF 464288877 21,034 406,374 SH   SOLE   0 0 406,374
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 9,700 144,224 SH   SOLE   0 0 144,224
WISDOMTREE TR INTL SMCAP DIV 97717W760 40,611 543,800 SH   SOLE   0 0 543,800
WISDOMTREE TR US HIGH DIVIDEND 97717W208 356 4,547 SH   SOLE   0 0 4,547
ISHARES TR CORE S&P TTL STK 464287150 725 7,339 SH   SOLE   0 0 7,339
VANGUARD INDEX FDS LARGE CAP ETF 922908637 985 4,907 SH   SOLE   0 0 4,907
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,780 201,607 SH   SOLE   0 0 201,607
ISHARES TR IBOXX HI YD ETF 464288513 835 9,487 SH   SOLE   0 0 9,487
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 55,337 673,530 SH   SOLE   0 0 673,530
VANGUARD BD INDEX FDS INTERMED TERM 921937819 37,271 414,307 SH   SOLE   0 0 414,307
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 35,366 411,765 SH   SOLE   0 0 411,765
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,347 34,840 SH   SOLE   0 0 34,840
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 371 3,544 SH   SOLE   0 0 3,544
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,543 185,226 SH   SOLE   0 0 185,226
ISHARES TR NATIONAL MUN ETF 464288414 1,813 15,465 SH   SOLE   0 0 15,465
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 10,101 74,029 SH   SOLE   0 0 74,029
WISDOMTREE TR EMG MKTS SMCAP 97717W281 14,031 257,542 SH   SOLE   0 0 257,542
SPDR SER TR PORTFLI TIPS ETF 78464A656 645 20,716 SH   SOLE   0 0 20,716
ISHARES TR EAFE SML CP ETF 464288273 7,297 98,391 SH   SOLE   0 0 98,391
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,543 68,810 SH   SOLE   0 0 68,810
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 218 6,754 SH   SOLE   0 0 6,754
ISHARES TR AGENCY BOND ETF 464288166 394 3,329 SH   SOLE   0 0 3,329
ISHARES TR MODERT ALLOC ETF 464289875 543 12,057 SH   SOLE   0 0 12,057
ISHARES TR CONSER ALLOC ETF 464289883 734 18,440 SH   SOLE   0 0 18,440
ISHARES TR GRWT ALLOCAT ETF 464289867 830 14,818 SH   SOLE   0 0 14,818
ISHARES TR SHRT NAT MUN ETF 464288158 3,821 35,438 SH   SOLE   0 0 35,438
ISHARES TR AGGRES ALLOC ETF 464289859 1,233 17,454 SH   SOLE   0 0 17,454
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 497 5,223 SH   SOLE   0 0 5,223
ISHARES TR RUS TOP 200 ETF 464289446 1,093 10,631 SH   SOLE   0 0 10,631
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,703 141,489 SH   SOLE   0 0 141,489
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,297 59,202 SH   SOLE   0 0 59,202
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 656 11,248 SH   SOLE   0 0 11,248
WISDOMTREE TR FUTRE STRAT FD 97717W125 6,814 164,498 SH   SOLE   0 0 164,498
SCHWAB STRATEGIC TR US REIT ETF 808524847 789 17,229 SH   SOLE   0 0 17,229
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,345 127,054 SH   SOLE   0 0 127,054
ISHARES TR FLTG RATE NT ETF 46429B655 510 10,029 SH   SOLE   0 0 10,029
FLEXSHARES TR MORNSTAR USMKT 33939L100 28,771 168,926 SH   SOLE   0 0 168,926
ISHARES TR MSCI USA MIN VOL 46429B697 307 4,172 SH   SOLE   0 0 4,172
INDEXIQ ETF TR US RL EST SMCP 45409B628 257 9,856 SH   SOLE   0 0 9,856
ISHARES INC CORE MSCI EMKT 46434G103 400 5,972 SH   SOLE   0 0 5,972
ISHARES TR CORE MSCI EAFE 46432F842 657 8,781 SH   SOLE   0 0 8,781
FLEXSHARES TR M STAR DEV MKT 33939L803 20,118 275,632 SH   SOLE   0 0 275,632
FLEXSHARES TR MSTAR EMKT FAC 33939L308 4,339 66,766 SH   SOLE   0 0 66,766
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 11,914 227,323 SH   SOLE   0 0 227,323
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 11,573 202,675 SH   SOLE   0 0 202,675
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 345 7,315 SH   SOLE   0 0 7,315
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,369 50,741 SH   SOLE   0 0 50,741
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 210 3,592 SH   SOLE   0 0 3,592