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
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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 23,516 151,016 SH   SOLE   0 0 151,016
ISHARES TR CORE S&P500 ETF 464287200 11,042 24,339 SH   SOLE   0 0 24,339
ISHARES TR MSCI EAFE ETF 464287465 8,424 114,463 SH   SOLE   0 0 114,463
ISHARES TR 1 3 YR TREAS BD 464287457 32,849 394,115 SH   SOLE   0 0 394,115
VANGUARD INDEX FDS TOTAL STK MKT 922908769 75,397 331,169 SH   SOLE   0 0 331,169
ISHARES TR MSCI EMG MKT ETF 464287234 5,145 113,950 SH   SOLE   0 0 113,950
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,142 436,634 SH   SOLE   0 0 436,634
ISHARES TR CORE US AGGBD ET 464287226 75,620 706,067 SH   SOLE   0 0 706,067
SPDR GOLD TR GOLD SHS 78463V107 221 1,221 SH   SOLE   0 0 1,221
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 29,470 397,976 SH   SOLE   0 0 397,976
VANGUARD INDEX FDS VALUE ETF 922908744 76,132 515,170 SH   SOLE   0 0 515,170
VANGUARD INDEX FDS SM CP VAL ETF 922908611 98,726 561,133 SH   SOLE   0 0 561,133
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 36,887 340,379 SH   SOLE   0 0 340,379
VANGUARD INDEX FDS SMALL CP ETF 922908751 83,362 392,256 SH   SOLE   0 0 392,256
ISHARES TR MICRO-CAP ETF 464288869 10,802 83,831 SH   SOLE   0 0 83,831
ISHARES TR EAFE VALUE ETF 464288877 17,198 342,173 SH   SOLE   0 0 342,173
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 29,421 472,402 SH   SOLE   0 0 472,402
WISDOMTREE TR INTL SMCAP DIV 97717W760 33,971 494,915 SH   SOLE   0 0 494,915
WISDOMTREE TR US HIGH DIVIDEND 97717W208 336 3,816 SH   SOLE   0 0 3,816
ISHARES TR CORE S&P TTL STK 464287150 609 6,030 SH   SOLE   0 0 6,030
VANGUARD INDEX FDS LARGE CAP ETF 922908637 864 4,145 SH   SOLE   0 0 4,145
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 39,649 688,479 SH   SOLE   0 0 688,479
ISHARES TR IBOXX HI YD ETF 464288513 676 8,216 SH   SOLE   0 0 8,216
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 70,714 907,750 SH   SOLE   0 0 907,750
VANGUARD BD INDEX FDS INTERMED TERM 921937819 94,453 1,153,269 SH   SOLE   0 0 1,153,269
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 93,026 1,169,553 SH   SOLE   0 0 1,169,553
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,161 33,019 SH   SOLE   0 0 33,019
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 328 2,923 SH   SOLE   0 0 2,923
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 29,715 618,684 SH   SOLE   0 0 618,684
ISHARES TR NATIONAL MUN ETF 464288414 1,565 14,278 SH   SOLE   0 0 14,278
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 30,958 249,884 SH   SOLE   0 0 249,884
WISDOMTREE TR EMG MKTS SMCAP 97717W281 12,102 227,062 SH   SOLE   0 0 227,062
SPDR SER TR PORTFLI TIPS ETF 78464A656 520 17,195 SH   SOLE   0 0 17,195
ISHARES TR EAFE SML CP ETF 464288273 5,732 86,399 SH   SOLE   0 0 86,399
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,409 63,112 SH   SOLE   0 0 63,112
ISHARES TR AGENCY BOND ETF 464288166 209 1,859 SH   SOLE   0 0 1,859
ISHARES TR MODERT ALLOC ETF 464289875 338 7,867 SH   SOLE   0 0 7,867
ISHARES TR GRWT ALLOCAT ETF 464289867 610 11,302 SH   SOLE   0 0 11,302
ISHARES TR SHRT NAT MUN ETF 464288158 3,440 32,883 SH   SOLE   0 0 32,883
ISHARES TR AGGRES ALLOC ETF 464289859 898 13,029 SH   SOLE   0 0 13,029
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 459 5,339 SH   SOLE   0 0 5,339
ISHARES TR RUS TOP 200 ETF 464289446 959 8,877 SH   SOLE   0 0 8,877
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,135 398,708 SH   SOLE   0 0 398,708
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 73,540 177,132 SH   SOLE   0 0 177,132
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 634 12,202 SH   SOLE   0 0 12,202
WISDOMTREE TR FUTRE STRAT FD 97717W125 5,261 146,324 SH   SOLE   0 0 146,324
SCHWAB STRATEGIC TR US REIT ETF 808524847 718 28,830 SH   SOLE   0 0 28,830
VANGUARD STAR FDS VG TL INTL STK F 921909768 25,208 421,967 SH   SOLE   0 0 421,967
ISHARES TR FLTG RATE NT ETF 46429B655 233 4,619 SH   SOLE   0 0 4,619
FLEXSHARES TR MORNSTAR USMKT 33939L100 26,478 152,052 SH   SOLE   0 0 152,052
INDEXIQ ETF TR US RL EST SMCP 45409B628 259 9,848 SH   SOLE   0 0 9,848
ISHARES INC CORE MSCI EMKT 46434G103 316 5,693 SH   SOLE   0 0 5,693
ISHARES TR CORE MSCI EAFE 46432F842 550 7,910 SH   SOLE   0 0 7,910
FLEXSHARES TR M STAR DEV MKT 33939L803 17,849 262,286 SH   SOLE   0 0 262,286
FLEXSHARES TR MSTAR EMKT FAC 33939L308 3,607 64,698 SH   SOLE   0 0 64,698
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 31,637 617,796 SH   SOLE   0 0 617,796
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 30,955 590,301 SH   SOLE   0 0 590,301
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 409 8,350 SH   SOLE   0 0 8,350
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 228 4,061 SH   SOLE   0 0 4,061
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 228 4,904 SH   SOLE   0 0 4,904