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
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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 19,542 316,415 SH   SOLE   0 0 316,415
ISHARES TR COHEN STEER REIT 464287564 1,706 26,071 SH   SOLE   0 0 26,071
ISHARES TR CORE MSCI EAFE 46432F842 17,748 239,027 SH   SOLE   0 0 239,027
ISHARES TR CORE MSCI TOTAL 46432F834 19,669 277,023 SH   SOLE   0 0 277,023
ISHARES TR CORE S&P500 ETF 464287200 1,586 3,682 SH   SOLE   0 0 3,682
ISHARES TR CRE U S REIT ETF 464288521 44,671 761,660 SH   SOLE   0 0 761,660
ISHARES TR MSCI EAFE ETF 464287465 10,109 129,585 SH   SOLE   0 0 129,585
ISHARES TR MSCI EMG MKT ETF 464287234 6,185 122,760 SH   SOLE   0 0 122,760
ISHARES TR RUS 1000 ETF 464287622 3,899 16,133 SH   SOLE   0 0 16,133
ISHARES TR RUSSELL 2000 ETF 464287655 362 1,655 SH   SOLE   0 0 1,655
ISHARES TR RUSSELL 3000 ETF 464287689 40,352 158,335 SH   SOLE   0 0 158,335
ISHARES TR U.S. REAL ES ETF 464287739 18,475 180,438 SH   SOLE   0 0 180,438
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 251 2,417 SH   SOLE   0 0 2,417
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 223 2,228 SH   SOLE   0 0 2,228
SPDR GOLD TR GOLD SHS 78463V107 1,128 6,870 SH   SOLE   0 0 6,870
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,144 2,665 SH   SOLE   0 0 2,665
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,740 131,074 SH   SOLE   0 0 131,074
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,914 116,023 SH   SOLE   0 0 116,023
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,062 5,286 SH   SOLE   0 0 5,286
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 63,463 623,529 SH   SOLE   0 0 623,529
VANGUARD INDEX FDS TOTAL STK MKT 922908769 97,615 439,587 SH   SOLE   0 0 439,587
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 71,110 1,166,509 SH   SOLE   0 0 1,166,509
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 30,007 600,024 SH   SOLE   0 0 600,024
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 77,204 1,529,095 SH   SOLE   0 0 1,529,095