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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hours per response: 23.8
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 CORE US AGGBD ET 464287226 228,467 2,115,240 SH   DFND   0 0 2,115,240
ISHARES TR SHRT TRS BD ETF 464288679 211,789 1,921,514 SH   DFND   0 0 1,921,514
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 179,694 3,664,251 SH   DFND   0 0 3,664,251
VANGUARD STAR FD VG TL INTL STK F 921909768 104,766 2,322,478 SH   DFND   0 0 2,322,478
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 103,416 1,245,085 SH   DFND   0 0 1,245,085
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 198,580 2,495,672 SH   DFND   0 0 2,495,672
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,336,551 2,404,653 SH   DFND   0 0 2,404,653
VANGUARD BD INDEX FD INC ALLWRLD EX US 922042775 104,385 2,404,653 SH   DFND   0 0 2,404,653
VANGUARD BD INDEX FD INC FTSE EMR MKT ETF 922042858 233,636 7,142,674 SH   DFND   0 0 7,142,674
VANGUARD BD INDEX FD INC FTSE PACIFIC ETF 922042866 425,773 7,513,207 SH   DFND   0 0 7,513,207
VANGUARD BD INDEX FD INC FTSE EUROPE ETF 922042874 680,673 13,646,217 SH   DFND   0 0 13,646,217
VANGUARD INDEX FDS Standard and Poors 500 ETF SHS 922908363 1,257,498 6,727,107 SH   DFND   0 0 6,727,107
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 251,207 2,997,702 SH   DFND   0 0 2,997,702
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,086,280 20,002,688 SH   DFND   0 0 20,002,688
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 156,468 2,967,911 SH   DFND   0 0 2,967,911