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 CORE S&P TTL STK 464287150 375,947 7,329,834 SH   DFND   0 0 7,329,834
ISHARES TR CORE US AGGBD ET 464287226 886,425 8,203,090 SH   DFND   0 0 8,203,090
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 340,490 6,284,432 SH   DFND   0 0 6,284,432
VANGUARD STAR FD VG TL INTL STK F 921909768 266,725 5,813,544 SH   DFND   0 0 5,813,544
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 103,429 1,245,085 SH   DFND   0 0 1,245,085
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 198,281 2,495,672 SH   DFND   0 0 2,495,672
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,541,675 31,460,271 SH   DFND   0 0 31,460,271
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 954,059 26,110,000 SH   DFND   0 0 26,110,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 266,910 6,041,427 SH   DFND   0 0 6,041,427
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 209,188 5,846,509 SH   DFND   0 0 5,846,509
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,270,153 6,186,515 SH   DFND   0 0 6,186,515
VANGUARD INDEX FDS MID CAP ETF 922908629 297,188 2,257,757 SH   DFND   0 0 2,257,757
VANGUARD INDEX FDS SMALL CP ETF 922908751 148,257 1,149,640 SH   DFND   0 0 1,149,640
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,855,890 16,093,400 SH   DFND   0 0 16,093,400
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 155,192 2,967,911 SH   DFND   0 0 2,967,911