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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 CORE S&P TTL STK 464287150 466,945 8,642,345 SH   DFND   0 0 8,642,345
ISHARES TR CORE US AGGBD ET 464287226 896,589 8,264,256 SH   DFND   0 0 8,264,256
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 394,328 6,910,774 SH   DFND   0 0 6,910,774
VANGUARD STAR FD VG TL INTL STK F 921909768 273,027 5,495,721 SH   DFND   0 0 5,495,721
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,459,374 30,332,685 SH   DFND   0 0 30,332,685
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,058,624 26,937,000 SH   DFND   0 0 26,937,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 273,348 5,715,001 SH   DFND   0 0 5,715,001
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 238,816 6,012,509 SH   DFND   0 0 6,012,509
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,338,452 6,186,515 SH   DFND   0 0 6,186,515
VANGUARD INDEX FDS MID CAP ETF 922908629 314,370 2,257,757 SH   DFND   0 0 2,257,757
VANGUARD INDEX FDS SMALL CP ETF 922908751 153,224 1,149,640 SH   DFND   0 0 1,149,640
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,864,060 15,364,823 SH   DFND   0 0 15,364,823
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 119,509 2,275,497 SH   DFND   0 0 2,275,497
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 152,538 1,913,432 SH   DFND   0 0 1,913,432