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
Estimated average burden
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 Core Conservative Allocation ETF CONSER ALLOC ETF 464289883 4,456 131,343 SH   SOLE   131,343 0 0
iShares Core Growth Allocation ETF GRWT ALLOCAT ETF 464289867 703 15,986 SH   SOLE   15,986 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 16,958 158,839 SH   SOLE   158,839 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 25,438 238,268 SH   DFND 1 238,268 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 3,366 39,619 SH   SOLE   39,619 0 0
iShares iBoxx $ High Yield Corp Bd ETF IBOXX HI YD ETF 464288513 3,418 40,234 SH   DFND 1 40,234 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 30,039 224,521 SH   SOLE   224,521 0 0
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 16,728 125,035 SH   DFND 1 125,035 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 1,320 11,017 SH   DFND 1 11,017 0 0
iShares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 368 2,028 SH   DFND 1 2,028 0 0
iShares Russell 2000 Value ETF RUS 2000 VAL ETF 464287630 335 2,793 SH   DFND 1 2,793 0 0
iShares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 25,250 165,783 SH   SOLE   165,783 0 0
iShares Short-Term National Muni Bd ETF SHRT NAT MUN ETF 464288158 1,286 12,275 SH   SOLE   12,275 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 4,038 36,215 SH   SOLE   36,215 0 0
iShares TIPS Bond ETF TIPS BD ETF 464287176 4,616 41,401 SH   DFND 1 41,401 0 0
PowerShares Fundamental HiYld CorpBd ETF FDM HG YLD RAFI 73936T557 7,856 424,891 SH   SOLE   424,891 0 0
PowerShares Fundamental HiYld CorpBd ETF FDM HG YLD RAFI 73936T557 5,143 278,173 SH   DFND 1 278,173 0 0
PowerShares International Corp Bd ETF INTL CORP BOND 73936Q835 574 20,826 SH   DFND 1 20,826 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 3,703 111,877 SH   SOLE   111,877 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 831 25,100 SH   DFND 1 25,100 0 0
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 13,173 210,659 SH   SOLE   210,659 0 0
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 5,755 92,036 SH   DFND 1 92,036 0 0
Schwab US Large-Cap Value ETF US LCAP VA ETF 808524409 11,945 225,938 SH   SOLE   225,938 0 0
Schwab US Large-Cap Value ETF US LCAP VA ETF 808524409 5,540 104,786 SH   DFND 1 104,786 0 0
SPDR Blmbg Barclays High Yield Bd ETF BLOOMBERG BRCLYS 78464A417 841 23,567 SH   SOLE   23,567 0 0
SPDR Nuveen Blmbg Barclays Muni Bd ETF NUVEEN BRC MUNIC 78468R721 2,288 47,700 SH   SOLE   47,700 0 0
SPDR Portfolio Aggregate Bond ETF PORTFOLIO AGRGTE 78464A649 2,806 100,118 SH   SOLE   100,118 0 0
SPDR Portfolio Aggregate Bond ETF PORTFOLIO AGRGTE 78464A649 3,793 135,334 SH   DFND 1 135,334 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 7,277 221,331 SH   SOLE   221,331 0 0
SPDR Portfolio S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 13,967 424,791 SH   DFND 1 424,791 0 0
SPDR Portfolio Short Term Corp Bd ETF PORTFOLIO SHORT 78464A474 984 32,500 SH   SOLE   32,500 0 0
VanEck Vectors AMT-Free Interm Muni ETF AMT FREE INT ETF 92189F544 8,446 360,471 SH   SOLE   360,471 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 11,834 142,720 SH   SOLE   142,720 0 0
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 5,529 66,679 SH   DFND 1 66,679 0 0
Vanguard REIT ETF REIT ETF 922908553 1,548 20,876 SH   DFND 1 20,876 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 2,967 21,632 SH   SOLE   21,632 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 4,115 84,802 SH   SOLE   84,802 0 0
Vanguard Short-Term Infl-Prot Secs ETF STRM INFPROIDX 922020805 4,698 96,808 SH   DFND 1 96,808 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 12,749 160,222 SH   SOLE   160,222 0 0
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 16,573 208,282 SH   DFND 1 208,282 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 17,775 329,219 SH   SOLE   329,219 0 0
Vanguard Total International Bond ETF INTL BD IDX ETF 92203J407 13,123 243,056 SH   DFND 1 243,056 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 11,938 134,510 SH   SOLE   134,510 0 0
WisdomTree US LargeCap Dividend ETF US LARGECAP DIVD 97717W307 5,513 62,108 SH   DFND 1 62,108 0 0