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 TR Core US AGG BD ETF CORE US AGGBD ET 464287226 7,771 104,293 SH   SOLE   0 0 104,293
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 16,303 248,023 SH   SOLE   0 0 248,023
SPDR S&P International Small Cap ETF S&P INTL SMLCP 78463X871 15,554 90,225 SH   SOLE   0 0 90,225
Xtrackers USD High Yield Corp Bd ETF XTRACK USD HIGH 233051432 7,077 128,062 SH   SOLE   0 0 128,062
ISHARES TR CORE MSCI EAFE CORE MSCI EAFE 46432F842 29,275 415,367 SH   SOLE   0 0 415,367
iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 3,739 72,687 SH   SOLE   0 0 72,687
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 2,593 33,129 SH   SOLE   0 0 33,129
SPDR(R) S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107 214 8,487 SH   SOLE   0 0 8,487
Schwab US REIT ETF US REIT ETF 808524847 7,237 182,114 SH   SOLE   0 0 182,114
SPDR(R) Nuveen Blmbg Barclays ST MunBd ETF NUVN BR SHT MUNI 78468R739 1,115 22,842 SH   SOLE   0 0 22,842
iShares 1-3 Year Treasury Bond ETF 1-3YRTRBDETF 464287457 85 3,212 SH   SOLE   0 0 3,212
SPDR(R) S&P 500 ETF TR UNIT 78462F103 66,256 226,129 SH   SOLE   0 0 226,129
iShares TIPS Bond ETF TIPS BD ETF 464287176 343 62,055 SH   SOLE   0 0 62,055
iShares TR 20 YR TR BD ETF 20 YR TR BD ETF 464287432 9,012 68,122 SH   SOLE   0 0 68,122
Vanguard FTSE All-Wld ex-US SmCp ETF FTSE SMCAP ETF 922042718 419 3,980 SH   SOLE   0 0 3,980