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
CHEVRON CORP NEW COM 166764100 257 1,775 SH   SOLE   0 0 1,775
ERIE INDTY CO CL A 29530P102 1,347 7,008 SH   SOLE   0 0 7,008
EXXON MOBIL CORP COM 30231G102 326 3,812 SH   SOLE   0 0 3,812
ISHARES TR IBOXX INV CP ETF 464287242 14,265 129,651 SH   SOLE   0 0 129,651
ISHARES TR RUS MDCP VAL ETF 464287473 23,134 227,762 SH   SOLE   0 0 227,762
ISHARES TR RUS MD CP GR ETF 464287481 17,814 224,865 SH   SOLE   0 0 224,865
ISHARES TR RUS 2000 VAL ETF 464287630 6,390 46,935 SH   SOLE   0 0 46,935
ISHARES TR RUS 2000 GRW ETF 464287648 5,905 28,623 SH   SOLE   0 0 28,623
ISHARES TR CORE MSCI EAFE 46432F842 18,203 309,312 SH   SOLE   0 0 309,312
PROCTER AND GAMBLE CO COM 742718109 493 3,432 SH   SOLE   0 0 3,432
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 469 8,080 SH   SOLE   0 0 8,080
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,064 17,046 SH   SOLE   0 0 17,046
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,005 118,385 SH   SOLE   0 0 118,385
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,075 161,354 SH   SOLE   0 0 161,354
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,084 194,088 SH   SOLE   0 0 194,088
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 21,107 263,774 SH   SOLE   0 0 263,774
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,337 15,385 SH   SOLE   0 0 15,385
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,711 13,212 SH   SOLE   0 0 13,212
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,285 7,327 SH   SOLE   0 0 7,327
VANGUARD INDEX FDS SML CP GRW ETF 922908595 11,936 60,581 SH   SOLE   0 0 60,581
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,099 120,805 SH   SOLE   0 0 120,805
VANGUARD INDEX FDS GROWTH ETF 922908736 15,921 71,429 SH   SOLE   0 0 71,429
VANGUARD INDEX FDS VALUE ETF 922908744 19,301 146,356 SH   SOLE   0 0 146,356
VERIZON COMMUNICATIONS INC COM 92343V104 228 4,500 SH   SOLE   0 0 4,500