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 AGGBD ET ETF 464287226 421,954 3,755,044 SH   SOLE   3,755,044 0 0
SPDR SERIES TRUST SPDR BLOOMBERG ETF 78468R663 2,871 31,408 SH   SOLE   31,408 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 43,336 765,934 SH   SOLE   765,934 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND ETF 921937827 8,895 110,357 SH   SOLE   110,357 0 0
INVESCO DB COMMDY INDX TRCK FD UNIT ETF 46138B103 22,307 1,398,596 SH   SOLE   1,398,596 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 38,282 334,173 SH   SOLE   334,173 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 289,935 4,444,136 SH   SOLE   4,444,136 0 0
ISHARES INC CORE MSCI EMKT ETF 46434G103 106,136 1,974,271 SH   SOLE   1,974,271 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 151,181 1,803,000 SH   SOLE   1,803,000 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 681,262 2,107,607 SH   SOLE   2,107,607 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS ETF 78468R622 84,256 769,184 SH   SOLE   769,184 0 0
SCHWAB STRATEGIC TR SHT TM US TRES ETF 808524862 40,075 793,882 SH   SOLE   793,882 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 78,184 1,380,617 SH   SOLE   1,380,617 0 0
ISHARES TR SHORT TREAS BD ETF 464288679 69,375 628,056 SH   SOLE   628,056 0 0
ISHARES TR 0-5 YR TIPS ETF ETF 46429B747 4,359 43,291 SH   SOLE   43,291 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 32,174 346,740 SH   SOLE   346,740 0 0
VANGUARD INTL EQUITY INDEX FD GLB EX US ETF ETF 922042676 8,775 148,503 SH   SOLE   148,503 0 0