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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
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
ISHARES TR CORE US AGGBD ET ETF 464287226 588,438 4,982,543 SH   SOLE   4,982,543 0 0
SPDR SER TR SPDR BLOOMBERG ETF 78468R663 17,723 193,675 SH   SOLE   193,675 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 75,768 1,294,530 SH   SOLE   1,294,530 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND ETF 921937827 130,567 1,575,764 SH   SOLE   1,575,764 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 82,619 713,218 SH   SOLE   713,218 0 0
DBX ETF TR XTRACK USD HIGH ETF 233051432 116,812 2,332,974 SH   SOLE   2,332,974 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 587,352 8,425,650 SH   SOLE   8,425,650 0 0
ISHARES INC CORE MSCI EMKT ETF 46434G103 251,594 4,051,437 SH   SOLE   4,051,437 0 0
ISHARES TR ISHS 1-5YR INVS ETF 464288646 8,526 154,602 SH   SOLE   154,602 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 283,885 3,093,781 SH   SOLE   3,093,781 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 1,094,262 2,931,321 SH   SOLE   2,931,321 0 0
SPDR SER TR BLOOMBERG BRCLYS ETF 78468R622 77,188 709,390 SH   SOLE   709,390 0 0
SCHWAB STRATEGIC TR SHT TM US TRES ETF 808524862 155,293 3,021,865 SH   SOLE   3,021,865 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 135,525 2,189,429 SH   SOLE   2,189,429 0 0
ISHARES TR SHORT TREAS BD ETF 464288679 62,693 567,260 SH   SOLE   567,260 0 0
ISHARES TR 0-5 YR TIPS ETF ETF 46429B747 8,820 84,557 SH   SOLE   84,557 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS ETF 92206C102 83,320 1,352,171 SH   SOLE   1,352,171 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 62,468 742,606 SH   SOLE   742,606 0 0