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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 639,060 5,615,156 SH   SOLE   5,615,156 0 0
SPDR SER TR SPDR BLOOMBERG ETF 78468R663 17,932 195,957 SH   SOLE   195,957 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 92,962 1,627,783 SH   SOLE   1,627,783 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND ETF 921937827 156,240 1,900,730 SH   SOLE   1,900,730 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 90,581 833,010 SH   SOLE   833,010 0 0
DBX ETF TR XTRACK USD HIGH ETF 233051432 162,049 3,252,690 SH   SOLE   3,252,690 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 650,528 8,985,193 SH   SOLE   8,985,193 0 0
ISHARES INC CORE MSCI EMKT ETF 46434G103 260,786 4,070,335 SH   SOLE   4,070,335 0 0
ISHARES TR ISHS 1-5YR INVS ETF 464288646 9,414 172,244 SH   SOLE   172,244 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 316,582 2,927,794 SH   SOLE   2,927,794 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 1,233,479 3,112,726 SH   SOLE   3,112,726 0 0
SPDR SER TR BLOOMBERG BRCLYS ETF 78468R622 72,048 664,779 SH   SOLE   664,779 0 0
SCHWAB STRATEGIC TR SHT TM US TRES ETF 808524862 148,430 2,892,256 SH   SOLE   2,892,256 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 162,597 2,660,292 SH   SOLE   2,660,292 0 0
ISHARES TR SHORT TREAS BD ETF 464288679 70,271 635,882 SH   SOLE   635,882 0 0
ISHARES TR 0-5 YR TIPS ETF ETF 46429B747 9,864 93,321 SH   SOLE   93,321 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS ETF 92206C102 117,826 1,914,948 SH   SOLE   1,914,948 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 73,033 790,230 SH   SOLE   790,230 0 0