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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 772,258 6,700,725 SH   SOLE   6,700,725 0 0
SPDR SER TR SPDR BLOOMBERG ETF 78468R663 19,756 215,991 SH   SOLE   215,991 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 107,298 1,881,935 SH   SOLE   1,881,935 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND ETF 921937827 165,864 2,019,043 SH   SOLE   2,019,043 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 102,683 914,284 SH   SOLE   914,284 0 0
DBX ETF TR XTRACK USD HIGH ETF 233051432 188,531 4,673,557 SH   SOLE   4,673,557 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 742,750 9,846,886 SH   SOLE   9,846,886 0 0
ISHARES INC CORE MSCI EMKT ETF 46434G103 301,598 4,470,776 SH   SOLE   4,470,776 0 0
ISHARES TR ISHS 1-5YR INVS ETF 464288646 9,907 180,851 SH   SOLE   180,851 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 346,477 3,076,244 SH   SOLE   3,076,244 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 1,430,922 3,331,291 SH   SOLE   3,331,291 0 0
SPDR SER TR BLOOMBERG BRCLYS ETF 78468R622 83,210 756,594 SH   SOLE   756,594 0 0
SCHWAB STRATEGIC TR SHT TM US TRES ETF 808524862 168,581 3,291,312 SH   SOLE   3,291,312 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 167,631 2,685,103 SH   SOLE   2,685,103 0 0
ISHARES TR SHORT TREAS BD ETF 464288679 70,658 639,502 SH   SOLE   639,502 0 0
ISHARES TR 0-5 YR TIPS ETF ETF 46429B747 10,333 97,273 SH   SOLE   97,273 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS ETF 92206C102 75,823 1,234,301 SH   SOLE   1,234,301 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 87,720 857,227 SH   SOLE   857,227 0 0