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 868,904 8,109,238 SH   SOLE   8,109,238 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF ETF 92203J407 186,457 3,578,829 SH   SOLE   3,578,829 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND ETF 921937827 140,624 1,805,194 SH   SOLE   1,805,194 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 130,244 1,330,925 SH   SOLE   1,330,925 0 0
DBX ETF TR XTRACK USD HIGH ETF 233051432 416,445 11,011,256 SH   SOLE   11,011,256 0 0
ISHARES TR CORE MSCI EAFE ETF 46432F842 910,277 12,877,035 SH   SOLE   12,877,035 0 0
ISHARES INC CORE MSCI EMKT ETF 46434G103 303,208 5,376,043 SH   SOLE   5,376,043 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 394,874 3,622,038 SH   SOLE   3,622,038 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 1,722,542 3,738,237 SH   SOLE   3,738,237 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF 808524870 220,215 3,614,241 SH   SOLE   3,614,241 0 0
ISHARES TR SHORT TREAS BD ETF 464288679 90,470 820,702 SH   SOLE   820,702 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS ETF 92206C102 103,922 1,753,370 SH   SOLE   1,753,370 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 84,969 774,488 SH   SOLE   774,488 0 0
VANGUARD MALVERN FDS STRM INFPROIDX ETF 922020805 65,262 1,269,937 SH   SOLE   1,269,937 0 0