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 INC CORE MSCI EMKT 46434G103 3,244 75,608 SH   SOLE   75,608 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,254 39,330 SH   SOLE   39,330 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,738 34,560 SH   SOLE   34,560 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,421 68,607 SH   SOLE   68,607 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,289 11,915 SH   SOLE   11,915 0 0
ISHARES TR CORE US AGGBD ET 464287226 5 50 SH   SOLE   50 0 0
ISHARES TR CORE US AGGBD ET 464287226 5 45 SH   SOLE   45 0 0
ISHARES TR CORE US AGGBD ET 464287226 27 253 SH   SOLE   253 0 0
ISHARES TR CORE US AGGBD ET 464287226 4 36 SH   SOLE   36 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,776 20,440 SH   SOLE   20,440 0 0
ISHARES TR IBOXX HI YD ETF 464288513 2,249 25,880 SH   SOLE   25,880 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,492 17,170 SH   SOLE   17,170 0 0
ISHARES TR IBOXX HI YD ETF 464288513 4,238 48,763 SH   SOLE   48,763 0 0
ISHARES TR INTL SEL DIV ETF 464288448 1,366 45,790 SH   SOLE   45,790 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,129 23,092 SH   SOLE   23,092 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1 4 SH   SOLE   4 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1 4 SH   SOLE   4 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6 46 SH   SOLE   46 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1 4 SH   SOLE   4 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 4,050 127,610 SH   SOLE   127,610 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189F494 1,223 7,020 SH   SOLE   7,020 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 4,252 52,625 SH   SOLE   52,625 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,053 87,305 SH   SOLE   87,305 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 4,964 61,441 SH   SOLE   61,441 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 12,445 230,040 SH   SOLE   230,040 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 353 6,530 SH   SOLE   6,530 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 253 4,680 SH   SOLE   4,680 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 868 9,000 SH   SOLE   9,000 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,729 17,915 SH   SOLE   17,915 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,751 18,145 SH   SOLE   18,145 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,608 31,500 SH   SOLE   31,500 0 0
VANGUARD INDEX FDS REIT ETF 922908553 2,540 30,675 SH   SOLE   30,675 0 0
VANGUARD INDEX FDS REIT ETF 922908553 386 4,660 SH   SOLE   4,660 0 0
VANGUARD INDEX FDS REIT ETF 922908553 499 6,030 SH   SOLE   6,030 0 0
VANGUARD INDEX FDS REIT ETF 922908553 183 2,210 SH   SOLE   2,210 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,248 15,710 SH   SOLE   15,710 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,437 31,135 SH   SOLE   31,135 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,595 31,900 SH   SOLE   31,900 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 615 6,570 SH   SOLE   6,570 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,246 13,305 SH   SOLE   13,305 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,377 14,710 SH   SOLE   14,710 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,657 101,100 SH   SOLE   101,100 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 435 12,040 SH   SOLE   12,040 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 981 27,120 SH   SOLE   27,120 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,077 29,770 SH   SOLE   29,770 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,237 24,800 SH   SOLE   24,800 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,222 24,516 SH   SOLE   24,516 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 281 5,630 SH   SOLE   5,630 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 123 2,470 SH   SOLE   2,470 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,243 49,560 SH   SOLE   49,560 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,964 46,300 SH   SOLE   46,300 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,584 18,505 SH   SOLE   18,505 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,138 30,960 SH   SOLE   30,960 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,964 80,610 SH   SOLE   80,610 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,139 85,365 SH   SOLE   85,365 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,275 16,390 SH   SOLE   16,390 0 0