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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
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
VANGUARD INDEX FDS Common 922908769 467,118 4,456,383 SH   SOLE   4,456,383 0 0
ISHARES TR Common 464287408 125,244 1,392,679 SH   SOLE   1,392,679 0 0
ISHARES TR Common 464287473 38,746 546,256 SH   SOLE   546,256 0 0
ISHARES TR Common 464287630 30,912 331,745 SH   SOLE   331,745 0 0
VANGUARD TAX MANAGED INTL FD Common 921943858 1,010,131 28,153,048 SH   SOLE   28,153,048 0 0
VANGUARD INTL EQUITY INDEX F Common 922042858 293,481 8,487,023 SH   SOLE   8,487,023 0 0
ISHARES TR Common 464288679 90,652 821,417 SH   SOLE   821,417 0 0
VANGUARD BD INDEX FD INC Common 921937835 88,185 1,064,903 SH   SOLE   1,064,903 0 0
VANGUARD INDEX FDS Common 922908553 335 3,998 SH   SOLE   3,998 0 0
VANGUARD WHITEHALL FDS INC Common 921946885 92,202 1,198,208 SH   SOLE   1,198,208 0 0
VANGUARD CHARLOTTE FDS Common 92203J407 212,443 3,895,179 SH   SOLE   3,895,179 0 0
VANGUARD MALVERN FDS Common 922020805 33,845 688,885 SH   SOLE   688,885 0 0
ISHARES TR Common 464287242 70,043 589,486 SH   SOLE   589,486 0 0
ISHARES TR Common 464288414 307,228 2,751,705 SH   SOLE   2,751,705 0 0
ISHARES TR Common 464288356 4,231 35,462 SH   SOLE   35,462 0 0
ISHARES TR Common 464288323 941 8,335 SH   SOLE   8,335 0 0
VANGUARD SCOTTSDALE FDS Common 92206C870 4,751 54,655 SH   SOLE   54,655 0 0
SPDR SERIES TRUST Common 78464A375 617 18,018 SH   SOLE   18,018 0 0
SPDR SERIES TRUST Common 78468R721 15,026 304,539 SH   SOLE   304,539 0 0
ISHARES TR Common 464288281 11,969 108,462 SH   SOLE   108,462 0 0
POWERSHARES GLOBAL ETF TRUST Common 73936T573 461 16,297 SH   SOLE   16,297 0 0
SCHWAB STRATEGIC TR Common 808524102 93,528 1,897,887 SH   SOLE   1,897,887 0 0
ISHARES TR Common 464287150 5,975 64,002 SH   SOLE   64,002 0 0
VANGUARD INDEX FDS Common 922908744 432,921 5,254,528 SH   SOLE   5,254,528 0 0
SCHWAB STRATEGIC TR Common 808524409 5,833 135,022 SH   SOLE   135,022 0 0
VANGUARD INDEX FDS Common 922908512 141,323 1,622,165 SH   SOLE   1,622,165 0 0
ISHARES TR Common 464287705 1,825 14,712 SH   SOLE   14,712 0 0
VANGUARD INDEX FDS Common 922908611 126,599 1,242,630 SH   SOLE   1,242,630 0 0
ISHARES TR Common 464287879 1,692 14,934 SH   SOLE   14,934 0 0
SCHWAB STRATEGIC TR Common 808524805 230,209 8,491,653 SH   SOLE   8,491,653 0 0
ISHARES TR Common 46432F842 21,016 395,484 SH   SOLE   395,484 0 0
ISHARES INC Common 46434G103 49,064 1,178,858 SH   SOLE   1,178,858 0 0
ISHARES TR Common 464287234 5,653 165,040 SH   SOLE   165,040 0 0
ISHARES TR Common 464287200 1,903 9,209 SH   SOLE   9,209 0 0
FIRST TR EXCHANGE TRADED FD Common 33738D101 3,494 159,829 SH   SOLE   159,829 0 0
VANGUARD INDEX FDS Common 922908736 458 4,305 SH   SOLE   4,305 0 0
POWERSHARES ETF TRUST Common 73935X195 116 11,270 SH   SOLE   11,270 0 0