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 10+ Year Credit Bond E ETF 464289511 4,673 73,864 SH   SOLE   0 0 0
iShares Barclays 1-3 Yr Credit ETF 464288646 3,223 30,478 SH   SOLE   0 0 0
iShares Core MSCI Total Int'l ETF 46432F834 41,880 801,993 SH   SOLE   0 0 0
iShares Core Total USD Bond Ma ETF 46434V613 6,900 132,458 SH   SOLE   0 0 0
iShares Hedged MSCI EMU ETF ETF 46434V639 5,385 217,208 SH   SOLE   0 0 0
iShares iBoxx High Yield ETF 464288513 574 6,576 SH   SOLE   0 0 0
iShares iBoxx Investment Grade ETF 464287242 4,321 35,076 SH   SOLE   0 0 0
iShares Intermediate Credit Bo ETF 464288638 2,168 19,472 SH   SOLE   0 0 0
iShares Short Treasury Bond ET ETF 464288679 1,150 10,413 SH   SOLE   0 0 0
PowerShares FTSE RAFI Emerging ETF 73936t763 1,541 86,000 SH   SOLE   0 0 0
Schwab US Broad Market ETF ETF 808524102 72,480 1,385,325 SH   SOLE   0 0 0
SPDR Blackstone/GSO Senior Loa ETF 78467V608 2,706 57,224 SH   SOLE   0 0 0
Vanguard FTSE All-World Ex-US ETF 922042775 3,471 76,401 SH   SOLE   0 0 0
Vanguard Long-Term Corp Bond E ETF 92206C813 8,496 88,773 SH   SOLE   0 0 0
Vanguard Short-Term Bond ETF ETF 921937827 38,770 479,650 SH   SOLE   0 0 0
Vanguard Total Bond Market ETF ETF 921937835 27,142 322,579 SH   SOLE   0 0 0
Vanguard Total Stock Market ET ETF 922908769 41,521 372,956 SH   SOLE   0 0 0
WisdomTree Japan Hedged Equity ETF 97717W851 8,095 188,661 SH   SOLE   0 0 0