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

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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 Ten Year Credit Bond E ETF 464289511 4,476 72,136 SH   SOLE   0 0 0
iShares Barclays 1-3 Yr Credit ETF 464288646 2,763 26,229 SH   SOLE   0 0 0
iShares Core MSCI Total Int'l ETF 46432F834 34,113 559,418 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804 5,188 69,895 SH   SOLE   0 0 0
iShares Core Total USD Bond Ma ETF 46434V613 303 5,926 SH   SOLE   0 0 0
iShares Currency Hedged MSCI A ETF 46435G847 4,775 183,109 SH   SOLE   0 0 0
iShares iBoxx Investment Grade ETF 464287242 2,391 19,725 SH   SOLE   0 0 0
iShares Intermediate Credit Bo ETF 464288638 2,493 22,634 SH   SOLE   0 0 0
iShares MSCI EMU ETF ETF 464286608 4,899 113,091 SH   SOLE   0 0 0
PowerShares FTSE RAFI Emerging ETF 73936t763 1,192 55,880 SH   SOLE   0 0 0
Schwab US Broad Market ETF ETF 808524102 45,084 740,177 SH   SOLE   0 0 0
SPDR Blackstone/GSO Senior Loa ETF 78467V608 2,622 55,298 SH   SOLE   0 0 0
Vanguard FTSE All-World Ex-US ETF 922042775 4,027 76,401 SH   SOLE   0 0 0
Vanguard Long-Term Corp Bond E ETF 92206C813 3,397 36,074 SH   SOLE   0 0 0
Vanguard Total Bond Market ETF ETF 921937835 23,568 287,559 SH   SOLE   0 0 0
Vanguard Total Stock Market ET ETF 922908769 9,452 72,980 SH   SOLE   0 0 0