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
Vanguard Short-Term Bond ETF ETF 921937827 17,557 219,593 SH   SOLE   0 0 219,593
Vanguard Total Stock Market ETF ETF 922908769 15,790 148,963 SH   SOLE   0 0 148,963
Vanguard Short-Term Corporate Bond ETF ETF 92206C409 13,881 174,319 SH   SOLE   0 0 174,319
Vanguard FTSE Developed Markets ETF ETF 921943858 10,597 279,748 SH   SOLE   0 0 279,748
iShares Intermediate Credit Bond ETF 464288638 7,209 65,945 SH   SOLE   0 0 65,945
iShares S&P Mid-Cap 400 Value ETF 464287705 5,644 44,155 SH   SOLE   0 0 44,155
Vanguard FTSE Emerging Markets ETF ETF 922042858 5,391 134,719 SH   SOLE   0 0 134,719
iShares Russell 1000 ETF 464287622 4,963 43,298 SH   SOLE   0 0 43,298
Vanguard Dividend Appreciation ETF ETF 921908844 4,858 59,860 SH   SOLE   0 0 59,860
Vanguard Mega Cap Growth ETF ETF 921910816 4,740 58,329 SH   SOLE   0 0 58,329
iShares Russell 3000 ETF 464287689 3,279 26,813 SH   SOLE   0 0 26,813
Vanguard FTSE Europe ETF ETF 922042874 3,186 60,791 SH   SOLE   0 0 60,791
Vanguard Global ex-US Real Estate ETF ETF 922042676 2,688 50,218 SH   SOLE   0 0 50,218
iShares Core MSCI Total Intl Stk ETF 46432F834 2,486 46,672 SH   SOLE   0 0 46,672
iShares Europe ETF 464287861 1,598 37,567 SH   SOLE   0 0 37,567
iShares S&P 500 Growth ETF 464287309 971 8,698 SH   SOLE   0 0 8,698
iShares Select Dividend ETF 464287168 748 9,424 SH   SOLE   0 0 9,424
iShares MSCI ACWI ETF 464288257 641 10,955 SH   SOLE   0 0 10,955
iShares 1-3 Year Treasury Bond ETF 464287457 231 2,734 SH   SOLE   0 0 2,734