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 CORE U.S. AGGREGATE ETF 464287226 193 1,671 SH   SOLE   0 0 1,671
JPMORGAN BETABUILDERS CANADA ETF 46641Q696 22,373 345,742 SH   SOLE   0 0 345,742
SPDR BBG BARC 1-3 MONTH TBIL ETF 78468R663 17,133 187,309 SH   SOLE   0 0 187,309
VANGUARD TOTAL BOND MARKET ETF 921937835 442 5,142 SH   SOLE   0 0 5,142
ISHARES MSCI EAFE ETF ETF 464287465 1 9 SH   SOLE   0 0 9
ISHARES MSCI EAFE VALUE ETF ETF 464288877 55 1,062 SH   SOLE   0 0 1,062
ISHARES MSCI CANADA ETF ETF 464286509 3,889 104,339 SH   SOLE   0 0 104,339
ISHARES IBOXX HIGH YLD CORP ETF 464288513 1,843 20,933 SH   SOLE   0 0 20,933
XTRACKERS USD HIGH YIELD COR ETF 233051432 9,414 233,535 SH   SOLE   0 0 233,535
ISHARES GOLD TRUST ETF 464285105 2,938 87,161 SH   SOLE   0 0 87,161
ISHARES CORE MSCI EMERGING ETF 46434G103 70,510 1,052,546 SH   SOLE   0 0 1,052,546
ISHARES CORE MSCI EUROPE ETF 46434V738 40,135 700,674 SH   SOLE   0 0 700,674
ISHARES CORE S&P SMALL-CAP E ETF 464287804 2,954 26,147 SH   SOLE   0 0 26,147
ISHARES CORE MSCI PACIFIC ET ETF 46434V696 27,396 412,902 SH   SOLE   0 0 412,902
ISHARES CORE S&P TOTAL U.S. ETF 464287150 65,622 664,461 SH   SOLE   0 0 664,461
ISHARES CORE S&P U.S. VALUE ETF 464287663 3,910 54,342 SH   SOLE   0 0 54,342
ISHARES CORE S&P 500 ETF ETF 464287200 18,392 42,781 SH   SOLE   0 0 42,781
ISHARES RUSSELL 1000 VALUE E ETF 464287598 290 1,826 SH   SOLE   0 0 1,826
ISHARES RUSSELL 2000 ETF ETF 464287655 125 544 SH   SOLE   0 0 544
ISHARES NATIONAL MUNI BOND E ETF 464288414 1,354 11,549 SH   SOLE   0 0 11,549
SCHWAB US SMALL-CAP ETF ETF 808524607 21 205 SH   SOLE   0 0 205
SCHWAB US BROAD MARKET ETF ETF 808524102 690 6,622 SH   SOLE   0 0 6,622
SCHWAB INTL SMALL-CAP EQUITY ETF 808524888 2,591 62,277 SH   SOLE   0 0 62,277
SCHWAB US REIT ETF ETF 808524847 11,676 255,000 SH   SOLE   0 0 255,000
SCHWAB US LARGE-CAP ETF ETF 808524201 50 484 SH   SOLE   0 0 484
ISHARES MSCI EAFE SMALL-CAP ETF 464288273 5,216 70,335 SH   SOLE   0 0 70,335
SPDR S&P 500 ETF TRUST ETF 78462F103 665 1,554 SH   SOLE   0 0 1,554
ISHARES TIPS BOND ETF ETF 464287176 1,420 11,095 SH   SOLE   0 0 11,095
VANGUARD SMALL-CAP ETF ETF 922908751 16,127 71,587 SH   SOLE   0 0 71,587
VANGUARD FTSE EUROPE ETF ETF 922042874 86,779 1,290,201 SH   SOLE   0 0 1,290,201
VANGUARD INTERMEDIATE-TERM T ETF 92206C706 1,492 22,000 SH   SOLE   0 0 22,000
VANGUARD SHORT-TERM TREASURY ETF 92206C102 6,322 102,906 SH   SOLE   0 0 102,906
VANGUARD REAL ESTATE ETF ETF 922908553 29,666 291,448 SH   SOLE   0 0 291,448
VANGUARD GLBL EX-US REAL EST ETF 922042676 12,509 214,337 SH   SOLE   0 0 214,337
VANGUARD S&P 500 ETF ETF 922908363 25,833 65,646 SH   SOLE   0 0 65,646
VANGUARD FTSE PACIFIC ETF ETF 922042866 38,555 468,409 SH   SOLE   0 0 468,409
VANGUARD FTSE ALL WO X-US SC ETF 922042718 346 2,539 SH   SOLE   0 0 2,539
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 1,111 20,085 SH   SOLE   0 0 20,085
VANGUARD TOTAL STOCK MKT ETF ETF 922908769 126,407 567,304 SH   SOLE   0 0 567,304
VANGUARD VALUE ETF ETF 922908744 10,666 77,592 SH   SOLE   0 0 77,592
VANGUARD FTSE EMERGING MARKE ETF 922042858 92,799 1,708,697 SH   SOLE   0 0 1,708,697
VANGUARD TOTAL INTL STOCK ETF 921909768 30 450 SH   SOLE   0 0 450