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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   82,562,948 922,915 SH   SOLE   692,285 297,200 0
ISHARES TR CORE S&P MCP ETF 464287507   77,241,538 308,869 SH   SOLE   239,969 68,800 0
ISHARES TR CORE S&P500 ETF 464287200   61,515,207 149,643 SH   SOLE   124,843 24,800 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   49,823,325 262,837 SH   SOLE   197,737 65,100 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   37,115,507 821,685 SH   SOLE   612,685 209,000 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   26,880,245 323,702 SH   SOLE   242,202 81,500 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   26,192,153 128,330 SH   SOLE   128,330 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,135,714 485,204 SH   SOLE   335,204 150,000 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   15,387,461 165,777 SH   SOLE   138,377 27,400 0
ISHARES TR INTL DEV RE ETF 464288489   6,531,422 315,071 SH   SOLE   220,071 95,000 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,927,712 93,330 SH   SOLE   50,580 42,750 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,355,296 975 SH   SOLE   975 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,082,875 20,904 SH   SOLE   0 20,904 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,773,512 38,099 SH   SOLE   38,099 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,224,635 16,065 SH   SOLE   16,065 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,183,119 17,437 SH   SOLE   17,288 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,167,021 5,533 SH   SOLE   0 5,533 0
ISHARES TR RUS 1000 ETF 464287622   1,126,150 5,000 SH   SOLE   0 5,000 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   862,766 10,755 SH   SOLE   10,755 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   763,947 13,050 SH   SOLE   13,050 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   622,984 10,390 SH   SOLE   10,390 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   499,378 24,820 SH   SOLE   25,735 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   336,309 6,830 SH   SOLE   6,830 0 0