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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   65,832 922,915 SH   SOLE   625,715 297,200 0
ISHARES TR CORE S&P500 ETF 464287200   62,081 173,097 SH   SOLE   142,297 30,800 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   52,968 309,915 SH   SOLE   233,715 76,200 0
ISHARES TR CORE S&P MCP ETF 464287507   44,418 202,581 SH   SOLE   147,681 54,900 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,772 763,811 SH   SOLE   560,811 203,000 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   23,214 289,560 SH   SOLE   208,060 81,500 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   22,678 126,360 SH   SOLE   126,360 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,093 386,211 SH   SOLE   263,211 123,000 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   13,535 154,072 SH   SOLE   92,072 62,000 0
ISHARES TR INTL DEV RE ETF 464288489   5,033 264,322 SH   SOLE   178,322 86,000 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,455 93,330 SH   SOLE   50,580 42,750 0
ISHARES TR CORE US AGGBD ET 464287226   2,014 20,904 SH   SOLE   0 20,904 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,783 39,549 SH   SOLE   39,551 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,193 16,065 SH   SOLE   16,065 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,046 17,288 SH   SOLE   17,288 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,040 5,533 SH   SOLE   0 5,533 0
ISHARES TR RUS 1000 ETF 464287622   987 5,000 SH   SOLE   0 5,000 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   814 10,755 SH   SOLE   10,755 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   754 13,050 SH   SOLE   13,050 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   606 10,390 SH   SOLE   10,390 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   530 25,735 SH   SOLE   25,735 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   207 4,286 SH   SOLE   4,286 0 0