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
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,768 37,076 SH   SOLE 0 0 0 37,076
VANGUARD REIT INDEX ETF ETF 922908553 2,870 35,579 SH   SOLE 0 1,728 0 33,850
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 1,020 9,741 SH   SOLE 0 11 0 9,729
SPDR S&P 500 ETF ETF 78462F103 280 963 SH   SOLE 0 0 0 963
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 620 12,883 SH   SOLE 0 0 0 12,882
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 244 3,208 SH   SOLE 0 0 0 3,207
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 559 3,587 SH   SOLE 0 0 0 3,586
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 557 16,609 SH   SOLE 0 0 0 16,608
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 1,725 24,798 SH   SOLE 0 0 0 24,798
ISHARES US REAL ESTATE ETF ETF 464287739 1,048 13,095 SH   SOLE 0 2,675 0 10,419
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 1,429 17,425 SH   SOLE 0 0 0 17,425
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 673 7,713 SH   SOLE 0 95 0 7,618
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 380 14,790 SH   SOLE 0 0 0 14,790
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,300 23,182 SH   SOLE 0 0 0 23,182
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 418 1,137 SH   SOLE 0 0 0 1,137
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 241 3,532 SH   SOLE 0 0 0 3,531
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 980 17,509 SH   SOLE 0 0 0 17,508
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 337 4,999 SH   SOLE 0 0 0 4,999
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 508 9,452 SH   SOLE 0 0 0 9,451
SCHWAB US AGGREGATE BOND ETF ETF 808524839 686 13,649 SH   SOLE 0 0 0 13,648
RETAIL PPTYS AMER INC CL A REIT 76131V202 122 10,000 SH   SOLE 0 0 0 10,000
ISHARES TR S&P 1500 INDEX FD ETF 464287150 418 6,268 SH   SOLE 0 0 0 6,268
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,480 24,536 SH   SOLE 0 5,988 0 18,547
ISHARES CORE MSCI EAFE ETF 46432F842 22,456 350,442 SH   SOLE 0 12,745 0 337,696
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 7,434 143,569 SH   SOLE 0 7,565 0 136,003
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 256 5,230 SH   SOLE 0 0 0 5,230
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 452 8,287 SH   SOLE 0 0 0 8,287
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 3,221 15,966 SH   SOLE 0 799 0 15,166
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 2,449 72,938 SH   SOLE 0 4,447 0 68,490
ISHARES S&P 500 VALUE ETF ETF 464287408 8,740 75,452 SH   SOLE 0 7,832 0 67,619
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,065 34,230 SH   SOLE 0 563 0 33,667
ISHARES S&P 500 INDEX ETF 464287200 13,225 45,177 SH   SOLE 0 2,733 0 42,443
ISHARES AGGREGATE BOND ETF ETF 464287226 3,737 35,413 SH   SOLE 0 2,345 0 33,068
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 5,645 33,818 SH   SOLE 0 1,888 0 31,929
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 9,539 40,951 SH   SOLE 0 2,615 0 38,335
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 3,578 21,381 SH   SOLE 0 1,556 0 19,823
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,390 11,875 SH   SOLE 0 1,149 0 10,725
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 2,452 19,368 SH   SOLE 0 744 0 18,623