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

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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 1,339 27,619 SH   SOLE 0 0 0 27,619
VANGUARD REIT INDEX ETF ETF 922908553 2,652 30,512 SH   SOLE 0 1,465 0 29,046
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD ETF 464288158 636 6,003 SH   SOLE 0 11 0 5,991
SPDR S&P 500 ETF ETF 78462F103 262 929 SH   SOLE 0 0 0 928
ISHARES TIPS BOND ETF ETF 464287176 271 2,400 SH   SOLE 0 0 0 2,400
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETF ETF 464288117 1,522 31,032 SH   SOLE 0 3,365 0 27,667
ISHARES RUSSELL 2000 VALUE ETF 464287630 238 1,986 SH   SOLE 0 0 0 1,986
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 213 3,050 SH   SOLE 0 0 0 3,050
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 1,440 9,512 SH   SOLE 0 0 0 9,511
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,303 41,622 SH   SOLE 0 0 0 41,622
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 2,582 38,186 SH   SOLE 0 0 0 38,185
ISHARES US REAL ESTATE ETF ETF 464287739 1,852 21,277 SH   SOLE 0 2,858 0 18,417
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 2,394 30,144 SH   SOLE 0 0 0 30,144
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 641 8,312 SH   SOLE 0 96 0 8,216
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 667 25,627 SH   SOLE 0 0 0 25,627
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,088 38,150 SH   SOLE 0 0 0 38,149
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 421 1,220 SH   SOLE 0 0 0 1,220
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 218 3,611 SH   SOLE 0 0 0 3,610
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821 1,096 20,859 SH   SOLE 0 0 0 20,859
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201 289 4,834 SH   SOLE 0 0 0 4,834
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839 947 18,803 SH   SOLE 0 0 0 18,803
SCHWAB U.S. REIT ETF ETF 808524847 269 6,044 SH   SOLE 0 0 0 6,043
ISHARES RUSSELL 2000 ETF ETF 464287655 844 5,515 SH   SOLE 0 0 0 5,515
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,351 26,037 SH   SOLE 0 0 0 26,036
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,297 22,342 SH   SOLE 0 6,066 0 16,275
ISHARES CORE MSCI EAFE ETF 46432F842 17,565 289,048 SH   SOLE 0 8,674 0 280,373
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 7,597 146,924 SH   SOLE 0 7,184 0 139,739
ISHARES TRUST CORE SHORT-TERM US BD ETF ETF 46432F859 237 4,762 SH   SOLE 0 0 0 4,761
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 463 8,309 SH   SOLE 0 0 0 8,308
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 665 12,322 SH   SOLE 0 0 0 12,322
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 3,052 17,105 SH   SOLE 0 935 0 16,169
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881 3,955 125,543 SH   SOLE 0 6,037 0 119,505
ISHARES S&P 500 VALUE ETF ETF 464287408 7,920 70,247 SH   SOLE 0 7,935 0 62,311
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,439 37,361 SH   SOLE 0 622 0 36,737
ISHARES S&P 500 INDEX ETF 464287200 13,249 46,559 SH   SOLE 0 2,857 0 43,701
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 799 22,343 SH   SOLE 0 1,175 0 21,167
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 6,393 156,433 SH   SOLE 0 1,489 0 154,944
ISHARES AGGREGATE BOND ETF ETF 464287226 5,339 48,954 SH   SOLE 0 2,792 0 46,161
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879 5,244 35,546 SH   SOLE 0 2,008 0 33,537
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 9,765 44,568 SH   SOLE 0 3,203 0 41,365
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705 4,455 28,382 SH   SOLE 0 2,308 0 26,073
MFS INVT GRADE MUN TR SH BEN INT CEF 59318B108 276 29,350 SH   SOLE 0 0 0 29,350
ISHARES CORE S&P MID CAP ETF ETF 464287507 2,563 13,531 SH   SOLE 0 1,144 0 12,386
ISHARES RUSSELL 1000 ETF ETF 464287622 1,260 8,007 SH   SOLE 0 0 0 8,006
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 4,306 34,867 SH   SOLE 0 758 0 34,108