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 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETFETF78468R7391,21724,552SH SOLE00024,551
VANGUARD REIT INDEX ETFETF9229085534,01343,688SH SOLE02,327041,360
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FDETF4642881582532,348SH SOLE0002,348
SPDR S&P 500 ETFETF78462F103221556SH SOLE000556
ISHARES TR S&P/CITIGROUP INTL TREASURY BD ETFETF46428811796318,546SH SOLE0567017,978
ISHARES RUSSELL 2000 VALUEETF4642876305403,383SH SOLE047902,903
SCHWAB U.S. SMALL-CAP ETFETF8085246072452,455SH SOLE0002,454
ISHARES RUSSELL 1000 GROWTH ETFETF4642876141,5086,206SH SOLE0006,206
SCHWAB U.S. BROAD MARKET ETFETF8085241022322,398SH SOLE0002,398
SCHWAB INTERNATIONAL EQUITY ETFETF80852480563716,943SH SOLE00016,942
SCHWAB U.S. LARGE-CAP ETFETF8085242012,76328,774SH SOLE00028,774
ISHARES US REAL ESTATE ETFETF4642877391,54916,846SH SOLE02,936013,909
SCHWAB U.S. LARGE-CAP GROWTH ETFETF8085243002,76821,331SH SOLE00021,331
ISHARES S&P SMALLCAP 600 ETFETF4642878041,0089,292SH SOLE0009,291
SCHWAB EMERGING MARKETS EQUITY ETFETF80852470639212,341SH SOLE00012,341
SCHWAB U.S. LARGE-CAP VALUE ETFETF8085244092,39936,745SH SOLE00036,745
SPDR S&P MIDCAP 400 ETFETF78467Y1076451,354SH SOLE0001,354
SPDR S&P 400 MID CAP GROWTH ETFETF78464A8211,34417,890SH SOLE00017,889
SPDR S&P 400 MID CAP VALUE ETFETF78464A8396119,341SH SOLE0009,340
ISHARES RUSSELL MIDCAP VALUE INDEXETF4642874731,35112,363SH SOLE01,188011,174
ISHARES RUSSELL 2000 ETFETF4642876551,0244,636SH SOLE0004,636
SCHWAB US AGGREGATE BOND ETFETF8085248392985,532SH SOLE0005,531
ISHARES TRUST CORE MSCI TOTAL INTL STK ETFETF46432F8341,42320,244SH SOLE05,956014,287
ISHARES CORE MSCI EAFEETF46432F84220,396283,084SH SOLE08,4770274,607
ISHARES CORE MSCI EMERGING MKTSETF46434G1038,441131,146SH SOLE07,0190124,126
ISHARES TRUST CORE SHORT-TERM US BD ETFETF46432F8592514,890SH SOLE0004,890
VANGUARD TOTAL INTERNATIONAL BOND ETFETF92203J4074507,881SH SOLE0007,881
ISHARES TR RUSSELL MIDCAP INDEX FDETF4642874995797,831SH SOLE0007,830
ISHARES S&P SMALL-CAP 600 GROWTH ETFETF4642878872,72121,220SH SOLE01,340019,879
FIDELITY MSCI MATERIALS INDEX ETFETF31609288168615,499SH SOLE00015,498
ISHARES S&P 500 VALUE ETFETF4642874089,12464,596SH SOLE06,362058,233
ISHARES S&P 500 GROWTH ETFETF4642873097,673117,846SH SOLE01,4230116,421
ISHARES S&P 500 INDEXETF46428720013,74834,558SH SOLE02,028032,528
SPDR PORTFOLIO EMERGING MARKETS ETFETF78463X5091,07324,511SH SOLE01,482023,028
VANGUARD FTSE DEVELOPED MARKETS ETFETF9219438585,752117,119SH SOLE03,4820113,636
ISHARES AGGREGATE BOND ETFETF4642872261,0879,551SH SOLE060608,944
ISHARES S&P SMALLCAP 600 VALUE ETFETF4642878794,22341,922SH SOLE01,637040,284
ISHARES S&P MID-CAP 400 GROWTH ETFETF4642876069,036115,305SH SOLE08,8270106,478
ISHARES S&P MIDCAP 400 VALUE ETFETF4642877054,89247,998SH SOLE03,321044,677
MFS INVT GRADE MUN TR SH BEN INTCEF59318B10831331,911SH SOLE00031,910
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETFETF4642882812,51623,107SH SOLE03,238019,868
ISHARES CORE S&P MID CAP ETFETF4642875072,5629,842SH SOLE088308,958
ISHARES RUSSELL 1000 ETFETF4642876221,6657,437SH SOLE0007,437
ISHARES RUSSELL 1000 VALUE ETFETF4642875984,13427,280SH SOLE0796026,483