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
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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
POWERSHARES QQQ TR ETF 46090E103   251,021 613 SH   SOLE 0 0 0 612
VANGUARD REIT INDEX ETF ETF 922908553   2,721,195 30,797 SH   SOLE 0 1,236 0 29,560
ISHARES RUSSELL 2000 VALUE ETF 464287630   487,185 3,136 SH   SOLE 0 498 0 2,637
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,544,524 5,095 SH   SOLE 0 0 0 5,094
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   278,157 4,997 SH   SOLE 0 0 0 4,996
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   561,878 15,202 SH   SOLE 0 0 0 15,202
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   2,859,681 50,704 SH   SOLE 0 0 0 50,703
ISHARES US REAL ESTATE ETF ETF 464287739   1,792,336 19,608 SH   SOLE 0 378 0 19,229
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   3,125,179 37,671 SH   SOLE 0 0 0 37,670
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   1,242,373 11,477 SH   SOLE 0 0 0 11,476
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   798,667 32,217 SH   SOLE 0 0 0 32,217
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,241,946 31,982 SH   SOLE 0 0 0 31,982
VANGUARD S&P 500 ETF ETF 922908363   742,926 1,701 SH   SOLE 0 0 0 1,700
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   580,437 1,144 SH   SOLE 0 0 0 1,143
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,325,862 17,522 SH   SOLE 0 0 0 17,521
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   648,592 8,839 SH   SOLE 0 0 0 8,838
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,393,056 11,979 SH   SOLE 0 1,152 0 10,826
ISHARES RUSSELL 2000 ETF ETF 464287655   887,937 4,424 SH   SOLE 0 0 0 4,423
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   887,103 13,662 SH   SOLE 0 6,026 0 7,635
ISHARES CORE MSCI EAFE ETF 46432F842   18,659,700 265,241 SH   SOLE 0 7,533 0 257,707
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   6,569,872 129,891 SH   SOLE 0 1,261 0 128,629
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   10,044,664 136,569 SH   SOLE 0 3,229 0 133,339
FIDELITY ENHANCED LARGE CAP CORE ETF ETF 316092113   807,205 30,369 SH   SOLE 0 0 0 30,368
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   1,891,873 38,324 SH   SOLE 0 2,215 0 36,108
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   380,438 4,894 SH   SOLE 0 0 0 4,894
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,701,088 21,585 SH   SOLE 0 637 0 20,947
FIDELITY MSCI MATERIALS INDEX ETF ETF 316092881   227,846 4,675 SH   SOLE 0 0 0 4,674
ISHARES S&P 500 VALUE ETF ETF 464287408   10,140,323 58,315 SH   SOLE 0 3,773 0 54,541
ISHARES S&P 500 GROWTH ETF ETF 464287309   8,084,950 107,656 SH   SOLE 0 971 0 106,683
ISHARES S&P 500 INDEX ETF 464287200   13,371,319 27,995 SH   SOLE 0 714 0 27,280
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   690,379 19,497 SH   SOLE 0 616 0 18,879
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,774,671 120,557 SH   SOLE 0 3,286 0 117,270
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,575,343 34,688 SH   SOLE 0 671 0 34,017
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   8,474,278 106,971 SH   SOLE 0 2,989 0 103,982
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   5,318,476 46,637 SH   SOLE 0 524 0 46,112
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622   253,133 2,672 SH   SOLE 0 0 0 2,672
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,321,012 8,375 SH   SOLE 0 819 0 7,555
ISHARES RUSSELL 1000 ETF ETF 464287622   1,779,995 6,787 SH   SOLE 0 0 0 6,787
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,199,227 25,411 SH   SOLE 0 0 0 25,411