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   260,685 544 SH   SOLE 0 0 0 544
VANGUARD EXTENDED MARKET ETF ETF 922908652   217,775 1,290 SH   SOLE 0 0 0 1,290
VANGUARD REIT INDEX ETF ETF 922908553   2,533,791 30,251 SH   SOLE 0 1,267 0 28,983
SPDR S&P 500 ETF TRUST ETF 78462F103   202,065 371 SH   SOLE 0 0 0 371
ISHARES RUSSELL 2000 VALUE ETF 464287630   470,053 3,086 SH   SOLE 0 502 0 2,584
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,684,163 4,620 SH   SOLE 0 0 0 4,620
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   315,098 5,012 SH   SOLE 0 0 0 5,011
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   583,804 15,195 SH   SOLE 0 0 0 15,195
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   2,990,489 46,545 SH   SOLE 0 0 0 46,544
ISHARES US REAL ESTATE ETF ETF 464287739   1,993,616 22,722 SH   SOLE 0 381 0 22,340
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   3,257,085 32,300 SH   SOLE 0 0 0 32,299
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   1,425,706 13,367 SH   SOLE 0 0 0 13,366
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   836,701 31,502 SH   SOLE 0 0 0 31,502
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,331,221 31,469 SH   SOLE 0 0 0 31,468
VANGUARD S&P 500 ETF ETF 922908363   850,627 1,701 SH   SOLE 0 0 0 1,700
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   588,200 1,099 SH   SOLE 0 0 0 1,099
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,361,653 16,199 SH   SOLE 0 0 0 16,198
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   657,382 9,013 SH   SOLE 0 0 0 9,012
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,568,654 12,992 SH   SOLE 0 1,080 0 11,911
ISHARES RUSSELL 2000 ETF ETF 464287655   892,174 4,397 SH   SOLE 0 0 0 4,397
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   933,720 13,821 SH   SOLE 0 6,118 0 7,701
ISHARES CORE MSCI EAFE ETF 46432F842   19,316,725 265,924 SH   SOLE 0 7,480 0 258,443
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   6,823,963 127,479 SH   SOLE 0 1,243 0 126,236
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   10,570,109 146,705 SH   SOLE 0 3,243 0 143,461
FIDELITY ENHANCED LARGE CAP CORE ETF ETF 316092113   1,098,853 35,910 SH   SOLE 0 0 0 35,910
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   1,842,999 37,867 SH   SOLE 0 2,235 0 35,631
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   392,814 4,845 SH   SOLE 0 0 0 4,844
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,708,225 21,087 SH   SOLE 0 632 0 20,454
ISHARES S&P 500 VALUE ETF ETF 464287408   10,747,910 59,051 SH   SOLE 0 3,783 0 55,267
ISHARES S&P 500 GROWTH ETF ETF 464287309   9,889,242 106,865 SH   SOLE 0 816 0 106,048
ISHARES S&P 500 INDEX ETF 464287200   14,547,200 26,583 SH   SOLE 0 681 0 25,901
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   817,583 21,704 SH   SOLE 0 616 0 21,086
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,866,221 118,701 SH   SOLE 0 3,117 0 115,584
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,279,119 33,712 SH   SOLE 0 667 0 33,043
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   9,128,177 103,600 SH   SOLE 0 2,774 0 100,825
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   5,157,394 45,456 SH   SOLE 0 513 0 44,941
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622   258,163 2,739 SH   SOLE 0 0 0 2,738
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,322,745 39,691 SH   SOLE 0 4,118 0 35,572
ISHARES RUSSELL 1000 ETF ETF 464287622   2,105,716 7,077 SH   SOLE 0 0 0 7,077
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,471,168 25,627 SH   SOLE 0 0 0 25,627