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   264,048 541 SH   SOLE 0 0 0 541
VANGUARD EXTENDED MARKET ETF ETF 922908652   235,578 1,294 SH   SOLE 0 0 0 1,294
VANGUARD REIT INDEX ETF ETF 922908553   2,900,731 29,776 SH   SOLE 0 1,168 0 28,606
SPDR S&P 500 ETF TRUST ETF 78462F103   202,019 352 SH   SOLE 0 0 0 352
ISHARES RUSSELL 2000 VALUE ETF 464287630   508,448 3,048 SH   SOLE 0 490 0 2,557
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   203,182 3,945 SH   SOLE 0 0 0 3,945
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,710,291 4,556 SH   SOLE 0 0 0 4,556
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   335,514 5,044 SH   SOLE 0 0 0 5,043
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   630,711 15,338 SH   SOLE 0 0 0 15,338
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   3,109,884 45,835 SH   SOLE 0 0 0 45,834
ISHARES US REAL ESTATE ETF ETF 464287739   2,263,512 22,220 SH   SOLE 0 384 0 21,835
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   3,256,869 31,262 SH   SOLE 0 0 0 31,261
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   1,671,074 14,288 SH   SOLE 0 0 0 14,287
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   909,913 31,183 SH   SOLE 0 0 0 31,182
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,547,380 31,696 SH   SOLE 0 0 0 31,695
VANGUARD S&P 500 ETF ETF 922908363   822,994 1,560 SH   SOLE 0 0 0 1,559
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   617,024 1,083 SH   SOLE 0 0 0 1,083
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,420,678 16,192 SH   SOLE 0 0 0 16,191
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   719,255 9,052 SH   SOLE 0 0 0 9,051
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,837,125 13,891 SH   SOLE 0 1,084 0 12,806
ISHARES RUSSELL 2000 ETF ETF 464287655   956,905 4,332 SH   SOLE 0 0 0 4,332
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   245,576 2,094 SH   SOLE 0 0 0 2,093
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   991,751 13,655 SH   SOLE 0 6,118 0 7,536
ISHARES CORE MSCI EAFE ETF 46432F842   20,968,068 268,649 SH   SOLE 0 7,480 0 261,168
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   7,212,441 125,630 SH   SOLE 0 1,243 0 124,387
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   11,035,107 146,919 SH   SOLE 0 3,252 0 143,666
FIDELITY ENHANCED LARGE CAP CORE ETF ETF 316092113   1,144,861 35,677 SH   SOLE 0 0 0 35,676
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   1,965,858 39,098 SH   SOLE 0 2,164 0 36,934
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   424,423 4,815 SH   SOLE 0 0 0 4,815
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,940,091 21,077 SH   SOLE 0 634 0 20,442
ISHARES S&P 500 VALUE ETF ETF 464287408   11,923,457 60,473 SH   SOLE 0 3,777 0 56,695
ISHARES S&P 500 GROWTH ETF ETF 464287309   10,298,567 107,557 SH   SOLE 0 757 0 106,799
ISHARES S&P 500 INDEX ETF 464287200   14,923,740 25,872 SH   SOLE 0 667 0 25,204
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   1,114,676 27,003 SH   SOLE 0 616 0 26,385
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   6,299,628 119,289 SH   SOLE 0 2,865 0 116,422
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,635,711 33,770 SH   SOLE 0 669 0 33,100
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   9,610,443 104,541 SH   SOLE 0 2,735 0 101,804
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   5,595,462 45,263 SH   SOLE 0 512 0 44,750
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622   270,576 2,767 SH   SOLE 0 0 0 2,766
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,480,786 39,807 SH   SOLE 0 4,134 0 35,672
ISHARES RUSSELL 1000 ETF ETF 464287622   2,637,924 8,391 SH   SOLE 0 0 0 8,390
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,895,059 25,791 SH   SOLE 0 0 0 25,790