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   226,198 442 SH   SOLE 0 0 0 442
VANGUARD EXTENDED MARKET ETF ETF 922908652   243,508 1,282 SH   SOLE 0 0 0 1,281
VANGUARD REIT INDEX ETF ETF 922908553   2,646,203 29,706 SH   SOLE 0 1,169 0 28,536
ISHARES RUSSELL 2000 VALUE ETF 464287630   484,306 2,950 SH   SOLE 0 462 0 2,487
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   201,844 7,805 SH   SOLE 0 0 0 7,805
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,803,215 4,490 SH   SOLE 0 0 0 4,490
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   344,682 15,184 SH   SOLE 0 0 0 15,184
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   580,052 31,354 SH   SOLE 0 0 0 31,354
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   3,075,867 132,695 SH   SOLE 0 0 0 132,694
ISHARES US REAL ESTATE ETF ETF 464287739   2,062,265 22,161 SH   SOLE 0 360 0 21,799
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   3,317,619 119,039 SH   SOLE 0 0 0 119,039
ISHARES S&P SMALLCAP 600 ETF ETF 464287804   1,120,796 9,727 SH   SOLE 0 0 0 9,727
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   849,328 31,894 SH   SOLE 0 0 0 31,893
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   2,460,671 94,387 SH   SOLE 0 0 0 94,387
VANGUARD S&P 500 ETF ETF 922908363   843,303 1,565 SH   SOLE 0 0 0 1,565
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   610,162 1,071 SH   SOLE 0 0 0 1,071
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   1,369,883 15,766 SH   SOLE 0 0 0 15,765
SPDR S&P 400 MID CAP VALUE ETF ETF 78464A839   684,401 8,534 SH   SOLE 0 0 0 8,533
ISHARES RUSSELL MIDCAP VALUE INDEX ETF 464287473   1,406,564 10,875 SH   SOLE 0 1,089 0 9,785
ISHARES RUSSELL 2000 ETF ETF 464287655   971,290 4,396 SH   SOLE 0 0 0 4,395
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   265,382 2,094 SH   SOLE 0 0 0 2,093
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834   904,125 13,670 SH   SOLE 0 6,228 0 7,441
ISHARES CORE MSCI EAFE ETF 46432F842   19,003,234 270,393 SH   SOLE 0 7,562 0 262,830
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103   6,603,977 126,465 SH   SOLE 0 1,209 0 125,255
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   10,669,827 148,378 SH   SOLE 0 3,264 0 145,112
FIDELITY ENHANCED LARGE CAP CORE ETF ETF 316092113   1,111,571 33,756 SH   SOLE 0 0 0 33,755
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   2,224,498 45,352 SH   SOLE 0 2,221 0 43,129
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499   420,131 4,753 SH   SOLE 0 0 0 4,752
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,796,387 20,657 SH   SOLE 0 636 0 20,021
ISHARES S&P 500 VALUE ETF ETF 464287408   10,809,181 56,628 SH   SOLE 0 3,737 0 52,890
ISHARES S&P 500 GROWTH ETF ETF 464287309   10,756,928 105,948 SH   SOLE 0 717 0 105,230
ISHARES S&P 500 INDEX ETF 464287200   14,540,472 24,700 SH   SOLE 0 643 0 24,056
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509   600,991 15,663 SH   SOLE 0 616 0 15,046
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   5,779,540 120,860 SH   SOLE 0 2,743 0 118,116
ISHARES S&P SMALLCAP 600 VALUE ETF ETF 464287879   3,494,644 32,176 SH   SOLE 0 626 0 31,549
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   8,972,986 98,680 SH   SOLE 0 2,691 0 95,988
ISHARES S&P MIDCAP 400 VALUE ETF ETF 464287705   5,442,414 43,553 SH   SOLE 0 507 0 43,045
SPDR BLOOMBERG HIGH YIELD BOND ETF ETF 78468R622   267,767 2,805 SH   SOLE 0 0 0 2,804
ISHARES CORE S&P MID CAP ETF ETF 464287507   2,448,326 39,293 SH   SOLE 0 4,051 0 35,241
ISHARES RUSSELL 1000 ETF ETF 464287622   2,684,739 8,334 SH   SOLE 0 0 0 8,333
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,706,565 25,423 SH   SOLE 0 0 0 25,423