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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
Estimated average burden
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
PIMCO ETF TR INV GRD CRP BD 72201R817 2 23 SH   SOLE   0 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 255,328 1,632,219 SH   SOLE   0 0 0
VANGUARD INDEX FDS REIT ETF 922908553 143,026 1,516,713 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 642,279 2,305,796 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 98,255 2,347,799 SH   SOLE   0 0 0
ISHARES TR 1-3 YR TR BD ETF 464287457 190,534 2,242,890 SH   SOLE   0 0 0
ISHARES TR IBOXX INV CP ETF 464287242 192,621 1,508,267 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 286,786 6,763,829 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 23,876 260,652 SH   SOLE   0 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 23,846 472,563 SH   SOLE   0 0 0
ISHARES TR ULTR SH TRM BD 46434V878 23,890 473,732 SH   SOLE   0 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 23,888 237,790 SH   SOLE   0 0 0
ISHARES TR SHORT TREAS BD 464288679 23,887 215,743 SH   SOLE   0 0 0