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
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
ISHARES TR CORE S&P SCP ETF 464287804 4,740 61,546 SH   SOLE NONE 0 0 61,546
ISHARES TR SP SMCP600VL ETF 464287879 565 3,744 SH   SOLE NONE 0 0 3,744
ISHARES TR S&P 500 VAL ETF 464287408 972 8,894 SH   SOLE NONE 0 0 8,894
ISHARES TR CORE S&P500 ETF 464287200 5,605 21,120 SH   SOLE NONE 0 0 21,120
ISHARES TR RUSSELL 2000 ETF 464287655 218 1,436 SH   SOLE NONE 0 0 1,436
ISHARES TR U.S. REAL ES ETF 464287739 2,895 38,359 SH   SOLE NONE 0 0 38,359
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 329 962 SH   SOLE NONE 0 0 962
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,284 8,679 SH   SOLE NONE 0 0 8,679
ISHARES TR MSCI EAFE ETF 464287465 342 4,909 SH   SOLE NONE 0 0 4,909
AT&T INC COM 00206R102 254 7,125 SH   SOLE NONE 0 0 7,125
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,232 9,980 SH   SOLE NONE 0 0 9,980
GILEAD SCIENCES INC COM 375558103 246 3,267 SH   SOLE NONE 0 0 3,267
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,391 10,251 SH   SOLE NONE 0 0 10,251
APPLE INC COM 037833100 1,475 8,793 SH   SOLE NONE 0 0 8,793
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,128 45,290 SH   SOLE NONE 0 0 45,290
ISHARES TR CORE US AGGBD ET 464287226 12,610 117,577 SH   SOLE NONE 0 0 117,577
ISHARES TR TIPS BD ETF 464287176 4,070 35,998 SH   SOLE NONE 0 0 35,998
ALPHABET INC CAP STK CL A 02079K305 360 347 SH   SOLE NONE 0 0 347
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 553 7,332 SH   SOLE NONE 0 0 7,332
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,028 6,998 SH   SOLE NONE 0 0 6,998
8X8 INC NEW COM 282914100 406 21,760 SH   SOLE NONE 0 0 21,760
DOLBY LABORATORIES INC COM 25659T107 549 8,634 SH   SOLE NONE 0 0 8,634
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,193 9,846 SH   SOLE NONE 0 0 9,846
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 6,431 160,702 SH   SOLE NONE 0 0 160,702
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 321 5,902 SH   SOLE NONE 0 0 5,902
ISHARES TR 1 3 YR CR BD ETF 464288646 865 8,329 SH   SOLE NONE 0 0 8,329
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 284 3,557 SH   SOLE NONE 0 0 3,557
ISHARES TR INTL SEL DIV ETF 464288448 469 14,208 SH   SOLE NONE 0 0 14,208
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 858 19,396 SH   SOLE NONE 0 0 19,396
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 15,956 133,817 SH   SOLE NONE 0 0 133,817
POWERSHARES ETF TR II SOVEREIGN DEBT 73936T573 9,721 344,837 SH   SOLE NONE 0 0 344,837
ISHARES TR JPMORGAN USD EMG 464288281 6,280 55,668 SH   SOLE NONE 0 0 55,668
ISHARES TR INTL DEV RE ETF 464288489 503 16,925 SH   SOLE NONE 0 0 16,925
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 526 8,240 SH   SOLE NONE 0 0 8,240
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,182 242,718 SH   SOLE NONE 0 0 242,718
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 20,697 328,112 SH   SOLE NONE 0 0 328,112
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 44,753 570,611 SH   SOLE NONE 0 0 570,611
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,678 168,929 SH   SOLE NONE 0 0 168,929
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,462 27,659 SH   SOLE NONE 0 0 27,659
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 402 11,008 SH   SOLE NONE 0 0 11,008
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,714 373,320 SH   SOLE NONE 0 0 373,320
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,472 117,931 SH   SOLE NONE 0 0 117,931
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,625 199,349 SH   SOLE NONE 0 0 199,349
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 23,181 1,002,198 SH   SOLE NONE 0 0 1,002,198
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 17,475 342,506 SH   SOLE NONE 0 0 342,506
SPLUNK INC COM 848637104 1,031 10,480 SH   SOLE NONE 0 0 10,480
WORKDAY INC CL A 98138H101 249 1,955 SH   SOLE NONE 0 0 1,955
ISHARES INC CORE MSCI EMKT 46434G103 4,760 81,502 SH   SOLE NONE 0 0 81,502
ISHARES TR CORE MSCI EAFE 46432F842 2,952 44,810 SH   SOLE NONE 0 0 44,810
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 9,414 172,002 SH   SOLE NONE 0 0 172,002
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,084 36,158 SH   SOLE NONE 0 0 36,158
ALPHABET INC CAP STK CL C 02079K107 355 344 SH   SOLE NONE 0 0 344
ISHARES TR CORE TOTAL USD 46434V613 465 9,307 SH   SOLE NONE 0 0 9,307