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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
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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
ISHARES INC CORE MSCI EMKT 46434G103   4,571,283 88,591 SH   SOLE   0 0 88,591
ISHARES TR CORE MSCI EAFE 46432F842   7,727,462 104,116 SH   SOLE   0 0 104,116
ISHARES TR FLTG RATE NT ETF 46429B655   846,575 16,580 SH   SOLE   0 0 16,580
ISHARES TR RUS 1000 VAL ETF 464287598   64,615,782 360,760 SH   SOLE   0 0 360,760
ISHARES TR RUS 1000 GRW ETF 464287614   62,811,528 186,357 SH   SOLE   0 0 186,357
ISHARES TR RUS 2000 VAL ETF 464287630   35,741,738 225,060 SH   SOLE   0 0 225,060
ISHARES TR RUS 2000 GRW ETF 464287648   5,645,940 20,849 SH   SOLE   0 0 20,849
ISHARES TR RUS MD CP GR ETF 464287481   52,017,852 455,737 SH   SOLE   0 0 455,737
ISHARES TR RUS MDCP VAL ETF 464287473   85,362,276 681,100 SH   SOLE   0 0 681,100
ISHARES TR 1 3 YR TREAS BD 464287457   292,118 3,572 SH   SOLE   0 0 3,572
ISHARES TR ISHS 1-5YR INVS 464288646   26,827,093 523,149 SH   SOLE   0 0 523,149
ISHARES TR 3 7 YR TREAS BD 464288661   525,893 4,541 SH   SOLE   0 0 4,541
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   22,702,037 470,899 SH   SOLE   0 0 470,899
SCHWAB STRATEGIC TR US TIPS ETF 808524870   38,967,074 747,068 SH   SOLE   0 0 747,068
SPDR SER TR PORTFOLIO SHORT 78464A474   407,581 13,691 SH   SOLE   0 0 13,691
SPDR SER TR PORTFLI INTRMDIT 78464A672   58,303,992 2,068,985 SH   SOLE   0 0 2,068,985
SPDR SER TR PORTFOLIO INTRMD 78464A375   39,836,606 1,218,618 SH   SOLE   0 0 1,218,618
VANGUARD INDEX FDS VALUE ETF 922908744   115,489,889 709,136 SH   SOLE   0 0 709,136
VANGUARD INDEX FDS SM CP VAL ETF 922908611   71,505,617 372,658 SH   SOLE   0 0 372,658
VANGUARD INDEX FDS GROWTH ETF 922908736   117,853,736 342,399 SH   SOLE   0 0 342,399
VANGUARD INDEX FDS SML CP GRW ETF 922908595   14,454,056 55,439 SH   SOLE   0 0 55,439
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   104,313,732 442,401 SH   SOLE   0 0 442,401
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   147,388,895 945,346 SH   SOLE   0 0 945,346
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   288,789 3,587 SH   SOLE   0 0 3,587
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   295,865 3,827 SH   SOLE   0 0 3,827
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   486,258 8,305 SH   SOLE   0 0 8,305
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   15,538,365 262,295 SH   SOLE   0 0 262,295