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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES INC CORE MSCI EMKT 46434G103   9,931,461 190,185 SH   SOLE   0 0 190,185
ISHARES TR CORE MSCI EAFE 46432F842   7,966,799 113,358 SH   SOLE   0 0 113,358
ISHARES TR 0-5 YR TIPS ETF 46429B747   206,834 2,056 SH   SOLE   0 0 2,056
ISHARES TR FLTG RATE NT ETF 46429B655   952,016 18,711 SH   SOLE   0 0 18,711
ISHARES TR RUS 1000 VAL ETF 464287598   67,671,868 365,537 SH   SOLE   0 0 365,537
ISHARES TR RUS 1000 GRW ETF 464287614   67,191,481 167,318 SH   SOLE   0 0 167,318
ISHARES TR RUS 2000 VAL ETF 464287630   36,434,780 221,933 SH   SOLE   0 0 221,933
ISHARES TR RUS 2000 GRW ETF 464287648   5,723,914 19,887 SH   SOLE   0 0 19,887
ISHARES TR RUS MD CP GR ETF 464287481   56,387,328 444,870 SH   SOLE   0 0 444,870
ISHARES TR RUS MDCP VAL ETF 464287473   86,478,669 668,615 SH   SOLE   0 0 668,615
ISHARES TR 1 3 YR TREAS BD 464287457   787,008 9,600 SH   SOLE   0 0 9,600
ISHARES TR 7-10 YR TRSY BD 464287440   630,786 6,823 SH   SOLE   0 0 6,823
ISHARES TR ISHS 1-5YR INVS 464288646   19,530,454 377,765 SH   SOLE   0 0 377,765
ISHARES TR 3 7 YR TREAS BD 464288661   568,622 4,921 SH   SOLE   0 0 4,921
ISHARES TR ISHS 5-10YR INVT 464288638   398,430 7,735 SH   SOLE   0 0 7,735
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   675,236 27,702 SH   SOLE   0 0 27,702
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   18,931,980 786,865 SH   SOLE   0 0 786,865
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,431,550 100,105 SH   SOLE   0 0 100,105
SCHWAB STRATEGIC TR US TIPS ETF 808524870   43,827,289 1,696,759 SH   SOLE   0 0 1,696,759
SPDR SER TR PORTFOLIO SHORT 78464A474   463,547 15,524 SH   SOLE   0 0 15,524
SPDR SER TR PORTFOLIO SH TSR 78468R101   243,481 8,393 SH   SOLE   0 0 8,393
SPDR SER TR PORTFLI INTRMDIT 78464A672   80,216,479 2,877,205 SH   SOLE   0 0 2,877,205
SPDR SER TR PORTFOLIO LN TSR 78464A664   274,995 10,500 SH   SOLE   0 0 10,500
SPDR SER TR PORTFOLIO INTRMD 78464A375   45,664,326 1,393,905 SH   SOLE   0 0 1,393,905
VANGUARD INDEX FDS VALUE ETF 922908744   125,619,076 741,991 SH   SOLE   0 0 741,991
VANGUARD INDEX FDS SM CP VAL ETF 922908611   75,822,479 382,594 SH   SOLE   0 0 382,594
VANGUARD INDEX FDS GROWTH ETF 922908736   131,058,007 319,311 SH   SOLE   0 0 319,311
VANGUARD INDEX FDS SML CP GRW ETF 922908595   15,433,546 55,108 SH   SOLE   0 0 55,108
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   114,293,568 450,418 SH   SOLE   0 0 450,418
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   158,980,600 982,757 SH   SOLE   0 0 982,757
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   997,836 12,431 SH   SOLE   0 0 12,431
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   333,103 4,270 SH   SOLE   0 0 4,270
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   958,392 16,524 SH   SOLE   0 0 16,524
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   23,540,717 425,307 SH   SOLE   0 0 425,307