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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 377 204 SH   SOLE   0 0 204
EXXON MOBIL CORP COM 30231G102 303 4,342 SH   SOLE   0 0 4,342
ISHARES INC CORE MSCI EMKT 46434G103 6,543 121,701 SH   SOLE   0 0 121,701
ISHARES TR MSCI EMG MKT ETF 464287234 312 6,946 SH   SOLE   0 0 6,946
ISHARES TR S&P 500 GRWT ETF 464287309 13,286 68,605 SH   SOLE   0 0 68,605
ISHARES TR S&P 500 VAL ETF 464287408 15,310 117,691 SH   SOLE   0 0 117,691
ISHARES TR 20 YR TR BD ETF 464287432 8,155 60,182 SH   SOLE   0 0 60,182
ISHARES TR RUS MD CP GR ETF 464287481 250 1,641 SH   SOLE   0 0 1,641
ISHARES TR RUS MID CAP ETF 464287499 387 6,495 SH   SOLE   0 0 6,495
ISHARES TR CORE S&P MCP ETF 464287507 2,858 13,888 SH   SOLE   0 0 13,888
ISHARES TR RUSSELL 2000 ETF 464287655 500 3,016 SH   SOLE   0 0 3,016
ISHARES TR CORE S&P SCP ETF 464287804 2,704 32,253 SH   SOLE   0 0 32,253
ISHARES TR JPMORGAN USD EMG 464288281 8,891 77,608 SH   SOLE   0 0 77,608
ISHARES TR INTRM TR CRP ETF 464288638 23,422 403,961 SH   SOLE   0 0 403,961
ISHARES TR SH TR CRPORT ETF 464288646 779 14,522 SH   SOLE   0 0 14,522
ISHARES TR MSCI MIN VOL ETF 46429B697 6,166 93,991 SH   SOLE   0 0 93,991
ISHARES TR USA MOMENTUM FCT 46432F396 4,382 34,901 SH   SOLE   0 0 34,901
ISHARES TR CORE MSCI EAFE 46432F842 18,925 290,045 SH   SOLE   0 0 290,045
ISHARES TR CORE MSCI PAC 46434V696 331 5,666 SH   SOLE   0 0 5,666
ISHARES TR CORE MSCI EURO 46434V738 490 9,834 SH   SOLE   0 0 9,834
ISHARES US ETF TR SHT MAT BD ETF 46431W507 6,328 125,924 SH   SOLE   0 0 125,924
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 586 6,307 SH   SOLE   0 0 6,307
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 639 23,332 SH   SOLE   0 0 23,332
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 491 9,196 SH   SOLE   0 0 9,196
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,924 122,256 SH   SOLE   0 0 122,256
SPDR S&P 500 ETF TR TR UNIT 78462F103 215 668 SH   SOLE   0 0 668
SWEDISH EXPT CR CORP ROG TTL ETN 22 870297801 384 71,263 SH   SOLE   0 0 71,263
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 684 7,835 SH   SOLE   0 0 7,835
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 876 10,863 SH   SOLE   0 0 10,863
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 573 6,833 SH   SOLE   0 0 6,833
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 877 7,355 SH   SOLE   0 0 7,355
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 973 6,127 SH   SOLE   0 0 6,127
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 481 5,181 SH   SOLE   0 0 5,181
VANGUARD INDEX FDS SML CP GRW ETF 922908595 944 4,753 SH   SOLE   0 0 4,753
VANGUARD INDEX FDS SM CP VAL ETF 922908611 754 5,504 SH   SOLE   0 0 5,504
VANGUARD INDEX FDS MID CAP ETF 922908629 267 1,500 SH   SOLE   0 0 1,500
VANGUARD INDEX FDS GROWTH ETF 922908736 5,013 27,517 SH   SOLE   0 0 27,517
VANGUARD INDEX FDS VALUE ETF 922908744 5,267 43,945 SH   SOLE   0 0 43,945
VANGUARD INDEX FDS TOTAL STK MKT 922908769 483 2,950 SH   SOLE   0 0 2,950
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 937 21,057 SH   SOLE   0 0 21,057
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,162 16,702 SH   SOLE   0 0 16,702
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,236 21,087 SH   SOLE   0 0 21,087
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 367 3,064 SH   SOLE   0 0 3,064
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 13,447 252,899 SH   SOLE   0 0 252,899
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 534 12,110 SH   SOLE   0 0 12,110