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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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
ABBVIE INC COM 00287Y109   204,177 1,149 SH   SOLE   0 0 1,149
GOLDMAN SACHS GROUP INC COM 38141G104   306,924 536 SH   SOLE   0 0 536
ISHARES INC MSCI CDA ETF 464286509   5,070,649 125,823 SH   SOLE   0 0 125,823
ISHARES INC CORE MSCI EMKT 46434G103   123,400,406 2,363,087 SH   SOLE   0 0 2,363,087
ISHARES TR CORE S&P500 ETF 464287200   22,430,474 38,103 SH   SOLE   0 0 38,103
ISHARES TR S&P 500 VAL ETF 464287408   998,684 5,232 SH   SOLE   0 0 5,232
ISHARES TR RUSSELL 2000 ETF 464287655   203,504 921 SH   SOLE   0 0 921
ISHARES TR S&P 100 ETF 464287101   566,146 1,960 SH   SOLE   0 0 1,960
ISHARES TR CORE MSCI EURO 46434V738   56,777,441 1,051,824 SH   SOLE   0 0 1,051,824
ISHARES TR RUS 1000 VAL ETF 464287598   293,431 1,585 SH   SOLE   0 0 1,585
ISHARES TR RUS 2000 VAL ETF 464287630   281,716 1,716 SH   SOLE   0 0 1,716
ISHARES TR 0-5 YR TIPS ETF 46429B747   18,085,753 179,779 SH   SOLE   0 0 179,779
ISHARES TR CORE US AGGBD ET 464287226   42,940,959 443,147 SH   SOLE   0 0 443,147
ISHARES TR IBOXX INV CP ETF 464287242   2,946,327 27,577 SH   SOLE   0 0 27,577
ISHARES TR CORE S&P SCP ETF 464287804   2,269,381 19,696 SH   SOLE   0 0 19,696
ISHARES TR RUS MDCP VAL ETF 464287473   329,429 2,547 SH   SOLE   0 0 2,547
ISHARES TR CORE S&P US VLU 464287663   5,472,139 59,101 SH   SOLE   0 0 59,101
ISHARES TR NATIONAL MUN ETF 464288414   14,890,219 139,749 SH   SOLE   0 0 139,749
ISHARES TR CORE S&P TTL STK 464287150   148,917,781 1,157,812 SH   SOLE   0 0 1,157,812
ISHARES TR CORE MSCI PAC 46434V696   41,742,770 683,188 SH   SOLE   0 0 683,188
ISHARES TR TIPS BD ETF 464287176   311,446 2,923 SH   SOLE   0 0 2,923
ISHARES TR EAFE SML CP ETF 464288273   2,356,432 38,789 SH   SOLE   0 0 38,789
ISHARES TR 0-3 MNTH TREASRY 46436E718   116,870,250 1,164,975 SH   SOLE   0 0 1,164,975
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   28,839,900 408,555 SH   SOLE   0 0 408,555
MICROSOFT CORP COM 594918104   287,724 683 SH   SOLE   0 0 683
SCHWAB STRATEGIC TR US TIPS ETF 808524870   96,953,303 3,753,515 SH   SOLE   0 0 3,753,515
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,322,474 128,479 SH   SOLE   0 0 128,479
SCHWAB STRATEGIC TR US REIT ETF 808524847   17,550,146 833,340 SH   SOLE   0 0 833,340
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,973,123 86,922 SH   SOLE   0 0 86,922
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,625,206 141,903 SH   SOLE   0 0 141,903
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   321,678 12,339 SH   SOLE   0 0 12,339
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,092,242 60,945 SH   SOLE   0 0 60,945
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   289,326 12,482 SH   SOLE   0 0 12,482
SELECT SECTOR SPDR TR INDL 81369Y704   461,687 3,504 SH   SOLE   0 0 3,504
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,769,546 11,911 SH   SOLE   0 0 11,911
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,098,642 4,897 SH   SOLE   0 0 4,897
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   953,635 6,932 SH   SOLE   0 0 6,932
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,097,623 22,711 SH   SOLE   0 0 22,711
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   947,479 9,787 SH   SOLE   0 0 9,787
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   239,790 5,896 SH   SOLE   0 0 5,896
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   220,110 2,616 SH   SOLE   0 0 2,616
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   10,283,035 267,997 SH   SOLE   0 0 267,997
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,064,426 1,816 SH   SOLE   0 0 1,816
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,540,565 27,787 SH   SOLE   0 0 27,787
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,960,364 82,886 SH   SOLE   0 0 82,886
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   411,058 2,541 SH   SOLE   0 0 2,541
VANGUARD INDEX FDS SM CP VAL ETF 922908611   553,313 2,792 SH   SOLE   0 0 2,792
VANGUARD INDEX FDS TOTAL STK MKT 922908769   259,858,616 896,652 SH   SOLE   0 0 896,652
VANGUARD INDEX FDS VALUE ETF 922908744   15,429,599 91,138 SH   SOLE   0 0 91,138
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,770,697 143,362 SH   SOLE   0 0 143,362
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   20,489,776 38,028 SH   SOLE   0 0 38,028
VANGUARD INDEX FDS SMALL CP ETF 922908751   25,282,477 105,221 SH   SOLE   0 0 105,221
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   153,279,782 3,480,467 SH   SOLE   0 0 3,480,467
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   97,819,595 1,541,194 SH   SOLE   0 0 1,541,194
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,209,926 55,912 SH   SOLE   0 0 55,912
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   52,999,637 746,053 SH   SOLE   0 0 746,053
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,508,403 229,571 SH   SOLE   0 0 229,571
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   15,481,058 266,089 SH   SOLE   0 0 266,089
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   593,064 12,402 SH   SOLE   0 0 12,402
VANGUARD WORLD FD INF TECH ETF 92204A702   1,238,004 1,991 SH   SOLE   0 0 1,991
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   549,556 1,464 SH   SOLE   0 0 1,464
VANGUARD WORLD FD COMM SRVC ETF 92204A884   324,641 2,095 SH   SOLE   0 0 2,095
VANGUARD WORLD FD CONSUM STP ETF 92204A207   421,492 1,994 SH   SOLE   0 0 1,994
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   541,852 2,130 SH   SOLE   0 0 2,130
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   438,884 1,730 SH   SOLE   0 0 1,730
VANGUARD WORLD FD FINANCIALS ETF 92204A405   870,530 7,373 SH   SOLE   0 0 7,373
VANGUARD WORLD FD ENERGY ETF 92204A306   363,445 2,996 SH   SOLE   0 0 2,996
VANGUARD WORLD FD MATERIALS ETF 92204A801   300,356 1,599 SH   SOLE   0 0 1,599