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
VANGUARD FTSE ALL WO X-US SC ETF 922042718 245 1,829 SH   SOLE   0 0 1,829
ISHARES RUSSELL 1000 VALUE E ETF 464287598 306 1,820 SH   SOLE   0 0 1,820
VANGUARD TOTAL BOND MARKET ETF 921937835 528 6,228 SH   SOLE   0 0 6,228
SCHWAB US BROAD MARKET ETF ETF 808524102 581 5,138 SH   SOLE   0 0 5,138
SPDR S&P 500 ETF TRUST ETF 78462F103 684 1,441 SH   SOLE   0 0 1,441
ISHARES IBOXX HIGH YLD CORP ETF 464288513 904 10,386 SH   SOLE   0 0 10,386
ISHARES TIPS BOND ETF ETF 464287176 1,365 10,563 SH   SOLE   0 0 10,563
ISHARES NATIONAL MUNI BOND E ETF 464288414 1,459 12,545 SH   SOLE   0 0 12,545
XTRACKERS USD HIGH YIELD COR ETF 233051432 2,330 58,477 SH   SOLE   0 0 58,477
SCHWAB INTL SMALL-CAP EQUITY ETF 808524888 2,549 62,277 SH   SOLE   0 0 62,277
ISHARES CORE S&P SMALL-CAP E ETF 464287804 2,977 26,000 SH   SOLE   0 0 26,000
ISHARES GOLD TRUST ETF 464285204 3,034 87,161 SH   SOLE   0 0 87,161
ISHARES CORE S&P U.S. VALUE ETF 464287663 4,054 53,102 SH   SOLE   0 0 53,102
ISHARES MSCI CANADA ETF ETF 464286509 4,287 111,550 SH   SOLE   0 0 111,550
ISHARES MSCI EAFE SMALL-CAP ETF 464288273 5,063 69,273 SH   SOLE   0 0 69,273
VANGUARD GLBL EX-US REAL EST ETF 922042676 10,363 192,077 SH   SOLE   0 0 192,077
VANGUARD VALUE ETF ETF 922908744 12,300 83,614 SH   SOLE   0 0 83,614
SCHWAB US REIT ETF ETF 808524847 13,436 255,000 SH   SOLE   0 0 255,000
VANGUARD SMALL-CAP ETF ETF 922908751 15,823 70,012 SH   SOLE   0 0 70,012
ISHARES CORE S&P 500 ETF ETF 464287200 20,238 42,428 SH   SOLE   0 0 42,428
JPMORGAN BETABUILDERS CANADA ETF 46641Q225 22,098 328,841 SH   SOLE   0 0 328,841
ISHARES CORE MSCI PACIFIC ET ETF 46434V696 28,116 440,282 SH   SOLE   0 0 440,282
VANGUARD FTSE PACIFIC ETF ETF 922042866 28,619 366,860 SH   SOLE   0 0 366,860
VANGUARD S&P 500 ETF ETF 922908363 28,624 65,567 SH   SOLE   0 0 65,567
VANGUARD SHORT-TERM TREASURY ETF 92206C102 30,295 498,021 SH   SOLE   0 0 498,021
VANGUARD REAL ESTATE ETF ETF 922908553 36,952 318,526 SH   SOLE   0 0 318,526
ISHARES CORE MSCI EUROPE ETF 46434V738 41,989 721,958 SH   SOLE   0 0 721,958
SPDR BBG BARC 1-3 MONTH TBIL ETF 78468R663 53,124 581,031 SH   SOLE   0 0 581,031
VANGUARD FTSE EUROPE ETF ETF 922042874 65,388 958,202 SH   SOLE   0 0 958,202
ISHARES CORE MSCI EMERGING ETF 46434G103 66,153 1,105,134 SH   SOLE   0 0 1,105,134
ISHARES CORE S&P TOTAL U.S. ETF 464287150 70,447 658,502 SH   SOLE   0 0 658,502
VANGUARD FTSE EMERGING MARKE ETF 922042858 75,259 1,521,612 SH   SOLE   0 0 1,521,612
VANGUARD TOTAL STOCK MKT ETF ETF 922908769 161,749 669,935 SH   SOLE   0 0 669,935