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
ISHARES TR S&P MC 400VL ETF 464287705 478 2,990 SH   SOLE   0 0 2,990
ISHARES TR S&P MC 400GR ETF 464287606 233 1,043 SH   SOLE   0 0 1,043
ISHARES TR S&P SML 600 GWT 464287887 524 2,940 SH   SOLE   0 0 2,940
ISHARES TR S&P 500 VAL ETF 464287408 1,212 10,175 SH   SOLE   0 0 10,175
ISHARES TR S&P 500 GRWT ETF 464287309 2,695 14,968 SH   SOLE   0 0 14,968
ISHARES TR RUS 1000 GRW ETF 464287614 680 4,258 SH   SOLE   0 0 4,258
ISHARES TR RUS 2000 VAL ETF 464287630 333 2,791 SH   SOLE   0 0 2,791
ISHARES TR RUS 2000 GRW ETF 464287648 215 1,118 SH   SOLE   0 0 1,118
JOHNSON & JOHNSON COM 478160104 281 2,174 SH   SOLE   0 0 2,174
AMERISOURCEBERGEN CORP COM 03073E105 212 2,579 SH   SOLE   0 0 2,579
CHEVRON CORP NEW COM 166764100 1,885 15,896 SH   SOLE   0 0 15,896
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 4,238 69,174 SH   SOLE   0 0 69,174
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 1,159 19,455 SH   SOLE   0 0 19,455
ISHARES TR RUS MD CP GR ETF 464287481 562 3,975 SH   SOLE   0 0 3,975
ISHARES TR RUS MDCP VAL ETF 464287473 621 6,919 SH   SOLE   0 0 6,919
PROCTER & GAMBLE CO COM 742718109 1,983 15,942 SH   SOLE   0 0 15,942
VANGUARD INDEX FDS VALUE ETF 922908744 17,839 159,818 SH   SOLE   0 0 159,818
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,195 63,604 SH   SOLE   0 0 63,604
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,820 30,241 SH   SOLE   0 0 30,241
VANGUARD INDEX FDS GROWTH ETF 922908736 15,797 95,003 SH   SOLE   0 0 95,003
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,310 23,675 SH   SOLE   0 0 23,675
ISHARES TR EAFE GRWTH ETF 464288885 388 4,818 SH   SOLE   0 0 4,818
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 7,745 150,924 SH   SOLE   0 0 150,924
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,776 18,745 SH   SOLE   0 0 18,745
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,334 47,202 SH   SOLE   0 0 47,202
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 5,109 95,097 SH   SOLE   0 0 95,097
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,188 14,072 SH   SOLE   0 0 14,072
ISHARES TR GLB INFRASTR ETF 464288372 1,644 35,374 SH   SOLE   0 0 35,374
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 37,069 457,362 SH   SOLE   0 0 457,362
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,817 81,146 SH   SOLE   0 0 81,146
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,308 164,072 SH   SOLE   0 0 164,072
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 432 8,543 SH   SOLE   0 0 8,543
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,507 76,931 SH   SOLE   0 0 76,931
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 27,393 508,692 SH   SOLE   0 0 508,692