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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 368,306,256 1,781,926 SH   SOLE   0 0 1,781,926
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US ETF 922042775 165,985,858 2,735,429 SH   SOLE   0 0 2,735,429
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 46,922,274 182,549 SH   SOLE   0 0 182,549
VANGUARD INDEX FDS VALUE ETF ETF 922908744 37,001,698 281,467 SH   SOLE   0 0 281,467
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 34,078,148 205,773 SH   SOLE   0 0 205,773
VANGUARD INDEX FDS MCAP VL IDXVIP ETF 922908512 27,510,374 203,977 SH   SOLE   0 0 203,977
ISHARES TR CORE S&P500 ETF ETF 464287200 8,132,487 20,443 SH   SOLE   0 0 20,443
ISHARES TR CORE MSCI EAFE ETF 46432F842 6,952,974 96,502 SH   SOLE   0 0 96,502
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF 92206C409 6,157,835 74,640 SH   SOLE   0 0 74,640
ISHARES TR CORE TOTAL USD ETF 46434V613 4,968,683 94,193 SH   SOLE   0 0 94,193
ISHARES TR CORE S&P TTL STK ETF 464287150 4,494,744 49,069 SH   SOLE   0 0 49,069
SCHWAB STRATEGIC TR US LCAP VA ETF ETF 808524409 3,522,835 53,965 SH   SOLE   0 0 53,965
VANGUARD INDEX FDS S&P 500 ETF SHS ETF 922908363 3,191,719 8,761 SH   SOLE   0 0 8,761
ISHARES TR NATIONAL MUN ETF ETF 464288414 2,849,258 24,552 SH   SOLE   0 0 24,552
ISHARES TR CORE MSCI TOTAL ETF 46432F834 2,835,790 40,350 SH   SOLE   0 0 40,350
SCHWAB STRATEGIC TR US LCAP GR ETF ETF 808524300 2,785,209 21,461 SH   SOLE   0 0 21,461
SPDR INDEX SHS FDS GLB NAT RESRCE ETF 78463X541 2,692,446 53,570 SH   SOLE   0 0 53,570
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 2,441,486 11,030 SH   SOLE   0 0 11,030
ISHARES TR CORE S&P US VLU ETF 464287663 1,800,329 26,130 SH   SOLE   0 0 26,130
ISHARES INC CORE MSCI EMKT ETF 46434G103 1,776,775 27,607 SH   SOLE   0 0 27,607
VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF 92206C870 1,772,376 19,052 SH   SOLE   0 0 19,052
VANGUARD BD INDEX FDS INTERMED TERM ETF 921937819 1,689,235 19,038 SH   SOLE   0 0 19,038
VANGUARD BD INDEX FDS TOTAL BND MRKT ETF 921937835 1,407,453 16,613 SH   SOLE   0 0 16,613
ISHARES TR CORE S&P MCP ETF ETF 464287507 1,385,639 5,324 SH   SOLE   0 0 5,324
ISHARES TR RUSSELL 2000 ETF ETF 464287655 1,167,211 5,283 SH   SOLE   0 0 5,283
VANGUARD INDEX FDS SMALL CP ETF ETF 922908751 1,098,853 5,133 SH   SOLE   0 0 5,133
ISHARES TR CORE S&P SCP ETF ETF 464287804 1,089,703 10,041 SH   SOLE   0 0 10,041
ISHARES TR RUS 1000 ETF ETF 464287622 965,155 4,312 SH   SOLE   0 0 4,312
VANGUARD INDEX FDS SML CP GRW ETF ETF 922908595 960,176 3,496 SH   SOLE   0 0 3,496
VANGUARD INTL EQUITY INDEXF FTSE EMR MKT ETF ETF 922042858 937,517 18,012 SH   SOLE   0 0 18,012
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 864,198 2,173 SH   SOLE   0 0 2,173
JPMORGAN CHASE & CO COM Common Stock 46625H100 813,365 5,343 SH   SOLE   0 0 5,343
ISHARES TR 0-5YR INVT GR CP ETF 46434V100 807,603 15,597 SH   SOLE   0 0 15,597
ISHARES TR CORE US AGGBD ET ETF 464287226 803,159 7,056 SH   SOLE   0 0 7,056
APPLE INC COM Common Stock 037833100 750,846 6,147 SH   SOLE   0 0 6,147
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF ETF 921943858 724,422 14,751 SH   SOLE   0 0 14,751
SCHWAB STRATEGIC TR US MID-CAP ETF ETF 808524508 649,868 8,731 SH   SOLE   0 0 8,731
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 491,770 5,121 SH   SOLE   0 0 5,121
VANGUARD STAR FDS VG TL INTL STK F ETF 921909768 455,889 7,271 SH   SOLE   0 0 7,271
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF ETF 922042718 448,716 3,495 SH   SOLE   0 0 3,495
SPDR SER TR S&P DIVID ETF ETF 78464A763 446,942 3,787 SH   SOLE   0 0 3,787
MICROSOFT CORP COM Common Stock 594918104 445,841 1,891 SH   SOLE   0 0 1,891
ISHARES TR TIPS BD ETF ETF 464287176 374,170 2,981 SH   SOLE   0 0 2,981
ISHARES TR RUS 2000 GRW ETF ETF 464287648 336,829 1,120 SH   SOLE   0 0 1,120
VANGUARD CHARLOTTE FDS INTL BD IDX ETF ETF 92203J407 324,556 5,682 SH   SOLE   0 0 5,682
ISHARES TR RUS 2000 VAL ETF ETF 97717W760 321,483 4,451 SH   SOLE   0 0 4,451
VANGUARD WHITEHALL FDS HIGH DIV YLD ETF 921946406 314,828 3,114 SH   SOLE   0 0 3,114
SCHWAB STRATEGIC TR US SML CAP ETF ETF 808524607 313,211 3,142 SH   SOLE   0 0 3,142
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP ETF 464287630 296,873 1,862 SH   SOLE   0 0 1,862
ISHARES TR EAFE SML CP ETF ETF 464288273 294,271 4,096 SH   SOLE   0 0 4,096
ISHARES TR MSCI USA MIN VOL ETF 46429B697 277,838 4,016 SH   SOLE   0 0 4,016
AMAZON COM INC COM Common Stock 023135106 250,620 81 SH   SOLE   0 0 81
VANGUARD WORLD FD MEGA GRWTH IND ETF 921910816 228,827 1,105 SH   SOLE   0 0 1,105
DBX ETF TR XTRACK USD HIGH ETF 233051432 202,410 4,049 SH   SOLE   0 0 4,049
ISHARES TR S&P 500 VAL ETF ETF 464287408 202,321 1,432 SH   SOLE   0 0 1,432
NUVEEN QUALITY MUNCP INCOME Common Stock 67066V101 175,386 11,539 SH   SOLE   0 0 11,539