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
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13,242 362,988 SH   SOLE   0 0 362,988
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,382 249,232 SH   SOLE   0 0 249,232
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,950 201,133 SH   SOLE   0 0 201,133
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 20,482 181,242 SH   SOLE   0 0 181,242
SCHWAB STRATEGIC TR US REIT ETF 808524847 9,392 178,253 SH   SOLE   0 0 178,253
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 16,712 163,200 SH   SOLE   0 0 163,200
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,297 153,840 SH   SOLE   0 0 153,840
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,195 133,651 SH   SOLE   0 0 133,651
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 4,637 103,767 SH   SOLE   0 0 103,767
DBX ETF TR XTRACK USD HIGH 233051432 4,061 101,922 SH   SOLE   0 0 101,922
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,659 86,364 SH   SOLE   0 0 86,364
SPDR SER TR PORTFLI HIGH YLD 78468R606 1,654 62,245 SH   SOLE   0 0 62,245
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,342 60,580 SH   SOLE   0 0 60,580
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,001 59,697 SH   SOLE   0 0 59,697
SPDR SER TR PORTFOLI S&P1500 78464A805 2,248 38,466 SH   SOLE   0 0 38,466
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,311 28,732 SH   SOLE   0 0 28,732
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,799 28,610 SH   SOLE   0 0 28,610
ISHARES INC JP MORGAN EM ETF 464286517 965 24,601 SH   SOLE   0 0 24,601
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,272 23,361 SH   SOLE   0 0 23,361
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,948 22,980 SH   SOLE   0 0 22,980
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 971 19,009 SH   SOLE   0 0 19,009
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,548 14,694 SH   SOLE   0 0 14,694
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,137 14,644 SH   SOLE   0 0 14,644
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 394 9,491 SH   SOLE   0 0 9,491
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,094 9,433 SH   SOLE   0 0 9,433
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 582 9,324 SH   SOLE   0 0 9,324
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 318 5,902 SH   SOLE   0 0 5,902
ISHARES TR CORE S&P SCP ETF 464287804 629 5,489 SH   SOLE   0 0 5,489
SPDR SER TR PORTFOLIO S&P400 78464A847 255 5,136 SH   SOLE   0 0 5,136
ISHARES INC CORE MSCI EMKT 46434G103 209 3,497 SH   SOLE   0 0 3,497
ISHARES TR NATIONAL MUN ETF 464288414 333 2,861 SH   SOLE   0 0 2,861
ISHARES TR SHRT NAT MUN ETF 464288158 221 2,058 SH   SOLE   0 0 2,058
ISHARES TR CORE S&P500 ETF 464287200 548 1,149 SH   SOLE   0 0 1,149
VANGUARD INDEX FDS SMALL CPP ETF 922908751 201 891 SH   SOLE   0 0 891
FACEBOOK INC CL A 30303M102 211 626 SH   SOLE   0 0 626