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
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   21,525,192 948,246 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   19,677,965 760,942 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   9,155,293 434,521 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   12,860,536 376,772 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,093,928 297,271 SH   SOLE   0 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   6,626,197 282,308 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,716,027 200,866 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   6,471,855 188,519 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,489,280 113,446 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,870,198 107,781 SH   SOLE   0 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853   4,585,354 102,078 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,211,055 79,683 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   8,722,038 76,174 SH   SOLE   0 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   3,185,968 64,947 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,295,384 50,150 SH   SOLE   0 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   2,178,604 45,558 SH   SOLE   0 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,655,457 43,145 SH   SOLE   0 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,962,164 37,575 SH   SOLE   0 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   2,389,151 33,447 SH   SOLE   0 0 0
ISHARES INC JP MORGAN EM ETF 464286517   859,327 23,799 SH   SOLE   0 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   4,035,722 21,243 SH   SOLE   0 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,323,968 20,536 SH   SOLE   0 0 0
ISHARES TR CRE U S REIT ETF 464288521   1,016,334 17,734 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,752,461 16,399 SH   SOLE   0 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835   1,172,949 16,311 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885   942,683 14,926 SH   SOLE   0 0 0
DBX ETF TR XTRACK INTL REAL 233051846   221,170 11,176 SH   SOLE   0 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284   284,005 11,103 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   273,153 10,931 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   472,324 8,636 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF 464287804   601,432 5,220 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   387,454 4,350 SH   SOLE   0 0 0
ISHARES TR MRGSTR SM CP ETF 464288505   210,019 3,580 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507   208,058 3,339 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200   676,110 1,149 SH   SOLE   0 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   257,581 975 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   377,167 700 SH   SOLE   0 0 0