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 BD INDEX FDS TOTAL BND MRKT TOTAL BND MRKT 921937835 7,057 79,053 SH   SOLE   79,053 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 3,784 62,162 SH   SOLE   62,162 0 0
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT TR UNIT 78462F103 1,504 4,879 SH   SOLE   4,879 0 0
ISHARES TR EAFE SML CP ETF EAFE SML CP ETF 464288273 3,185 59,400 SH   SOLE   59,400 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,037 3,347 SH   SOLE   3,347 0 0
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 147 657 SH   SOLE   657 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 730 3,802 SH   SOLE   3,802 0 0
ISHARES RUSSELL MIDCAP VALUE ETF RUS MDCP VAL ETF 464287473 54 710 SH   SOLE   710 0 0
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 140 1,050 SH   SOLE   1,050 0 0
SCHWAB STRATEGIC TR INTL EQUITY ETF INTL EQTY ETF 808524805 17,486 587,750 SH   SOLE   587,750 0 0
VANGUARD SCOTTSDALE FDS VANGUARD RUSSELL VNG RUS1000GRW 92206C680 1,767 8,958 SH   SOLE   8,958 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 2,098 26,718 SH   SOLE   26,718 0 0
VANGUARD INDEX FUNDS S&P 500 ETF USD S&P 500 ETF SHS 922908363 25,252 88,902 SH   SOLE   88,902 0 0
SCHWAB STRATEGIC TR US TIPS ETF US TIPS ETF 808524870 12,997 214,879 SH   SOLE   214,879 0 0
ISHARES TR GLB INFRASTR ETF GLB INFRASTR ETF 464288372 1,388 36,245 SH   SOLE   36,245 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND SHORT TRM BOND 921937827 3,221 38,747 SH   SOLE   38,747 0 0
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 2,383 34,896 SH   SOLE   34,896 0 0
ISHARES TRUST GLOBAL REIT ETF GLOBAL REIT ETF 46434V647 2,593 124,170 SH   SOLE   124,170 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VALUE VIPERS FORMERLY VANGUARD INDEX TR SM CP VAL ETF 922908611 28 258 SH   SOLE   258 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 493 2,773 SH   SOLE   2,773 0 0
SPDR GOLD TR GOLD SHS GOLD SHS 78463V107 300 1,791 SH   SOLE   1,791 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS GROWTH ETF 922908736 731 3,619 SH   SOLE   3,619 0 0
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 630 5,598 SH   SOLE   5,598 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF DIV APP ETF 921908844 240 2,048 SH   SOLE   2,048 0 0
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF FTSE EMR MKT ETF 922042858 5,270 132,574 SH   SOLE   132,574 0 0
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 1,938 11,291 SH   SOLE   11,291 0 0
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF INTL BD IDX ETF 92203J407 3,252 56,323 SH   SOLE   56,323 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP VIPERS FORMERLY VANGUARD INDEX TR SMALL CP ETF 922908751 1,186 8,140 SH   SOLE   8,140 0 0
VANGUARD INDEX FDS VANGUARD MID CAP VIPERS FORMERLY VANGUARD INDEX TR MID CAP ETF 922908629 683 4,165 SH   SOLE   4,165 0 0
VANGUARD INDEX FDS VANGUARD VALUE ETF FORMERLY VANGUARD INDEX TR VALUE ETF 922908744 593 5,952 SH   SOLE   5,952 0 0
RESIDEO TECHNOLOGIES INC COM COM 76118Y104 0 1 SH   SOLE   1 0 0
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 825 17,326 SH   SOLE   17,326 0 0
ISHARES TRUST MSCI EMG MKTS ETF USD DIS MSCI EMG MKT ETF 464287234 747 18,669 SH   SOLE   18,669 0 0
ISHARES TR MSCI KLD400 SOC MSCI KLD400 SOC 464288570 32 274 SH   SOLE   274 0 0
SCHWAB STRATEGIC TR US AGGREGATE BD ETF US AGGREGATE B 808524839 201 4,198 SH   SOLE   4,198 0 0
VANGUARD STAR FD TOTAL INTL STOCK INDEX FD ETF SHS VG TL INTL STK F 921909768 277 5,635 SH   SOLE   5,635 0 0
SCHWAB STRATEGIC TR US REIT ETF US REIT ETF 808524847 59 1,684 SH   SOLE   1,684 0 0
ISHARES GOLD TRUST ISHARES ISIN #US4642851053 SEDOL B0SF3S5 ISHARES 464285105 65 3,836 SH   SOLE   3,836 0 0
VANGUARD BD INDEX FDS INTERMED TERM INTERMED TERM 921937819 208 2,229 SH   SOLE   2,229 0 0
ISHARES TR CRE U S REIT ETF CRE U S REIT ETF 464288521 314 7,211 SH   SOLE   7,211 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 131 835 SH   SOLE   835 0 0
VANGUARD WORLD FDS VANGUARD INFORMATION TECHNOLOGY ETF INF TECH ETF 92204A702 63 227 SH   SOLE   227 0 0
ISHARES TR RUS MID CAP ETF RUS MID CAP ETF 464287499 130 2,421 SH   SOLE   2,421 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 154 740 SH   SOLE   740 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 149 1,373 SH   SOLE   1,373 0 0
SCHWAB STRATEGIC TR INTERMEDIATE-TERM US TREASURY ETF INTRM TRM TRES 808524854 197 3,350 SH   SOLE   3,350 0 0
SCHWAB STRATEGIC TR SHORT-TERM US TREASURY ETF SHT TM US TRES 808524862 723 14,000 SH   SOLE   14,000 0 0
VANGUARD SECTOR INDEX FDS VANGUARD ENERGY VIPERS ENERGY ETF 92204A306 3 58 SH   SOLE   58 0 0
VANGUARD INDEX FDS VANGUARD SMALL CAP GROWTH VIPERS FORMERLY VANGUARD INDEX TR SML CP GRW ETF 922908595 4 20 SH   SOLE   20 0 0
SELECT SECTOR SPDR TR SHS BEN INT MATERIALS SBI MATERIALS 81369Y100 21 376 SH   SOLE   376 0 0
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS TECHNOLOGY 81369Y803 50 478 SH   SOLE   478 0 0
SELECT SECTOR SPDR TR HEALTH CARE FORMERLY CONSUMER SVCS TO 06/24/2002 SBI HEALTHCARE 81369Y209 32 320 SH   SOLE   320 0 0
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 4 25 SH   SOLE   25 0 0
ISHARES RUSSELL MIDCAP GROWTH RUS MD CP GR ETF 464287481 3 19 SH   SOLE   19 0 0
INVESCO QQQ TR UNIT SER 1 UNIT SER 1 46090E106 150 605 SH   SOLE   605 0 0
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 2,392 41,845 SH   SOLE   41,845 0 0
VANGUARD INTL EQUITY INDEX FDS TT WRLD ST ETF TT WRLD ST ETF 922042742 43 575 SH   SOLE   575 0 0
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 95 1,370 SH   SOLE   1,370 0 0