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
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 209,136 2,400 SH   SOLE   0 0 2,400
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 637,397 7,758 SH   SOLE   0 0 7,758
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 3,509,759 52,502 SH   SOLE   0 0 52,502
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 5,850,496 94,439 SH   SOLE   0 0 94,439
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 4,916,793 55,388 SH   SOLE   0 0 55,388
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 2,790,950 37,828 SH   SOLE   0 0 37,828
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 562,615 12,191 SH   SOLE   0 0 12,191
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,811,693 30,444 SH   SOLE   0 0 30,444
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,782,313 36,726 SH   SOLE   0 0 36,726
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,206,861 49,637 SH   SOLE   0 0 49,637
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 410,811 5,744 SH   SOLE   0 0 5,744
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 868,708 8,063 SH   SOLE   0 0 8,063
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 2,612,130 66,687 SH   SOLE   0 0 66,687
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 212,304 936 SH   SOLE   0 0 936
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,983,296 14,475 SH   SOLE   0 0 14,475
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 965,649 6,363 SH   SOLE   0 0 6,363
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 301,350 6,888 SH   SOLE   0 0 6,888
RESMED INC COM 761152107 BBG001SBGRC2 328,485 1,500 SH   SOLE   0 0 1,500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,273,005 51,917 SH   SOLE   0 0 51,917
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 355,134 4,288 SH   SOLE   0 0 4,288
SHERWIN WILLIAMS CO COM 824348106 BBG001S5W2F9 322,320 1,434 SH   SOLE   0 0 1,434
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 5,348,867 180,522 SH   SOLE   0 0 180,522
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 359,036 4,713 SH   SOLE   0 0 4,713
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 BBG001TC6MF8 1,728,370 7,499 SH   SOLE   0 0 7,499
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 18,564,404 241,913 SH   SOLE   0 0 241,913
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 40,697,586 532,064 SH   SOLE   0 0 532,064
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 497,161 6,734 SH   SOLE   0 0 6,734
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,308,627 15,759 SH   SOLE   0 0 15,759
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,662,088 16,768 SH   SOLE   0 0 16,768
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 285,667 1,507 SH   SOLE   0 0 1,507
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,291,968 5,970 SH   SOLE   0 0 5,970
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,636,476 40,812 SH   SOLE   0 0 40,812
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 9,133,157 226,068 SH   SOLE   0 0 226,068
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 495,513 4,536 SH   SOLE   0 0 4,536
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 842,040 9,144 SH   SOLE   0 0 9,144
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,185,602 62,882 SH   SOLE   0 0 62,882
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 2,764,396 46,104 SH   SOLE   0 0 46,104
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 19,552,420 420,031 SH   SOLE   0 0 420,031
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 427,986 7,311 SH   SOLE   0 0 7,311
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,985,260 91,634 SH   SOLE   0 0 91,634
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 22,301,863 354,617 SH   SOLE   0 0 354,617
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 18,353,776 274,716 SH   SOLE   0 0 274,716
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 3,583,601 49,717 SH   SOLE   0 0 49,717
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 7,949,842 51,619 SH   SOLE   0 0 51,619
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 25,171,717 557,266 SH   SOLE   0 0 557,266
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 1,306,340 21,437 SH   SOLE   0 0 21,437