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 231,768 2,400 SH   SOLE   0 0 2,400
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 235,571 4,950 SH   SOLE   0 0 4,950
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 588,976 7,274 SH   SOLE   0 0 7,274
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 3,352,378 52,096 SH   SOLE   0 0 52,096
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 3,700,063 61,678 SH   SOLE   0 0 61,678
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 3,688,413 38,895 SH   SOLE   0 0 38,895
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 2,715,273 36,388 SH   SOLE   0 0 36,388
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 1,012,221 23,155 SH   SOLE   0 0 23,155
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,551,937 27,483 SH   SOLE   0 0 27,483
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,744,599 35,655 SH   SOLE   0 0 35,655
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 319,169 4,631 SH   SOLE   0 0 4,631
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 887,791 8,658 SH   SOLE   0 0 8,658
ISHARES TR NORTH AMERN NAT 464287374 BBG001SJKDG7 2,706,844 65,084 SH   SOLE   0 0 65,084
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 209,804 936 SH   SOLE   0 0 936
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 1,890,448 13,947 SH   SOLE   0 0 13,947
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 932,270 6,060 SH   SOLE   0 0 6,060
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 323,283 6,816 SH   SOLE   0 0 6,816
RESMED INC COM 761152107 BBG001SBGRC2 221,805 1,500 SH   SOLE   0 0 1,500
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,195,564 49,940 SH   SOLE   0 0 49,940
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 309,541 3,425 SH   SOLE   0 0 3,425
SHERWIN WILLIAMS CO COM 824348106 BBG001S5W2F9 365,742 1,434 SH   SOLE   0 0 1,434
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 203,908 2,459 SH   SOLE   0 0 2,459
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 4,548,353 155,128 SH   SOLE   0 0 155,128
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 341,080 4,713 SH   SOLE   0 0 4,713
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 BBG001TC6MF8 1,639,264 6,641 SH   SOLE   0 0 6,641
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 17,984,871 248,719 SH   SOLE   0 0 248,719
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 38,870,267 517,098 SH   SOLE   0 0 517,098
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 534,997 7,667 SH   SOLE   0 0 7,667
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,034,877 13,678 SH   SOLE   0 0 13,678
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,602,079 16,315 SH   SOLE   0 0 16,315
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 241,253 1,276 SH   SOLE   0 0 1,276
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,240,531 5,792 SH   SOLE   0 0 5,792
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,410,925 39,230 SH   SOLE   0 0 39,230
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 8,352,328 213,015 SH   SOLE   0 0 213,015
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 542,576 5,109 SH   SOLE   0 0 5,109
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 949,900 10,194 SH   SOLE   0 0 10,194
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,948,868 40,517 SH   SOLE   0 0 40,517
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 2,293,087 40,124 SH   SOLE   0 0 40,124
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 17,111,216 390,846 SH   SOLE   0 0 390,846
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 3,724,416 64,660 SH   SOLE   0 0 64,660
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 5,163,857 68,714 SH   SOLE   0 0 68,714
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 23,627,336 345,227 SH   SOLE   0 0 345,227
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 17,249,808 258,773 SH   SOLE   0 0 258,773
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 3,587,645 50,219 SH   SOLE   0 0 50,219
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 7,719,278 49,680 SH   SOLE   0 0 49,680
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 24,831,441 567,965 SH   SOLE   0 0 567,965
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 1,106,671 19,257 SH   SOLE   0 0 19,257