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
Vanguard Ttl Stk ETF 922908769   105,966,806 446,703 SH   SOLE 0 446,703 0 0
iShs Brclys 7-10Tsy ETF 464287440   40,104,707 416,067 SH   SOLE 0 416,067 0 0
Schwab Inter Tsy ETF 808524854   18,794,989 378,017 SH   SOLE 0 378,017 0 0
Vanguard FTSE All ETF 922042775   12,373,537 220,405 SH   SOLE 0 220,405 0 0
Schwb US Broad ETF 808524102   9,061,317 162,768 SH   SOLE 0 162,768 0 0
Vanguard Tx Ex Bd ETF 922907746   5,099,640 99,895 SH   SOLE 0 99,895 0 0
iShs Lehman 1-3Tsy ETF 464287457   4,263,373 51,967 SH   SOLE 0 51,967 0 0
SPDR Brcy1-3 Ser ETF 78468R663   3,639,607 39,825 SH   SOLE 0 39,825 0 0
Schwab Intl Eqty ETF 808524805   3,174,370 85,887 SH   SOLE 0 85,887 0 0
Vanguard Bd ETF 921937835   1,769,842 24,063 SH   SOLE 0 24,063 0 0
Apple COM 037833100   966,519 5,020 SH   SOLE 0 5,020 0 0
SPDR 3-12 Tsy ETF 78468R523   883,274 8,911 SH   SOLE 0 8,911 0 0
SPDR S&P 500 ETF 78462F103   584,541 1,230 SH   SOLE 0 1,230 0 0
Vanguard S&P 500 ETF 922908363   470,045 1,076 SH   SOLE 0 1,076 0 0
Microsoft COM 594918104   441,847 1,175 SH   SOLE 0 1,175 0 0
iShs S&P 500 ETF 464287200   265,085 555 SH   SOLE 0 555 0 0