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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
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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
ISHARES TR CORE US AGGBD ET 464287226   1,349,397 13,325 SH   SOLE   13,325 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   1,078,983 24,850 SH   SOLE   24,850 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   804,054 14,993 SH   SOLE   14,993 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,269,871 80,853 SH   SOLE   80,853 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   798,154 15,874 SH   SOLE   15,874 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,517,719 31,718 SH   SOLE   31,718 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,333,076 16,785 SH   SOLE   16,785 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,869,535 5,438 SH   SOLE   5,438 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   621,776 2,357 SH   SOLE   2,357 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   385,094 1,623 SH   SOLE   1,623 0 0