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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
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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   1,307,602 13,494 SH   SOLE   13,494 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   2,009,511 6,012 SH   SOLE   6,012 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   1,084,120 25,443 SH   SOLE   25,443 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   780,972 30,235 SH   SOLE   30,235 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,923,776 82,053 SH   SOLE   82,053 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   799,392 16,297 SH   SOLE   16,297 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,430,165 32,474 SH   SOLE   32,474 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,327,662 17,019 SH   SOLE   17,019 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,948,583 5,472 SH   SOLE   5,472 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   625,016 2,366 SH   SOLE   2,366 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   392,704 1,634 SH   SOLE   1,634 0 0