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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 INC FRONTIER AND SEL 464286145   824,900 31,365 SH   SOLE   31,365 0 0
ISHARES TR CORE S&P MCP ETF 464287507   28,288,695 102,070 SH   SOLE   102,070 0 0
ISHARES TR CORE MSCI EAFE 46432F842   5,327,631 75,730 SH   SOLE   75,730 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,753,213 34,672 SH   SOLE   34,672 0 0
ISHARES TR MICRO-CAP ETF 464288869   846,250 7,293 SH   SOLE   7,293 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,781,773 69,181 SH   SOLE   69,181 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,927,095 38,847 SH   SOLE   38,847 0 0
ISHARES TR EAFE GRWTH ETF 464288885   353,619 3,651 SH   SOLE   3,651 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   565,731 2,819 SH   SOLE   2,819 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   699,030 17,450 SH   SOLE   17,450 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   494,552 15,572 SH   SOLE   15,572 0 0
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   307,320 7,878 SH   SOLE   7,878 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   69,133,386 145,449 SH   SOLE   145,449 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   617,903 1,218 SH   SOLE   1,218 0 0
SPDR SER TR DJ REIT ETF 78464A607   474,202 4,975 SH   SOLE   4,975 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201   346,432 4,142 SH   SOLE   4,142 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   844,904 2,718 SH   SOLE   2,718 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   893,574 5,977 SH   SOLE   5,977 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,029,410 24,170 SH   SOLE   24,170 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   232,060 2,256 SH   SOLE   2,256 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   10,646,785 137,609 SH   SOLE   137,609 0 0