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
iShares Tr iShares Core S&P 500 ETF 464287200   250,789,717 334,882 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab US Large-Cap Growth ETF 808524300   45,325,783 1,339,414 PRN   SOLE   0 0 0
iShares Tr iShares Core S&P Mid-Cap ETF 464287507   32,911,051 426,807 PRN   SOLE   0 0 0
iShares Tr iShares Core S&P Small-Cap ETF 464287804   14,374,942 96,925 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab US Broad Market ETF 808524102   12,885,079 444,927 PRN   SOLE   0 0 0
Vanguard Index FDS Vanguard Value ETF 922908744   11,375,374 52,197 PRN   SOLE   0 0 0
Vanguard Intl Equity Index F Vanguard Total World Stock ETF 922042742   9,684,086 61,702 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab International Equity ETF 808524805   9,507,386 343,227 PRN   SOLE   0 0 0
iShares Tr iShares Core International Aggt Bd ETF 46435G672   8,898,358 175,857 PRN   SOLE   0 0 0
iShares Tr iShares Core US Aggregate Bond ETF 464287226   4,250,988 42,948 PRN   SOLE   0 0 0
Vanguard Intl Equity Index F Vanguard FTSE Emerging Markets ETF 922042858   4,017,576 67,307 PRN   SOLE   0 0 0
Vanguard Index FDS Vanguard Small-Cap Growth ETF 922908595   2,742,501 7,499 PRN   SOLE   0 0 0
Vanguard Index FDS Vanguard Small-Cap Value ETF 922908611   2,642,915 10,877 PRN   SOLE   0 0 0
iShares Tr iShares Broad USD High Yield Corp Bd ETF 46435U853   1,186,582 32,052 PRN   SOLE   0 0 0
SPDR State Street SPDR S&P 600 Sm Cp GrETF 78464A201   1,057,675 8,878 PRN   SOLE   0 0 0
SPDR State Street SPDR S&P 600 Sm CpValETF 78464A300   943,649 8,649 PRN   SOLE   0 0 0
iShares Tr iShares TIPS Bond ETF 464287176   5,225,134 4,775 PRN   SOLE   0 0 0
iShares Tr iShares 01 Year Treasury Bond ETF 464288679   141 1 PRN   SOLE   0 0 0
Vanguard Index FDS Vanguard Short-Term Treasury ETF 92206C102   138 2 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab Short-Term US Treasury ETF 808524862   134 6 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab US Aggregate Bond ETF 808524839   56 2 PRN   SOLE   0 0 0
VanEck VanEck Fallen Angel HiYld Bd ETF 92189F437   22 1 PRN   SOLE   0 0 0
SPDR State Street SPDR St Corp Bd ETF 78464A474   8 0 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab Intermediate-Term US Trs ETF 808524854   7 0 PRN   SOLE   0 0 0
Schwab Strategic Tr Schwab US REIT ETF 808524847   5 0 PRN   SOLE   0 0 0
Vanguard Index FDS Vanguard Mid-Cap ETF 922908629   4 0 PRN   SOLE   0 0 0