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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
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 INC CORE MSCI EMKT 46434G103   4,090,943 85,962 SH   SOLE   0 0 85,962
ISHARES TR CORE MSCI EAFE 46432F842   4,662,116 72,449 SH   SOLE   0 0 72,449
ISHARES TR RUS 1000 VAL ETF 464287598   53,790,967 354,308 SH   SOLE   0 0 354,308
ISHARES TR RUS 1000 GRW ETF 464287614   54,705,454 205,667 SH   SOLE   0 0 205,667
ISHARES TR RUS 2000 VAL ETF 464287630   28,596,438 210,966 SH   SOLE   0 0 210,966
ISHARES TR RUS 2000 GRW ETF 464287648   500,089 2,231 SH   SOLE   0 0 2,231
ISHARES TR RUS MD CP GR ETF 464287481   43,311,637 474,128 SH   SOLE   0 0 474,128
ISHARES TR RUS MDCP VAL ETF 464287473   67,579,891 647,689 SH   SOLE   0 0 647,689
ISHARES TR 1 3 YR TREAS BD 464287457   338,212 4,177 SH   SOLE   0 0 4,177
ISHARES TR ISHS 1-5YR INVS 464288646   60,115,358 1,206,409 SH   SOLE   0 0 1,206,409
ISHARES TR 3 7 YR TREAS BD 464288661   250,876 2,217 SH   SOLE   0 0 2,217
ISHARES TR FLTG RATE NT ETF 46429B655   753,681 14,810 SH   SOLE   0 0 14,810
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   37,316,861 779,220 SH   SOLE   0 0 779,220
SCHWAB STRATEGIC TR US TIPS ETF 808524870   37,214,690 737,071 SH   SOLE   0 0 737,071
SPDR SER TR PORTFOLIO SHORT 78464A474   401,420 13,691 SH   SOLE   0 0 13,691
SPDR SER TR PORTFLI INTRMDIT 78464A672   37,286,510 1,354,396 SH   SOLE   0 0 1,354,396
SPDR SER TR PORTFOLIO INTRMD 78464A375   24,559,340 780,901 SH   SOLE   0 0 780,901
VANGUARD INDEX FDS VALUE ETF 922908744   98,136,643 711,496 SH   SOLE   0 0 711,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611   58,418,157 366,281 SH   SOLE   0 0 366,281
VANGUARD INDEX FDS GROWTH ETF 922908736   95,790,489 351,770 SH   SOLE   0 0 351,770
VANGUARD INDEX FDS SML CP GRW ETF 922908595   14,586,729 68,105 SH   SOLE   0 0 68,105
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   83,987,161 431,212 SH   SOLE   0 0 431,212
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   121,909,747 930,893 SH   SOLE   0 0 930,893
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   295,114 3,927 SH   SOLE   0 0 3,927