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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR SHRT NAT MUN ETF 464288158 4,576 43,631 SH   SOLE   0 0 43,631
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,122 18,540 SH   SOLE   0 0 18,540
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,187 28,529 SH   SOLE   0 0 28,529
ISHARES TR NATIONAL MUN ETF 464288414 2,195 19,825 SH   SOLE   0 0 19,825
ISHARES TR RUS TOP 200 ETF 464289446 1,427 23,209 SH   SOLE   0 0 23,209
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 54,967 694,909 SH   SOLE   0 0 694,909
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,299 10,599 SH   SOLE   0 0 10,599
WISDOMTREE TR EMG MKTS SMCAP 97717W281 13,388 256,730 SH   SOLE   0 0 256,730
ISHARES TR EAFE SML CP ETF 464288273 11,890 184,346 SH   SOLE   0 0 184,346
FLEXSHARES TR M STAR DEV MKT 33939L803 30,632 442,593 SH   SOLE   0 0 442,593
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 3,536 99,661 SH   SOLE   0 0 99,661
INDEXIQ ETF TR US RL EST SMCP 45409B628 400 15,181 SH   SOLE   0 0 15,181
ISHARES TR 1 3 YR TREAS BD 464287457 32,935 392,781 SH   SOLE   0 0 392,781
VANGUARD INDEX FDS REIT ETF 922908553 632 7,619 SH   SOLE   0 0 7,619
ISHARES TR FLTG RATE NT ETF 46429B655 2,394 47,104 SH   SOLE   0 0 47,104
ISHARES INC CORE MSCI EMKT 46434G103 551 9,683 SH   SOLE   0 0 9,683
VANGUARD INDEX FDS VALUE ETF 922908744 5,102 47,985 SH   SOLE   0 0 47,985
ISHARES TR AGENCY BOND ETF 464288166 646 5,716 SH   SOLE   0 0 5,716
ISHARES TR GRWT ALLOCAT ETF 464289867 1,090 24,261 SH   SOLE   0 0 24,261
ISHARES TR CONSER ALLOC ETF 464289883 716 20,658 SH   SOLE   0 0 20,658
VANGUARD INDEX FDS SMALL CP ETF 922908751 24,383 164,970 SH   SOLE   0 0 164,970
ISHARES TR CORE S&P TTL STK 464287150 2,076 33,958 SH   SOLE   0 0 33,958
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 7,343 87,594 SH   SOLE   0 0 87,594
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,564 18,682 SH   SOLE   0 0 18,682
WISDOMTREE TR US HIGH DIVIDEND 97717W208 695 9,543 SH   SOLE   0 0 9,543
FLEXSHARES TR MSTAR EMKT FAC 33939L308 7,137 119,504 SH   SOLE   0 0 119,504
ISHARES TR CORE US AGGBD ET 464287226 94,114 860,823 SH   SOLE   0 0 860,823
ISHARES TR AGGRES ALLOC ETF 464289859 1,096 20,334 SH   SOLE   0 0 20,334
ISHARES TR IBOXX HI YD ETF 464288513 1,643 18,826 SH   SOLE   0 0 18,826
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,293 22,983 SH   SOLE   0 0 22,983
ISHARES TR MICRO-CAP ETF 464288869 19,181 200,410 SH   SOLE   0 0 200,410
ISHARES TR MSCI EMG MKT ETF 464287234 11,370 241,295 SH   SOLE   0 0 241,295
ISHARES TR CORE MSCI EAFE 46432F842 895 13,537 SH   SOLE   0 0 13,537
ISHARES TR S&P 500 VAL ETF 464287408 42,080 368,347 SH   SOLE   0 0 368,347
WISDOMTREE TR INTL SMCAP DIV 97717W760 51,172 666,302 SH   SOLE   0 0 666,302
ISHARES TR EAFE VALUE ETF 464288877 33,715 610,716 SH   SOLE   0 0 610,716
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,955 101,361 SH   SOLE   0 0 101,361
FLEXSHARES TR MORNSTAR USMKT 33939L100 39,558 353,515 SH   SOLE   0 0 353,515
ISHARES TR MSCI EAFE ETF 464287465 17,509 249,024 SH   SOLE   0 0 249,024
ISHARES TR CORE S&P500 ETF 464287200 21,108 78,514 SH   SOLE   0 0 78,514
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 710 8,297 SH   SOLE   0 0 8,297
ISHARES TR MODERT ALLOC ETF 464289875 907 23,841 SH   SOLE   0 0 23,841
SPDR GOLD TRUST GOLD SHS 78463V107 2,052 16,596 SH   SOLE   0 0 16,596
VANGUARD INDEX FDS SM CP VAL ETF 922908611 41,071 309,320 SH   SOLE   0 0 309,320
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 969 11,090 SH   SOLE   0 0 11,090