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
Estimated average burden
hours per response: 23.8
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
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 55,871 712,280 SH   SOLE   0 0 712,280
ISHARES TR SHRT NAT MUN ETF 464288158 4,727 45,074 SH   SOLE   0 0 45,074
ISHARES TR RUS TOP 200 ETF 464289446 1,384 22,778 SH   SOLE   0 0 22,778
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,159 30,289 SH   SOLE   0 0 30,289
ISHARES TR NATIONAL MUN ETF 464288414 2,235 20,520 SH   SOLE   0 0 20,520
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,017 16,690 SH   SOLE   0 0 16,690
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,257 10,369 SH   SOLE   0 0 10,369
WISDOMTREE TR EMG MKTS SMCAP 97717W281 13,215 244,543 SH   SOLE   0 0 244,543
ISHARES TR EAFE SML CP ETF 464288273 11,689 179,314 SH   SOLE   0 0 179,314
FLEXSHARES TR M STAR DEV MKT 33939L803 28,784 424,849 SH   SOLE   0 0 424,849
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 174 3,409 SH   SOLE   0 0 3,409
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 3,268 92,350 SH   SOLE   0 0 92,350
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 137 2,142 SH   SOLE   0 0 2,142
INDEXIQ ETF TR US RL EST SMCP 45409B628 388 16,376 SH   SOLE   0 0 16,376
ISHARES TR 1 3 YR TREAS BD 464287457 34,192 409,189 SH   SOLE   0 0 409,189
ISHARES TR FLTG RATE NT ETF 46429B655 2,464 48,388 SH   SOLE   0 0 48,388
VANGUARD INDEX FDS VALUE ETF 922908744 4,908 47,567 SH   SOLE   0 0 47,567
ISHARES INC CORE MSCI EMKT 46434G103 547 9,372 SH   SOLE   0 0 9,372
ISHARES TR AGENCY BOND ETF 464288166 636 5,680 SH   SOLE   0 0 5,680
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 618 8,189 SH   SOLE   0 0 8,189
ISHARES TR CONSER ALLOC ETF 464289883 668 19,505 SH   SOLE   0 0 19,505
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 78 628 SH   SOLE   0 0 628
ISHARES TR GRWT ALLOCAT ETF 464289867 1,101 24,700 SH   SOLE   0 0 24,700
ISHARES TR CORE S&P TTL STK 464287150 1,823 30,153 SH   SOLE   0 0 30,153
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 7,185 87,869 SH   SOLE   0 0 87,869
VANGUARD INDEX FDS SMALL CP ETF 922908751 24,116 164,144 SH   SOLE   0 0 164,144
ISHARES TR CORE US AGGBD ET 464287226 95,698 892,289 SH   SOLE   0 0 892,289
WISDOMTREE TR US HIGH DIVIDEND 97717W208 667 9,799 SH   SOLE   0 0 9,799
ISHARES TR IBOXX HI YD ETF 464288513 1,644 19,196 SH   SOLE   0 0 19,196
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,571 18,945 SH   SOLE   0 0 18,945
ISHARES TR AGGRES ALLOC ETF 464289859 1,070 19,997 SH   SOLE   0 0 19,997
FLEXSHARES TR MSTAR EMKT FAC 33939L308 6,772 111,223 SH   SOLE   0 0 111,223
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,298 23,270 SH   SOLE   0 0 23,270
ISHARES TR MICRO-CAP ETF 464288869 19,178 199,668 SH   SOLE   0 0 199,668
ISHARES TR MSCI EMG MKT ETF 464287234 11,329 234,650 SH   SOLE   0 0 234,650
ISHARES TR S&P 500 VAL ETF 464287408 40,130 367,018 SH   SOLE   0 0 367,018
ISHARES TR 3YRTB ETF 464288125 38 440 SH   SOLE   0 0 440
ISHARES TR CORE MSCI EAFE 46432F842 876 13,293 SH   SOLE   0 0 13,293
ISHARES TR MSCI ACWI ETF 464288257 71 992 SH   SOLE   0 0 992
WISDOMTREE TR INTL SMCAP DIV 97717W760 49,595 648,888 SH   SOLE   0 0 648,888
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20 454 SH   SOLE   0 0 454
ISHARES TR MSCI EAFE ETF 464287465 17,058 244,798 SH   SOLE   0 0 244,798
ISHARES TR EAFE VALUE ETF 464288877 32,909 603,275 SH   SOLE   0 0 603,275
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,896 105,809 SH   SOLE   0 0 105,809
FLEXSHARES TR MORNSTAR USMKT 33939L100 37,832 344,805 SH   SOLE   0 0 344,805
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 686 8,320 SH   SOLE   0 0 8,320
ISHARES TR MODERT ALLOC ETF 464289875 832 22,018 SH   SOLE   0 0 22,018
ISHARES TR CORE S&P500 ETF 464287200 20,932 78,879 SH   SOLE   0 0 78,879
VANGUARD INDEX FDS SM CP VAL ETF 922908611 40,062 309,549 SH   SOLE   0 0 309,549
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 986 11,617 SH   SOLE   0 0 11,617
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 88 1,667 SH   SOLE   0 0 1,667
SPDR GOLD TRUST GOLD SHS 78463V107 2,068 16,439 SH   SOLE   0 0 16,439