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
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 54,454 697,855 SH   SOLE   0 0 697,855
ISHARES TR NATIONAL MUN ETF 464288414 2,329 21,573 SH   SOLE   0 0 21,573
ISHARES TR SHRT NAT MUN ETF 464288158 4,988 47,632 SH   SOLE   0 0 47,632
ISHARES TR RUS TOP 200 ETF 464289446 1,394 20,635 SH   SOLE   0 0 20,635
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 943 16,796 SH   SOLE   0 0 16,796
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,252 30,007 SH   SOLE   0 0 30,007
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,260 9,441 SH   SOLE   0 0 9,441
WISDOMTREE TR EMG MKTS SMCAP 97717W281 11,262 246,707 SH   SOLE   0 0 246,707
ISHARES TR EAFE SML CP ETF 464288273 10,862 174,402 SH   SOLE   0 0 174,402
FLEXSHARES TR M STAR DEV MKT 33939L803 28,782 441,405 SH   SOLE   0 0 441,405
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 3,217 93,614 SH   SOLE   0 0 93,614
ISHARES TR 1 3 YR TREAS BD 464287457 33,739 406,054 SH   SOLE   0 0 406,054
INDEXIQ ETF TR US RL EST SMCP 45409B628 407 15,658 SH   SOLE   0 0 15,658
VANGUARD INDEX FDS VALUE ETF 922908744 5,075 45,852 SH   SOLE   0 0 45,852
ISHARES INC CORE MSCI EMKT 46434G103 491 9,477 SH   SOLE   0 0 9,477
ISHARES TR AGENCY BOND ETF 464288166 586 5,292 SH   SOLE   0 0 5,292
ISHARES TR FLTG RATE NT ETF 46429B655 2,463 48,267 SH   SOLE   0 0 48,267
ISHARES TR CONSER ALLOC ETF 464289883 664 19,424 SH   SOLE   0 0 19,424
ISHARES TR GRWT ALLOCAT ETF 464289867 1,098 24,332 SH   SOLE   0 0 24,332
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 676 8,373 SH   SOLE   0 0 8,373
VANGUARD INDEX FDS SMALL CP ETF 922908751 24,637 151,540 SH   SOLE   0 0 151,540
ISHARES TR CORE S&P TTL STK 464287150 1,829 27,457 SH   SOLE   0 0 27,457
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 6,754 83,921 SH   SOLE   0 0 83,921
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,807 18,760 SH   SOLE   0 0 18,760
ISHARES TR CORE US AGGBD ET 464287226 93,685 887,838 SH   SOLE   0 0 887,838
ISHARES TR AGGRES ALLOC ETF 464289859 1,094 20,033 SH   SOLE   0 0 20,033
FLEXSHARES TR MSTAR EMKT FAC 33939L308 6,390 123,337 SH   SOLE   0 0 123,337
ISHARES TR IBOXX HI YD ETF 464288513 1,633 18,887 SH   SOLE   0 0 18,887
WISDOMTREE TR US HIGH DIVIDEND 97717W208 707 9,798 SH   SOLE   0 0 9,798
ISHARES TR MICRO-CAP ETF 464288869 19,280 181,363 SH   SOLE   0 0 181,363
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,252 22,982 SH   SOLE   0 0 22,982
ISHARES TR S&P 500 VAL ETF 464287408 41,443 357,765 SH   SOLE   0 0 357,765
ISHARES TR CORE MSCI EAFE 46432F842 836 13,039 SH   SOLE   0 0 13,039
ISHARES TR MSCI EMG MKT ETF 464287234 9,841 229,298 SH   SOLE   0 0 229,298
WISDOMTREE TR INTL SMCAP DIV 97717W760 46,235 649,914 SH   SOLE   0 0 649,914
ISHARES TR EAFE VALUE ETF 464288877 31,665 609,874 SH   SOLE   0 0 609,874
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,916 103,352 SH   SOLE   0 0 103,352
FLEXSHARES TR MORNSTAR USMKT 33939L100 39,020 326,797 SH   SOLE   0 0 326,797
ISHARES TR MSCI EAFE ETF 464287465 16,585 243,939 SH   SOLE   0 0 243,939
ISHARES TR CORE S&P500 ETF 464287200 21,796 74,459 SH   SOLE   0 0 74,459
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 720 8,269 SH   SOLE   0 0 8,269
ISHARES TR MODERT ALLOC ETF 464289875 826 21,790 SH   SOLE   0 0 21,790
SPDR GOLD TRUST GOLD SHS 78463V107 1,924 17,067 SH   SOLE   0 0 17,067
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,000 11,967 SH   SOLE   0 0 11,967
VANGUARD INDEX FDS SM CP VAL ETF 922908611 41,320 296,496 SH   SOLE   0 0 296,496