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
ISHARES TR 0-5YR HI YL CP 46434v407 128,660 2,732,787 SH   SOLE   2,732,787 0 0
ISHARES TR 20 YR TR BD ETF 464287432 51,033 435,175 SH   SOLE   435,175 0 0
ISHARES TR CORE US AGGBD ET 464287226 113,291 1,073,640 SH   SOLE   1,073,640 0 0
ISHARES TR EAFE VALUE ETF 464288877 2,552 49,144 SH   SOLE   49,144 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 19,874 526,874 SH   SOLE   526,874 0 0
ISHARES TR IBOXX INV CP ETF 464287242 55,639 484,113 SH   SOLE   484,113 0 0
ISHARES TR MIN VOL USA ETF 46429B697 46,068 807,642 SH   SOLE   807,642 0 0
ISHARES TR MSCI EAFE ETF 464287465 62,329 916,739 SH   SOLE   916,739 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,244 28,984 SH   SOLE   28,984 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 659,686 3,828,709 SH   SOLE   3,828,709 0 0
ISHARES TR S&P 100 ETF 464287101 125,905 971,339 SH   SOLE   971,339 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 6,945 61,588 SH   SOLE   61,588 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 149,344 513,705 SH   SOLE   513,705 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 415,632 2,777,357 SH   SOLE   2,777,357 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 440 3,973 SH   SOLE   3,973 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 170,966 4,169,913 SH   SOLE   4,169,913 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 798,704 18,458,602 SH   SOLE   18,458,602 0 0
VANGUARD WORLD FDS ENERGY ETF 92204a306 21,572 205,231 SH   SOLE   205,231 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204a504 38,068 211,011 SH   SOLE   211,011 0 0
VANGUARD WORLD FDS INF TECH ETF 92204a702 478 2,362 SH   SOLE   2,362 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717w851 63,835 1,101,546 SH   SOLE   1,101,546 0 0