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 51,904 660,612 SH   SOLE   0 0 660,612
ISHARES TR RUS TOP 200 ETF 464289446 1,160 19,871 SH   SOLE   0 0 19,871
ISHARES TR SHRT NAT MUN ETF 464288158 4,784 45,389 SH   SOLE   0 0 45,389
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 950 18,130 SH   SOLE   0 0 18,130
ISHARES TR NATIONAL MUN ETF 464288414 2,325 21,322 SH   SOLE   0 0 21,322
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,160 30,126 SH   SOLE   0 0 30,126
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,049 9,131 SH   SOLE   0 0 9,131
ISHARES TR MIN VOL USA ETF 46429B697 209 3,998 SH   SOLE   0 0 3,998
WISDOMTREE TR EMG MKTS SMCAP 97717W281 10,877 259,653 SH   SOLE   0 0 259,653
ISHARES TR EAFE SML CP ETF 464288273 8,906 171,863 SH   SOLE   0 0 171,863
FLEXSHARES TR M STAR DEV MKT 33939L803 22,816 411,023 SH   SOLE   0 0 411,023
INDEXIQ ETF TR US RL EST SMCP 45409B628 341 15,529 SH   SOLE   0 0 15,529
ISHARES TR 1 3 YR TREAS BD 464287457 33,149 396,420 SH   SOLE   0 0 396,420
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,442 87,459 SH   SOLE   0 0 87,459
ISHARES TR AGENCY BOND ETF 464288166 472 4,206 SH   SOLE   0 0 4,206
VANGUARD INDEX FDS VALUE ETF 922908744 4,183 42,710 SH   SOLE   0 0 42,710
ISHARES INC CORE MSCI EMKT 46434G103 436 9,240 SH   SOLE   0 0 9,240
ISHARES TR FLTG RATE NT ETF 46429B655 2,219 44,054 SH   SOLE   0 0 44,054
ISHARES TR GRWT ALLOCAT ETF 464289867 996 24,103 SH   SOLE   0 0 24,103
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 586 7,859 SH   SOLE   0 0 7,859
ISHARES TR CONSER ALLOC ETF 464289883 797 24,345 SH   SOLE   0 0 24,345
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 6,027 74,137 SH   SOLE   0 0 74,137
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,880 158,196 SH   SOLE   0 0 158,196
ISHARES TR CORE S&P TTL STK 464287150 1,451 25,560 SH   SOLE   0 0 25,560
ISHARES TR CORE US AGGBD ET 464287226 90,627 851,039 SH   SOLE   0 0 851,039
ISHARES TR AGGRES ALLOC ETF 464289859 1,013 20,863 SH   SOLE   0 0 20,863
ISHARES TR IBOXX HI YD ETF 464288513 1,403 17,297 SH   SOLE   0 0 17,297
WISDOMTREE TR US HIGH DIVIDEND 97717W208 599 9,198 SH   SOLE   0 0 9,198
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,343 18,360 SH   SOLE   0 0 18,360
FLEXSHARES TR MSTAR EMKT FAC 33939L308 5,312 110,716 SH   SOLE   0 0 110,716
SPDR SERIES TRUST BLOMBRG BRC TIPS 78464A656 1,085 20,141 SH   SOLE   0 0 20,141
ISHARES TR MICRO-CAP ETF 464288869 15,249 184,943 SH   SOLE   0 0 184,943
WISDOMTREE TR DYNAMIC LNG EQ 97717X313 308 10,621 SH   SOLE   0 0 10,621
ISHARES TR CORE MSCI EAFE 46432F842 707 12,853 SH   SOLE   0 0 12,853
ISHARES TR MSCI EMG MKT ETF 464287234 8,773 224,598 SH   SOLE   0 0 224,598
ISHARES TR S&P 500 VAL ETF 464287408 34,990 345,954 SH   SOLE   0 0 345,954
WISDOMTREE TR INTL SMCAP DIV 97717W760 40,063 664,176 SH   SOLE   0 0 664,176
FLEXSHARES TR MORNSTAR USMKT 33939L100 30,215 301,788 SH   SOLE   0 0 301,788
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,043 91,341 SH   SOLE   0 0 91,341
ISHARES TR MSCI EAFE ETF 464287465 13,940 237,152 SH   SOLE   0 0 237,152
ISHARES TR EAFE VALUE ETF 464288877 26,491 585,835 SH   SOLE   0 0 585,835
ISHARES TR MODERT ALLOC ETF 464289875 738 20,675 SH   SOLE   0 0 20,675
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 607 7,782 SH   SOLE   0 0 7,782
ISHARES TR CORE S&P500 ETF 464287200 18,023 71,629 SH   SOLE   0 0 71,629
SPDR GOLD TRUST GOLD SHS 78463V107 1,739 14,344 SH   SOLE   0 0 14,344
WISDOMTREE TR FUTRE STRAT FD 97717W125 22,983 592,951 SH   SOLE   0 0 592,951
VANGUARD INDEX FDS SM CP VAL ETF 922908611 35,074 307,502 SH   SOLE   0 0 307,502
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 931 11,232 SH   SOLE   0 0 11,232