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 54,997 682,256 SH   SOLE   0 0 682,256
ISHARES TR NATIONAL MUN ETF 464288414 2,663 23,379 SH   SOLE   0 0 23,379
ISHARES TR SHRT NAT MUN ETF 464288158 5,068 47,464 SH   SOLE   0 0 47,464
ISHARES TR RUS TOP 200 ETF 464289446 1,236 16,447 SH   SOLE   0 0 16,447
SCHWAB STRATEGIC TR US REIT ETF 808524847 831 18,080 SH   SOLE   0 0 18,080
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 783 13,258 SH   SOLE   0 0 13,258
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 278 5,200 SH   SOLE   0 0 5,200
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,120 7,578 SH   SOLE   0 0 7,578
WISDOMTREE TR EMG MKTS SMCAP 97717W281 13,683 286,140 SH   SOLE   0 0 286,140
ISHARES TR EAFE SML CP ETF 464288273 8,729 140,152 SH   SOLE   0 0 140,152
ISHARES TR MSCI MIN VOL ETF 46429B697 1,390 21,191 SH   SOLE   0 0 21,191
FLEXSHARES TR M STAR DEV MKT 33939L803 23,485 361,694 SH   SOLE   0 0 361,694
ISHARES TR 1 3 YR TREAS BD 464287457 38,587 455,944 SH   SOLE   0 0 455,944
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 2,161 67,819 SH   SOLE   0 0 67,819
INDEXIQ ETF TR US RL EST SMCP 45409B628 288 11,203 SH   SOLE   0 0 11,203
ISHARES TR AGENCY BOND ETF 464288166 474 4,098 SH   SOLE   0 0 4,098
ISHARES TR FLTG RATE NT ETF 46429B655 1,987 39,028 SH   SOLE   0 0 39,028
VANGUARD INDEX FDS VALUE ETF 922908744 4,576 38,183 SH   SOLE   0 0 38,183
ISHARES INC CORE MSCI EMKT 46434G103 458 8,512 SH   SOLE   0 0 8,512
ISHARES TR GRWT ALLOCAT ETF 464289867 1,116 23,337 SH   SOLE   0 0 23,337
ISHARES TR CONSER ALLOC ETF 464289883 804 22,191 SH   SOLE   0 0 22,191
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 618 6,660 SH   SOLE   0 0 6,660
VANGUARD INDEX FDS SMALL CP ETF 922908751 29,179 176,162 SH   SOLE   0 0 176,162
ISHARES TR CORE S&P TTL STK 464287150 1,039 14,289 SH   SOLE   0 0 14,289
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 4,770 54,690 SH   SOLE   0 0 54,690
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,092 12,786 SH   SOLE   0 0 12,786
ISHARES TR CORE US AGGBD ET 464287226 99,849 888,572 SH   SOLE   0 0 888,572
ISHARES TR AGGRES ALLOC ETF 464289859 1,288 22,200 SH   SOLE   0 0 22,200
ISHARES TR IBOXX HI YD ETF 464288513 1,432 16,288 SH   SOLE   0 0 16,288
FLEXSHARES TR MSTAR EMKT FAC 33939L308 5,226 98,361 SH   SOLE   0 0 98,361
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 989 32,112 SH   SOLE   0 0 32,112
WISDOMTREE TR US HIGH DIVIDEND 97717W208 640 8,333 SH   SOLE   0 0 8,333
ISHARES TR MICRO-CAP ETF 464288869 14,913 149,898 SH   SOLE   0 0 149,898
WISDOMTREE TR DYNAMIC LNG EQ 97717X313 1,991 70,983 SH   SOLE   0 0 70,983
ISHARES TR S&P 500 VAL ETF 464287408 33,143 254,771 SH   SOLE   0 0 254,771
ISHARES TR MSCI EMG MKT ETF 464287234 8,169 182,060 SH   SOLE   0 0 182,060
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 1,084 37,984 SH   SOLE   0 0 37,984
ISHARES TR CORE MSCI EAFE 46432F842 759 11,641 SH   SOLE   0 0 11,641
WISDOMTREE TR INTL SMCAP DIV 97717W760 45,869 644,995 SH   SOLE   0 0 644,995
ISHARES TR MSCI EAFE ETF 464287465 12,771 183,921 SH   SOLE   0 0 183,921
ISHARES TR EAFE VALUE ETF 464288877 25,133 503,373 SH   SOLE   0 0 503,373
FLEXSHARES TR MORNSTAR USMKT 33939L100 32,467 255,522 SH   SOLE   0 0 255,522
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,950 76,675 SH   SOLE   0 0 76,675
ISHARES TR CORE S&P500 ETF 464287200 17,888 55,338 SH   SOLE   0 0 55,338
ISHARES TR MODERT ALLOC ETF 464289875 731 18,204 SH   SOLE   0 0 18,204
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 654 6,974 SH   SOLE   0 0 6,974
VANGUARD INDEX FDS SM CP VAL ETF 922908611 47,882 349,324 SH   SOLE   0 0 349,324
WISDOMTREE TR FUTRE STRAT FD 97717W125 13,510 364,257 SH   SOLE   0 0 364,257
SPDR GOLD TRUST GOLD SHS 78463V107 862 6,031 SH   SOLE   0 0 6,031
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 913 9,996 SH   SOLE   0 0 9,996