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 RUS 1000 VAL ETF 464287598 45,133 398,278 SH   SOLE   0 0 398,278
ISHARES TR RUS 1000 GRW ETF 464287614 42,807 211,488 SH   SOLE   0 0 211,488
ISHARES TR RUS 2000 VAL ETF 464287630 40,770 432,303 SH   SOLE   0 0 432,303
ISHARES TR RUS MD CP GR ETF 464287481 48,246 294,526 SH   SOLE   0 0 294,526
ISHARES TR RUS MDCP VAL ETF 464287473 60,941 800,480 SH   SOLE   0 0 800,480
ISHARES TR 1 3 YR TREAS BD 464287457 327 3,777 SH   SOLE   0 0 3,777
VANGUARD INDEX FDS VALUE ETF 922908744 57,355 572,460 SH   SOLE   0 0 572,460
VANGUARD INDEX FDS SM CP VAL ETF 922908611 68,654 654,719 SH   SOLE   0 0 654,719
VANGUARD INDEX FDS GROWTH ETF 922908736 56,855 267,526 SH   SOLE   0 0 267,526
BLACKSTONE MTG TR INC COM CL A 09257W100 659 30,345 SH   SOLE   0 0 30,345
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 79,261 465,501 SH   SOLE   0 0 465,501
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 83,425 873,654 SH   SOLE   0 0 873,654
ISHARES TR SH TR CRPORT ETF 464288646 4,855 88,718 SH   SOLE   0 0 88,718
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,785 19,135 SH   SOLE   0 0 19,135
ISHARES TR 3 7 YR TREAS BD 464288661 428 3,207 SH   SOLE   0 0 3,207
SPDR SER TR PORTFLI INTRMDIT 78464A672 47,458 1,429,448 SH   SOLE   0 0 1,429,448
SPDR SER TR PORTFOLIO INTRMD 78464A375 13,390 366,459 SH   SOLE   0 0 366,459
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 358 4,340 SH   SOLE   0 0 4,340
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 203 2,885 SH   SOLE   0 0 2,885
SPDR SER TR PORTFOLIO SHORT 78464A474 297 9,480 SH   SOLE   0 0 9,480
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 246 4,777 SH   SOLE   0 0 4,777
ISHARES TR FLTG RATE NT ETF 46429B655 250 4,954 SH   SOLE   0 0 4,954
ISHARES INC CORE MSCI EMKT 46434G103 3,843 74,685 SH   SOLE   0 0 74,685
ISHARES TR CORE MSCI EAFE 46432F842 1,947 33,273 SH   SOLE   0 0 33,273