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
ISHARES TR S&P 500 VAL ETF 464287408 25,280 233,624 SH   SOLE   0 0 233,624
ISHARES TR CORE S&P500 ETF 464287200 15,919 51,402 SH   SOLE   0 0 51,402
ISHARES TR MSCI EAFE ETF 464287465 10,254 168,463 SH   SOLE   0 0 168,463
ISHARES TR 1 3 YR TREAS BD 464287457 43,773 505,404 SH   SOLE   0 0 505,404
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,775 11,342 SH   SOLE   0 0 11,342
ISHARES TR MSCI EMG MKT ETF 464287234 6,556 163,934 SH   SOLE   0 0 163,934
ISHARES TR CORE US AGGBD ET 464287226 110,403 933,957 SH   SOLE   0 0 933,957
SPDR GOLD TR GOLD SHS 78463V107 536 3,203 SH   SOLE   0 0 3,203
VANGUARD INDEX FDS VALUE ETF 922908744 3,918 39,338 SH   SOLE   0 0 39,338
VANGUARD INDEX FDS SM CP VAL ETF 922908611 45,801 428,363 SH   SOLE   0 0 428,363
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 592 7,539 SH   SOLE   0 0 7,539
VANGUARD INDEX FDS SMALL CP ETF 922908751 29,604 203,157 SH   SOLE   0 0 203,157
ISHARES TR MICRO-CAP ETF 464288869 12,299 140,936 SH   SOLE   0 0 140,936
ISHARES TR EAFE VALUE ETF 464288877 19,636 491,262 SH   SOLE   0 0 491,262
WISDOMTREE TR INTL SMCAP DIV 97717W760 39,051 702,004 SH   SOLE   0 0 702,004
WISDOMTREE TR US HIGH DIVIDEND 97717W208 593 9,521 SH   SOLE   0 0 9,521
ISHARES TR CORE S&P TTL STK 464287150 909 13,094 SH   SOLE   0 0 13,094
VANGUARD INDEX FDS LARGE CAP ETF 922908637 968 6,769 SH   SOLE   0 0 6,769
ISHARES TR IBOXX HI YD ETF 464288513 1,459 17,876 SH   SOLE   0 0 17,876
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 59,082 710,806 SH   SOLE   0 0 710,806
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,344 46,611 SH   SOLE   0 0 46,611
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,589 58,113 SH   SOLE   0 0 58,113
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 604 7,662 SH   SOLE   0 0 7,662
ISHARES TR NATIONAL MUN ETF 464288414 2,396 20,760 SH   SOLE   0 0 20,760
WISDOMTREE TR EMG MKTS SMCAP 97717W281 12,851 329,439 SH   SOLE   0 0 329,439
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,195 39,654 SH   SOLE   0 0 39,654
ISHARES TR EAFE SML CP ETF 464288273 6,850 127,744 SH   SOLE   0 0 127,744
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,189 81,704 SH   SOLE   0 0 81,704
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 1,120 36,930 SH   SOLE   0 0 36,930
ISHARES TR AGENCY BOND ETF 464288166 621 5,128 SH   SOLE   0 0 5,128
ISHARES TR MODERT ALLOC ETF 464289875 694 17,395 SH   SOLE   0 0 17,395
ISHARES TR CONSER ALLOC ETF 464289883 827 22,719 SH   SOLE   0 0 22,719
ISHARES TR GRWT ALLOCAT ETF 464289867 1,051 22,655 SH   SOLE   0 0 22,655
ISHARES TR SHRT NAT MUN ETF 464288158 4,478 41,520 SH   SOLE   0 0 41,520
ISHARES TR AGGRES ALLOC ETF 464289859 1,196 21,801 SH   SOLE   0 0 21,801
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 959 10,076 SH   SOLE   0 0 10,076
ISHARES TR RUS TOP 200 ETF 464289446 1,075 14,525 SH   SOLE   0 0 14,525
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 657 14,085 SH   SOLE   0 0 14,085
WISDOMTREE TR FUTRE STRAT FD 97717W125 9,406 268,740 SH   SOLE   0 0 268,740
SCHWAB STRATEGIC TR US REIT ETF 808524847 742 21,056 SH   SOLE   0 0 21,056
ISHARES TR FLTG RATE NT ETF 46429B655 1,829 36,157 SH   SOLE   0 0 36,157
FLEXSHARES TR MORNSTAR USMKT 33939L100 27,342 240,833 SH   SOLE   0 0 240,833
ISHARES TR MSCI MIN VOL ETF 46429B697 1,437 23,694 SH   SOLE   0 0 23,694
INDEXIQ ETF TR US RL EST SMCP 45409B628 257 14,204 SH   SOLE   0 0 14,204
ISHARES INC CORE MSCI EMKT 46434G103 386 8,115 SH   SOLE   0 0 8,115
ISHARES TR CORE MSCI EAFE 46432F842 637 11,143 SH   SOLE   0 0 11,143
FLEXSHARES TR M STAR DEV MKT 33939L803 19,607 367,032 SH   SOLE   0 0 367,032
FLEXSHARES TR MSTAR EMKT FAC 33939L308 4,307 96,361 SH   SOLE   0 0 96,361
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 267 4,926 SH   SOLE   0 0 4,926