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 RUS 1000 VAL ETF 464287598 48,152 407,618 SH   SOLE   0 0 407,618
ISHARES TR RUS 1000 GRW ETF 464287614 46,893 216,208 SH   SOLE   0 0 216,208
ISHARES TR RUS 2000 VAL ETF 464287630 43,668 439,625 SH   SOLE   0 0 439,625
ISHARES TR RUS MD CP GR ETF 464287481 51,951 300,519 SH   SOLE   0 0 300,519
ISHARES TR RUS MDCP VAL ETF 464287473 65,986 816,251 SH   SOLE   0 0 816,251
ISHARES TR 1 3 YR TREAS BD 464287457 327 3,777 SH   SOLE   0 0 3,777
VANGUARD INDEX FDS VALUE ETF 922908744 64,987 621,827 SH   SOLE   0 0 621,827
VANGUARD INDEX FDS SM CP VAL ETF 922908611 76,032 687,261 SH   SOLE   0 0 687,261
VANGUARD INDEX FDS GROWTH ETF 922908736 66,286 291,227 SH   SOLE   0 0 291,227
BLACKSTONE MTG TR INC COM CL A 09257W100 667 30,345 SH   SOLE   0 0 30,345
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 89,300 495,723 SH   SOLE   0 0 495,723
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 94,718 934,375 SH   SOLE   0 0 934,375
ISHARES TR ISHS 1-5YR INVS 464288646 5,509 100,327 SH   SOLE   0 0 100,327
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,789 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 48,848 1,469,553 SH   SOLE   0 0 1,469,553
SPDR SER TR PORTFOLIO INTRMD 78464A375 13,898 378,066 SH   SOLE   0 0 378,066
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 360 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 293 9,355 SH   SOLE   0 0 9,355
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 908 17,623 SH   SOLE   0 0 17,623
ISHARES TR FLTG RATE NT ETF 46429B655 251 4,954 SH   SOLE   0 0 4,954
ISHARES INC CORE MSCI EMKT 46434G103 4,297 81,387 SH   SOLE   0 0 81,387
ISHARES TR CORE MSCI EAFE 46432F842 2,360 39,145 SH   SOLE   0 0 39,145