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 55,613 406,739 SH   SOLE   0 0 406,739
ISHARES TR RUS 1000 GRW ETF 464287614 51,992 215,608 SH   SOLE   0 0 215,608
ISHARES TR RUS 2000 VAL ETF 464287630 57,805 438,750 SH   SOLE   0 0 438,750
ISHARES TR RUS MD CP GR ETF 464287481 61,528 599,398 SH   SOLE   0 0 599,398
ISHARES TR RUS MDCP VAL ETF 464287473 78,896 813,701 SH   SOLE   0 0 813,701
ISHARES TR 1 3 YR TREAS BD 464287457 291 3,372 SH   SOLE   0 0 3,372
VANGUARD INDEX FDS VALUE ETF 922908744 74,777 628,590 SH   SOLE   0 0 628,590
VANGUARD INDEX FDS SM CP VAL ETF 922908611 97,803 687,738 SH   SOLE   0 0 687,738
VANGUARD INDEX FDS GROWTH ETF 922908736 74,090 292,453 SH   SOLE   0 0 292,453
BLACKSTONE MTG TR INC COM CL A 09257W100 835 30,345 SH   SOLE   0 0 30,345
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 104,906 494,677 SH   SOLE   0 0 494,677
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 112,134 942,619 SH   SOLE   0 0 942,619
ISHARES TR ISHS 1-5YR INVS 464288646 6,529 118,348 SH   SOLE   0 0 118,348
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,777 19,135 SH   SOLE   0 0 19,135
ISHARES TR 3 7 YR TREAS BD 464288661 426 3,207 SH   SOLE   0 0 3,207
SPDR SER TR PORTFLI INTRMDIT 78464A672 52,109 1,576,188 SH   SOLE   0 0 1,576,188
SPDR SER TR PORTFOLIO INTRMD 78464A375 15,295 411,375 SH   SOLE   0 0 411,375
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 357 4,290 SH   SOLE   0 0 4,290
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 200 2,885 SH   SOLE   0 0 2,885
SPDR SER TR PORTFOLIO SHORT 78464A474 294 9,355 SH   SOLE   0 0 9,355
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,822 35,445 SH   SOLE   0 0 35,445
ISHARES TR FLTG RATE NT ETF 46429B655 251 4,954 SH   SOLE   0 0 4,954
ISHARES INC CORE MSCI EMKT 46434G103 5,084 81,949 SH   SOLE   0 0 81,949
ISHARES TR CORE MSCI EAFE 46432F842 2,586 37,431 SH   SOLE   0 0 37,431