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
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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 26,379 206,054 SH   SOLE   0 0 206,054
ISHARES TR CORE S&P500 ETF 464287200 16,895 45,007 SH   SOLE   0 0 45,007
ISHARES TR MSCI EAFE ETF 464287465 10,553 144,644 SH   SOLE   0 0 144,644
ISHARES TR 1 3 YR TREAS BD 464287457 37,894 438,693 SH   SOLE   0 0 438,693
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,369 53,274 SH   SOLE   0 0 53,274
ISHARES TR MSCI EMG MKT ETF 464287234 7,228 139,893 SH   SOLE   0 0 139,893
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,583 51,547 SH   SOLE   0 0 51,547
ISHARES TR CORE US AGGBD ET 464287226 91,202 771,654 SH   SOLE   0 0 771,654
SPDR GOLD TR GOLD SHS 78463V107 528 2,963 SH   SOLE   0 0 2,963
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 3,671 46,118 SH   SOLE   0 0 46,118
VANGUARD INDEX FDS VALUE ETF 922908744 12,617 106,063 SH   SOLE   0 0 106,063
VANGUARD INDEX FDS SM CP VAL ETF 922908611 59,404 417,723 SH   SOLE   0 0 417,723
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,650 54,747 SH   SOLE   0 0 54,747
VANGUARD INDEX FDS SMALL CP ETF 922908751 40,797 209,562 SH   SOLE   0 0 209,562
ISHARES TR MICRO-CAP ETF 464288869 13,766 116,021 SH   SOLE   0 0 116,021
ISHARES TR EAFE VALUE ETF 464288877 20,688 438,303 SH   SOLE   0 0 438,303
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 3,629 60,244 SH   SOLE   0 0 60,244
WISDOMTREE TR INTL SMCAP DIV 97717W760 42,141 618,713 SH   SOLE   0 0 618,713
WISDOMTREE TR US HIGH DIVIDEND 97717W208 546 7,874 SH   SOLE   0 0 7,874
ISHARES TR CORE S&P TTL STK 464287150 817 9,474 SH   SOLE   0 0 9,474
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,001 5,693 SH   SOLE   0 0 5,693
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,847 83,050 SH   SOLE   0 0 83,050
ISHARES TR IBOXX HI YD ETF 464288513 1,174 13,446 SH   SOLE   0 0 13,446
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 53,664 647,332 SH   SOLE   0 0 647,332
VANGUARD BD INDEX FDS INTERMED TERM 921937819 21,205 228,380 SH   SOLE   0 0 228,380
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 18,740 212,491 SH   SOLE   0 0 212,491
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,468 41,460 SH   SOLE   0 0 41,460
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 569 6,220 SH   SOLE   0 0 6,220
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,625 76,774 SH   SOLE   0 0 76,774
ISHARES TR NATIONAL MUN ETF 464288414 2,090 17,835 SH   SOLE   0 0 17,835
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,766 30,906 SH   SOLE   0 0 30,906
WISDOMTREE TR EMG MKTS SMCAP 97717W281 14,262 298,878 SH   SOLE   0 0 298,878
SPDR SER TR PORTFLI TIPS ETF 78464A656 883 28,326 SH   SOLE   0 0 28,326
ISHARES TR EAFE SML CP ETF 464288273 7,504 109,793 SH   SOLE   0 0 109,793
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 3,299 74,191 SH   SOLE   0 0 74,191
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 946 29,625 SH   SOLE   0 0 29,625
ISHARES TR AGENCY BOND ETF 464288166 410 3,430 SH   SOLE   0 0 3,430
ISHARES TR MODERT ALLOC ETF 464289875 780 18,051 SH   SOLE   0 0 18,051
ISHARES TR CONSER ALLOC ETF 464289883 1,038 26,799 SH   SOLE   0 0 26,799
ISHARES TR GRWT ALLOCAT ETF 464289867 1,140 21,840 SH   SOLE   0 0 21,840
ISHARES TR SHRT NAT MUN ETF 464288158 4,031 37,288 SH   SOLE   0 0 37,288
ISHARES TR AGGRES ALLOC ETF 464289859 1,354 21,102 SH   SOLE   0 0 21,102
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 803 8,264 SH   SOLE   0 0 8,264
ISHARES TR RUS TOP 200 ETF 464289446 1,098 12,158 SH   SOLE   0 0 12,158
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,240 74,950 SH   SOLE   0 0 74,950
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,516 24,779 SH   SOLE   0 0 24,779
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 735 13,542 SH   SOLE   0 0 13,542
WISDOMTREE TR FUTRE STRAT FD 97717W125 8,606 232,016 SH   SOLE   0 0 232,016
SCHWAB STRATEGIC TR US REIT ETF 808524847 780 20,537 SH   SOLE   0 0 20,537
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,105 51,617 SH   SOLE   0 0 51,617
ISHARES TR FLTG RATE NT ETF 46429B655 1,620 31,936 SH   SOLE   0 0 31,936
FLEXSHARES TR MORNSTAR USMKT 33939L100 28,954 200,040 SH   SOLE   0 0 200,040
ISHARES TR MSCI USA MIN VOL 46429B697 1,300 19,149 SH   SOLE   0 0 19,149
INDEXIQ ETF TR US RL EST SMCP 45409B628 305 14,211 SH   SOLE   0 0 14,211
ISHARES INC CORE MSCI EMKT 46434G103 433 6,971 SH   SOLE   0 0 6,971
ISHARES TR CORE MSCI EAFE 46432F842 690 9,980 SH   SOLE   0 0 9,980
FLEXSHARES TR M STAR DEV MKT 33939L803 20,842 315,788 SH   SOLE   0 0 315,788
FLEXSHARES TR MSTAR EMKT FAC 33939L308 4,667 80,251 SH   SOLE   0 0 80,251
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,228 121,879 SH   SOLE   0 0 121,879
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,230 106,405 SH   SOLE   0 0 106,405