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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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 59,599 380,801 SH   SOLE   0 0 380,801
ISHARES TR RUS 1000 GRW ETF 464287614 62,438 227,843 SH   SOLE   0 0 227,843
ISHARES TR RUS 2000 VAL ETF 464287630 35,132 219,262 SH   SOLE   0 0 219,262
ISHARES TR RUS 2000 GRW ETF 464287648 1,850 6,303 SH   SOLE   0 0 6,303
ISHARES TR RUS MD CP GR ETF 464287481 54,255 484,120 SH   SOLE   0 0 484,120
ISHARES TR RUS MDCP VAL ETF 464287473 74,650 659,163 SH   SOLE   0 0 659,163
ISHARES TR 1 3 YR TREAS BD 464287457 290 3,372 SH   SOLE   0 0 3,372
VANGUARD INDEX FDS VALUE ETF 922908744 96,750 714,705 SH   SOLE   0 0 714,705
VANGUARD INDEX FDS SM CP VAL ETF 922908611 60,261 356,028 SH   SOLE   0 0 356,028
VANGUARD INDEX FDS GROWTH ETF 922908736 108,725 374,695 SH   SOLE   0 0 374,695
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,154 64,799 SH   SOLE   0 0 64,799
BLACKSTONE MTG TR INC COM CL A 09257W100 886 29,220 SH   SOLE   0 0 29,220
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 97,211 411,387 SH   SOLE   0 0 411,387
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 122,065 874,330 SH   SOLE   0 0 874,330
ISHARES TR ISHS 1-5YR INVS 464288646 30,336 555,204 SH   SOLE   0 0 555,204
ISHARES TR 3 7 YR TREAS BD 464288661 417 3,207 SH   SOLE   0 0 3,207
SPDR SER TR PORTFLI INTRMDIT 78464A672 84,988 2,630,400 SH   SOLE   0 0 2,630,400
SPDR SER TR PORTFOLIO INTRMD 78464A375 33,561 918,967 SH   SOLE   0 0 918,967
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 379 4,595 SH   SOLE   0 0 4,595
SPDR SER TR PORTFOLIO SHORT 78464A474 695 22,244 SH   SOLE   0 0 22,244
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,337 84,728 SH   SOLE   0 0 84,728
ISHARES TR FLTG RATE NT ETF 46429B655 572 11,249 SH   SOLE   0 0 11,249
ISHARES INC CORE MSCI EMKT 46434G103 10,546 170,755 SH   SOLE   0 0 170,755
ISHARES TR CORE MSCI EAFE 46432F842 8,968 120,786 SH   SOLE   0 0 120,786