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
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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 INC MSCI FRNTR100ETF 464286145 753 35,254 SH   SOLE   0 0 35,254
ISHARES TR CORE S&P MCP ETF 464287507 1,963 13,648 SH   SOLE   0 0 13,648
ISHARES TR CORE S&P SCP ETF 464287804 2,763 49,244 SH   SOLE   0 0 49,244
ISHARES TR CORE S&P500 ETF 464287200 4,171 16,140 SH   SOLE   0 0 16,140
ISHARES TR FLTG RATE NT ETF 46429B655 2,177 44,673 SH   SOLE   0 0 44,673
ISHARES TR IBOXX INV CP ETF 464287242 10,604 85,855 SH   SOLE   0 0 85,855
ISHARES TR MICRO-CAP ETF 464288869 1,139 16,999 SH   SOLE   0 0 16,999
ISHARES TR NATIONAL MUN ETF 464288414 3,156 27,926 SH   SOLE   0 0 27,926
ISHARES TR PFD AND INCM SEC 464288687 1,764 55,394 SH   SOLE   0 0 55,394
ISHARES TR RUS 1000 GRW ETF 464287614 227 1,507 SH   SOLE   0 0 1,507
ISHARES TR US TREAS BD ETF 46429B267 1,366 48,759 SH   SOLE   0 0 48,759
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,746 127,735 SH   SOLE   0 0 127,735
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 866 28,003 SH   SOLE   0 0 28,003
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 238 7,182 SH   SOLE   0 0 7,182
SPDR SER TR BLOOMBERG BRCLYS 78468R622 1,810 19,107 SH   SOLE   0 0 19,107
SPDR SER TR NUVEEN BBG BRCLY 78464A284 568 10,387 SH   SOLE   0 0 10,387
SPDR SER TR NUVEEN BLMBRG SR 78468R739 962 19,673 SH   SOLE   0 0 19,673
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,360 40,888 SH   SOLE   0 0 40,888
VANGUARD INDEX FDS GROWTH ETF 922908736 5,870 37,463 SH   SOLE   0 0 37,463
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,869 14,753 SH   SOLE   0 0 14,753
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,778 21,875 SH   SOLE   0 0 21,875
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,738 24,880 SH   SOLE   0 0 24,880
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,653 108,876 SH   SOLE   0 0 108,876
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 920 11,761 SH   SOLE   0 0 11,761
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 429 10,000 SH   SOLE   0 0 10,000
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,389 191,630 SH   SOLE   0 0 191,630
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,784 25,344 SH   SOLE   0 0 25,344