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
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 313,139,221 1,838,643 SH   SOLE   0 0 1,838,643
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US ETF 922042775 139,911,586 2,773,272 SH   SOLE   0 0 2,773,272
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 40,683,918 178,744 SH   SOLE   0 0 178,744
VANGUARD INDEX FDS VALUE ETF ETF 922908744 28,989,073 277,381 SH   SOLE   0 0 277,381
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 23,684,614 214,089 SH   SOLE   0 0 214,089
VANGUARD INDEX FDS MID-CAP VALUE ETF ETF 922908512 20,895,650 206,132 SH   SOLE   0 0 206,132
ISHARES CORE TOTAL USD BOND MKT ETF 46434V613 4,885,607 89,842 SH   SOLE   0 0 89,842
ISHARES TR CORE MSCI EAFE ETF 46432F842 2,926,232 48,544 SH   SOLE   0 0 48,544
ISHARES CORE S&P TOTAL US STOCK MARKET ETF ETF 464287150 2,881,778 38,174 SH   SOLE   0 0 38,174
ISHARES NATIONAL MUN ETF ETF 464288414 2,791,603 24,080 SH   SOLE   0 0 24,080
SPDR INDEX SHS FDS GLB NAT RESRCE ETF 78463X541 2,272,753 60,526 SH   SOLE   0 0 60,526
VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF 92206C870 1,894,050 19,771 SH   SOLE   0 0 19,771
VANGUARD BD INDEX FD INC INTERMED TERM ETF 921937819 1,881,640 20,129 SH   SOLE   0 0 20,129
SCHWAB STRATEGIC TR US LCAP VA ETF ETF 808524409 1,870,855 35,847 SH   SOLE   0 0 35,847
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 1,671,782 20,734 SH   SOLE   0 0 20,734
SCHWAB STRATEGIC TR US LCAP GR ETF ETF 808524300 1,579,787 13,717 SH   SOLE   0 0 13,717
ISHARES CORE RUSSELL VAL ETF 464287663 1,412,408 26,016 SH   SOLE   0 0 26,016
VANGUARD TAX MNGD INTL FD FTSE DEV MKT ETF ETF 921943858 1,337,757 32,708 SH   SOLE   0 0 32,708
VANGUARD BD INDEX FD INC TOTAL BND MRKT ETF 921937835 1,308,655 14,834 SH   SOLE   0 0 14,834
ISHARES TR CORE MSCI TOTAL ETF 46432F834 1,258,886 21,578 SH   SOLE   0 0 21,578
ISHARES INC CORE MSCI EMKT ETF 46434G103 1,040,530 19,707 SH   SOLE   0 0 19,707
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF ETF 922042858 874,682 20,229 SH   SOLE   0 0 20,229
ISHARES RUSSELL 1000 ETF ETF 464287622 806,991 4,312 SH   SOLE   0 0 4,312
ISHARES RUSSELL 2000 ETF ETF 464287655 700,718 4,678 SH   SOLE   0 0 4,678
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 678,546 5,747 SH   SOLE   0 0 5,747
VANGUARD INDEX FDS SML CP GRW ETF ETF 922908595 641,781 2,986 SH   SOLE   0 0 2,986
JPMORGAN CHASE & CO COM Common Stock 46625H100 514,371 5,343 SH   SOLE   0 0 5,343
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF ETF 922042718 387,576 3,681 SH   SOLE   0 0 3,681
ISHARES TR TIPS BD ETF ETF 464287176 359,963 2,846 SH   SOLE   0 0 2,846
SCHWAB STRATEGIC TR US SML CAP ETF ETF 808524607 348,637 5,103 SH   SOLE   0 0 5,103
DBX ETF TR XTRACK USD HIGH ETF 233051432 318,663 6,625 SH   SOLE   0 0 6,625
VANGUARD INDEX FDS SMALL CP ETF ETF 922908751 253,515 1,648 SH   SOLE   0 0 1,648
ISHARES RUS 2000 GRW ETF ETF 464287648 248,102 1,120 SH   SOLE   0 0 1,120
ISHARES TR JPMORGAN USD EMG ETF 464288281 211,024 1,903 SH   SOLE   0 0 1,903